highest Annual Percentage Rate,  then to that portion of Your unpaid Agreement. In any event, You hold Us harmless for any and all liability any case, remain liable to pay any unpaid balances according to the What To Do If You Find A Mistake On Your Statement between Us. If We do not follow all of the rules above, You do not � For loans over $10,000: lower the rate one-quarter percent
 principal balance which carries the next highest Annual Percentage which might otherwise arise if the transfer does not occur. Your terms of this Agreement.  have to pay the first $50 of the amount You question even if Your (0.25%) if you cash out 5,000 points, or lower it one-half percent
 Rate, and so on, until the payment is depleted. Overdraft Protection automatically ceases if this Agreement is ever If You think there is an error on Your statement, write to Us at Our bill is correct. (0.50%) for 10,000 points.
 cancelled or terminated or Your Account is in default.  TRANSACTION SLIPS. Your periodic statement will identify the address shown in this Agreement. In Your letter, give us the
 Minimum Monthly Payments will be an amount equal to 3.00% of Your merchant, electronic terminal or financial institution at which transactions following information: Your Rights If You Are Dissatisfied With Your POINTS EARNED. Three (3) CURewards points will be earned for
 unpaid Visa Account balance at the end of each billing cycle, subject OWNERSHIP. Your Card remains Our property and may be cancelled were made, but sales, cash advances, credit or other slips will not be Credit Card Purchases each dollar charged with the card at a merchant located in the city of
 to the lesser of $25 or Your Account balance. In addition to the by Us at any time without notice. You agree to surrender Your Card and returned with the statement. You will retain the copy of such slips furnished � Account information: Your name and Account number. Los Angeles, California � inclusive of the following named areas
 Minimum Monthly Payment, You will also be required to pay any prior to discontinue its use immediately upon Our request. at the time of the transaction in order to verify Your monthly statement.  � Dollar amount: The dollar amount of the suspected error. If You are dissatisfied with the goods or services that You have which are considered to be part of Los Angeles* ("Triple
 payments due which remain unpaid and any amounts which exceed � Description of problem: If You think there is an error on Your  purchased with Your Credit Card, and You have tried in good faith CURewards"). For an updated list of cities that qualify for Triple
 Your credit limit. PENALTY RATE. If Your payment is past due during any two UNAUTHORIZED USE. You may be liable for the unauthorized use of bill,  describe what You believe is wrong and why You believe to correct the problem with the merchant, You may have the right CURewards and other details concerning the CURewards program, Shop LA City
 consecutive billing cycles (but not more than 60 days past due), subject Your Card. You will not be liable for the unauthorized use that occurs it is a mistake. not to pay the remaining amount due on the purchase. To use this visit the �Shop LA City Visa Card� web page located on Our website
          �
 Payments received before 2:30 p.m. on a business day that We are to applicable law, the Monthly Periodic Rate applicable to future after You notify Us orally and in writing at the address or telephone right, all of the following must be true: at www.LAFCU.org. Points will not be earned on advances made by Visa Platinum Plus
 open will be credited to Your Account that day. Payments received after transactions will increase to 1.5000% (corresponding ANNUAL number shown in this Agreement, of the loss, theft, or possible You must contact Us: cash advance or Convenience Check.
 2:30 p.m. will be credited to Your Account the next business day. PERCENTAGE RATE 18.00%). unauthorized use. In any case, Your liability will not exceed $50. 1) The purchase must have been made in Your home state or
 � Within 60 days after the error appeared on Your statement. within 100 miles of Your current mailing address, and the *Arleta, Arlington Heights, Atwater Village, Baldwin Hills, Bel Air, with CURewards
 NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if If Your payment is more than 60 days past due, subject to applicable UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will � At least 3 business days before an automated payment is  purchase price must have been more than $50. (Note: Beverly  glen,  Beverly  Crest,  Beverlywood,  Boyle  Heights,
 You move or otherwise have a change of address.  law, the Monthly Periodic Rate applicable to Your entire balance of provide facts to update personal information or other financial scheduled, if You want to stop payment on the amount You Neither of these are necessary if Your purchase was based Brentwood, Cahuega Pass, Canoga Park, Century City, Chatsworth,
 transactions existing at that time will also increase to 1.5000% information related to You, at Our request. You also agree that We may, think is wrong. on an advertisement We mailed to You, or if We own the Cheviot Hills, Chinatown, Crenshaw, Crestview, Cypress Park, Del
 OTHER FEES AND CHARGES. You agree to pay Us the following fees (corresponding ANNUAL PERCENTAGE RATE 18.00%). During the from time to time, as We deem necessary, make inquiries pertaining company that sold You the goods or services.) Rey, Downtown Los Angeles, Eagle Rock, East Hollywood, East Los
 and charges associated with the use of Your Card: (a) Except for Premier six-month period following the effective date of such increase, upon to Your employment, credit standing and financial responsibility in You must notify Us of any potential errors in writing. You may call Angeles, Echo Park, El Sereno, Elysian Park, Elysian Valley, Encino,
     VARIABLE-RATE CREDIT CARD
 and Premier 55 Cardholders, $15 for each replacement Card that You receipt of the first six consecutive required minimum periodic payments accordance with applicable laws and regulations. You further agree Us, but if You do We are not required to investigate any potential 2) You must have used Your Credit Card for the purchase. Fairfax, glassell Park, granada Hills, greater Mid-Wilshire, griffith
 request (Value and Imperial accountholders are eligible to receive one when due, the rate applicable to the balance of transactions that that We may give information about the status and payment history of errors and You may have to pay the amount in question. Purchases made with cash advances from an ATM or with a Park, Hancock Park, Harbor City, Harbor gateway, Harvard Heights, AGREEMENT AND DISCLOSURE
 free replacement Card per 12-month period); (b) to the extent permitted occurred prior to such increase will be returned to the standard rate that Your Account to consumer credit reporting agencies, a prospective check that accesses Your Credit Card account do not qualify. Highland Park, Hollywood, Hyde Park, Jefferson Park, Koreatown,
 by law, a returned check (or other negotiable instrument) charge or would have otherwise been in effect. employer or insurer, or a state or federal licensing agency having any What Will Happen After We Receive Your Letter Los Angeles International Airport, La Tuna Canyon, Ladera Heights,
 declined Automated Clearing House (ACH) payment charge, as apparent legitimate business need for such information. 3) You must not yet have fully paid for the purchase.  Lake Balboa, Lakeview Terrace, Leimert Park, Lincoln Heights, Los
 applicable, equal to the lesser of $25 or the amount of the required At Our discretion, We may reduce any Penalty Rate applicable to Your When We receive Your letter, We must do two things: Angeles, Los Feliz, Mar Vista, Mid-City, Mission Hills, Montecito
 minimum payment due, for each item that is returned for non-payment; Account without giving up any of Our rights set forth in this provision or USE OF YOUR CARD. You may use Your Card to buy goods and If all of the criteria above are met and You are still dissatisfied Heights, Mt. Washington, North Hills, North Hollywood, Northridge,
 (c) $25 for express replacement of a Card; (d) $26 for each stop payment in any other provision of Your Agreement with Us. services in any place that it is honored and to get cash advances from 1) Within 30 days of receiving Your letter, We must tell You that with the purchase, contact Us in writing at Our address shown in Pacific Palisades, Pacoima, Palms, Panorama City, Pico Union,
 that You request for Visa Convenience Checks; (e) $5 for each merchant Us or another financial institution, except to the extent that You agree We received Your letter. We will also tell You if We have  this Agreement.  Playa del Rey, Playa Vista, Porter Ranch, Rancho Park, Reseda,
 draft copy that You request that is unrelated to a valid billing error dispute; PERIODIC STATEMENT. On a regular basis, You will receive a not to use Your Card in any country that We or the United States already corrected the error. San Pedro, Sawtelle, Sepulveda, Shadow Hills, Sherman Oaks,
 (f) for cash advances obtained at ATMs owned and operated by Us, You statement showing all transactions on Your Account including amounts government may from time to time designate. If You are issued a cash 2) Within 90 days of receiving Your letter, We must either correct While We investigate, the same rules apply to the disputed amount Silver Lake, South Carthay, South Central Los Angeles, South
 will be charged a cash advance fee FINANCE?CHARGE equal to the paid and borrowed since Your last statement. We will mail You a advance draft, it will be imprinted with Your Card number.  the error or explain to You why We believe the bill is correct. as discussed above. After We finish Our investigation, We will tell Robertson, Southeast Los Angeles, Studio City, Sun Valley, Sunland,
 greater of $10, or 2.00% of the amount advanced plus $2.50 for each statement each billing cycle in which there is a debit or credit balance You Our decision. At that point, if We think You owe an amount and Sylmar, Tarzana, Terminal Island, Toluca Lake, Tujunga, USC, Valley
 You do not pay, We may report You as delinquent.
 such advance; and (g) for all cash advances (other than those obtained or when a Finance Charge is imposed. We need not send You a You agree not to use Your Card for illegal transactions, whether or not While We investigate whether or not there has been an error: glen, Valley Village, Van Nuys, Venice, Watts, West Adams, West
 at an ATM owned and operated by Us), You will be charged a cash statement if We feel Your Account is uncollectible or if We have started such transaction is transmitted electronically, involves the use of the Hills, West Los Angeles, Westchester, Westlake, Westwood,
 CURewards Points
 advance fee FINANCE?CHARGE equal to the greater of $10, or 2.00% collection proceedings against You because You defaulted. Each internet or is otherwise made in person. Illegal or unlawful transactions � We cannot try to collect the amount in question, or report You Wilmington, Wilshire Center, Winnetka, Woodland Hills.
 of the amount advanced. statement is deemed to be a correct statement of account unless You include, but are not limited to, advances made for the purpose of as delinquent on that amount.
 EXPIRATION. Points will accrue during each three (3) calendar year
 establish a billing error pursuant to the Federal Truth-In-Lending Act. gambling and/or wagering, where such bet or wager is unlawful under � The charge in question may remain on Your statement, and One (1) point will be earned for each dollar charged with the card at
 period, and will expire on a first-in first-out basis annually. This
 OTHER SECURITY. Collateral (other than household goods or any any applicable federal or state law in the State or Tribal lands in which We may continue to charge You interest on that amount. a merchant located outside of the city Los Angeles, California or
 means points earned in calendar year one (but not yet redeemed)
 dwelling) given as security under any other loan You may have with Us PROMISE TO PAY. Your Account may be accessible through a variety the bet or wager is initiated, received, or otherwise made. You further � While You do not have to pay the amount in question, You are  outside of those areas set forth above. Points will not be earned on
 will expire as of the last business day of calendar year three. For
 will secure all amounts You owe Us now and in the future if that status of means which could include advance request forms, vouchers, agree and understand that any such illegal or unlawful transaction may responsible for the remainder of Your balance. advances made by cash advance or Convenience Check.
 example, points earned anytime during the year of 2011 (year one)
 is reflected in the "Truth-in-Lending Disclosure" in any particular checks, charge slips, credit cards, Visa Convenience Checks and the be blocked, declined or otherwise reversed. � We can apply any unpaid amount against Your Credit Limit.
 will expire on December 31, 2013.
 Agreement evidencing such debt.      like. Regardless of the access means, You promise to pay Us all Triple CURewards points are earned when the merchant city name
 amounts charged to Your Account by You or by any user who has VISA CONVENIENCE CHECk RATE. If Your Account is subject to a After We finish Our investigation, one of two things will happen: listed in the Credit Union's credit card record is �Los Angeles� or any
 MAXIMUM. The maximum points that may be earned each month
 OUR RESPONSIBILITIES TO HONOR VISA CONVENIENCE access to Your Account, with actual, apparent or implied authority for promotional rate for Visa Convenience Check transactions, the Monthly of the other named areas set forth in this section. Should You have
 is 15,000, whereas the maximum that may be earned each year
 CHECkS. We are under no obligation to honor Your Visa Convenience use of Your Account, including Finance Charges and other fees or Periodic Rate applicable to such transactions will be either 0.0000% � If We made a mistake: You will not have to pay the amount in  any questions concerning the rate at which You were awarded
 is 75,000.
 Checks if: (1) by paying a Visa Convenience Check, You would exceed charges described herein. (corresponding ANNUAL PERCENTAGE RATE 0.00%) if You have not question or any interest or other fees related to that amount. points, You must contact Us in writing within sixty (60) days of the
 Your Credit Limit; (2) Your Cards or Visa Convenience Checks have previously had a Credit Union issued credit card, or 0.6583% � If We do not believe there was a mistake: You will have to  transaction date.
 REDEMPTION. Points may be redeemed for merchandise, travel or
 been reported lost or stolen; (3) Your Account has been cancelled or REFUSAL TO HONOR CARDS OR VISA CONVENIENCE CHECkS. (corresponding ANNUAL PERCENTAGE RATE 7.90%) if You have pay the amount in question, along with applicable interest 
 to get discounts on Credit Union closed-end consumer loan rates
 has expired. If a postdated Convenience Check is paid and, as a Visa Convenience Checks must be at least equal to $100 and cannot previously had a Credit Union issued credit card. Upon the expiration of and fees. We will send You a statement of the amount You  (including boats, cars, motorcycles, personal computers, RVs, P. O. Box 53032
 result, any other Convenience Check is returned unpaid, We are not exceed  the lesser of Your approved Credit Limit or $30,000, and We any such promotional rate period, the Monthly Periodic Rate and owe and the date payment is due. We may then report You trucks, "Personaline" lines of credit and Signature loans). Visit Los Angeles, CA 90053-0032
 responsible for any resulting loss or liability. may refuse to honor any non-conforming convenience check. We are corresponding Annual Percentage Rate applicable to the portion of Your as delinquent if You do not pay the amount We think You owe. www.curewards.com or call (800) 900-6160 for travel and
 not liable for the refusal or inability of merchants, financial institutions balance consisting of transactions that occur after the expiration of such and backed by the full faith and credit of the United States Government and backed by the full faith and credit of the United States Government Your savings federally insured to at least $250,000 Your savings federally insured to at least $250,000
 merchandise redemption information. Credit Union consumer loan (877) MY LAFCU (695-2328)
 OVERDRAFT PROTECTION. If the Overdraft Protections feature of and others to accept the Cards or Visa Convenience Checks, or period will increase to the non-promotional rate disclosed in this Agreement. If You receive Our explanation but still believe Your bill is wrong, You interest rates can be reduced (restrictions apply) by cashing out FAX (818) 242-5812
 Your Account has been activated, We may transfer funds in multiples electronic terminals to honor the Cards or complete a Card withdrawal, must write to Us within 10 days telling Us that You still refuse to pay. earned points, as follows: NCUA NCUA
 necessary (or in such increments as We may from time to time or for their retention of the Cards or Visa Convenience Checks. Your Billing Rights: keep this Document for Future Use If You do so, We cannot report You as delinquent without also National Credit Union Administration, a U.S. Government Agency e-Mail:   consumerloans@lafcu.org
 determine) to clear any overdraft on Your checking (Share Draft) reporting that You are questioning Your bill. We must tell You the � For loans up to $10,000: lower the rate one-quarter percent Website:   www.lafcu.org
 account by an advance on Your Account subject to this provision. TERMINATION. Subject to applicable law, either You or We may cancel This notice tells You about Your rights and Our responsibilities under name of anyone to whom we reported You as delinquent, and We (0.25%) if you cash-out 2,500 points, or lower it one-half percent Copyright Oak Tree Business Systems Inc, 2011.
 Whether or not such a transfer occurs will be controlled by this Your Account at any time whether or not You are in default. You will, in the Fair Credit Billing Act. must let those organizations know when the matter has been settled (0.50%) for 5,000 points. All Rights Reserved.   OTBS 016 VISA - Variable?LAFD (6/11)
                       M-103720
 8 9 10 11 12 13
   THIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL TRUTH-IN-LENDING Fees                             on Your written request or automatically deposit it to Your Share Account Otherwise, the new balance of purchases, and subsequent purchases INTEGRATED DOCUMENTS. Any separate sheet of paper labeled
   DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR SHOP LA CITY VISA PLAT-                            after six months.                from the date they are posted to Your Account, will be subject to a "Additional Disclosure - Federal Truth-In-Lending Act" which is delivered
                                                                    Annual Fee         $25.00
   INUM PLUS WITH CUREWARDS CREDIT CARD. PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US                                                               Finance Charge. Cash advances  and balance transfers (including Visa to You and relates to this Agreement is an integrated part of this
   AT ONCE IF ANY PARTS ARE UNCLEAR.                                                                                                CREDIT INSURANCE. Credit insurance is not required for any extension Convenience Checks) are always subject to a Finance Charge from the Agreement and Disclosure.
                                                                    Transaction Fees                                                of credit under this Agreement. However, You may purchase any credit date they are posted to Your Account.
                                                                                                                                    insurance available through Us and have the premiums added to the ISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue
   Interest Rate and Interest Charges                                 � Cash Advance   Either $10.00, or 2.00% of the amount advanced plus $2.50, outstanding balance of Your Account. If You elect to do so, You will be Your Account is subject to an Introductory Rate for the 6-month period You a Personal Identification Number (PIN) for use with Your Card. This
                                                                                       whichever is greater [for advances at ATMs owned by Us] given the necessary disclosures and documents separately. Any credit immediately following the date that it is opened by Us. During that time PIN is confidential and should not be disclosed to anyone. You may use
    Annual Percentage                                                                                                               insurance premiums will be charged to Your Account as a purchase. the Monthly Periodic Rate that will apply to purchases (including VISA Your PIN and Your Card to access Your Account and all sums advanced
                  0.00% or7.90%   Introductory APR for 6 months, depending on          Either $10.00, or 2.00% of the amount advanced, whichever is
    Rate (APR) For                                                                                                                                                   Convenience Checks) and balance transfers (excluding transfers of will be added to Your Account balance. In the event a use of Your PIN
                  whether You have previously had a Credit Union issued credit card.   greater [for advances other than those at ATMs We own] DEFAULT. You will be in default if: (a) You do not make any payment or existing Credit Union balances) will be either 0.0000% (corresponding constitutes an Electronic Fund Transfer, the terms and conditions of Your
    Purchases                                                                                                                       perform any obligation under this Agreement, or any other agreement that ANNUAL PERCENTAGE RATE 0.00%) if You have not previously had Electronic Fund Transfer Agreement may affect Your rights.
                                                                                                                                    You may have with Us; or (b) You should die, become involved in any a Credit Union issued credit card, or 0.6583% (corresponding ANNUAL
                     After that Your APR will be 9.90% - 18.00% based on Your  � Foreign Transaction 1.00% of each foreign currency transaction in U.S. dollars.
                                                                                                                                    insolvency, receivership or custodial proceeding brought by or against PERCENTAGE RATE 7.90%) if You have previously had a Credit JOINT ACCOUNTS. Each Cardholder will be responsible, jointly and
                     creditworthiness. This APR will vary with the market based on the 1.00% of each U.S. Dollar transaction that occurs in a foreign country. You; or (c) You have made a false or misleading statement in Your credit Union issued credit card. severally, for the repayment of amounts owed. You understand that any
                                                                                                                                    application and/or in Your representations to Us while You owe money on Card which is requested and approved will be mailed only to the primary
                     Prime Rate.
                                                                                                                                    Your Account; or (d) A judgment or tax lien should be filed against You or Upon the expiration of the Introductory Rate period, the Monthly Cardholder at the address indicated on the application. We may refuse
                                                                    Penalty Fees
                                                                                                                                    any attachment or garnishment should be issued against any of Your Periodic Rate and corresponding Annual Percentage Rate applicable to follow any instructions which run counter to this provision. 
    Annual Percentage                                                 � Late Payment   Up to $25.00 after 1 day                     property or rights, specifically including anyone starting an action or to the portion of Your balance consisting of transactions that occur after
                  0.00% or 7.90% Introductory APR for 6 months (excluding transfers of ex-                                          proceeding to seize any of Your funds on deposit with Us; and/or (e) We the expiration of such period will increase to the non-introductory rate LATE CHARGE. If Your payment is late, You will be charged the lesser
    Rate (APR) For
                  isting Credit Union credit card balances), depending on whether You have � Returned Payment Up to $25.00          should, in good faith, believe Your ability to repay Your indebtedness disclosed in this Agreement. of: (a) the amount of the minimum payment due; or (b) $25.
    Balance Transfers                                                                                                               hereunder is or soon will be impaired, time being of the very essence.
                  previously had a Credit Union issued credit card.
                                                                                                                                                                     The Monthly Periodic Rate applicable to Your balance for Cash Advances LINE OF CREDIT LIMIT. If Your application for a Card is approved, You
                                                                    How We Will Calculate Your Balance: We use a method called "average daily balance (including If You are in default, We may, without notice or demand, and to the is 1.50% (corresponding ANNUAL PERCENTAGE RATE 18.00%). will be notified of Your specific Credit Limit for transactions made under
                     After that Your APR will be 9.90% - 18.00% based on Your creditworthi-
                                                                    new purchases).� See Your Account Agreement for details.        extent permitted by law, cancel Your rights under this Agreement, Your Account. Unless You are in default, the Credit Limit established
                     ness. This APR will vary with the market based on the Prime Rate.                                              declare the entire unpaid balance immediately due and payable and Following the expiration of the applicable Introductory Rate period, for You will be self-replenishing as You make payments on Your
                                                                    Loss of Introductory APR: We may end Your Introductory APR and apply the Penalty APR if You require the return of all Cards and other Account Access devices.  advances for purchases and balance transfers are subject to a Variable Account. You will keep Your unpaid balance within Your Credit Limit set
                                                                                                                                                                     Rate which is based on the highest Prime Rate as published in the by Us, and You will pay any amount over Your Credit Limit on Our
    Annual Percentage 18.00%                                        make a late payment.                                            EFFECT OF AGREEMENT. Even though the sales, cash advance, Money Rates section of The Wall Street Journal in effect on the day demand whether or not We authorize the advance which caused You
    Rate (APR) For                                                                                                                  credit or other slips You may sign or receive when using the Card that any Introductory Rate period expires, and subsequently, each day to exceed Your Credit Limit. Even if Your unpaid balance is less than
                                                                    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is contain terms, this Agreement is the contract which solely applies to all of each year thereafter ("Index") plus Our Margin. The Index plus the Your Credit Limit, You will have no credit available during any time that
    Cash Advances
                                                                    provided in Your Account Agreement.                             transactions involving the Card. Margin equals the Interest Rate. Changes in the Index will cause any aspect of Your Account is in default. 
                                                                                                                                                                     changes in the Interest Rate on the day that any Introductory Rate
    Penalty APR and 18.00%                                          In this Agreement, the reference to "We," "Us," "Our", and "Credit Union" by the Federal Truth-In-Lending Act. To the extent permitted by law, the ENFORCEMENT. We do not lose Our rights under this or any related period expires, and subsequently, each day of each year thereafter LOST OR STOLEN CARDS AND/OR VISA CONVENIENCE CHECkS.
                                                                    mean the LOS ANgELES FEDERAL CREDIT UNION. The words "You" right to change the terms of this Agreement includes, but is not limited
    When it Applies                                                                                                                 agreement if We delay enforcing them. We can accept late payments, Increases or decreases in the Interest Rate will cause like increases or To report a lost or stolen Card or Convenience Check, You will
                                                                    and "Your" mean each person who accepts this Agreement or uses the to, the right to change the periodic rate applicable to Your unpaid partial payments, or any other payments, even if they are marked �paid in decreases in the Finance Charge and will affect the number of Your immediately call Us at (800) 449-7728. You may also write to Us at the
                   This APR may be applied if You:                  Shop LA City Visa Platinum Plus with CURewards Credit Card. "Account" balance and/or future advances. full� without losing any of Our rights under this Agreement. If any provision regularly scheduled payments. Your Interest Rate will never be greater address shown in this Agreement.
                                                                    means the Shop LA City Visa Platinum Plus with CURewards Credit Card
                   1) Make a late payment.                                                                                          of this or any related agreement is determined to be unenforceable or than 18.00% and will apply to Your remaining principal balance.
                                                                    Account established for You. The words �Credit Card� or �Card� mean any COLLECTION COSTS. To the extent permitted by law, You will invalid, all other provisions remain in full force and effect. MINIMUM MONTHLY PAYMENT. Though You need only pay the
                                                                    Shop LA City Visa Platinum Plus with CURewards Credit Card issued to reimburse Us for all of Our costs and expenses, including reasonable For the applicable Introductory Monthly Periodic Rate (and Minimum Monthly Payments, You understand that You have the right
                   How Long Will The Penalty APR Apply? If Your APRs are increased for You by Us and any duplicates and renewals. �Visa Convenience Checks� attorney fees incurred in the course of collecting any amounts owed FINANCE CHARGES. In the case of any transactions under Your corresponding Annual Percentage Rate), Margin, current non- to repay Your Account or make larger payments at any time without
                                                                    mean the special Account access devices We provide for Your use from under this Agreement or for the recovery of any collateral. Account, a Finance Charge will be imposed on all purchases, balance introductory Monthly Periodic Rate (and corresponding Annual penalty. You will only be charged periodic Finance Charges to the date
                   this reason, for transactions that you make prior to the effective date of the time to time. If this is a joint account, read singular pronouns in the plural.  transfers and cash advances by the application of a monthly periodic Percentage Rate) applicable to purchases and balance transfers, You repay Your entire Account balance. Any partial payment or
                   increase the Penalty Rate will apply until you make the next six consecutive     CONSENT TO AGREEMENT. You acknowledge receipt of a copy of rate (and corresponding Annual Percentage Rate) to the Average Daily refer to the separate page titled �Additional Disclosure � Federal prepayment of Your Account will not delay Your next scheduled
                                                                    You understand the following terms constitute the Agreement: this Agreement and Disclosure. By signing the Application and Your
                   minimum payments when due.  For transactions that you make after the                                             Balance indicated on Your monthly billing statement.  Truth-In-Lending Act� which We have included with and made a payment. All payments to Us must be in lawful money of the United
                                                                                                    Credit Card, by using Your Card, by using Your Account or by     part of this Agreement.         States. Payments will be applied in the following order: (a) any Fees
                   effective date of the increase, the Penalty Rate may be applied indefinitely. ANNUAL FEE. Except for the first 12-consecutive month period that authorizing another to use Your Account, You agree to accept its terms. To get the Average Daily Balance, We take the beginning balance of Your owing; (b) any Finance Charges due on purchases and cash
                                                                    immediately follows the date Your Account is established, You will be Account each day during the billing cycle (including any unpaid purchases, FOREIGN TRANSACTIONS. For transactions initiated in foreign advances; (c) any outstanding principal balances for cash advances
                                                                    charged a $25.00 Annual Fee for Your continued participation in the CONSENSUAL LIEN. As permitted by law, You grant and consent balance transfers and cash advances first posted to Your Account during countries and foreign currencies, the exchange rate between the previously billed yet unpaid; (d) any remaining balance for cash
    Paying Interest We will not charge You interest on purchases if You pay Your entire balance owed Shop LA City Visa Platinum Plus with CURewards program. This fee is to a lien on Your deposit accounts with Us (other than those the prior billing cycle; excluding any previously billed but unpaid Finance transaction currency and the billing currency (U.S. dollars) will be: advances; (e) any outstanding principal balances for purchases
                   each month within 25 days of Your statement closing date. We will begin charging required each year to continue credit availability whether or not You use deposits established under a governmental-approved tax Charges and Late Charges), add any new purchases, balance transfers (a) a rate selected by VISA from the range of rates available in previously billed yet unpaid; and then to (f) any remaining balance for
                                                                    Your Account throughout the year, except to the extent that such fee deferral plan such as an IRA or keogh Account) and any or cash advances and subtract any payments or credits (as described wholesale currency markets for the applicable central processing purchases. You understand that any delay in the repayment of Your
                   interest on cash advances and balance transfers on the transaction date. will be waived during each year that purchase transactions totaling dividends due or to become due to You from Us to the extent herein). This gives Us the daily balance. We then add up all the daily date, which rate may vary from the rate VISA itself receives; or (b) unpaid balance will increase the amount You will pay in periodic
                                                                    $6,000 or more are posted to Your Account. After the first year, You will You owe on any unpaid Credit Card balance. balances for the billing cycle and divide the total by the number of days in the government-mandated rate in effect for the applicable central Finance Charges and any acceleration in the repayment of Your
                                                                    be provided with cancellation instructions with the statement on which
    For Credit Card Tips                                                                                                            the billing cycle. This gives Us the Average Daily Balance. processing date. In each instance, plus 1.00%. unpaid balance will decrease Your periodic Finance Charges. You
                   To learn more about factors to consider when applying for or using a Credit the Annual Membership Fee appears. Such fee will be identified on the CREDITS. If a merchant who honors Your Card gives You credit for understand that any portion of any payment received by Us which is
    from the Federal Re- Card,  visit  the  website  of  the  Federal  Reserve  Board  at  statements that You receive. returns or adjustments, the merchant will do so by sending Us a slip You can avoid Finance Charges on purchases by paying the full amount GOVERNING LAW. This Agreement is controlled and governed by the in excess of the required minimum periodic payment will be credited
    serve Board    http://www.federalreserve.gov/creditcard.                                        which will be posted to Your Account. If Your credits and payments of the entire balance owed each month within 25 days of Your statement laws of the State of California except to the extent that such laws are first to that portion of Your unpaid principal balance which carries the
                                                                    CHANGE IN TERMS. We may change the terms of this Agreement by exceed what You owe Us, We will hold and apply this credit against closing date, provided the previous statement�s balance was paid in full. inconsistent with controlling federal law.
                                                                    mailing or delivering to You written notice of the changes as prescribed future purchases and cash advances, or if it is $1.00 or more, refund it (continued on reverse side)
                 1                                2                               3                               4                               5                                6                               7
 THIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL TRUTH-IN-LENDING Fees on Your written request or automatically deposit it to Your Share Account Otherwise, the new balance of purchases, and subsequent purchases INTEGRATED DOCUMENTS. Any separate sheet of paper labeled
 DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR SHOP LA CITY VISA PLAT- after six months. from the date they are posted to Your Account, will be subject to a "Additional Disclosure - Federal Truth-In-Lending Act" which is delivered
   Annual Fee         $25.00
 INUM PLUS WITH CUREWARDS CREDIT CARD. PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US Finance Charge. Cash advances  and balance transfers (including Visa to You and relates to this Agreement is an integrated part of this
 AT ONCE IF ANY PARTS ARE UNCLEAR.                                 CREDIT INSURANCE. Credit insurance is not required for any extension Convenience Checks) are always subject to a Finance Charge from the Agreement and Disclosure.
   Transaction Fees                                                of credit under this Agreement. However, You may purchase any credit date they are posted to Your Account.
                                                                   insurance available through Us and have the premiums added to the ISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue
 Interest Rate and Interest Charges � Cash Advance Either $10.00, or 2.00% of the amount advanced plus $2.50, outstanding balance of Your Account. If You elect to do so, You will be Your Account is subject to an Introductory Rate for the 6-month period You a Personal Identification Number (PIN) for use with Your Card. This
                      whichever is greater [for advances at ATMs owned by Us] given the necessary disclosures and documents separately. Any credit immediately following the date that it is opened by Us. During that time PIN is confidential and should not be disclosed to anyone. You may use
 Annual Percentage                                                 insurance premiums will be charged to Your Account as a purchase. the Monthly Periodic Rate that will apply to purchases (including VISA Your PIN and Your Card to access Your Account and all sums advanced
 0.00% or7.90% Introductory APR for 6 months, depending on Either $10.00, or 2.00% of the amount advanced, whichever is
 Rate (APR) For                                                                                     Convenience Checks) and balance transfers (excluding transfers of will be added to Your Account balance. In the event a use of Your PIN
 whether You have previously had a Credit Union issued credit card. greater [for advances other than those at ATMs We own] DEFAULT. You will be in default if: (a) You do not make any payment or existing Credit Union balances) will be either 0.0000% (corresponding constitutes an Electronic Fund Transfer, the terms and conditions of Your
 Purchases                                                         perform any obligation under this Agreement, or any other agreement that ANNUAL PERCENTAGE RATE 0.00%) if You have not previously had Electronic Fund Transfer Agreement may affect Your rights.
                                                                   You may have with Us; or (b) You should die, become involved in any a Credit Union issued credit card, or 0.6583% (corresponding ANNUAL
 After that Your APR will be 9.90% - 18.00% based on Your  � Foreign Transaction 1.00% of each foreign currency transaction in U.S. dollars.
                                                                   insolvency, receivership or custodial proceeding brought by or against PERCENTAGE RATE 7.90%) if You have previously had a Credit JOINT ACCOUNTS. Each Cardholder will be responsible, jointly and
 creditworthiness. This APR will vary with the market based on the 1.00% of each U.S. Dollar transaction that occurs in a foreign country. You; or (c) You have made a false or misleading statement in Your credit Union issued credit card. severally, for the repayment of amounts owed. You understand that any
                                                                   application and/or in Your representations to Us while You owe money on Card which is requested and approved will be mailed only to the primary
 Prime Rate.
                                                                   Your Account; or (d) A judgment or tax lien should be filed against You or Upon the expiration of the Introductory Rate period, the Monthly Cardholder at the address indicated on the application. We may refuse
   Penalty Fees
                                                                   any attachment or garnishment should be issued against any of Your Periodic Rate and corresponding Annual Percentage Rate applicable to follow any instructions which run counter to this provision. 
 Annual Percentage � Late Payment Up to $25.00 after 1 day         property or rights, specifically including anyone starting an action or to the portion of Your balance consisting of transactions that occur after
 0.00% or 7.90% Introductory APR for 6 months (excluding transfers of ex- proceeding to seize any of Your funds on deposit with Us; and/or (e) We the expiration of such period will increase to the non-introductory rate LATE CHARGE. If Your payment is late, You will be charged the lesser
 Rate (APR) For
 isting Credit Union credit card balances), depending on whether You have � Returned Payment Up to $25.00 should, in good faith, believe Your ability to repay Your indebtedness disclosed in this Agreement. of: (a) the amount of the minimum payment due; or (b) $25.
 Balance Transfers                                                 hereunder is or soon will be impaired, time being of the very essence.
 previously had a Credit Union issued credit card.
                                                                                                    The Monthly Periodic Rate applicable to Your balance for Cash Advances LINE OF CREDIT LIMIT. If Your application for a Card is approved, You
   How We Will Calculate Your Balance: We use a method called "average daily balance (including If You are in default, We may, without notice or demand, and to the is 1.50% (corresponding ANNUAL PERCENTAGE RATE 18.00%). will be notified of Your specific Credit Limit for transactions made under
 After that Your APR will be 9.90% - 18.00% based on Your creditworthi-
   new purchases).� See Your Account Agreement for details.        extent permitted by law, cancel Your rights under this Agreement, Your Account. Unless You are in default, the Credit Limit established
 ness. This APR will vary with the market based on the Prime Rate. declare the entire unpaid balance immediately due and payable and Following the expiration of the applicable Introductory Rate period, for You will be self-replenishing as You make payments on Your
   Loss of Introductory APR: We may end Your Introductory APR and apply the Penalty APR if You require the return of all Cards and other Account Access devices.  advances for purchases and balance transfers are subject to a Variable Account. You will keep Your unpaid balance within Your Credit Limit set
                                                                                                    Rate which is based on the highest Prime Rate as published in the by Us, and You will pay any amount over Your Credit Limit on Our
 Annual Percentage 18.00% make a late payment.                     EFFECT OF AGREEMENT. Even though the sales, cash advance, Money Rates section of The Wall Street Journal in effect on the day demand whether or not We authorize the advance which caused You
 Rate (APR) For                                                    credit or other slips You may sign or receive when using the Card that any Introductory Rate period expires, and subsequently, each day to exceed Your Credit Limit. Even if Your unpaid balance is less than
   Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is contain terms, this Agreement is the contract which solely applies to all of each year thereafter ("Index") plus Our Margin. The Index plus the Your Credit Limit, You will have no credit available during any time that
 Cash Advances
   provided in Your Account Agreement.                             transactions involving the Card. Margin equals the Interest Rate. Changes in the Index will cause any aspect of Your Account is in default. 
                                                                                                    changes in the Interest Rate on the day that any Introductory Rate
 Penalty APR and 18.00% In this Agreement, the reference to "We," "Us," "Our", and "Credit Union" by the Federal Truth-In-Lending Act. To the extent permitted by law, the ENFORCEMENT. We do not lose Our rights under this or any related period expires, and subsequently, each day of each year thereafter LOST OR STOLEN CARDS AND/OR VISA CONVENIENCE CHECkS.
   mean the LOS ANgELES FEDERAL CREDIT UNION. The words "You" right to change the terms of this Agreement includes, but is not limited
 When it Applies                                                   agreement if We delay enforcing them. We can accept late payments, Increases or decreases in the Interest Rate will cause like increases or To report a lost or stolen Card or Convenience Check, You will
   and "Your" mean each person who accepts this Agreement or uses the to, the right to change the periodic rate applicable to Your unpaid partial payments, or any other payments, even if they are marked �paid in decreases in the Finance Charge and will affect the number of Your immediately call Us at (800) 449-7728. You may also write to Us at the
 This APR may be applied if You: Shop LA City Visa Platinum Plus with CURewards Credit Card. "Account" balance and/or future advances. full� without losing any of Our rights under this Agreement. If any provision regularly scheduled payments. Your Interest Rate will never be greater address shown in this Agreement.
   means the Shop LA City Visa Platinum Plus with CURewards Credit Card
 1) Make a late payment.                                           of this or any related agreement is determined to be unenforceable or than 18.00% and will apply to Your remaining principal balance.
   Account established for You. The words �Credit Card� or �Card� mean any COLLECTION COSTS. To the extent permitted by law, You will invalid, all other provisions remain in full force and effect. MINIMUM MONTHLY PAYMENT. Though You need only pay the
   Shop LA City Visa Platinum Plus with CURewards Credit Card issued to reimburse Us for all of Our costs and expenses, including reasonable For the applicable Introductory Monthly Periodic Rate (and Minimum Monthly Payments, You understand that You have the right
 How Long Will The Penalty APR Apply? If Your APRs are increased for You by Us and any duplicates and renewals. �Visa Convenience Checks� attorney fees incurred in the course of collecting any amounts owed FINANCE CHARGES. In the case of any transactions under Your corresponding Annual Percentage Rate), Margin, current non- to repay Your Account or make larger payments at any time without
   mean the special Account access devices We provide for Your use from under this Agreement or for the recovery of any collateral. Account, a Finance Charge will be imposed on all purchases, balance introductory Monthly Periodic Rate (and corresponding Annual penalty. You will only be charged periodic Finance Charges to the date
 this reason, for transactions that you make prior to the effective date of the time to time. If this is a joint account, read singular pronouns in the plural.  transfers and cash advances by the application of a monthly periodic Percentage Rate) applicable to purchases and balance transfers, You repay Your entire Account balance. Any partial payment or
 increase the Penalty Rate will apply until you make the next six consecutive CONSENT TO AGREEMENT. You acknowledge receipt of a copy of rate (and corresponding Annual Percentage Rate) to the Average Daily refer to the separate page titled �Additional Disclosure � Federal prepayment of Your Account will not delay Your next scheduled
   You understand the following terms constitute the Agreement: this Agreement and Disclosure. By signing the Application and Your
 minimum payments when due.  For transactions that you make after the Balance indicated on Your monthly billing statement.  Truth-In-Lending Act� which We have included with and made a payment. All payments to Us must be in lawful money of the United
                                   Credit Card, by using Your Card, by using Your Account or by     part of this Agreement.         States. Payments will be applied in the following order: (a) any Fees
 effective date of the increase, the Penalty Rate may be applied indefinitely. ANNUAL FEE. Except for the first 12-consecutive month period that authorizing another to use Your Account, You agree to accept its terms. To get the Average Daily Balance, We take the beginning balance of Your owing; (b) any Finance Charges due on purchases and cash
   immediately follows the date Your Account is established, You will be Account each day during the billing cycle (including any unpaid purchases, FOREIGN TRANSACTIONS. For transactions initiated in foreign advances; (c) any outstanding principal balances for cash advances
   charged a $25.00 Annual Fee for Your continued participation in the CONSENSUAL LIEN. As permitted by law, You grant and consent balance transfers and cash advances first posted to Your Account during countries and foreign currencies, the exchange rate between the previously billed yet unpaid; (d) any remaining balance for cash
 Paying Interest We will not charge You interest on purchases if You pay Your entire balance owed Shop LA City Visa Platinum Plus with CURewards program. This fee is to a lien on Your deposit accounts with Us (other than those the prior billing cycle; excluding any previously billed but unpaid Finance transaction currency and the billing currency (U.S. dollars) will be: advances; (e) any outstanding principal balances for purchases
 each month within 25 days of Your statement closing date. We will begin charging required each year to continue credit availability whether or not You use deposits established under a governmental-approved tax Charges and Late Charges), add any new purchases, balance transfers (a) a rate selected by VISA from the range of rates available in previously billed yet unpaid; and then to (f) any remaining balance for
   Your Account throughout the year, except to the extent that such fee deferral plan such as an IRA or keogh Account) and any or cash advances and subtract any payments or credits (as described wholesale currency markets for the applicable central processing purchases. You understand that any delay in the repayment of Your
 interest on cash advances and balance transfers on the transaction date. will be waived during each year that purchase transactions totaling dividends due or to become due to You from Us to the extent herein). This gives Us the daily balance. We then add up all the daily date, which rate may vary from the rate VISA itself receives; or (b) unpaid balance will increase the amount You will pay in periodic
   $6,000 or more are posted to Your Account. After the first year, You will You owe on any unpaid Credit Card balance. balances for the billing cycle and divide the total by the number of days in the government-mandated rate in effect for the applicable central Finance Charges and any acceleration in the repayment of Your
   be provided with cancellation instructions with the statement on which
 For Credit Card Tips                                              the billing cycle. This gives Us the Average Daily Balance. processing date. In each instance, plus 1.00%. unpaid balance will decrease Your periodic Finance Charges. You
 To learn more about factors to consider when applying for or using a Credit the Annual Membership Fee appears. Such fee will be identified on the CREDITS. If a merchant who honors Your Card gives You credit for understand that any portion of any payment received by Us which is
 from the Federal Re- Card,  visit  the  website  of  the  Federal  Reserve  Board  at  statements that You receive. returns or adjustments, the merchant will do so by sending Us a slip You can avoid Finance Charges on purchases by paying the full amount GOVERNING LAW. This Agreement is controlled and governed by the in excess of the required minimum periodic payment will be credited
 serve Board http://www.federalreserve.gov/creditcard. which will be posted to Your Account. If Your credits and payments of the entire balance owed each month within 25 days of Your statement laws of the State of California except to the extent that such laws are first to that portion of Your unpaid principal balance which carries the
   CHANGE IN TERMS. We may change the terms of this Agreement by exceed what You owe Us, We will hold and apply this credit against closing date, provided the previous statement�s balance was paid in full. inconsistent with controlling federal law.
   mailing or delivering to You written notice of the changes as prescribed future purchases and cash advances, or if it is $1.00 or more, refund it (continued on reverse side)
 1 2             3                               4                               5                                6                               7
 THIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL TRUTH-IN-LENDING Fees on Your written request or automatically deposit it to Your Share Account Otherwise, the new balance of purchases, and subsequent purchases INTEGRATED DOCUMENTS. Any separate sheet of paper labeled
 DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR SHOP LA CITY VISA PLAT- after six months. from the date they are posted to Your Account, will be subject to a "Additional Disclosure - Federal Truth-In-Lending Act" which is delivered
 Annual Fee $25.00
 INUM PLUS WITH CUREWARDS CREDIT CARD. PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US Finance Charge. Cash advances  and balance transfers (including Visa to You and relates to this Agreement is an integrated part of this
 AT ONCE IF ANY PARTS ARE UNCLEAR. CREDIT INSURANCE. Credit insurance is not required for any extension Convenience Checks) are always subject to a Finance Charge from the Agreement and Disclosure.
 Transaction Fees of credit under this Agreement. However, You may purchase any credit date they are posted to Your Account.
    insurance available through Us and have the premiums added to the ISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue
 Interest Rate and Interest Charges � Cash Advance Either $10.00, or 2.00% of the amount advanced plus $2.50, outstanding balance of Your Account. If You elect to do so, You will be Your Account is subject to an Introductory Rate for the 6-month period You a Personal Identification Number (PIN) for use with Your Card. This
 whichever is greater [for advances at ATMs owned by Us] given the necessary disclosures and documents separately. Any credit immediately following the date that it is opened by Us. During that time PIN is confidential and should not be disclosed to anyone. You may use
 Annual Percentage insurance premiums will be charged to Your Account as a purchase. the Monthly Periodic Rate that will apply to purchases (including VISA Your PIN and Your Card to access Your Account and all sums advanced
 0.00% or7.90% Introductory APR for 6 months, depending on Either $10.00, or 2.00% of the amount advanced, whichever is
 Rate (APR) For                     Convenience Checks) and balance transfers (excluding transfers of will be added to Your Account balance. In the event a use of Your PIN
 whether You have previously had a Credit Union issued credit card. greater [for advances other than those at ATMs We own] DEFAULT. You will be in default if: (a) You do not make any payment or existing Credit Union balances) will be either 0.0000% (corresponding constitutes an Electronic Fund Transfer, the terms and conditions of Your
 Purchases perform any obligation under this Agreement, or any other agreement that ANNUAL PERCENTAGE RATE 0.00%) if You have not previously had Electronic Fund Transfer Agreement may affect Your rights.
    You may have with Us; or (b) You should die, become involved in any a Credit Union issued credit card, or 0.6583% (corresponding ANNUAL
 After that Your APR will be 9.90% - 18.00% based on Your  � Foreign Transaction 1.00% of each foreign currency transaction in U.S. dollars.
    insolvency, receivership or custodial proceeding brought by or against PERCENTAGE RATE 7.90%) if You have previously had a Credit JOINT ACCOUNTS. Each Cardholder will be responsible, jointly and
 creditworthiness. This APR will vary with the market based on the 1.00% of each U.S. Dollar transaction that occurs in a foreign country. You; or (c) You have made a false or misleading statement in Your credit Union issued credit card. severally, for the repayment of amounts owed. You understand that any
    application and/or in Your representations to Us while You owe money on Card which is requested and approved will be mailed only to the primary
 Prime Rate.
    Your Account; or (d) A judgment or tax lien should be filed against You or Upon the expiration of the Introductory Rate period, the Monthly Cardholder at the address indicated on the application. We may refuse
 Penalty Fees
    any attachment or garnishment should be issued against any of Your Periodic Rate and corresponding Annual Percentage Rate applicable to follow any instructions which run counter to this provision. 
 Annual Percentage � Late Payment Up to $25.00 after 1 day property or rights, specifically including anyone starting an action or to the portion of Your balance consisting of transactions that occur after
 0.00% or 7.90% Introductory APR for 6 months (excluding transfers of ex- proceeding to seize any of Your funds on deposit with Us; and/or (e) We the expiration of such period will increase to the non-introductory rate LATE CHARGE. If Your payment is late, You will be charged the lesser
 Rate (APR) For
 isting Credit Union credit card balances), depending on whether You have � Returned Payment Up to $25.00 should, in good faith, believe Your ability to repay Your indebtedness disclosed in this Agreement. of: (a) the amount of the minimum payment due; or (b) $25.
 Balance Transfers  hereunder is or soon will be impaired, time being of the very essence.
 previously had a Credit Union issued credit card.
                                    The Monthly Periodic Rate applicable to Your balance for Cash Advances LINE OF CREDIT LIMIT. If Your application for a Card is approved, You
 How We Will Calculate Your Balance: We use a method called "average daily balance (including If You are in default, We may, without notice or demand, and to the is 1.50% (corresponding ANNUAL PERCENTAGE RATE 18.00%). will be notified of Your specific Credit Limit for transactions made under
 After that Your APR will be 9.90% - 18.00% based on Your creditworthi-
 new purchases).� See Your Account Agreement for details. extent permitted by law, cancel Your rights under this Agreement, Your Account. Unless You are in default, the Credit Limit established
 ness. This APR will vary with the market based on the Prime Rate. declare the entire unpaid balance immediately due and payable and Following the expiration of the applicable Introductory Rate period, for You will be self-replenishing as You make payments on Your
 Loss of Introductory APR: We may end Your Introductory APR and apply the Penalty APR if You require the return of all Cards and other Account Access devices.  advances for purchases and balance transfers are subject to a Variable Account. You will keep Your unpaid balance within Your Credit Limit set
                                    Rate which is based on the highest Prime Rate as published in the by Us, and You will pay any amount over Your Credit Limit on Our
 Annual Percentage 18.00% make a late payment.  EFFECT OF AGREEMENT. Even though the sales, cash advance, Money Rates section of The Wall Street Journal in effect on the day demand whether or not We authorize the advance which caused You
 Rate (APR) For credit or other slips You may sign or receive when using the Card that any Introductory Rate period expires, and subsequently, each day to exceed Your Credit Limit. Even if Your unpaid balance is less than
 Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is contain terms, this Agreement is the contract which solely applies to all of each year thereafter ("Index") plus Our Margin. The Index plus the Your Credit Limit, You will have no credit available during any time that
 Cash Advances
 provided in Your Account Agreement.  transactions involving the Card. Margin equals the Interest Rate. Changes in the Index will cause any aspect of Your Account is in default. 
                                    changes in the Interest Rate on the day that any Introductory Rate
 Penalty APR and 18.00% In this Agreement, the reference to "We," "Us," "Our", and "Credit Union" by the Federal Truth-In-Lending Act. To the extent permitted by law, the ENFORCEMENT. We do not lose Our rights under this or any related period expires, and subsequently, each day of each year thereafter LOST OR STOLEN CARDS AND/OR VISA CONVENIENCE CHECkS.
 mean the LOS ANgELES FEDERAL CREDIT UNION. The words "You" right to change the terms of this Agreement includes, but is not limited
 When it Applies agreement if We delay enforcing them. We can accept late payments, Increases or decreases in the Interest Rate will cause like increases or To report a lost or stolen Card or Convenience Check, You will
 and "Your" mean each person who accepts this Agreement or uses the to, the right to change the periodic rate applicable to Your unpaid partial payments, or any other payments, even if they are marked �paid in decreases in the Finance Charge and will affect the number of Your immediately call Us at (800) 449-7728. You may also write to Us at the
 This APR may be applied if You: Shop LA City Visa Platinum Plus with CURewards Credit Card. "Account" balance and/or future advances. full� without losing any of Our rights under this Agreement. If any provision regularly scheduled payments. Your Interest Rate will never be greater address shown in this Agreement.
 means the Shop LA City Visa Platinum Plus with CURewards Credit Card
 1) Make a late payment. of this or any related agreement is determined to be unenforceable or than 18.00% and will apply to Your remaining principal balance.
 Account established for You. The words �Credit Card� or �Card� mean any COLLECTION COSTS. To the extent permitted by law, You will invalid, all other provisions remain in full force and effect. MINIMUM MONTHLY PAYMENT. Though You need only pay the
 Shop LA City Visa Platinum Plus with CURewards Credit Card issued to reimburse Us for all of Our costs and expenses, including reasonable For the applicable Introductory Monthly Periodic Rate (and Minimum Monthly Payments, You understand that You have the right
 How Long Will The Penalty APR Apply? If Your APRs are increased for You by Us and any duplicates and renewals. �Visa Convenience Checks� attorney fees incurred in the course of collecting any amounts owed FINANCE CHARGES. In the case of any transactions under Your corresponding Annual Percentage Rate), Margin, current non- to repay Your Account or make larger payments at any time without
 mean the special Account access devices We provide for Your use from under this Agreement or for the recovery of any collateral. Account, a Finance Charge will be imposed on all purchases, balance introductory Monthly Periodic Rate (and corresponding Annual penalty. You will only be charged periodic Finance Charges to the date
 this reason, for transactions that you make prior to the effective date of the time to time. If this is a joint account, read singular pronouns in the plural.  transfers and cash advances by the application of a monthly periodic Percentage Rate) applicable to purchases and balance transfers, You repay Your entire Account balance. Any partial payment or
 increase the Penalty Rate will apply until you make the next six consecutive CONSENT TO AGREEMENT. You acknowledge receipt of a copy of rate (and corresponding Annual Percentage Rate) to the Average Daily refer to the separate page titled �Additional Disclosure � Federal prepayment of Your Account will not delay Your next scheduled
 You understand the following terms constitute the Agreement: this Agreement and Disclosure. By signing the Application and Your
 minimum payments when due.  For transactions that you make after the Balance indicated on Your monthly billing statement.  Truth-In-Lending Act� which We have included with and made a payment. All payments to Us must be in lawful money of the United
 Credit Card, by using Your Card, by using Your Account or by part of this Agreement. States. Payments will be applied in the following order: (a) any Fees
 effective date of the increase, the Penalty Rate may be applied indefinitely. ANNUAL FEE. Except for the first 12-consecutive month period that authorizing another to use Your Account, You agree to accept its terms. To get the Average Daily Balance, We take the beginning balance of Your owing; (b) any Finance Charges due on purchases and cash
 immediately follows the date Your Account is established, You will be Account each day during the billing cycle (including any unpaid purchases, FOREIGN TRANSACTIONS. For transactions initiated in foreign advances; (c) any outstanding principal balances for cash advances
 charged a $25.00 Annual Fee for Your continued participation in the CONSENSUAL LIEN. As permitted by law, You grant and consent balance transfers and cash advances first posted to Your Account during countries and foreign currencies, the exchange rate between the previously billed yet unpaid; (d) any remaining balance for cash
 Paying Interest We will not charge You interest on purchases if You pay Your entire balance owed Shop LA City Visa Platinum Plus with CURewards program. This fee is to a lien on Your deposit accounts with Us (other than those the prior billing cycle; excluding any previously billed but unpaid Finance transaction currency and the billing currency (U.S. dollars) will be: advances; (e) any outstanding principal balances for purchases
 each month within 25 days of Your statement closing date. We will begin charging required each year to continue credit availability whether or not You use deposits established under a governmental-approved tax Charges and Late Charges), add any new purchases, balance transfers (a) a rate selected by VISA from the range of rates available in previously billed yet unpaid; and then to (f) any remaining balance for
 Your Account throughout the year, except to the extent that such fee deferral plan such as an IRA or keogh Account) and any or cash advances and subtract any payments or credits (as described wholesale currency markets for the applicable central processing purchases. You understand that any delay in the repayment of Your
 interest on cash advances and balance transfers on the transaction date. will be waived during each year that purchase transactions totaling dividends due or to become due to You from Us to the extent herein). This gives Us the daily balance. We then add up all the daily date, which rate may vary from the rate VISA itself receives; or (b) unpaid balance will increase the amount You will pay in periodic
 $6,000 or more are posted to Your Account. After the first year, You will You owe on any unpaid Credit Card balance. balances for the billing cycle and divide the total by the number of days in the government-mandated rate in effect for the applicable central Finance Charges and any acceleration in the repayment of Your
 be provided with cancellation instructions with the statement on which
 For Credit Card Tips the billing cycle. This gives Us the Average Daily Balance. processing date. In each instance, plus 1.00%. unpaid balance will decrease Your periodic Finance Charges. You
 To learn more about factors to consider when applying for or using a Credit the Annual Membership Fee appears. Such fee will be identified on the CREDITS. If a merchant who honors Your Card gives You credit for understand that any portion of any payment received by Us which is
 from the Federal Re- Card,  visit  the  website  of  the  Federal  Reserve  Board  at  statements that You receive. returns or adjustments, the merchant will do so by sending Us a slip You can avoid Finance Charges on purchases by paying the full amount GOVERNING LAW. This Agreement is controlled and governed by the in excess of the required minimum periodic payment will be credited
 serve Board http://www.federalreserve.gov/creditcard. which will be posted to Your Account. If Your credits and payments of the entire balance owed each month within 25 days of Your statement laws of the State of California except to the extent that such laws are first to that portion of Your unpaid principal balance which carries the
 CHANGE IN TERMS. We may change the terms of this Agreement by exceed what You owe Us, We will hold and apply this credit against closing date, provided the previous statement�s balance was paid in full. inconsistent with controlling federal law.
 mailing or delivering to You written notice of the changes as prescribed future purchases and cash advances, or if it is $1.00 or more, refund it (continued on reverse side)
 1 2 3 4          5                               6                               7
 THIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL TRUTH-IN-LENDING Fees on Your written request or automatically deposit it to Your Share Account Otherwise, the new balance of purchases, and subsequent purchases INTEGRATED DOCUMENTS. Any separate sheet of paper labeled
 DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR SHOP LA CITY VISA PLAT- after six months. from the date they are posted to Your Account, will be subject to a "Additional Disclosure - Federal Truth-In-Lending Act" which is delivered
 Annual Fee $25.00
 INUM PLUS WITH CUREWARDS CREDIT CARD. PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US Finance Charge. Cash advances  and balance transfers (including Visa to You and relates to this Agreement is an integrated part of this
 AT ONCE IF ANY PARTS ARE UNCLEAR. CREDIT INSURANCE. Credit insurance is not required for any extension Convenience Checks) are always subject to a Finance Charge from the Agreement and Disclosure.
 Transaction Fees of credit under this Agreement. However, You may purchase any credit date they are posted to Your Account.
 insurance available through Us and have the premiums added to the ISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue
 Interest Rate and Interest Charges � Cash Advance Either $10.00, or 2.00% of the amount advanced plus $2.50, outstanding balance of Your Account. If You elect to do so, You will be Your Account is subject to an Introductory Rate for the 6-month period You a Personal Identification Number (PIN) for use with Your Card. This
 whichever is greater [for advances at ATMs owned by Us] given the necessary disclosures and documents separately. Any credit immediately following the date that it is opened by Us. During that time PIN is confidential and should not be disclosed to anyone. You may use
 Annual Percentage insurance premiums will be charged to Your Account as a purchase. the Monthly Periodic Rate that will apply to purchases (including VISA Your PIN and Your Card to access Your Account and all sums advanced
 0.00% or7.90% Introductory APR for 6 months, depending on Either $10.00, or 2.00% of the amount advanced, whichever is
 Rate (APR) For Convenience Checks) and balance transfers (excluding transfers of will be added to Your Account balance. In the event a use of Your PIN
 whether You have previously had a Credit Union issued credit card. greater [for advances other than those at ATMs We own] DEFAULT. You will be in default if: (a) You do not make any payment or existing Credit Union balances) will be either 0.0000% (corresponding constitutes an Electronic Fund Transfer, the terms and conditions of Your
 Purchases perform any obligation under this Agreement, or any other agreement that ANNUAL PERCENTAGE RATE 0.00%) if You have not previously had Electronic Fund Transfer Agreement may affect Your rights.
 You may have with Us; or (b) You should die, become involved in any a Credit Union issued credit card, or 0.6583% (corresponding ANNUAL
 After that Your APR will be 9.90% - 18.00% based on Your  � Foreign Transaction 1.00% of each foreign currency transaction in U.S. dollars.
 insolvency, receivership or custodial proceeding brought by or against PERCENTAGE RATE 7.90%) if You have previously had a Credit JOINT ACCOUNTS. Each Cardholder will be responsible, jointly and
 creditworthiness. This APR will vary with the market based on the 1.00% of each U.S. Dollar transaction that occurs in a foreign country. You; or (c) You have made a false or misleading statement in Your credit Union issued credit card. severally, for the repayment of amounts owed. You understand that any
 application and/or in Your representations to Us while You owe money on Card which is requested and approved will be mailed only to the primary
 Prime Rate.
 Your Account; or (d) A judgment or tax lien should be filed against You or Upon the expiration of the Introductory Rate period, the Monthly Cardholder at the address indicated on the application. We may refuse
 Penalty Fees
 any attachment or garnishment should be issued against any of Your Periodic Rate and corresponding Annual Percentage Rate applicable to follow any instructions which run counter to this provision. 
 Annual Percentage � Late Payment Up to $25.00 after 1 day property or rights, specifically including anyone starting an action or to the portion of Your balance consisting of transactions that occur after
 0.00% or 7.90% Introductory APR for 6 months (excluding transfers of ex- proceeding to seize any of Your funds on deposit with Us; and/or (e) We the expiration of such period will increase to the non-introductory rate LATE CHARGE. If Your payment is late, You will be charged the lesser
 Rate (APR) For
 isting Credit Union credit card balances), depending on whether You have � Returned Payment Up to $25.00 should, in good faith, believe Your ability to repay Your indebtedness disclosed in this Agreement. of: (a) the amount of the minimum payment due; or (b) $25.
 Balance Transfers  hereunder is or soon will be impaired, time being of the very essence.
 previously had a Credit Union issued credit card.
 The Monthly Periodic Rate applicable to Your balance for Cash Advances LINE OF CREDIT LIMIT. If Your application for a Card is approved, You
 How We Will Calculate Your Balance: We use a method called "average daily balance (including If You are in default, We may, without notice or demand, and to the is 1.50% (corresponding ANNUAL PERCENTAGE RATE 18.00%). will be notified of Your specific Credit Limit for transactions made under
 After that Your APR will be 9.90% - 18.00% based on Your creditworthi-
 new purchases).� See Your Account Agreement for details. extent permitted by law, cancel Your rights under this Agreement, Your Account. Unless You are in default, the Credit Limit established
 ness. This APR will vary with the market based on the Prime Rate. declare the entire unpaid balance immediately due and payable and Following the expiration of the applicable Introductory Rate period, for You will be self-replenishing as You make payments on Your
 Loss of Introductory APR: We may end Your Introductory APR and apply the Penalty APR if You require the return of all Cards and other Account Access devices.  advances for purchases and balance transfers are subject to a Variable Account. You will keep Your unpaid balance within Your Credit Limit set
 Rate which is based on the highest Prime Rate as published in the by Us, and You will pay any amount over Your Credit Limit on Our
 Annual Percentage 18.00% make a late payment.  EFFECT OF AGREEMENT. Even though the sales, cash advance, Money Rates section of The Wall Street Journal in effect on the day demand whether or not We authorize the advance which caused You
 Rate (APR) For credit or other slips You may sign or receive when using the Card that any Introductory Rate period expires, and subsequently, each day to exceed Your Credit Limit. Even if Your unpaid balance is less than
 Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is contain terms, this Agreement is the contract which solely applies to all of each year thereafter ("Index") plus Our Margin. The Index plus the Your Credit Limit, You will have no credit available during any time that
 Cash Advances
 provided in Your Account Agreement.  transactions involving the Card. Margin equals the Interest Rate. Changes in the Index will cause any aspect of Your Account is in default. 
 changes in the Interest Rate on the day that any Introductory Rate
 Penalty APR and 18.00% In this Agreement, the reference to "We," "Us," "Our", and "Credit Union" by the Federal Truth-In-Lending Act. To the extent permitted by law, the ENFORCEMENT. We do not lose Our rights under this or any related period expires, and subsequently, each day of each year thereafter LOST OR STOLEN CARDS AND/OR VISA CONVENIENCE CHECkS.
 mean the LOS ANgELES FEDERAL CREDIT UNION. The words "You" right to change the terms of this Agreement includes, but is not limited
 When it Applies agreement if We delay enforcing them. We can accept late payments, Increases or decreases in the Interest Rate will cause like increases or To report a lost or stolen Card or Convenience Check, You will
 and "Your" mean each person who accepts this Agreement or uses the to, the right to change the periodic rate applicable to Your unpaid partial payments, or any other payments, even if they are marked �paid in decreases in the Finance Charge and will affect the number of Your immediately call Us at (800) 449-7728. You may also write to Us at the
 This APR may be applied if You: Shop LA City Visa Platinum Plus with CURewards Credit Card. "Account" balance and/or future advances. full� without losing any of Our rights under this Agreement. If any provision regularly scheduled payments. Your Interest Rate will never be greater address shown in this Agreement.
 means the Shop LA City Visa Platinum Plus with CURewards Credit Card
 1) Make a late payment. of this or any related agreement is determined to be unenforceable or than 18.00% and will apply to Your remaining principal balance.
 Account established for You. The words �Credit Card� or �Card� mean any COLLECTION COSTS. To the extent permitted by law, You will invalid, all other provisions remain in full force and effect. MINIMUM MONTHLY PAYMENT. Though You need only pay the
 Shop LA City Visa Platinum Plus with CURewards Credit Card issued to reimburse Us for all of Our costs and expenses, including reasonable For the applicable Introductory Monthly Periodic Rate (and Minimum Monthly Payments, You understand that You have the right
 How Long Will The Penalty APR Apply? If Your APRs are increased for You by Us and any duplicates and renewals. �Visa Convenience Checks� attorney fees incurred in the course of collecting any amounts owed FINANCE CHARGES. In the case of any transactions under Your corresponding Annual Percentage Rate), Margin, current non- to repay Your Account or make larger payments at any time without
 mean the special Account access devices We provide for Your use from under this Agreement or for the recovery of any collateral. Account, a Finance Charge will be imposed on all purchases, balance introductory Monthly Periodic Rate (and corresponding Annual penalty. You will only be charged periodic Finance Charges to the date
 this reason, for transactions that you make prior to the effective date of the time to time. If this is a joint account, read singular pronouns in the plural.  transfers and cash advances by the application of a monthly periodic Percentage Rate) applicable to purchases and balance transfers, You repay Your entire Account balance. Any partial payment or
 increase the Penalty Rate will apply until you make the next six consecutive CONSENT TO AGREEMENT. You acknowledge receipt of a copy of rate (and corresponding Annual Percentage Rate) to the Average Daily refer to the separate page titled �Additional Disclosure � Federal prepayment of Your Account will not delay Your next scheduled
 You understand the following terms constitute the Agreement: this Agreement and Disclosure. By signing the Application and Your
 minimum payments when due.  For transactions that you make after the Balance indicated on Your monthly billing statement.  Truth-In-Lending Act� which We have included with and made a payment. All payments to Us must be in lawful money of the United
 Credit Card, by using Your Card, by using Your Account or by part of this Agreement. States. Payments will be applied in the following order: (a) any Fees
 effective date of the increase, the Penalty Rate may be applied indefinitely. ANNUAL FEE. Except for the first 12-consecutive month period that authorizing another to use Your Account, You agree to accept its terms. To get the Average Daily Balance, We take the beginning balance of Your owing; (b) any Finance Charges due on purchases and cash
 immediately follows the date Your Account is established, You will be Account each day during the billing cycle (including any unpaid purchases, FOREIGN TRANSACTIONS. For transactions initiated in foreign advances; (c) any outstanding principal balances for cash advances
 charged a $25.00 Annual Fee for Your continued participation in the CONSENSUAL LIEN. As permitted by law, You grant and consent balance transfers and cash advances first posted to Your Account during countries and foreign currencies, the exchange rate between the previously billed yet unpaid; (d) any remaining balance for cash
 Paying Interest We will not charge You interest on purchases if You pay Your entire balance owed Shop LA City Visa Platinum Plus with CURewards program. This fee is to a lien on Your deposit accounts with Us (other than those the prior billing cycle; excluding any previously billed but unpaid Finance transaction currency and the billing currency (U.S. dollars) will be: advances; (e) any outstanding principal balances for purchases
 each month within 25 days of Your statement closing date. We will begin charging required each year to continue credit availability whether or not You use deposits established under a governmental-approved tax Charges and Late Charges), add any new purchases, balance transfers (a) a rate selected by VISA from the range of rates available in previously billed yet unpaid; and then to (f) any remaining balance for
 Your Account throughout the year, except to the extent that such fee deferral plan such as an IRA or keogh Account) and any or cash advances and subtract any payments or credits (as described wholesale currency markets for the applicable central processing purchases. You understand that any delay in the repayment of Your
 interest on cash advances and balance transfers on the transaction date. will be waived during each year that purchase transactions totaling dividends due or to become due to You from Us to the extent herein). This gives Us the daily balance. We then add up all the daily date, which rate may vary from the rate VISA itself receives; or (b) unpaid balance will increase the amount You will pay in periodic
 $6,000 or more are posted to Your Account. After the first year, You will You owe on any unpaid Credit Card balance. balances for the billing cycle and divide the total by the number of days in the government-mandated rate in effect for the applicable central Finance Charges and any acceleration in the repayment of Your
 be provided with cancellation instructions with the statement on which
 For Credit Card Tips the billing cycle. This gives Us the Average Daily Balance. processing date. In each instance, plus 1.00%. unpaid balance will decrease Your periodic Finance Charges. You
 To learn more about factors to consider when applying for or using a Credit the Annual Membership Fee appears. Such fee will be identified on the CREDITS. If a merchant who honors Your Card gives You credit for understand that any portion of any payment received by Us which is
 from the Federal Re- Card,  visit  the  website  of  the  Federal  Reserve  Board  at  statements that You receive. returns or adjustments, the merchant will do so by sending Us a slip You can avoid Finance Charges on purchases by paying the full amount GOVERNING LAW. This Agreement is controlled and governed by the in excess of the required minimum periodic payment will be credited
 serve Board http://www.federalreserve.gov/creditcard. which will be posted to Your Account. If Your credits and payments of the entire balance owed each month within 25 days of Your statement laws of the State of California except to the extent that such laws are first to that portion of Your unpaid principal balance which carries the
 CHANGE IN TERMS. We may change the terms of this Agreement by exceed what You owe Us, We will hold and apply this credit against closing date, provided the previous statement�s balance was paid in full. inconsistent with controlling federal law.
 mailing or delivering to You written notice of the changes as prescribed future purchases and cash advances, or if it is $1.00 or more, refund it (continued on reverse side)
 1 2 3 4 5 6   7
  highest Annual Percentage Rate,  then to that portion of Your unpaid Agreement. In any event, You hold Us harmless for any and all liability any case, remain liable to pay any unpaid balances according to the What To Do If You Find A Mistake On Your Statement between Us. If We do not follow all of the rules above, You do not � For loans over $10,000: lower the rate one-quarter percent
  principal balance which carries the next highest Annual Percentage which might otherwise arise if the transfer does not occur. Your terms of this Agreement.  have to pay the first $50 of the amount You question even if Your (0.25%) if you cash out 5,000 points, or lower it one-half percent
  Rate, and so on, until the payment is depleted. Overdraft Protection automatically ceases if this Agreement is ever If You think there is an error on Your statement, write to Us at Our bill is correct. (0.50%) for 10,000 points.
                                  cancelled or terminated or Your Account is in default.  TRANSACTION SLIPS. Your periodic statement will identify the address shown in this Agreement. In Your letter, give us the
  Minimum Monthly Payments will be an amount equal to 3.00% of Your merchant, electronic terminal or financial institution at which transactions following information: Your Rights If You Are Dissatisfied With Your POINTS EARNED. Three (3) CURewards points will be earned for
  unpaid Visa Account balance at the end of each billing cycle, subject OWNERSHIP. Your Card remains Our property and may be cancelled were made, but sales, cash advances, credit or other slips will not be Credit Card Purchases each dollar charged with the card at a merchant located in the city of
  to the lesser of $25 or Your Account balance. In addition to the by Us at any time without notice. You agree to surrender Your Card and returned with the statement. You will retain the copy of such slips furnished � Account information: Your name and Account number. Los Angeles, California � inclusive of the following named areas
  Minimum Monthly Payment, You will also be required to pay any prior to discontinue its use immediately upon Our request. at the time of the transaction in order to verify Your monthly statement.  � Dollar amount: The dollar amount of the suspected error. If You are dissatisfied with the goods or services that You have which are considered to be part of Los Angeles* ("Triple
  payments due which remain unpaid and any amounts which exceed                                    � Description of problem: If You think there is an error on Your  purchased with Your Credit Card, and You have tried in good faith CURewards"). For an updated list of cities that qualify for Triple
  Your credit limit.              PENALTY RATE. If Your payment is past due during any two UNAUTHORIZED USE. You may be liable for the unauthorized use of bill,  describe what You believe is wrong and why You believe to correct the problem with the merchant, You may have the right CURewards and other details concerning the CURewards program, Shop LA City
                                  consecutive billing cycles (but not more than 60 days past due), subject Your Card. You will not be liable for the unauthorized use that occurs it is a mistake. not to pay the remaining amount due on the purchase. To use this visit the �Shop LA City Visa Card� web page located on Our website
                                                                                                                                                                                                          �
  Payments received before 2:30 p.m. on a business day that We are to applicable law, the Monthly Periodic Rate applicable to future after You notify Us orally and in writing at the address or telephone right, all of the following must be true: at www.LAFCU.org. Points will not be earned on advances made by Visa Platinum Plus
  open will be credited to Your Account that day. Payments received after transactions will increase to 1.5000% (corresponding ANNUAL number shown in this Agreement, of the loss, theft, or possible You must contact Us: cash advance or Convenience Check.
  2:30 p.m. will be credited to Your Account the next business day. PERCENTAGE RATE 18.00%). unauthorized use. In any case, Your liability will not exceed $50. 1) The purchase must have been made in Your home state or
                                                                                                   � Within 60 days after the error appeared on Your statement. within 100 miles of Your current mailing address, and the *Arleta, Arlington Heights, Atwater Village, Baldwin Hills, Bel Air, with CURewards
  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if If Your payment is more than 60 days past due, subject to applicable UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will � At least 3 business days before an automated payment is  purchase price must have been more than $50. (Note: Beverly  glen,  Beverly  Crest,  Beverlywood,  Boyle  Heights,
  You move or otherwise have a change of address.  law, the Monthly Periodic Rate applicable to Your entire balance of provide facts to update personal information or other financial scheduled, if You want to stop payment on the amount You Neither of these are necessary if Your purchase was based Brentwood, Cahuega Pass, Canoga Park, Century City, Chatsworth,
                                  transactions existing at that time will also increase to 1.5000% information related to You, at Our request. You also agree that We may, think is wrong. on an advertisement We mailed to You, or if We own the Cheviot Hills, Chinatown, Crenshaw, Crestview, Cypress Park, Del
  OTHER FEES AND CHARGES. You agree to pay Us the following fees (corresponding ANNUAL PERCENTAGE RATE 18.00%). During the from time to time, as We deem necessary, make inquiries pertaining company that sold You the goods or services.) Rey, Downtown Los Angeles, Eagle Rock, East Hollywood, East Los
  and charges associated with the use of Your Card: (a) Except for Premier six-month period following the effective date of such increase, upon to Your employment, credit standing and financial responsibility in You must notify Us of any potential errors in writing. You may call Angeles, Echo Park, El Sereno, Elysian Park, Elysian Valley, Encino,
                                                                                                                                                                                                      VARIABLE-RATE CREDIT CARD
  and Premier 55 Cardholders, $15 for each replacement Card that You receipt of the first six consecutive required minimum periodic payments accordance with applicable laws and regulations. You further agree Us, but if You do We are not required to investigate any potential 2) You must have used Your Credit Card for the purchase. Fairfax, glassell Park, granada Hills, greater Mid-Wilshire, griffith
  request (Value and Imperial accountholders are eligible to receive one when due, the rate applicable to the balance of transactions that that We may give information about the status and payment history of errors and You may have to pay the amount in question. Purchases made with cash advances from an ATM or with a Park, Hancock Park, Harbor City, Harbor gateway, Harvard Heights, AGREEMENT AND DISCLOSURE
  free replacement Card per 12-month period); (b) to the extent permitted occurred prior to such increase will be returned to the standard rate that Your Account to consumer credit reporting agencies, a prospective check that accesses Your Credit Card account do not qualify. Highland Park, Hollywood, Hyde Park, Jefferson Park, Koreatown,
  by law, a returned check (or other negotiable instrument) charge or would have otherwise been in effect. employer or insurer, or a state or federal licensing agency having any What Will Happen After We Receive Your Letter Los Angeles International Airport, La Tuna Canyon, Ladera Heights,
  declined Automated Clearing House (ACH) payment charge, as      apparent legitimate business need for such information.           3) You must not yet have fully paid for the purchase.  Lake Balboa, Lakeview Terrace, Leimert Park, Lincoln Heights, Los
  applicable, equal to the lesser of $25 or the amount of the required At Our discretion, We may reduce any Penalty Rate applicable to Your When We receive Your letter, We must do two things: Angeles, Los Feliz, Mar Vista, Mid-City, Mission Hills, Montecito
  minimum payment due, for each item that is returned for non-payment; Account without giving up any of Our rights set forth in this provision or USE OF YOUR CARD. You may use Your Card to buy goods and If all of the criteria above are met and You are still dissatisfied Heights, Mt. Washington, North Hills, North Hollywood, Northridge,
  (c) $25 for express replacement of a Card; (d) $26 for each stop payment in any other provision of Your Agreement with Us. services in any place that it is honored and to get cash advances from 1) Within 30 days of receiving Your letter, We must tell You that with the purchase, contact Us in writing at Our address shown in Pacific Palisades, Pacoima, Palms, Panorama City, Pico Union,
  that You request for Visa Convenience Checks; (e) $5 for each merchant Us or another financial institution, except to the extent that You agree We received Your letter. We will also tell You if We have  this Agreement.  Playa del Rey, Playa Vista, Porter Ranch, Rancho Park, Reseda,
  draft copy that You request that is unrelated to a valid billing error dispute; PERIODIC STATEMENT. On a regular basis, You will receive a not to use Your Card in any country that We or the United States already corrected the error. San Pedro, Sawtelle, Sepulveda, Shadow Hills, Sherman Oaks,
  (f) for cash advances obtained at ATMs owned and operated by Us, You statement showing all transactions on Your Account including amounts government may from time to time designate. If You are issued a cash 2) Within 90 days of receiving Your letter, We must either correct While We investigate, the same rules apply to the disputed amount Silver Lake, South Carthay, South Central Los Angeles, South
  will be charged a cash advance fee FINANCE?CHARGE equal to the paid and borrowed since Your last statement. We will mail You a advance draft, it will be imprinted with Your Card number.  the error or explain to You why We believe the bill is correct. as discussed above. After We finish Our investigation, We will tell Robertson, Southeast Los Angeles, Studio City, Sun Valley, Sunland,
  greater of $10, or 2.00% of the amount advanced plus $2.50 for each statement each billing cycle in which there is a debit or credit balance You Our decision. At that point, if We think You owe an amount and Sylmar, Tarzana, Terminal Island, Toluca Lake, Tujunga, USC, Valley
                                                                                                                                   You do not pay, We may report You as delinquent.
  such advance; and (g) for all cash advances (other than those obtained or when a Finance Charge is imposed. We need not send You a You agree not to use Your Card for illegal transactions, whether or not While We investigate whether or not there has been an error: glen, Valley Village, Van Nuys, Venice, Watts, West Adams, West
  at an ATM owned and operated by Us), You will be charged a cash statement if We feel Your Account is uncollectible or if We have started such transaction is transmitted electronically, involves the use of the Hills, West Los Angeles, Westchester, Westlake, Westwood,
                                                                                                                                             CURewards Points
  advance fee FINANCE?CHARGE equal to the greater of $10, or 2.00% collection proceedings against You because You defaulted. Each internet or is otherwise made in person. Illegal or unlawful transactions � We cannot try to collect the amount in question, or report You Wilmington, Wilshire Center, Winnetka, Woodland Hills.
  of the amount advanced.         statement is deemed to be a correct statement of account unless You include, but are not limited to, advances made for the purpose of as delinquent on that amount.
                                                                                                                                   EXPIRATION. Points will accrue during each three (3) calendar year
                                  establish a billing error pursuant to the Federal Truth-In-Lending Act. gambling and/or wagering, where such bet or wager is unlawful under � The charge in question may remain on Your statement, and One (1) point will be earned for each dollar charged with the card at
                                                                                                                                   period, and will expire on a first-in first-out basis annually. This
  OTHER SECURITY. Collateral (other than household goods or any   any applicable federal or state law in the State or Tribal lands in which We may continue to charge You interest on that amount. a merchant located outside of the city Los Angeles, California or
                                                                                                                                   means points earned in calendar year one (but not yet redeemed)
  dwelling) given as security under any other loan You may have with Us PROMISE TO PAY. Your Account may be accessible through a variety the bet or wager is initiated, received, or otherwise made. You further � While You do not have to pay the amount in question, You are  outside of those areas set forth above. Points will not be earned on
                                                                                                                                   will expire as of the last business day of calendar year three. For
  will secure all amounts You owe Us now and in the future if that status of means which could include advance request forms, vouchers, agree and understand that any such illegal or unlawful transaction may responsible for the remainder of Your balance. advances made by cash advance or Convenience Check.
                                                                                                                                   example, points earned anytime during the year of 2011 (year one)
  is reflected in the "Truth-in-Lending Disclosure" in any particular checks, charge slips, credit cards, Visa Convenience Checks and the be blocked, declined or otherwise reversed. � We can apply any unpaid amount against Your Credit Limit.
                                                                                                                                   will expire on December 31, 2013.
  Agreement evidencing such debt.      like. Regardless of the access means, You promise to pay Us all                                                             Triple CURewards points are earned when the merchant city name
                                  amounts charged to Your Account by You or by any user who has VISA CONVENIENCE CHECk RATE. If Your Account is subject to a After We finish Our investigation, one of two things will happen: listed in the Credit Union's credit card record is �Los Angeles� or any
                                                                                                                                   MAXIMUM. The maximum points that may be earned each month
  OUR RESPONSIBILITIES TO HONOR VISA CONVENIENCE access to Your Account, with actual, apparent or implied authority for promotional rate for Visa Convenience Check transactions, the Monthly of the other named areas set forth in this section. Should You have
                                                                                                                                   is 15,000, whereas the maximum that may be earned each year
  CHECkS. We are under no obligation to honor Your Visa Convenience use of Your Account, including Finance Charges and other fees or Periodic Rate applicable to such transactions will be either 0.0000% � If We made a mistake: You will not have to pay the amount in  any questions concerning the rate at which You were awarded
                                                                                                                                   is 75,000.
  Checks if: (1) by paying a Visa Convenience Check, You would exceed charges described herein. (corresponding ANNUAL PERCENTAGE RATE 0.00%) if You have not question or any interest or other fees related to that amount. points, You must contact Us in writing within sixty (60) days of the
  Your Credit Limit; (2) Your Cards or Visa Convenience Checks have previously had a Credit Union issued credit card, or 0.6583% � If We do not believe there was a mistake: You will have to  transaction date.
                                                                                                                                   REDEMPTION. Points may be redeemed for merchandise, travel or
  been reported lost or stolen; (3) Your Account has been cancelled or REFUSAL TO HONOR CARDS OR VISA CONVENIENCE CHECkS. (corresponding ANNUAL PERCENTAGE RATE 7.90%) if You have pay the amount in question, along with applicable interest 
                                                                                                                                   to get discounts on Credit Union closed-end consumer loan rates
  has expired. If a postdated Convenience Check is paid and, as a Visa Convenience Checks must be at least equal to $100 and cannot previously had a Credit Union issued credit card. Upon the expiration of and fees. We will send You a statement of the amount You  (including boats, cars, motorcycles, personal computers, RVs, P. O. Box 53032
  result, any other Convenience Check is returned unpaid, We are not exceed  the lesser of Your approved Credit Limit or $30,000, and We any such promotional rate period, the Monthly Periodic Rate and owe and the date payment is due. We may then report You trucks, "Personaline" lines of credit and Signature loans). Visit Los Angeles, CA 90053-0032
  responsible for any resulting loss or liability. may refuse to honor any non-conforming convenience check. We are corresponding Annual Percentage Rate applicable to the portion of Your as delinquent if You do not pay the amount We think You owe. www.curewards.com or call (800) 900-6160 for travel and
                                  not liable for the refusal or inability of merchants, financial institutions balance consisting of transactions that occur after the expiration of such and backed by the full faith and credit of the United States Government and backed by the full faith and credit of the United States Government Your savings federally insured to at least $250,000 Your savings federally insured to at least $250,000
                                                                                                                                   merchandise redemption information. Credit Union consumer loan           (877) MY LAFCU (695-2328)
  OVERDRAFT PROTECTION. If the Overdraft Protections feature of and others to accept the Cards or Visa Convenience Checks, or period will increase to the non-promotional rate disclosed in this Agreement. If You receive Our explanation but still believe Your bill is wrong, You interest rates can be reduced (restrictions apply) by cashing out FAX (818) 242-5812
  Your Account has been activated, We may transfer funds in multiples electronic terminals to honor the Cards or complete a Card withdrawal, must write to Us within 10 days telling Us that You still refuse to pay. earned points, as follows: NCUA NCUA
  necessary (or in such increments as We may from time to time or for their retention of the Cards or Visa Convenience Checks. Your Billing Rights: keep this Document for Future Use If You do so, We cannot report You as delinquent without also National Credit Union Administration, a U.S. Government Agency e-Mail:   consumerloans@lafcu.org
  determine) to clear any overdraft on Your checking (Share Draft)                                 reporting that You are questioning Your bill. We must tell You the � For loans up to $10,000: lower the rate one-quarter percent Website:   www.lafcu.org
  account by an advance on Your Account subject to this provision. TERMINATION. Subject to applicable law, either You or We may cancel This notice tells You about Your rights and Our responsibilities under name of anyone to whom we reported You as delinquent, and We (0.25%) if you cash-out 2,500 points, or lower it one-half percent Copyright Oak Tree Business Systems Inc, 2011.
  Whether or not such a transfer occurs will be controlled by this Your Account at any time whether or not You are in default. You will, in the Fair Credit Billing Act. must let those organizations know when the matter has been settled (0.50%) for 5,000 points. All Rights Reserved.   OTBS 016 VISA - Variable?LAFD (6/11)
                                                                                                                                                                                                                       M-103720
                8                               9                               10                               11                              12                              13
 highest Annual Percentage Rate,  then to that portion of Your unpaid Agreement. In any event, You hold Us harmless for any and all liability any case, remain liable to pay any unpaid balances according to the What To Do If You Find A Mistake On Your Statement between Us. If We do not follow all of the rules above, You do not � For loans over $10,000: lower the rate one-quarter percent
 principal balance which carries the next highest Annual Percentage which might otherwise arise if the transfer does not occur. Your terms of this Agreement.  have to pay the first $50 of the amount You question even if Your (0.25%) if you cash out 5,000 points, or lower it one-half percent
 Rate, and so on, until the payment is depleted. Overdraft Protection automatically ceases if this Agreement is ever If You think there is an error on Your statement, write to Us at Our bill is correct. (0.50%) for 10,000 points.
 cancelled or terminated or Your Account is in default.  TRANSACTION SLIPS. Your periodic statement will identify the address shown in this Agreement. In Your letter, give us the
 Minimum Monthly Payments will be an amount equal to 3.00% of Your merchant, electronic terminal or financial institution at which transactions following information: Your Rights If You Are Dissatisfied With Your POINTS EARNED. Three (3) CURewards points will be earned for
 unpaid Visa Account balance at the end of each billing cycle, subject OWNERSHIP. Your Card remains Our property and may be cancelled were made, but sales, cash advances, credit or other slips will not be Credit Card Purchases each dollar charged with the card at a merchant located in the city of
 to the lesser of $25 or Your Account balance. In addition to the by Us at any time without notice. You agree to surrender Your Card and returned with the statement. You will retain the copy of such slips furnished � Account information: Your name and Account number. Los Angeles, California � inclusive of the following named areas
 Minimum Monthly Payment, You will also be required to pay any prior to discontinue its use immediately upon Our request. at the time of the transaction in order to verify Your monthly statement.  � Dollar amount: The dollar amount of the suspected error. If You are dissatisfied with the goods or services that You have which are considered to be part of Los Angeles* ("Triple
 payments due which remain unpaid and any amounts which exceed � Description of problem: If You think there is an error on Your  purchased with Your Credit Card, and You have tried in good faith CURewards"). For an updated list of cities that qualify for Triple
 Your credit limit. PENALTY RATE. If Your payment is past due during any two UNAUTHORIZED USE. You may be liable for the unauthorized use of bill,  describe what You believe is wrong and why You believe to correct the problem with the merchant, You may have the right CURewards and other details concerning the CURewards program, Shop LA City
 consecutive billing cycles (but not more than 60 days past due), subject Your Card. You will not be liable for the unauthorized use that occurs it is a mistake. not to pay the remaining amount due on the purchase. To use this visit the �Shop LA City Visa Card� web page located on Our website
                                                                                                                                         �
 Payments received before 2:30 p.m. on a business day that We are to applicable law, the Monthly Periodic Rate applicable to future after You notify Us orally and in writing at the address or telephone right, all of the following must be true: at www.LAFCU.org. Points will not be earned on advances made by Visa Platinum Plus
 open will be credited to Your Account that day. Payments received after transactions will increase to 1.5000% (corresponding ANNUAL number shown in this Agreement, of the loss, theft, or possible You must contact Us: cash advance or Convenience Check.
 2:30 p.m. will be credited to Your Account the next business day. PERCENTAGE RATE 18.00%). unauthorized use. In any case, Your liability will not exceed $50. 1) The purchase must have been made in Your home state or
                                  � Within 60 days after the error appeared on Your statement. within 100 miles of Your current mailing address, and the *Arleta, Arlington Heights, Atwater Village, Baldwin Hills, Bel Air, with CURewards
 NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if If Your payment is more than 60 days past due, subject to applicable UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will � At least 3 business days before an automated payment is  purchase price must have been more than $50. (Note: Beverly  glen,  Beverly  Crest,  Beverlywood,  Boyle  Heights,
 You move or otherwise have a change of address.  law, the Monthly Periodic Rate applicable to Your entire balance of provide facts to update personal information or other financial scheduled, if You want to stop payment on the amount You Neither of these are necessary if Your purchase was based Brentwood, Cahuega Pass, Canoga Park, Century City, Chatsworth,
 transactions existing at that time will also increase to 1.5000% information related to You, at Our request. You also agree that We may, think is wrong. on an advertisement We mailed to You, or if We own the Cheviot Hills, Chinatown, Crenshaw, Crestview, Cypress Park, Del
 OTHER FEES AND CHARGES. You agree to pay Us the following fees (corresponding ANNUAL PERCENTAGE RATE 18.00%). During the from time to time, as We deem necessary, make inquiries pertaining company that sold You the goods or services.) Rey, Downtown Los Angeles, Eagle Rock, East Hollywood, East Los
 and charges associated with the use of Your Card: (a) Except for Premier six-month period following the effective date of such increase, upon to Your employment, credit standing and financial responsibility in You must notify Us of any potential errors in writing. You may call Angeles, Echo Park, El Sereno, Elysian Park, Elysian Valley, Encino,
                                                                                                                                     VARIABLE-RATE CREDIT CARD
 and Premier 55 Cardholders, $15 for each replacement Card that You receipt of the first six consecutive required minimum periodic payments accordance with applicable laws and regulations. You further agree Us, but if You do We are not required to investigate any potential 2) You must have used Your Credit Card for the purchase. Fairfax, glassell Park, granada Hills, greater Mid-Wilshire, griffith
 request (Value and Imperial accountholders are eligible to receive one when due, the rate applicable to the balance of transactions that that We may give information about the status and payment history of errors and You may have to pay the amount in question. Purchases made with cash advances from an ATM or with a Park, Hancock Park, Harbor City, Harbor gateway, Harvard Heights, AGREEMENT AND DISCLOSURE
 free replacement Card per 12-month period); (b) to the extent permitted occurred prior to such increase will be returned to the standard rate that Your Account to consumer credit reporting agencies, a prospective check that accesses Your Credit Card account do not qualify. Highland Park, Hollywood, Hyde Park, Jefferson Park, Koreatown,
 by law, a returned check (or other negotiable instrument) charge or would have otherwise been in effect. employer or insurer, or a state or federal licensing agency having any What Will Happen After We Receive Your Letter Los Angeles International Airport, La Tuna Canyon, Ladera Heights,
 declined Automated Clearing House (ACH) payment charge, as apparent legitimate business need for such information. 3) You must not yet have fully paid for the purchase.  Lake Balboa, Lakeview Terrace, Leimert Park, Lincoln Heights, Los
 applicable, equal to the lesser of $25 or the amount of the required At Our discretion, We may reduce any Penalty Rate applicable to Your When We receive Your letter, We must do two things: Angeles, Los Feliz, Mar Vista, Mid-City, Mission Hills, Montecito
 minimum payment due, for each item that is returned for non-payment; Account without giving up any of Our rights set forth in this provision or USE OF YOUR CARD. You may use Your Card to buy goods and If all of the criteria above are met and You are still dissatisfied Heights, Mt. Washington, North Hills, North Hollywood, Northridge,
 (c) $25 for express replacement of a Card; (d) $26 for each stop payment in any other provision of Your Agreement with Us. services in any place that it is honored and to get cash advances from 1) Within 30 days of receiving Your letter, We must tell You that with the purchase, contact Us in writing at Our address shown in Pacific Palisades, Pacoima, Palms, Panorama City, Pico Union,
 that You request for Visa Convenience Checks; (e) $5 for each merchant Us or another financial institution, except to the extent that You agree We received Your letter. We will also tell You if We have  this Agreement.  Playa del Rey, Playa Vista, Porter Ranch, Rancho Park, Reseda,
 draft copy that You request that is unrelated to a valid billing error dispute; PERIODIC STATEMENT. On a regular basis, You will receive a not to use Your Card in any country that We or the United States already corrected the error. San Pedro, Sawtelle, Sepulveda, Shadow Hills, Sherman Oaks,
 (f) for cash advances obtained at ATMs owned and operated by Us, You statement showing all transactions on Your Account including amounts government may from time to time designate. If You are issued a cash 2) Within 90 days of receiving Your letter, We must either correct While We investigate, the same rules apply to the disputed amount Silver Lake, South Carthay, South Central Los Angeles, South
 will be charged a cash advance fee FINANCE?CHARGE equal to the paid and borrowed since Your last statement. We will mail You a advance draft, it will be imprinted with Your Card number.  the error or explain to You why We believe the bill is correct. as discussed above. After We finish Our investigation, We will tell Robertson, Southeast Los Angeles, Studio City, Sun Valley, Sunland,
 greater of $10, or 2.00% of the amount advanced plus $2.50 for each statement each billing cycle in which there is a debit or credit balance You Our decision. At that point, if We think You owe an amount and Sylmar, Tarzana, Terminal Island, Toluca Lake, Tujunga, USC, Valley
                                                                  You do not pay, We may report You as delinquent.
 such advance; and (g) for all cash advances (other than those obtained or when a Finance Charge is imposed. We need not send You a You agree not to use Your Card for illegal transactions, whether or not While We investigate whether or not there has been an error: glen, Valley Village, Van Nuys, Venice, Watts, West Adams, West
 at an ATM owned and operated by Us), You will be charged a cash statement if We feel Your Account is uncollectible or if We have started such transaction is transmitted electronically, involves the use of the Hills, West Los Angeles, Westchester, Westlake, Westwood,
                                                                            CURewards Points
 advance fee FINANCE?CHARGE equal to the greater of $10, or 2.00% collection proceedings against You because You defaulted. Each internet or is otherwise made in person. Illegal or unlawful transactions � We cannot try to collect the amount in question, or report You Wilmington, Wilshire Center, Winnetka, Woodland Hills.
 of the amount advanced. statement is deemed to be a correct statement of account unless You include, but are not limited to, advances made for the purpose of as delinquent on that amount.
                                                                  EXPIRATION. Points will accrue during each three (3) calendar year
 establish a billing error pursuant to the Federal Truth-In-Lending Act. gambling and/or wagering, where such bet or wager is unlawful under � The charge in question may remain on Your statement, and One (1) point will be earned for each dollar charged with the card at
                                                                  period, and will expire on a first-in first-out basis annually. This
 OTHER SECURITY. Collateral (other than household goods or any any applicable federal or state law in the State or Tribal lands in which We may continue to charge You interest on that amount. a merchant located outside of the city Los Angeles, California or
                                                                  means points earned in calendar year one (but not yet redeemed)
 dwelling) given as security under any other loan You may have with Us PROMISE TO PAY. Your Account may be accessible through a variety the bet or wager is initiated, received, or otherwise made. You further � While You do not have to pay the amount in question, You are  outside of those areas set forth above. Points will not be earned on
                                                                  will expire as of the last business day of calendar year three. For
 will secure all amounts You owe Us now and in the future if that status of means which could include advance request forms, vouchers, agree and understand that any such illegal or unlawful transaction may responsible for the remainder of Your balance. advances made by cash advance or Convenience Check.
                                                                  example, points earned anytime during the year of 2011 (year one)
 is reflected in the "Truth-in-Lending Disclosure" in any particular checks, charge slips, credit cards, Visa Convenience Checks and the be blocked, declined or otherwise reversed. � We can apply any unpaid amount against Your Credit Limit.
                                                                  will expire on December 31, 2013.
 Agreement evidencing such debt.      like. Regardless of the access means, You promise to pay Us all Triple CURewards points are earned when the merchant city name
 amounts charged to Your Account by You or by any user who has VISA CONVENIENCE CHECk RATE. If Your Account is subject to a After We finish Our investigation, one of two things will happen: listed in the Credit Union's credit card record is �Los Angeles� or any
                                                                  MAXIMUM. The maximum points that may be earned each month
 OUR RESPONSIBILITIES TO HONOR VISA CONVENIENCE access to Your Account, with actual, apparent or implied authority for promotional rate for Visa Convenience Check transactions, the Monthly of the other named areas set forth in this section. Should You have
                                                                  is 15,000, whereas the maximum that may be earned each year
 CHECkS. We are under no obligation to honor Your Visa Convenience use of Your Account, including Finance Charges and other fees or Periodic Rate applicable to such transactions will be either 0.0000% � If We made a mistake: You will not have to pay the amount in  any questions concerning the rate at which You were awarded
                                                                  is 75,000.
 Checks if: (1) by paying a Visa Convenience Check, You would exceed charges described herein. (corresponding ANNUAL PERCENTAGE RATE 0.00%) if You have not question or any interest or other fees related to that amount. points, You must contact Us in writing within sixty (60) days of the
 Your Credit Limit; (2) Your Cards or Visa Convenience Checks have previously had a Credit Union issued credit card, or 0.6583% � If We do not believe there was a mistake: You will have to  transaction date.
                                                                  REDEMPTION. Points may be redeemed for merchandise, travel or
 been reported lost or stolen; (3) Your Account has been cancelled or REFUSAL TO HONOR CARDS OR VISA CONVENIENCE CHECkS. (corresponding ANNUAL PERCENTAGE RATE 7.90%) if You have pay the amount in question, along with applicable interest 
                                                                  to get discounts on Credit Union closed-end consumer loan rates
 has expired. If a postdated Convenience Check is paid and, as a Visa Convenience Checks must be at least equal to $100 and cannot previously had a Credit Union issued credit card. Upon the expiration of and fees. We will send You a statement of the amount You  (including boats, cars, motorcycles, personal computers, RVs, P. O. Box 53032
 result, any other Convenience Check is returned unpaid, We are not exceed  the lesser of Your approved Credit Limit or $30,000, and We any such promotional rate period, the Monthly Periodic Rate and owe and the date payment is due. We may then report You trucks, "Personaline" lines of credit and Signature loans). Visit Los Angeles, CA 90053-0032
 responsible for any resulting loss or liability. may refuse to honor any non-conforming convenience check. We are corresponding Annual Percentage Rate applicable to the portion of Your as delinquent if You do not pay the amount We think You owe. www.curewards.com or call (800) 900-6160 for travel and
 not liable for the refusal or inability of merchants, financial institutions balance consisting of transactions that occur after the expiration of such and backed by the full faith and credit of the United States Government and backed by the full faith and credit of the United States Government Your savings federally insured to at least $250,000 Your savings federally insured to at least $250,000
                                                                  merchandise redemption information. Credit Union consumer loan           (877) MY LAFCU (695-2328)
 OVERDRAFT PROTECTION. If the Overdraft Protections feature of and others to accept the Cards or Visa Convenience Checks, or period will increase to the non-promotional rate disclosed in this Agreement. If You receive Our explanation but still believe Your bill is wrong, You interest rates can be reduced (restrictions apply) by cashing out FAX (818) 242-5812
 Your Account has been activated, We may transfer funds in multiples electronic terminals to honor the Cards or complete a Card withdrawal, must write to Us within 10 days telling Us that You still refuse to pay. earned points, as follows: NCUA NCUA
 necessary (or in such increments as We may from time to time or for their retention of the Cards or Visa Convenience Checks. Your Billing Rights: keep this Document for Future Use If You do so, We cannot report You as delinquent without also National Credit Union Administration, a U.S. Government Agency e-Mail:   consumerloans@lafcu.org
 determine) to clear any overdraft on Your checking (Share Draft) reporting that You are questioning Your bill. We must tell You the � For loans up to $10,000: lower the rate one-quarter percent Website:   www.lafcu.org
 account by an advance on Your Account subject to this provision. TERMINATION. Subject to applicable law, either You or We may cancel This notice tells You about Your rights and Our responsibilities under name of anyone to whom we reported You as delinquent, and We (0.25%) if you cash-out 2,500 points, or lower it one-half percent Copyright Oak Tree Business Systems Inc, 2011.
 Whether or not such a transfer occurs will be controlled by this Your Account at any time whether or not You are in default. You will, in the Fair Credit Billing Act. must let those organizations know when the matter has been settled (0.50%) for 5,000 points. All Rights Reserved.   OTBS 016 VISA - Variable?LAFD (6/11)
                                                                                                                                                      M-103720
 8 9           10                               11                              12                              13
 highest Annual Percentage Rate,  then to that portion of Your unpaid Agreement. In any event, You hold Us harmless for any and all liability any case, remain liable to pay any unpaid balances according to the What To Do If You Find A Mistake On Your Statement between Us. If We do not follow all of the rules above, You do not � For loans over $10,000: lower the rate one-quarter percent
 principal balance which carries the next highest Annual Percentage which might otherwise arise if the transfer does not occur. Your terms of this Agreement.  have to pay the first $50 of the amount You question even if Your (0.25%) if you cash out 5,000 points, or lower it one-half percent
 Rate, and so on, until the payment is depleted. Overdraft Protection automatically ceases if this Agreement is ever If You think there is an error on Your statement, write to Us at Our bill is correct. (0.50%) for 10,000 points.
 cancelled or terminated or Your Account is in default.  TRANSACTION SLIPS. Your periodic statement will identify the address shown in this Agreement. In Your letter, give us the
 Minimum Monthly Payments will be an amount equal to 3.00% of Your merchant, electronic terminal or financial institution at which transactions following information: Your Rights If You Are Dissatisfied With Your POINTS EARNED. Three (3) CURewards points will be earned for
 unpaid Visa Account balance at the end of each billing cycle, subject OWNERSHIP. Your Card remains Our property and may be cancelled were made, but sales, cash advances, credit or other slips will not be Credit Card Purchases each dollar charged with the card at a merchant located in the city of
 to the lesser of $25 or Your Account balance. In addition to the by Us at any time without notice. You agree to surrender Your Card and returned with the statement. You will retain the copy of such slips furnished � Account information: Your name and Account number. Los Angeles, California � inclusive of the following named areas
 Minimum Monthly Payment, You will also be required to pay any prior to discontinue its use immediately upon Our request. at the time of the transaction in order to verify Your monthly statement.  � Dollar amount: The dollar amount of the suspected error. If You are dissatisfied with the goods or services that You have which are considered to be part of Los Angeles* ("Triple
 payments due which remain unpaid and any amounts which exceed � Description of problem: If You think there is an error on Your  purchased with Your Credit Card, and You have tried in good faith CURewards"). For an updated list of cities that qualify for Triple
 Your credit limit. PENALTY RATE. If Your payment is past due during any two UNAUTHORIZED USE. You may be liable for the unauthorized use of bill,  describe what You believe is wrong and why You believe to correct the problem with the merchant, You may have the right CURewards and other details concerning the CURewards program, Shop LA City
 consecutive billing cycles (but not more than 60 days past due), subject Your Card. You will not be liable for the unauthorized use that occurs it is a mistake. not to pay the remaining amount due on the purchase. To use this visit the �Shop LA City Visa Card� web page located on Our website
                                                                           �
 Payments received before 2:30 p.m. on a business day that We are to applicable law, the Monthly Periodic Rate applicable to future after You notify Us orally and in writing at the address or telephone right, all of the following must be true: at www.LAFCU.org. Points will not be earned on advances made by Visa Platinum Plus
 open will be credited to Your Account that day. Payments received after transactions will increase to 1.5000% (corresponding ANNUAL number shown in this Agreement, of the loss, theft, or possible You must contact Us: cash advance or Convenience Check.
 2:30 p.m. will be credited to Your Account the next business day. PERCENTAGE RATE 18.00%). unauthorized use. In any case, Your liability will not exceed $50. 1) The purchase must have been made in Your home state or
 � Within 60 days after the error appeared on Your statement. within 100 miles of Your current mailing address, and the *Arleta, Arlington Heights, Atwater Village, Baldwin Hills, Bel Air, with CURewards
 NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if If Your payment is more than 60 days past due, subject to applicable UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will � At least 3 business days before an automated payment is  purchase price must have been more than $50. (Note: Beverly  glen,  Beverly  Crest,  Beverlywood,  Boyle  Heights,
 You move or otherwise have a change of address.  law, the Monthly Periodic Rate applicable to Your entire balance of provide facts to update personal information or other financial scheduled, if You want to stop payment on the amount You Neither of these are necessary if Your purchase was based Brentwood, Cahuega Pass, Canoga Park, Century City, Chatsworth,
 transactions existing at that time will also increase to 1.5000% information related to You, at Our request. You also agree that We may, think is wrong. on an advertisement We mailed to You, or if We own the Cheviot Hills, Chinatown, Crenshaw, Crestview, Cypress Park, Del
 OTHER FEES AND CHARGES. You agree to pay Us the following fees (corresponding ANNUAL PERCENTAGE RATE 18.00%). During the from time to time, as We deem necessary, make inquiries pertaining company that sold You the goods or services.) Rey, Downtown Los Angeles, Eagle Rock, East Hollywood, East Los
 and charges associated with the use of Your Card: (a) Except for Premier six-month period following the effective date of such increase, upon to Your employment, credit standing and financial responsibility in You must notify Us of any potential errors in writing. You may call Angeles, Echo Park, El Sereno, Elysian Park, Elysian Valley, Encino,
                                                                       VARIABLE-RATE CREDIT CARD
 and Premier 55 Cardholders, $15 for each replacement Card that You receipt of the first six consecutive required minimum periodic payments accordance with applicable laws and regulations. You further agree Us, but if You do We are not required to investigate any potential 2) You must have used Your Credit Card for the purchase. Fairfax, glassell Park, granada Hills, greater Mid-Wilshire, griffith
 request (Value and Imperial accountholders are eligible to receive one when due, the rate applicable to the balance of transactions that that We may give information about the status and payment history of errors and You may have to pay the amount in question. Purchases made with cash advances from an ATM or with a Park, Hancock Park, Harbor City, Harbor gateway, Harvard Heights, AGREEMENT AND DISCLOSURE
 free replacement Card per 12-month period); (b) to the extent permitted occurred prior to such increase will be returned to the standard rate that Your Account to consumer credit reporting agencies, a prospective check that accesses Your Credit Card account do not qualify. Highland Park, Hollywood, Hyde Park, Jefferson Park, Koreatown,
 by law, a returned check (or other negotiable instrument) charge or would have otherwise been in effect. employer or insurer, or a state or federal licensing agency having any What Will Happen After We Receive Your Letter Los Angeles International Airport, La Tuna Canyon, Ladera Heights,
 declined Automated Clearing House (ACH) payment charge, as apparent legitimate business need for such information. 3) You must not yet have fully paid for the purchase.  Lake Balboa, Lakeview Terrace, Leimert Park, Lincoln Heights, Los
 applicable, equal to the lesser of $25 or the amount of the required At Our discretion, We may reduce any Penalty Rate applicable to Your When We receive Your letter, We must do two things: Angeles, Los Feliz, Mar Vista, Mid-City, Mission Hills, Montecito
 minimum payment due, for each item that is returned for non-payment; Account without giving up any of Our rights set forth in this provision or USE OF YOUR CARD. You may use Your Card to buy goods and If all of the criteria above are met and You are still dissatisfied Heights, Mt. Washington, North Hills, North Hollywood, Northridge,
 (c) $25 for express replacement of a Card; (d) $26 for each stop payment in any other provision of Your Agreement with Us. services in any place that it is honored and to get cash advances from 1) Within 30 days of receiving Your letter, We must tell You that with the purchase, contact Us in writing at Our address shown in Pacific Palisades, Pacoima, Palms, Panorama City, Pico Union,
 that You request for Visa Convenience Checks; (e) $5 for each merchant Us or another financial institution, except to the extent that You agree We received Your letter. We will also tell You if We have  this Agreement.  Playa del Rey, Playa Vista, Porter Ranch, Rancho Park, Reseda,
 draft copy that You request that is unrelated to a valid billing error dispute; PERIODIC STATEMENT. On a regular basis, You will receive a not to use Your Card in any country that We or the United States already corrected the error. San Pedro, Sawtelle, Sepulveda, Shadow Hills, Sherman Oaks,
 (f) for cash advances obtained at ATMs owned and operated by Us, You statement showing all transactions on Your Account including amounts government may from time to time designate. If You are issued a cash 2) Within 90 days of receiving Your letter, We must either correct While We investigate, the same rules apply to the disputed amount Silver Lake, South Carthay, South Central Los Angeles, South
 will be charged a cash advance fee FINANCE?CHARGE equal to the paid and borrowed since Your last statement. We will mail You a advance draft, it will be imprinted with Your Card number.  the error or explain to You why We believe the bill is correct. as discussed above. After We finish Our investigation, We will tell Robertson, Southeast Los Angeles, Studio City, Sun Valley, Sunland,
 greater of $10, or 2.00% of the amount advanced plus $2.50 for each statement each billing cycle in which there is a debit or credit balance You Our decision. At that point, if We think You owe an amount and Sylmar, Tarzana, Terminal Island, Toluca Lake, Tujunga, USC, Valley
    You do not pay, We may report You as delinquent.
 such advance; and (g) for all cash advances (other than those obtained or when a Finance Charge is imposed. We need not send You a You agree not to use Your Card for illegal transactions, whether or not While We investigate whether or not there has been an error: glen, Valley Village, Van Nuys, Venice, Watts, West Adams, West
 at an ATM owned and operated by Us), You will be charged a cash statement if We feel Your Account is uncollectible or if We have started such transaction is transmitted electronically, involves the use of the Hills, West Los Angeles, Westchester, Westlake, Westwood,
              CURewards Points
 advance fee FINANCE?CHARGE equal to the greater of $10, or 2.00% collection proceedings against You because You defaulted. Each internet or is otherwise made in person. Illegal or unlawful transactions � We cannot try to collect the amount in question, or report You Wilmington, Wilshire Center, Winnetka, Woodland Hills.
 of the amount advanced. statement is deemed to be a correct statement of account unless You include, but are not limited to, advances made for the purpose of as delinquent on that amount.
    EXPIRATION. Points will accrue during each three (3) calendar year
 establish a billing error pursuant to the Federal Truth-In-Lending Act. gambling and/or wagering, where such bet or wager is unlawful under � The charge in question may remain on Your statement, and One (1) point will be earned for each dollar charged with the card at
    period, and will expire on a first-in first-out basis annually. This
 OTHER SECURITY. Collateral (other than household goods or any any applicable federal or state law in the State or Tribal lands in which We may continue to charge You interest on that amount. a merchant located outside of the city Los Angeles, California or
    means points earned in calendar year one (but not yet redeemed)
 dwelling) given as security under any other loan You may have with Us PROMISE TO PAY. Your Account may be accessible through a variety the bet or wager is initiated, received, or otherwise made. You further � While You do not have to pay the amount in question, You are  outside of those areas set forth above. Points will not be earned on
    will expire as of the last business day of calendar year three. For
 will secure all amounts You owe Us now and in the future if that status of means which could include advance request forms, vouchers, agree and understand that any such illegal or unlawful transaction may responsible for the remainder of Your balance. advances made by cash advance or Convenience Check.
    example, points earned anytime during the year of 2011 (year one)
 is reflected in the "Truth-in-Lending Disclosure" in any particular checks, charge slips, credit cards, Visa Convenience Checks and the be blocked, declined or otherwise reversed. � We can apply any unpaid amount against Your Credit Limit.
    will expire on December 31, 2013.
 Agreement evidencing such debt.      like. Regardless of the access means, You promise to pay Us all Triple CURewards points are earned when the merchant city name
 amounts charged to Your Account by You or by any user who has VISA CONVENIENCE CHECk RATE. If Your Account is subject to a After We finish Our investigation, one of two things will happen: listed in the Credit Union's credit card record is �Los Angeles� or any
    MAXIMUM. The maximum points that may be earned each month
 OUR RESPONSIBILITIES TO HONOR VISA CONVENIENCE access to Your Account, with actual, apparent or implied authority for promotional rate for Visa Convenience Check transactions, the Monthly of the other named areas set forth in this section. Should You have
    is 15,000, whereas the maximum that may be earned each year
 CHECkS. We are under no obligation to honor Your Visa Convenience use of Your Account, including Finance Charges and other fees or Periodic Rate applicable to such transactions will be either 0.0000% � If We made a mistake: You will not have to pay the amount in  any questions concerning the rate at which You were awarded
    is 75,000.
 Checks if: (1) by paying a Visa Convenience Check, You would exceed charges described herein. (corresponding ANNUAL PERCENTAGE RATE 0.00%) if You have not question or any interest or other fees related to that amount. points, You must contact Us in writing within sixty (60) days of the
 Your Credit Limit; (2) Your Cards or Visa Convenience Checks have previously had a Credit Union issued credit card, or 0.6583% � If We do not believe there was a mistake: You will have to  transaction date.
    REDEMPTION. Points may be redeemed for merchandise, travel or
 been reported lost or stolen; (3) Your Account has been cancelled or REFUSAL TO HONOR CARDS OR VISA CONVENIENCE CHECkS. (corresponding ANNUAL PERCENTAGE RATE 7.90%) if You have pay the amount in question, along with applicable interest 
    to get discounts on Credit Union closed-end consumer loan rates
 has expired. If a postdated Convenience Check is paid and, as a Visa Convenience Checks must be at least equal to $100 and cannot previously had a Credit Union issued credit card. Upon the expiration of and fees. We will send You a statement of the amount You  (including boats, cars, motorcycles, personal computers, RVs, P. O. Box 53032
 result, any other Convenience Check is returned unpaid, We are not exceed  the lesser of Your approved Credit Limit or $30,000, and We any such promotional rate period, the Monthly Periodic Rate and owe and the date payment is due. We may then report You trucks, "Personaline" lines of credit and Signature loans). Visit Los Angeles, CA 90053-0032
 responsible for any resulting loss or liability. may refuse to honor any non-conforming convenience check. We are corresponding Annual Percentage Rate applicable to the portion of Your as delinquent if You do not pay the amount We think You owe. www.curewards.com or call (800) 900-6160 for travel and
 not liable for the refusal or inability of merchants, financial institutions balance consisting of transactions that occur after the expiration of such and backed by the full faith and credit of the United States Government and backed by the full faith and credit of the United States Government Your savings federally insured to at least $250,000 Your savings federally insured to at least $250,000
    merchandise redemption information. Credit Union consumer loan          (877) MY LAFCU (695-2328)
 OVERDRAFT PROTECTION. If the Overdraft Protections feature of and others to accept the Cards or Visa Convenience Checks, or period will increase to the non-promotional rate disclosed in this Agreement. If You receive Our explanation but still believe Your bill is wrong, You interest rates can be reduced (restrictions apply) by cashing out FAX (818) 242-5812
 Your Account has been activated, We may transfer funds in multiples electronic terminals to honor the Cards or complete a Card withdrawal, must write to Us within 10 days telling Us that You still refuse to pay. earned points, as follows: NCUA NCUA
 necessary (or in such increments as We may from time to time or for their retention of the Cards or Visa Convenience Checks. Your Billing Rights: keep this Document for Future Use If You do so, We cannot report You as delinquent without also National Credit Union Administration, a U.S. Government Agency e-Mail:   consumerloans@lafcu.org
 determine) to clear any overdraft on Your checking (Share Draft) reporting that You are questioning Your bill. We must tell You the � For loans up to $10,000: lower the rate one-quarter percent Website:   www.lafcu.org
 account by an advance on Your Account subject to this provision. TERMINATION. Subject to applicable law, either You or We may cancel This notice tells You about Your rights and Our responsibilities under name of anyone to whom we reported You as delinquent, and We (0.25%) if you cash-out 2,500 points, or lower it one-half percent Copyright Oak Tree Business Systems Inc, 2011.
 Whether or not such a transfer occurs will be controlled by this Your Account at any time whether or not You are in default. You will, in the Fair Credit Billing Act. must let those organizations know when the matter has been settled (0.50%) for 5,000 points. All Rights Reserved.   OTBS 016 VISA - Variable?LAFD (6/11)
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