at the contract rate after default.
You will also be in default if something happens which the Credit Union believes 
may substantially reduce your ability to repay what you owe. 
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. 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 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.
27. OTHER FEES AND CHARGES:
(a) Late Payment Charge:  If your Minimum Payment is not paid within 15 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 $25.00 charge will be made when a check 
submitted by you for payment on an account is returned to us, regardless of the 
reason.
(c) Automatic Payment Reversal Fee:  If you have elected to have the payment(s) 
on your Account automatically deducted from another Credit Union account and 
you fail to maintain sufficient funds in that account causing your payment to be 
reversed, your Account will be charged up to $25.
(d) Fee for Documents:  If you request a copy of a charge slip or other document 
not in connection with a billing error, we may charge your Account the cost of 
$25.00 per sale draft plus $6.00 processing fee.
(e) Replacement or Additional Card Fee:  If you request an additional card to 
replace the card initially issued to you, for any reason other than the card not 
being received by you or a defect in its manufacture, or if you request a card for 
an additional user on my account, your Account will be charged a fee of $10.
(f) Annual Membership Fee:  None
(g) 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.
(h) Balance Transfer Fees:  You will be charged a fee or either $10,00 or 2% of 
the amount of each balance transfer transaction, whichever is greater.
28. TERMINATION:  Subject to applicable law, 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 termi -
nate 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.
29. NON-REISSUANCE:  For security purposes, Provident Credit Union VISA 
Cards are reissued every three 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.
30. TRANSFER OF ACCOUNT:  You cannot transfer your account to any other 
person.
31. Use of Card and Account by Others:  If you so request, we may issue cards 
not only to you, but also to others who will only be authorized users of the Account. 
Such additional cards may be imprinted either with your name or with the names of 
the authorized user(s). You agree that if you permit another person to use your Ac -
count (whether or not you have told the Credit Union that such person will be using 
your Account), with or without the Card, PIN, that you will pay for any Purchases or 
Cash Advances made by such person(s) on your Account and any finance or other 
charges imposed on those Purchases and Cash Advances, even if the amount 
exceeds your permission. If you have authorized someone to use your Account and 
you want to terminate that person�s access, you agree that you must notify us in 
writing; if possible, enclosing the Card(s) used by that person, cut in two. Once you � 3/16 PCU   ID 12794 M-117986VISA� Signature Cash Back Credit Card Agreement
Effective March 1, 2016
1. DEFINITION OF PARTIES:  This Signature Cash Rewards VISA� Credit Card 
Agreement (�Agreement�) covers your VISA� Credit Card (�Card�) issued through 
Provident Credit Union. �Account� means your VISA� Card line of credit account 
with Provident Credit union. In this Agreement the words �you,� �your,� and �yours� 
include any obligator, joint obligator, guarantor, authorized user, the person whose 
name is embossed on the Card, or who sign an application for a Card. The words 
�we,� �us,� and �our� mean Provident Credit Union. �Credit Union� means Provident 
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.
4. VISA� CREDIT LINE:  Maximum Credit Limit. We will provide you with notice of
your maximum credit limit on your monthly billing statement, and you agree that 
we may change your limit at any time. You agree never to use your Card when the 
use will exceed your maximum credit limit. You also agree that we are not obligated 
to extend to you credit for an amount that would make your outstanding balance 
exceed your maximum credit limit, or for any amount if your outstanding balance is 
already over the maximum credit limit. Any increases in your maximum credit limit 
you request may require that you make a written application for our approval. You 
will pay any amounts which exceed your maximum credit limit upon demand. We 
may reevaluate your financial condition if you request a higher credit limit, or at any 
other time, and this may include obtaining a current credit bureau report or screen -
ing, and/or asking you for current financial information. Based on such a review, we 
may immediately increase, reduce or even revoke your Account without prior written 
notice, as allowable under applicable law.
5. MONTHLY STATEMENT:  If you have an outstanding debit or credit New Balance 
of $1.00 or more, or if there is any FINANCE CHARGE imposed during a billing 
cycle, we will send you a statement. You agree to pay us for all Purchases, Cash 
Advances, fees and charges, if any, and FINANCE CHARGES on your Account, 
all payable in United States dollars. Payment checks must be drawn on a financial 
institution or other entity domiciled in the United States.
Posting of your payment will be delayed if you present us a check drawn on a 
non-United States domiciled financial institution or entity. The payment will not 
be credited to your Account until the funds have been collected in United States 
dollars. You agree to allow the Credit Union to debit your account for any collection 
and processing fees associated with handling this payment. 
6. 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. 
7. HOW TO USE THIS ACCOUNT:  You can purchase or lease goods and services 
(�Purchases�) from a merchant up to your maximum credit limit by presenting your 
VISA credit card (�Card�) and signing a sales slip for the amount of the Purchase. 
You may also use your card: 
 A) To obtain cash loans (�Cash Advances�) up to your maximum credit limit   
 from financial institutions that accept a VISA� credit card;have notified us that this individual is no longer authorized, even if the card is not 
recovered, your liability ceases for future charges made to the Account. You may 
request us to cancel all cards and establish a new Account for you. If you request 
us to terminate the use of your PIN by another person, we will cancel your PIN and 
issue a new PIN.
32. 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.
33. DELAY IN ENFORCEMENT:  We can delay enforcing any right under this  
Agreement without losing that right or any other right.
34. 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.
35. SEVERABILITY:  If any provision of this Agreement is held invalid all provisions 
that are severable from the invalid provision remain in effect.
36. 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.
37. 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.
38. 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. The currency conversion rate in effect on the 
processing date may differ for the rate in effect on the transaction date or on the 
posting date. You will be charged a Foreign Transaction Fee equal to 3% of the 
transaction amount in U.S. currency. 
39. 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. You authorize us to furnish 
information concerning your account to consumer reporting agencies and others 
who appear to have a business need for that information. Pursuant to state law, you 
are hereby notified that a negative credit report reflecting on your credit record may 
be submitted to a credit reporting agency if you fail to fulfill the terms of your credit 
obligations. 
40. CHANGE OF ADDRESS:  You will advise us promptly if you change your mailing 
address. All written notices and statements from us to you will be considered given 
when placed in the United States mail, postage prepaid, and addressed to you at 
your current address as it appears in our records.
Written notices and inquiries from you to us must be sent to:
Provident Credit Union, P .O. Box 8007, Redwood City, CA 94063-0903
41. 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 without regard to any conflict of law rules..
42. 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 � KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our responsibilities 
under the Fair Credit Reporting Act.
What To Do If You find A Mistake On Your Statement
If you think there is an error on your statement, you should write to us at:Provident Credit Union P .O. Box 8007, Redwood City, CA 94063-0903
Or you may also contact us on the Web at providentcu.org
In your letter, you will 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.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your 
letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain 
to you why we believe the bill is correct. While we investigate whether or not there 
has been an error:
� We cannot try to collect the amount in question, or report you as delinquent on 
that amount.
�  The charge in question may remain on your statement, and we may continue to 
charge you interest on that amount.
� While you do not have to pay the amount in question, you are responsible for the 
remainder of the 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 the 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 delin -
quent without also reporting that you are still questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and we must let those 
organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the 
amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you have a problem with the quality of property or services that you 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 
property or services.
To use this right, all of the following must be true:
1. 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, 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 yet 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 at:
Provident Credit Union, P .O. Box 8007, Redwood City, CA 94063-0903
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.  B) By making withdrawals with this Card at an automated teller machine;
 C) By granting merchants telephonic authorization to charge products or  
 services to your account;
 D) By using your Card to charge phone calls; or,
 E) By issuing checks or drafts or the accrual of any charges against your  
 checking account with Provident Credit Union in excess of its balance (if  
 overdraft feature is avail-able).Advances made by automatic transfer of   
 funds directly into your pre-designated checking account(s) may be in  
 multiples of $100.00 or in the amount of the overdraft depending on which  
 option is available.
 F) By making transfers of available funds to another credit union account   
 through the credit union�s Touch Tone Teller or Account Manager systems, or  
 through direct contact with a credit union representative.
8. ILLEGAL OR UNLAWFUL TRANSACTIONS:  You agree that you will not use 
the Card or Account 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 Provident Credit Union will not have any liability, 
responsibility, or culpability whatsoever for any such use by you or any authorized 
user(s). You agree that you are responsible for repayment of any and all debts 
incurred for these transactions. You further agree to indemnify and hold Provident 
Credit Union harmless from any suits, liability, damages, or adverse action of any 
kind that results directly or indirectly from such illegal use.
9. SKIP PAYMENT:  At our option, we may not require you to make a Minimum 
Payment during certain designated billing cycles. If you do not make your Minimum 
Payment as provided in the Agreement, you understand we will continue to apply 
FINANCE CHARGES to your Account. Beginning with the billing cycle following a 
skip payment, you agree that all of the provisions of this Agreement shall apply.
10. FINANCE CHARGES:  We will impose FINANCE CHARGES as follows:
Purchases
A) A FINANCE CHARGE is imposed on purchases from the date of posting to 
your Account to the date of repayment.
For each billing cycle:
B) We multiply the Monthly Periodic Rate times the Average Daily Balance of 
Purchases. The Average Daily Balance is the sum of the daily unpaid balances of 
purchases on each day of the billing cycle covered by your current billing state -
ment divided by the number of days in the billing cycle. Such unpaid balances 
are determined by deducting payments and credits applied against such unpaid 
balances and by adding new purchases, unpaid FINANCE CHARGES, fees and 
other charges, in each case, as of the date posted to your Account.
C) We multiply the Monthly Periodic Rate times the Average Daily Balance of 
Previous Billing Cycle Purchases. The Average Daily Balance of Previous Billing 
Cycle Purchases is the sum of the unpaid balances of purchases itemized 
on your last billing statement on each day of the billing cycle covered by your 
last billing statement divided by the number of days in the billing cycle. Such 
unpaid balances are determined by deducting payments and credits applied 
against such unpaid balances and by adding new purchases, unpaid FINANCE 
CHARGES, fees and other charges, in each case, as of the date posted to your 
Account.
D) We add the amounts determined under (B) and (C) to obtain the FINANCE 
CHARGE on purchases.
A FINANCE CHARGE  is not imposed on:
E) New purchases posted during a billing cycle if: (a) You paid the New Balance 
shown on the billing statement covering the preceding billing cycle by the  
Payment Due Date shown on the billing statement or such New Balance was 
zero and (b) you pay the New Balance shown on the billing statement itemizing 
the new purchases by the Payment Due Date shown on that billing statement.
F) Old purchases previously posted for a billing cycle during which you pay the 
New Balance shown on the billing statement covering the preceding billing cycle 
by the Payment Due Date shown on that billing statement.
Cash Advances
G) A FINANCE CHARGE is imposed on cash advances as from the date of 
transaction to the date of repayment.For each billing cycle:
H) We multiply the Monthly Periodic Rate times the Average Daily Balance of 
Cash Advances. The Average Daily Balance is the sum of the daily unpaid  
balances of cash advances on each day of the billing cycle covered by your 
current billing statement divided by the number of days in the billing cycle. Such 
unpaid balances are determined by deducting payments and credits applied 
against such unpaid balances and by adding unpaid FINANCE CHARGES, in 
each case, as of the date posted to your Account and by adding new cash 
advances as of the date of the transaction.
I) We multiply the Monthly Periodic Rate times the Average Daily Balance of 
Previous Billing Cycle Cash Advances. The Average Daily Balance of Previous 
Billing Cycle Cash Advances is the sum of the unpaid balances of cash advances 
itemized on your last billing statement on each day of the billing cycle covered by 
your last billing statement divided by the number of days in the billing cycle. Such 
unpaid balances are determined by deducting payments and credits applied 
against such unpaid balances and by adding UNPAID FINANCE CHARGES, 
in each case, as of the date posted to your Account and by adding new cash 
advances as of the date of the transaction.
J) We may also charge a one-time FINANCE CHARGE for cash advances up 
to 3% of the amount of each new cash advances, with a minimum FINANCE 
CHARGE of $10.00 for advances at financial institutions, casinos, in and out of 
network ATMs, wire funds, transfers to non-Provident accounts, overdrafts to 
your Credit Union checking account or Western Union transfers.
K) We add the amounts determined under (B),(C) and (D) to obtain the FINANCE 
CHARGE on Cash Advances.
L) All forms of cash advances, including the use of overdrafts to your Credit 
Union checking account, regardless of the purpose for which used, shall be 
subject to the FINANCE CHARGES as set forth above.
Monthly Periodic FINANCE CHARGE, Monthly Periodic Rate, ANNUAL  
PERCENTAGE RATE (APR), and PENALTY ANNUAL PERCENTAGE RATE. The 
following interest rates apply as of March 11, 2015:
M)  Index Initial APR    APR Margin Index (Prime Rate) Periodic Rate
      10.99%-18.00% 7.74%-14.75% Per WSJ*                   APR is  
   determined   
                                    by Margin +   
   Prime Rate ^ 
The Monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE 
used in calculating the Monthly Periodic FINANCE CHARGE may increase or de -
crease during the term of this Agreement. Any such change will be based on an 
increase or decrease in the �Prime Rate� as published in *The Wall Street Jour -
nal. In the event that the Index ceases to be published, changes in your ANNUAL 
PERCENTAGE RATE will be related to a comparable Index. We may waive an 
increase in your ANNUAL PERCENTAGE RATE when such an increase can be 
made, but such 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 every month following one full billing cycle after an increase or decrease in the 
Index. These dates shall be known as �Adjustment Dates.� For example, if the 
Index changes anytime in the month of January, your new ANNUAL PERCENT -
AGE RATE will go into effect on the first day of March and will be based on the 
Index as of the last day of January. Decreases in your ANNUAL PERCENTAGE 
RATE in accordance with the terms of this Agreement are mandatory. Increases 
in your ANNUAL PERCENTAGE RATE can be made at our discretion subject to 
the terms of this Agreement. If the ANNUAL PERCENTAGE RATE increases or 
decreases, the FINANCE CHARGE will increase or decrease. Each change in 
the ANNUAL PERCENTAGE RATE and Monthly Periodic Rate which is the result 
of an increase or decrease in the index will apply to any balance outstanding on 
the effective date of such change as well as to future Credit Purchases and Cash 
Advances. 
The initial periodic rate used in calculating your Monthly Periodic FINANCE 
CHARGE is set forth in the �Rate and Fee Table� you received under separate 
cover and which is made part of this Agreement. The Monthly Periodic FINANCE 
CHARGE for each billing cycle will be calculated by multiplying the Average Daily 
Balance (described below) of your Account for the billing cycle by the Monthly 
Periodic Rate. The Monthly Periodic Rate is determined by dividing the ANNUAL 
PERCENTAGE RATE by 12 and will change when the ANNUAL PERCENTAGE RATE changes. ^We add 7.74% to the Prime rate to determine the current  
lowest Daily Periodic Rate used in calculating the FINANCE CHARGE is 
0.02120%, which currently corresponds to an ANNUAL PERCENTAGE RATE of 
10.99%. We add 14.75% to the Prime to determine the highest Daily Periodic 
Rate used in calculating the FINANCE CHARGE is 0.04932%, which  
corresponds to an ANNUAL PERCENTAGE RATE of 18.00%. 
Penalty Pricing: Interest Rate Adjustment Event. An Interest Rate Adjustment 
Event will occur whenever your Account is two Minimum Payments Past Due. 
We will change your interest rate to a rate of 18.00% ANNUAL PERCENTAGE 
RATE which is a Monthly Periodic Rate of 1.50% on the first day of the billing 
cycle following the cycle that was two Minimum Payments Past Due. The  
Maximum PENALTY ANNUAL PERCENTAGE RATE is 18.00%. Then after you 
make 6 consecutive minimum payments to your account, we will change the 
interest rate to your original rate (the ANNUAL PERCENTAGE RATE that was 
applicable to your account at the time it was opened and any subsequent  
modification to this rate). The Monthly Periodic Rate and ANNUAL PERCENTAGE 
RATE change to the original rate will become effective the first day of the billing 
cycle following the 6th consecutive billing cycle. 
An increase in the ANNUAL PERCENTAGE RATE will have the effect of  
decreasing the portion of any payment applied to reduction of the principal 
account balance and may, therefore, increase the number of minimum payments 
necessary to pay off the Account.
11. CHECKING ACCOUNT OVERDRAFT COVERAGE:  Your Card may also 
provide Overdraft Coverage on your Provident Credit Union checking account. If you  
authorize us to link your 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. These transfers will be treated as cash advances. If sufficient credit is 
not available on your 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.
12. LIABILITY FOR OVERDRAFTS CAUSED BY ANY CHECKING ACCOUNT  
SIGNER:  You understand that if advances are made against your Card 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.
13. PAYMENTS:  We will apply your payments first to any billed fees, then to late 
charges, then to the FINANCE CHARGE 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.
14. PERIODIC STATEMENTS and NOTICES:  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 an Interest Charge 
imposed with respect to your account, we will send you a periodic statement for 
that Billing Cycle. Statements and Notices will be mailed to you at the most recent 
address you have given the Credit Union. Statements and Notices sent to any one 
of you will be considered notice to all.
15. 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.
16. 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.
17. LIABILITY FOR UNAUTHORIZED USE:  You may be liable for the unauthorized 
use of your Card. You will not be liable for any unauthorized use that occurs after 
you notify the Credit Union orally, of the loss, theft or possible unauthorized use. In 
any case, your liability will not exceed $50.00. You may report a lost or stolen Card 
by calling 1-(866) 820-4879.
18. LOST AND STOLEN CARDS:  If you report your Card lost or stolen as provided 
in paragraph 17, then recover or find your Card and fail to notify us immediately of 
the recovery at 1-(866) 820-4879, you agree to pay us the amount of any reward previously paid by us to a retail merchant to recover the Card you reported as lost 
or stolen.
19. OTHER PROVISIONS:  Each of you who signed the Application and/or  
requested the Account or use the Account is individually and jointly obligated for all 
payments due under this Agreement. The Account has been applied for,  
considered, approved and issued in the State of California and all extensions of 
credit are being made from the State of California. You agree that this Agreement 
shall be governed by and interpreted under California and Federal Law. If any part of 
this Agreement is not valid, all other parts will remain enforceable.
20. 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. Your obligation to pay the amount owed 
on your Account continues until paid in full even though an agreement, divorce 
decree or other court judgment to which the Credit Union is not a party may direct 
someone else to pay the Account balance.
21. 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 2.5% of 
your outstanding balance (�New Balance�) or $25.00, whichever is greater. If your 
outstanding balance is $25.00 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. Subject 
to applicable law, 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 to higher rate balances, as 
applicable.
22. AUTOMATIC PAYMENT OPTION:  If you have requested this optional service, 
you will automatically transfer the amount of the payment requested from your 
designated Credit Union account. The payment option can be designated by you as 
one of the following: (1) Full Payment; (2) Minimum Periodic Payment; or, (3) a  
specified dollar amount. If the amount you have designated for payment is greater 
than the amount of available funds being on deposit on the day of the transfer 
the transfer has been made, the transfer will be reversed. If you make additional 
payments during the billing cycle, the automatic transfer may still take place on the 
statement closing date. We may cancel this service if the transfers are not honored 
because of insufficient and/or unavailable funds in your deposit account and we will 
notify you of this action. You may cancel this service at any time, however you  
understand that one more transfer(s) may occur if you do not provide sufficient 
notice for the Credit Union to input the change.
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:  Events of Default. You will be in default under the Account and 
Agreement if any of the following events shall occur. (a) If YOU fail to comply with 
the minimum payment or any other terms or conditions of this Agreement or on any 
other obligation YOU have or will have with you; (b) if YOU try to exceed your credit 
limit without our permission; (c) if YOU have made any false or misleading state -
ments on any credit application submitted to us; (d) if YOU should die or become  
insolvent; (e) if a petition should be filed or other proceedings should be started un -
der the Federal Bankruptcy Code, by any authorized signer on the Account, wheth -
er or not you have been listed as a creditor; (f) if a Receiver should be appointed or 
a writ or order of attachment, levy or garnishment should be issued against you or 
any of your property, assets or income; or, (g) if you should consider that any debts 
due under this Agreement unsafe or not completely secure or if you should believe, 
in good faith, that the chances of your paying or performing all of your obligations 
under this Agreement have been impaired.
If default occurs under this Agreement, we may, at our option, without notice to you, 
terminate this Agreement, revoke your right to use the Card, and demand that you 
will pay us immediately all sums which you owe us. Interest will continue to accrue