Visa Signature
Credit Card Agreement

INTRODUCTION.

1. 
This  VISA  Credit  Card  Agreement  (Agreement)  and  the  Account 
Disclosures  accompanying 
this  Agreement  will  govern  your 
Signature Visa account issued by OnPoint Community Credit Union. 
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  Signature  Visa  program.  Except  as  otherwise  specified 
in this Agreement, all terms and conditions of this Agreement apply 
to  any  Card  issued  under  any  of  the  above-referenced  programs. 
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.

ACCOUNT ACCESS.

2. 
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.

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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. 
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  a  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 

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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 
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 2% of your outstanding balance 
(“New Balance”) or $50.00, whichever is greater. If your outstanding 
balance is  $50.00 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, PO Box 
60510,  City  of  Ind,  CA  91716-0510  at  or  before  5:00  PM  Pacific 
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 
Pacific 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.

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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  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 and Balance Transfers. 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 
a Interest Charge on purchases for a billing cycle. However, to the 
extent you do not pay your purchase transactions from the previous 
billing cycle within the grace period, your Interest Charge will accrue 
from the date purchases are posted to your account.

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

We  figure  the  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. 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.

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10.  PERIODIC  RATE  AND  CORRESPONDING  ANNUAL 

PERCENTAGE RATE (VARIABLE).  

A.  Standard Rates. To obtain the Periodic Rate, we divide the 
Annual Percentage Rate by 365. The Annual Percentage Rate may 
change as of the first day of each billing cycle, 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, the change will be effective on the 1st day of your 
next billing cycle following the change. The margin for your Account 
depends on your credit profile and will be set forth in the Account 
Disclosure  that  is  provided  when  your Account  is  opened,  and  is 
incorporated in this Agreement.

Introductory  or  Promotional  Rates.  At  our  discretion,  we 
B. 
may  offer  you  an  introductory  or  promotional  Annual  Percentage 
Rate  for  your  Account.  Any  introductory  or  promotional  Annual 
Percentage  Rate  will  be  subject  to  the  terms  of  the  offer  and  this 
Agreement.  We  will  provide  you  with  information  on  the  offer, 
including  the  time  period  the  introductory  or  promotional  Annual 
Percentage  Rate  is  in  effect  in  the Account  Disclosure  when  you 
open your Account or in other materials that we send to you about 
the offer after you receive your Credit Card. 

C.  Default Rate. 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:

Late Fee. If we do not receive your minimum payment within 3
A. 
days  of  the  due  date,  we  may  impose  a  Late  Fee  of  $25.00 
(balances  greater  than  $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.  We  may    impose  a    $5.00  card 
replacement  fee  for  each  VISA  card,  which  is  lost,  stolen,  or 
damaged.

D.  Annual  Fee.  You  will  pay  an  Annual  Fee  of  $50.00  at  the 
beginning of each year the Account is open (except the first year).  
This  fee  will  be  added  to  your  account  during  the  billing  cycle  in 
which the anniversary of the date your account was opened occurs.

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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.
The  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 
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.

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.

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Security of Access Code. The personal identification number 
E. 
(PIN) 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  access  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. 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.  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  the  terms  of  this 
Agreement.

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  CREDIT 

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,  PO  Box  31112,  Tampa  FL  33631-3112 
or Telephone:  1-866-820-5831  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 

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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.  YOUR CREDIT CARD BILLING RIGHTS
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, P.O. 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 

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 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 

8

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.)
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.
You must not yet have fully paid for the purchase.

3. 
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.

2. 

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.  REWARDS.
Features  are  subject 
www.curewards.com.

to  Terms  and  Conditions  posted  at

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