LAPFCU
ADDENDUM TO PLATINUM REWARDS VISA® CREDIT CARD
AGREEMENT & FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT
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Interest Rates and Interest Charges	Platinum
Annual Percentage Rate (APR) for Purchases	0.00% introductory APR for six months. Afterthat,myAPRwillbe 9.90%. ThisAPR will vary with the market based on the Prime Rate.
APRfor CashAdvances	0.00% introductory APR for six months. Afterthat,myAPRwillbe 9.90^G. ThisAPR will vary with the market based on the Prime Rate.
APR for Balance Transfers	0.00% introductory APR for six months. After that, my APR will be 9.90%. This APR will vary with the market based on the Prime Rate.
PenaltyAPR andWhen itApplies	17.90% This APR may be applied to my account if I: 1)	Make a late payment; or 2)	Makeapaymentthatisreturned. How Long Will the Penalty APR Apply? If my APR is increased for any of these reasons, the Penalty APR will apply until I make six consecutive minimum payments when due.
Paying Interest	My due date is at least 25 days after the close of each billing cycle. You will notcharge me interest on purchases or balance transfers if I pay my entire balance by the due date each month. You will begin charging interest on cash advances on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumeifinance.gov/learninore.
Fees
Annual Fee	None
Transaction Fees • Balance Transfers •CashAdvance • Foreign Transactions	None Either $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00). 1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars
Penalty Fees • Late Payment • Returned Payment	$15.00 $25.00
How You Will Calculate My Balance: You use a method called “average daily balance (including new purchases).” I must see my account agreement for more details.
Loss of Introductory APR: You may end my introductory APR and apply the Penalty APR if I make a late payment.
Billing Rights: Information on my rights to dispute transactions and how to exercise those rights is provided in my account agreement.
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ADDENDUM TO PLATINUM REWARDS VISA® CREDIT CARD
AGREEMENT & FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT
Retainforyourrecords
As of October 1,2019, the variable ANNUAL PERCENTAGE RATE (APR) for purchases, balance transfers, and cash advances is the U.S. Prime Rate plus a margin of 4.65%. The Monthly Periodic Rate in effect for your Platinum Rewards VISA® Credit Card is 0.8250% with a corresponding APR of 9.90%. NOTE: Recently opened Platinum Rewards VISA® Credit Card Accounts continue to be subject to the introductory Monthly Periodic Rate of 0.00% with a corresponding APR of 0.00% as disclosed in the Platinum Rewards VISA® Credit Card Account Agreement and Federal Disclosure Statement during the first six (6) monthly billing cycles after the account is established. Thereafter, the APR will convert to avariable rate.
LOS ANGELES POLICE FEDERAL CREDIT UNION SCHEDULE OF FEES
EFFECTIVE APRIL 1, 2016 PLATINUM REWARDS VISA® CREDIT CARD ACCOUNTS
Annual Fee.......................................................................None
Late Payment Fee...............................................................$15.00
PLATINUM REWARDSVISA® CreditCard Loan	Checkstop payment(peritem)...........$20.00
PLATINUM REWARDS VISA® Credit Card Returned Payment Fee (per item).............$25.00
PLATINUM REWARDS VISA® Credit Card Statement copy (per copy)....................$5.00
Law Enforcement’s Premier Credit Union Since 1936
P-678A (10/19)
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