Card  and  Account  are  subject  to  the  following 
conditions:
a.  Ownership  of  Cards.  Any  Card  or  other  credit  
instrument  or  device  which  we  supply  to  you  is  
  our property and must be returned to us, or to any  
  person whom we authorize to act as our agent, or  
to any person who is authorized to honor the Card,  
immediately  according  to  instructions.  The  Card  
  may  be  repossessed  at  any  time  at  our  sole  
  discretion  without  demand  or  notice.  You  cannot  
transfer  your  Card  or  Account  to  another  person.  
  You may not use the Card for any illegal or unlawful  
transactions and we may decline to authorize any  
transaction that we believe poses an undue risk of  
illegality or unlawfulness.

b.  Honoring  the  Card.  Neither  we  nor  merchants  
  authorized  to  honor  the  Card  will  be  responsible  
for the failure or refusal to honor the Card or any  
  other  credit  instrument  or  device  we  supply  to  
you.  If  a  merchant  agrees  to  give  you  a  refund  
  or adjustment, you agree to accept a credit to your  
  Account in lieu of a cash refund.
c.  Currency  Conversion/Foreign  Transaction  Fee.  
  Purchases  and  cash  advances  made  in  foreign  
countries will be billed to you in U.S. dollars. The  
currency 
international  
transactions  as  established  by  VISA  International,  
Inc.  is  a  rate  selected  by  VISA  from  the  range  of 
rates  available  in  wholesale  currency  markets  for 
the applicable central processing date, which rate 
  may vary from the rate VISA itself receives, or the 
  government  mandated  rate  in  effect  for  the  
  applicable  central  processing  date.  In  addition, 
you  will  be  charged  a  Foreign  Transaction  Fee  of 
  1%  of  the  transaction  amount  for  any  card 

conversion 

rate 

for 

transaction made in a foreign country.

d.  Notices  and  Payments.  All  notices  will  be  sent 
to  your  address  as  shown  on  your  credit  union 
  account.  You  agree  to  advise  us  promptly  if  you 
change your mailing address. All payments should 
  be  mailed  to  us  at  the  remittance  address  shown 
  on your monthly statements. Payments received at 
that address will be credited to your Account as of 
the date received.

e. Personal Identification Number. We will issue you  
  a  Personal  Identification  Number  (“PIN”)  for  use  
  with  your  Card  at  automatic  teller  machines  
(“ATMs”). These numbers are issued to you for your  
security purposes. These numbers are confidential  
  and  should  not  be  disclosed  to  third  parties.  You  
  are  responsible  for  safekeeping  your  PIN.  You  
  agree not to disclose or otherwise make available  
your PIN to anyone not authorized to sign on your  

  Account. To keep your Account secure, please do  
  not write your PIN on your Card or keep it in the  

same place as your Card.

grossly negligent or fraudulent in handling your Card; 
otherwise  your  liability  for  unauthorized  VISA  Credit 
Card transactions shall not exceed $50.

13. LOAN PROTECTION. Loan Protection coverage 
is  not  required  for  any  extension  of  credit  under 
this  Agreement.  However,  you  may  purchase  any 
loan  protection  available  through  us  and  have  the 
premiums  added  to  your  outstanding  balance.  If 
you  elect  to  do  so,  you  will  be  given  the  necessary 
disclosures and documents separately.

14.  DEFAULT.  You  will  be  in  default  under  this 
Agreement  if  any  of  the  following  occur:  (a)  Any 
minimum  monthly  payment  is  not  made  when  due; 
(b)  You  become  insolvent,  bankrupt,  or  you  die;  (c) 
You violate any part of this Agreement, or any other 
agreement  with  us;  or  (d)  if  we  reasonably  deem 
ourselves insecure on your credit line. We will notify 
you in writing of any such action as soon as practical 
if it occurs. Upon default, we may declare the entire 
unpaid  balance  immediately  due  and  payable,  and 
you agree to pay that amount plus any attorney’s fees 
and costs including collection agency costs incurred 
by  us.  We  can  delay  enforcing  any  right  under  this 
Agreement  without  losing  that  right  or  any  other 
right.  A  negative  credit  report  reflecting  on  your 
credit record may be submitted to a credit-reporting 
agency if you fail to fulfill the terms of this Agreement.

15. CREDIT INFORMATION / FINANCIAL STATEMENTS. 
You  authorize  us  to  release  information  to  others 
(e.g.,  credit  bureaus,  merchants,  and  other  financial 
institutions)  regarding  the  status  and  history  of  your 
credit  line.  You  agree  to  provide  us,  at  any  time  we 
deem  necessary,  with  a  current  financial  statement 
and  updated  credit  information  upon  request.  We 
may investigate your credit directly or through a credit 
reporting agency.

16.  LOSS  OR  THEFT  OF  VISA  CREDIT  CARD  OR 
CONVENIENCE  CHECKS.  You  agree  to  notify  us 
immediately  of  the  loss,  or  the  theft,  or  the  use 
without your permission, of any Card or other credit 
instrument  or  device  which  we  supply  to  you.  You 
may be liable for the unauthorized use which occurs 
after  you  notify  us  at:  Telephone:  (800)  449-7728  or 
by  writing  us  at  P.O.  Box  31112,  Tampa,  FL  33631- 
3112  orally  or  in  writing  of  loss,  theft,  or  possible 
unauthorized  use.  If  you  notify  us  of  your  lost  or 
stolen  Credit  Card  after  discovery,  you  may  not  be 
liable  for  any  losses  related  to  credit  transactions. 
This  zero  liability  will  apply  provided  you  were  not 

17.  YOUR  CREDIT  CARD  BILLING  RIGHTS.  Keep 
this  document  for  future  use.  This  notice  tells  you 
about  your  rights  and  our  responsibilities  under  the 
Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement.
If you think there is an error on your statement, write 
to us at: OneAZ Credit Union, P.O. Box 31112, Tampa, 
FL  33631-3112.  In  your  letter,  give  us  the  following 
information:
  •  Account  information:  Your  name  and  account  

  number.

  •  Dollar  amount:  The  dollar  amount  of  the  

  suspected error.

  •  Description  of  problem:  If  you  think  there  is  an  
  error  on  your  bill,  describe  what  you  believe  is  
  wrong and why you believe it is a mistake.

You must contact us:
  •  Within 60 days after the error appeared on your  

  statement.

  •  At  least  3  business  days  before  an  automated 
  payment  is  scheduled,  if  you  want  to  stop  
  payment on the amount you think is wrong.

You  must  notify  us  of  any  potential  errors  in  writing. 
You may call us, but if you do we are not required to 
investigate any potential errors and you may have to 
pay the amount in question.

What  Will  Happen  After  We  Receive  Your  Letter. 
When we receive your letter, we must do two things: 
1.  Within 30 days of receiving your letter, we must tell 
you  that  we  received  your  letter.  We  will  also  tell  
you if we have already corrected the error.

2.  Within  90  days  of  receiving  your  letter,  we  must 
  either  correct  the  error  or  explain  to  you  why  we 
  believe the bill is correct.

While we investigate whether or not there has been 
an error: 
  •  We cannot try to collect the amount in question,
  or report you as delinquent on that amount.
  •  The  charge  in  question  may  remain  on  your  
  statement, and we may continue to charge you  

interest on that amount. 

  •  While  you  do  not  have  to  pay  the  amount  in  
  question, you are responsible for the remainder  
  of your balance. 

  •  We  can  apply  any  unpaid  amount  against  your 

  credit limit.

After  we  finish  our  investigation,  one  of  two  things 
will happen:
  •  If we made a mistake: You will not have to pay  
the amount in question or any interest or other 
fees related to that amount.

  •  If  we  do  not  believe  there  was  a  mistake:  You  
  will  have  to  pay  the  amount  in  question,  along  
  with  applicable  interest  and  fees.  We  will  send  
  you  a  statement  of  the  amount  you  owe  and  
the  date  payment  is  due.  We  may  then  report  
  you as delinquent if you do not pay the amount  
  we think you owe.

If you receive our explanation but still believe your bill
is wrong, you must write to us within 10 days telling 
us that you still refuse to pay. If you do so, we cannot 
report  you  as  delinquent  without  also  reporting 
that  you  are  questioning  your  bill.  We  must  tell  you 
the  name  of  anyone  to  whom  we  reported  you  as 
delinquent, and we must let those organizations know 
when the matter has been settled between us. If we 
do not follow all of the rules above, you do not have 
to pay the first $50 of the amount you question even 
if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit
Card Purchases. If you are dissatisfied with the goods
or services that you have purchased with your credit 
card, and you have tried in good faith to correct the 
problem  with  the  merchant,  you  may  have  the  right 
not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home  
state  or  within  100  miles  of  your  current  mailing  
  address,  and  the  purchase  price  must  have  been  
  more than $50. (Note: Neither of these are necessary  
if  your  purchase  was  based  on  an  advertisement  
  we mailed to you, or if we own the company that  

sold you the goods or services.)

2.  You  must  have  used  your  credit  card  for  the  
  purchase.  Purchases  made  with  cash  advances  
from  an  ATM  or  with  a  check  that  accesses  your  
credit card account do not qualify.

3. You must not yet have fully paid for the purchase.  

If  all  of  the  criteria  above  are  met  and  you  are  still  
dissatisfied  with  the  purchase,  contact  us  in  writing  
at  the  above  address.  While  we  investigate,  the  
same  rules  apply  to  the  disputed  amount  as  
discussed above. After we finish our investigation, we 

will tell you our decision. At that point, if we think you 
owe  an  amount  and  you  do  not  pay,  we  may  report 
you as delinquent.

18. AMENDMENTS. We reserve the right to amend 
the  terms  and  conditions  of  this  Agreement  as 
permitted by and subject to any limitations or notice 
requirements of applicable law.

19. GOVERNING LAW. This Agreement will not take
effect until it is approved by us. This Agreement shall 
be governed by the laws of the State of Arizona.

20. ENTIRE AGREEMENT. You understand and agree 
to the terms and conditions in this VISA Credit Card 
Agreement. You acknowledge that you have received
a  copy  of  the  Agreement.  This  Agreement  is  a 
final  expression  of  the  agreement  between  you 
and  the  Credit  Union.  This  Agreement  may  not  be 
contradicted  by  evidence  of  any  oral  agreement 
or  alleged  oral  agreement  and  contains  the  terms 
applicable to the credit transaction.

Choice Rewards
Credit Card
Agreement and Disclosures

2355 W. Pinnacle Peak Rd.
Phoenix, AZ 85027

REV. 4/20/16

M-118444

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ONEAZ CREDIT UNION
CHOICE REWARDS CREDIT CARD
AGREEMENT AND DISCLOSURE

and 

1. INTRODUCTION. This VISA Credit Card Agreement 
(Agreement) 
the  Account  Disclosures 
accompanying  this  Agreement  will  govern  your 
Choice  Rewards  Credit  Card  and  account  issued  by 
OneAZ  Credit  Union.  In  this  Agreement  the  words 
“you,” “your,” “yours,” “applicant,” and “Borrowers” 
mean  any  person  who  signs  the  application  for  this 
Account, any joint obligor, guarantor, authorized user,
or the person whose name is embossed on the Card. 
The  words  “we,”  “us,”  “our,”  and  “Lender”  mean 
OneAZ  Credit  Union.  The  word  “Card”  means  any 
one  or  more  credit  cards  issued  under  the  Credit 
Union’s VISA Card program. If you sign or cosign an 
application  for  this  Account  or  sign  or  use  any  Card 
or  PIN,  or  allow  others  to  use  the  Card  or  PIN,  you 
and they will have accepted this Agreement just as if 
you and they signed it, and you and they, jointly and 
severally,  will  be  bound  by  the  following  terms  and 
conditions which will govern this Account.

2. ACCOUNT ACCESS.
a. Purchases, Cash Advances & Balance Transfers.  
  You  must  sign  the  Card  to  use  it.  Once  you  have  
signed  the  Card,  you  can  use  it  to  buy  or  lease  
  goods or services, wherever the Card is honored,  
  up to the full amount of your credit line. You may  
  use your Account to get cash advances from us. You  
  may also use your Card to get a cash advance from  
  participating  financial  institutions  or  automated  
teller  machine  (ATM).  You  may  use  your  Card  to  
  purchase  goods  and  services  any  place  your  
  VISA Card is honored by participating merchants.  
In addition, you may access your account through  
  balance  transfers  of  credit  card  balances  from  
institutions.  No  purchase  may  
  other  financial 
  exceed the available credit line established for your  
  account.  The  Credit  Union  reserves  the  right  
to  refuse  any  transaction  that  would  draw  upon  
insufficient funds.

b.  VISA  Convenience  Checks. If available, you may  
  obtain  advances  under  your  Account  by  writing  
  preprinted VISA convenience loan checks that we  
supply  to  you.  Your  use  of  loan  checks  will  be  
shown  as  cash  advances  on  your  monthly  
statement.  We  may  not  honor  your  loan  check  if:  
your  check  is  post-dated;  payment  of  the  check  
  would exceed your Credit Limit; a check is signed  
  by person without authorized access; the amount of  

the  exact 

you  provide  us  with 

the  check  is  less  than  the  minimum  required  
  amount;  your  Account  has  been  terminated  or  
suspended, or any drafts have been reported lost  
  or stolen. You may stop payment on a loan check if  
information  
  describing  the  check.  If  you  give  us  incorrect  
information, we will not be responsible for failing to  
stop  payment.  You  understand  there  may  be  a  
charge  for  each  stop  payment  order  requested.  
  Our  liability  for  a  wrongful  dishonor  is  limited  
to your actual charges; however, a dishonor for the  
reasons  stated  above  is  not  a  wrongful  dishonor.  
  Only  the  person  whose  name  is  printed  on  a  
convenience  check  may  sign  it.  All  convenience  
checks  must  be  written  in  U.S.  dollars.  We  will  
  not  certify  a  convenience  check.  You  may  write  
these  checks  for  any  amount  providing  your  total  
  outstanding  balance  does  not  exceed  your  
  available credit limit and your credit card remains  
in  good  standing.  We  are  entitled  to  return  it  
  unpaid  if  there  is  not  enough  available  credit  on  
your account to pay it, if you are in default under this  
  Agreement, if your card or convenience checks have  
  been reported lost or stolen, or if the convenience  
check  is  post-dated.  A  VISA  convenience  check  
  may not be used to make a payment on your VISA  
credit card account. The Credit Union shall have no  
liability  for  any  convenience  check  returned  in  

  excess of your credit line.

3.  YOU  PROMISE  TO  PAY.  You  promise  to  pay  us 
all  such  amounts,  plus  any  Interest  Charges,  which 
arise from use of the Card or Account by you or any 
other  person,  and  to  be  jointly  and  severally  liable 
with  such  a  person,  unless  such  other  person  does 
not  have  actual,  implied,  or  apparent  authority  for 
such use, and you received no benefit from the use. 
You promise to pay us either by direct payment or by 
automatic transfers.

4.  CREDIT  LINE.  This  Agreement  will  constitute  a  
revolving  line  of  credit  for  an  amount  which  will  
be  the  credit  line  under  your  Account.  You  may  
access your credit line through card purchases, cash  
advances  at  participating  merchants,  loan  checks  
and  balance  transfers.  We  will  advise  you  of  the  
amount  of  your  credit  line  on  your  statement.  
That  amount  will  be  the  maximum  amount  you  may  
have outstanding at any one time. You agree not to  
attempt  to  obtain  more  credit  than  the  amount  
of  your  credit  line.  We  retain  the  right  to  increase  
or  decrease  your  credit  line  at  any  time  for  any  
reason. Any increase or reduction on the limit of your 

credit line will be shown on your monthly statement 
or  by  separate  notice  together  with  any  changes  in 
the  applicable  minimum  monthly  payments.  Your 
eligibility  for  this  credit  line  is  determined  by  our 
loan  policy  and  may  be  terminated  at  our  sole 
discretion, without demand or notice. You may close 
your credit line at any time by notifying us in writing. 
If  you  terminate  this  Agreement  or  if  we  terminate 
or  suspend  your  credit  privileges,  the  provisions  of 
this  Agreement  and  your  liability  hereunder  shall 
otherwise remain in full force and effect until you have 
paid us all sums due us under this Agreement.

5. MINIMUM MONTHLY PAYMENT. You agree that 
you  will  pay  each  month  not  less  than  the  minimum 
monthly payment on or before the scheduled monthly 
due  date.  The  minimum  monthly  payment  will  be 
2.0%  of  your  outstanding  balance  (“New  Balance”) 
or  $25.00,  whichever  is  greater.  If  your  outstanding 
balance is $25.00 or less, you agree to pay the balance 
in full. You may pay in full for all your purchases and 
cash  advances  each  month,  or  you  may  repay  in 
monthly  installments.  We  can  accept  late  payments 
or  partial  payments,  or  checks,  drafts,  or  money 
orders  marked  “payment  in  full”  without  prejudice 
to our rights under this Agreement, which are hereby 
explicitly reserved. A credit posting from a merchant 
or  reversal  of  fees  do  not  constitute  a  minimum 
payment.  The  minimum  payment  may  be  allocated 
at the Credit Union’s discretion to pay off lower rate 
balances,  such  as  promotional  offers,  before  higher 
rate  balances,  such  as  cash  advances  or  purchases. 
Payments in excess of the minimum payment will be 
allocated first to higher rate balances, as applicable. 
From  time  to  time,  we  may  allow  you  to  skip  your 
minimum  monthly  payment  due.  If  you  choose  to 
skip  that  payment,  Interest  Charges  will  continue  to 
accrue in accordance with this Agreement. Payments 
received at: 2355 W. Pinnacle Peak Rd., Phoenix, AZ 
85027 at or before 5:00 PM Mountain Standard Time 
on any business day will be credited to your Account 
as  of  that  date;  payments  received  by  mail  at  that 
address  after  5:00  PM  Mountain  Standard  Time, 
on  a  weekend  or  federal  holiday  will  be  posted  to 
your  Account  as  of  the  next  business  day.  Payment 
crediting  to  your  Account  may  be  delayed  up  to 
five  days  if  your  payment  is  received  by  mail  at  any 
other address or not accompanied by the remittance 
portion of your Account statement.

6. SECURITY INTEREST. You grant the Credit Union a
security 
the  Arizona  Uniform 
Commercial  Code  in  any  goods  purchased  through 

interest  under 

your  VISA  Credit  Card  Account.  You  agree  that  all 
collateral you have given the Credit Union to secure 
other  open-end  consumer  loan  obligations  (except 
dwelling secured loans), in the past and in the future, 
will secure your obligations under this Agreement. In 
addition,  by  signing  the  Card  Application,  you  have 
given  us  a  security  interest  in  all  your  shares  and 
deposits, present and future, and all accounts (except 
Individual Retirement Accounts) with the Credit Union 
you agree, upon default, the Credit Union may apply 
all that is secured to pay any amounts due under this 
Agreement, without further notice to you.

7.  MONTHLY  STATEMENTS.  Each  month  we  will 
send  you  a  statement  showing  purchases,  cash 
advances,  payments,  and  credits  made  to  your 
Account during the billing cycle, as well as your “New 
Balance,” any Interest Charge and any late charge or 
other  charges.Your  statement  also  will  identify  the 
Minimum  Monthly  Payment  you  must  make  for  that 
billing  period  and  the  date  it  is  due.  You  agree  to 
retain for statement verification copies of transaction 
slips resulting from each purchase, each advance, and 
other transaction on your Account. Unless you notify 
us  of  a  billing  error  as  described  below,  you  accept 
your monthly statement as an accurate statement of 
your Account with us.

8. CIRCUMSTANCES UNDER WHICH AN INTEREST
CHARGE WILL BE IMPOSED. The total outstanding 
balance  of  purchases  and  cash  advances  in  the 
Account  on  the  closing  date  of  a  billing  cycle, 
including  any  Interest  Charge  will  be  shown  on  the 
Periodic Statement for that billing cycle as the “New 
Balance.”
a.  Cash  Advances  (Interest  Charge).  An  Interest  
  Charge  will  be  imposed  on  cash  advances  and  
  balance  transfers  from  the  date  each  advance  is 
  made to the date paid. The Credit Union charges 
  a cash advance fee (Interest Charge) of 3% of the 
cash  advance  transaction  (minimum  $10.00)  from 
the date of the transaction until the amount is paid. 
  There is no grace period to avoid a cash advance| 
fee  (Interest  Charge).  There  is  no  cash  advance 
fee  on  balance  transfer  advances  or  convenience 
checks.  There  is  a  minimum  Finance  Charge  of 

  $1.00 on unpaid balances.
b. Purchases. An Interest Charge will be imposed on 
the  portion  of  purchases  included  in  the  new 
  balance  that  remains  unpaid  25  days  after  the  
closing  date.  This  “grace  period”  allows  you  to  
  avoid an Interest Charge on purchases for a billing  
cycle. However, to the extent you do not pay your 

purchase  transactions  within  the  grace  period,  your 
Interest  Charge  will  accrue  from  the  date  purchases 
are  posted  to  your  account.  There  is  a  minimum 
Finance Charge of $1.00 on unpaid balances.

9.  METHOD  USED  TO  DETERMINE  THE  BALANCE 
ON  WHICH  THE  INTEREST  CHARGE  MAY  BE 
COMPUTED AND AMOUNT OF INTEREST CHARGE.
The Credit Union figures the Periodic Interest Charge 
on your Account by applying the Periodic Rate to the 
“Average Daily Balance” of new and previous unpaid 
transactions  for  your  Account.  To  get  the  “Average 
Daily Balance” we  take  the  beginning  purchase and 
cash advance balances of your Account each day, add 
any  new  purchases,  cash  advances,  balance  transfer 
amounts or debit adjustments or charges and subtract 
any payments or credits, unpaid Interest Charges and 
unpaid late charges. This gives us the daily balance. 
Then we add up all the daily balances for the billing 
cycle and divide by the number of days in the billing 
cycle.  This  gives  us  the  Average  Daily  Balance  for 
purchases, cash advances and balance transfers.

10.  PERIODIC  RATE  AND  CORRESPONDING 
ANNUAL PERCENTAGE RATE.
a.  Variable  Rate. During an introductory period, we 
  offer a fixed Annual Percentage Rate for purchases, 
cash  advances  and  balance 
transfers.  The 
introductory period is six months for purchases and 
cash  advances  and  nine  months  for  balance 
introductory  period,  your 
transfers.  After  the 
  Annual Percentage Rate will be variable based on 
the following terms. The Interest Charge imposed 
  during  the  billing  cycle  will  be  determined  by 
  multiplying the Average Daily Balance by the Daily 
  Periodic  Rate  times  the  number  of  days  in  the 
  billing  cycle.  The  Periodic  Rate  and  Annual 
  Percentage  Rate  are  variable  based  on  a  margin 
  and  an 
is  the  highest  Prime 
  Rate published in the Western Edition of the Money  
  Rates Section of the Wall Street Journal. We add a  
  margin  to  the 
index  to  obtain  the  Annual  
  Percentage  Rate.  The  margin  we  add  may  range  
from  7.74%  to  14.75%  based  upon  your  credit  
the  
index 
  qualifications.  The 
  1st  day  of  the  billing  cycle  immediately  following  
the  expiration  of  the  Introductory  Rate  period  
  and  subsequently,  on  the  15th  day  of  the  month  
immediately proceeding the 1st day of each billing  
cycle,  rounded  to  the  nearest  .25  percentage  
  point.  The  index  plus/minus  margin  equals  the  
  Annual  Percentage  Rate.  The  Annual  Percentage  
  Rate  is  divided  by  365  to  determine  the  Daily  

is  determined 

index,  which 

  Periodic Rate. Changes in the Annual Percentage  
  Rate  may  affect  the  amount  of  the  payment  and  
the number of payments you will make. The Annual  
  Percentage  Rate  will  never  exceed  18.00%.  The  
  Annual  Percentage  Rate  and  Periodic  Rate  
  applicable  to  your  account  will  be  based  upon  
your  credit  qualification  and  margin  assigned  to  
you and will be disclosed on a separate disclosure  
  accompanying  your  Card  or  this  Agreement  and  
shown  on  each  monthly  statement.  The  “Total  
Interest Charge” shown on your monthly statement  
Interest  Charge  on  
consists  of  the  periodic 
  purchases,  the  periodic  Interest  Charge  on  cash  
  advances and Cash Advance (Interest Charge) fees.
b. Default Rate. The Daily Periodic Rate and Annual 
  Percentage  Rate  may  increase  if  your  minimum 
  payment has not been received within 60 days after 
the due date for such payment, in which case the 
  Annual  Percentage  Rate  for  your  entire  balance 
  will immediately increase to 18.00%. Following the 
  default  rate  increase,  if  you  make  your  payments 
  on time for six (6) consecutive months, the Annual 
  Percentage Rate based on a default will terminate 
  and  the  prevailing  variable  Annual  Percentage 
  Rate will apply.

11. CONDITIONS UNDER WHICH OTHER CHARGES 
MAY  BE  IMPOSED.  You  agree  to  pay  the  following 
fees and charges on your Account:
a.  Late  Fee.  If  we  do  not  receive  your  minimum  
  payment by the payment due date shown on your  
statement, you agree to pay a Late Fee of $25.00.
b.  Returned  Item  Charge.  If  any  check  or  draft  we  
receive from you as payment for any amount you  
  owe  to  us  is  returned  to  us  unpaid,  you  agree  to  
  pay a returned item fee of $25.00 or the amount of  

the returned item, whichever is less.

c.  ATM  Fees.  If  you  use  an  ATM  to  obtain  a  cash  
  advance  and  the  ATM  is  not  operated  by  us,  
you  may  be  charged  an  ATM  surcharge  by  the  
  ATM operator or an ATM network utilized for such  
  a transaction. The ATM surcharge may be charged  
to your account if you complete the transaction.
d.  Attorney’s  Fees  and  Costs.  If  you  default  on  
  any  part  of  this  Agreement,  you  agree  to  pay  us  
  all  costs  to  collect  your  Account,  including  court  
costs and reasonable attorney fees and collection  
  agency  costs  whether  or  not  there  is  a  lawsuit,  
  and  fees  on  any  appeal  and  fees  for  bankruptcy  
  proceedings,  appeals,  and  any  post  judgment  

collection services, if applicable.

12.  CONDITIONS  OF  CARD  USE.  The  use  of  your