Visa Credit Card 
Agreement

INTRODUCTION.

1. 
This  VISA  Credit  Card  Agreement  (Agreement)  and  the  Account 
Disclosures accompanying this Agreement will govern your Platinum 
VISA  or  Platinum  VISA  with  Rewards  account  issued  by  OnPoint 
Community Credit Union. In this Agreement the words “you,” “your,” 
“yours,” “applicant,” and “Borrowers” mean any person who signs the 
application for this Account, any joint obligor, guarantor, authorized 
user,  or  the  person  whose  name  is  embossed  on  the  Card.  The 
words “we,”  “our,” and “OnPoint” means OnPoint Community Credit 
Union. The word “Card” means any one or more credit cards issued 
under  OnPoint’s  Platinum  VISA  or  Platinum  VISA  with  Rewards 
program. Except as otherwise specified in this Agreement, all terms 
and  conditions  of  this Agreement  apply  to  any  Card  issued  under 
any  of  the  above-referenced  programs.  If  you  sign  a  written  or 
online application for this Account or sign or use any Card or 
PIN, or allow others to use the Card or PIN, you and they will 
have  accepted  this Agreement  just  as  if  you  and  they  signed 
it, and you and they, jointly and severally, will be bound by the 
following terms and conditions which will govern this Account. 

ACCOUNT ACCESS.

2. 
A.  Purchases  and  Cash Advances.    You  must  sign  the  Card 
to use it.  Once you have signed the Card, you can use it to make 
purchase,  cash  advance  and  balance  transfer  transactions  up  to 
the full amount of your credit line. You may use your Account to get 
cash advances from OnPoint. You may also use your Card to get a 
cash advance from participating financial institutions or automated 
teller machines (ATMs). You may use your Card to purchase goods 
and  services  any  place  your  Card  is  honored  by  participating 
merchants.  No  purchase  amount  may  exceed  the  available  funds 
in your account. Only credit card balance transfers you make from 
another institution will be permitted and treated as a cash advance. 
OnPoint reserves the right to refuse any transaction that would draw 
upon insufficient funds.

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B.  VISA  Convenience  Checks.  If  we  approve,  you  may 
obtain  advances  under  your  Account  by  writing  preprinted  VISA 
convenience  loan  checks  that  we  supply  to  you. Your  use  of  loan 
checks will be shown as cash advances on your monthly statement. 
We  may  not  honor  your  loan  check  if:  your  check  is  post-dated; 
payment  of  the  check  would  exceed  your  credit  limit;  a  check  is 
signed  by  a  person  without  authorized  access;  the  amount  of  the 
check is less than the minimum required amount; your Account has 
been  terminated  or  suspended,  or  any  drafts  have  been  reported 
lost or stolen. You may stop payment on a loan check if you provide 
OnPoint  with  the  exact  information  describing  the  check.  If  you 
give  OnPoint  incorrect  information,  we  will  not  be  responsible  for 
failing  to  stop  payment.  You  understand  there  may  be  a  charge 
for each stop payment order requested. Our liability for a wrongful 
dishonor  is  limited  to  your  actual  charges,  however,  a  dishonor 
for  the  reasons  stated  above  is  not  a  wrongful  dishonor.  Only  the 
person  whose  name  is  printed  on  a  convenience  check  may  sign 
it. All convenience checks must be written in U.S. dollars. We will 
not  certify  a  convenience  check.  You  may  write  these  checks  for 
any  amount  providing  your  total  outstanding  balance  does  not 
exceed  your  available  credit  limit  and  your  credit  card  remains  in 
good  standing.  We  are  entitled  to  return  it  unpaid  if  there  is  not 
enough  available  credit  on  your  account  to  pay  it,  if  you  are  in 
default  under  this Agreement,  if  your  card  or  convenience  checks 
have  been  reported  lost  or  stolen,  or  if  the  convenience  check  is 
post-dated.  Over-limit  fees  will  be  charged  as  applicable. A  VISA 
convenience  check  may  not  be  used  to  make  a  payment  on  your 
Account. OnPoint shall have no liability for any convenience check 
returned in excess of your credit line. 

C.  Overdraft Advances. In the event we have approved overdraft 
protection  for  you,  for  any  overdrafts  on  a  savings  or  checking 
account of yours, we will treat the overdraft as a request for a cash 
advance on your credit line and we will transfer this amount to your 
overdrawn  account.  For  purposes  of  this Agreement,  an  overdraft 
advance will be treated as a cash advance.

YOU PROMISE TO PAY.

3. 
You  promise  to  pay  OnPoint  all  such  amounts,  plus  any  Interest 
Charges,  which  arise  from  use  of  the  Card  or Account  by  you  or 
any other person, and to be jointly and severally liable with such a 
person, unless such other person does not have actual, implied, or 
apparent authority for such use, and you received no benefit from 
the use. You promise to pay OnPoint either by direct payment or by 
automatic transfers from savings or checking.  

CREDIT LINE.

4. 
This  Agreement  will  constitute  a  revolving  line  of  credit  for  an 
amount, which will be the credit line under your Account.  You may 
access your credit line through Card purchases, cash advances at 
participating merchants and loan checks. We will advise you of the 
amount of your credit line on your statement. That amount will be 
the maximum amount you may have outstanding at any one time. 
You agree not to attempt to obtain more credit than the amount of 
your  credit  line.  We  retain  the  right  to  increase  or  decrease  your 
credit line at any time for any reason. Any increase or reduction on 
the limit of your credit line will be shown on your monthly statement 

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or by separate notice together with any changes in the applicable 
minimum  monthly  payments.  Your  eligibility  for  this  credit  line  is 
determined  by  our  loan  policy  and  may  be  terminated  at  our  sole 
discretion, without demand or notice. You may close your credit line 
at any time by notifying OnPoint in writing and returning all Cards cut 
in half. If you terminate this Agreement or if we terminate or suspend 
your  credit  privileges,  the  provisions  of  this  Agreement  and  your 
liability hereunder shall otherwise remain in full force and effect until 
you have paid OnPoint all sums due OnPoint under this Agreement 
and returned all Cards.

5.  MINIMUM MONTHLY PAYMENT.
You agree that you will pay each month not less than the minimum 
monthly  payment  on  or  before  the  scheduled  monthly  due  date. 
The  minimum  monthly  payment  will  be  2%  of  your  outstanding 
balance  (“New  Balance”)  or  $10.00,  whichever  is  greater.  If  your 
outstanding  balance  is  $10.00  or  less,  you  agree  to  pay  the 
balance in full. The total minimum payment due each month is the 
minimum monthly payment, any amounts past due and any overlimit 
amounts.  You  may  pay  in  full  for  all  your  purchases  and  cash 
advances  each  month,  or  you  may  repay  in  monthly  installments. 
We  can  accept  late  payments  or  partial  payments,  or  checks, 
drafts, or money orders marked “payment in full” without prejudice 
to  our  rights  under  this  Agreement,  which  are  hereby  explicitly 
reserved. A  credit  posting  from  a  merchant  or  reversal  of  fees  do 
not  constitute  a  minimum  monthly  payment.  Your  payments  may 
be  allocated  at  the  Credit  Union’s  discretion  to  pay  off  lower  rate 
balances, such as promotional offers, before higher rate balances, 
such  as  cash  advances  or  purchases.  Payments  in  excess  of the 
minimum  payment  will  be  allocated  first  to  higher  rate  balances, 
as  applicable.  From  time  to  time,  we  may  allow  you  to  skip  your 
minimum monthly payment due. If you choose to skip that payment, 
Interest  Charges  will  continue  to  accrue  in  accordance  with  this 
Agreement.  Payments  received  at:  OnPoint  Community  Credit 
Union, PO Box 31112, Tampa, FL 33631-3279 at or before 5:00 PM 
Eastern 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 Eastern Time, on a weekend or federal holiday will be posted to 
your Account as of the next business day. Payment crediting to your 
Account may be delayed up to five days if your payment is received 
by mail at any other address or not accompanied by the remittance 
portion of your Account statement.

SECURITY INTEREST.

6. 
You  grant  OnPoint  a  security  interest  under  the  Oregon  Uniform 
Commercial  Code  in  any  goods  purchased  with  your  Card.  You 
agree  that  all  collateral  you  have  given  OnPoint  to  secure 
other  open-end  consumer  loan  obligations  (except  dwelling- 
secured  loans),  in  the  past  and  in  the  future,  will  secure 
your obligations under this Agreement.  In addition, by signing 
the  Card  Application,  you  have  given  OnPoint  a  security  interest 
in  all  your  deposits,  present  and  future,  and  all  accounts  (except 
Individual  Retirement  Accounts)  with  OnPoint.  You  agree,  upon 
default, OnPoint may apply all that is secured to pay any amounts 
due  under  this Agreement,  without  further  notice  to  you. You  also 
agree that cross-collateralization is a condition of receiving your card. 

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7.  MONTHLY STATEMENTS.
Each month we will send you a statement showing purchases, cash 
advances, payments, and credits made to your Account during the 
billing cycle, as well as your “New Balance,” any Interest Charge and 
any late charge or other charges. Your statement also will identify the 
minimum monthly payment you must make for that billing period and 
the date it is due. You agree to retain for statement verification copies 
of transaction slips resulting from each purchase, each advance, and 
other transactions on your Account. Unless you notify OnPoint of a 
billing error as described below, you accept your monthly statement 
as an accurate statement of your Account with OnPoint.

8. 

CIRCUMSTANCES UNDER WHICH AN 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 fees 
and Interest Charges will be shown on the Periodic Statement for 
that billing cycle as the “New Balance.”

A.  Cash Advances and Balance Transfers. An Interest Charge 
will  be  imposed  on  cash  advances  (including  balance  transfers, 
convenience  check  advances  and  overdraft  advances)  from  the 
date each cash advance is made or the first date of the billing cycle 
in which the cash advance is posted, whichever is later, until such 
advances  are  paid.  There  is  no  time  period  within  which  to  pay 
to  avoid  a  periodic  Interest  Charge  on  cash  advances,  including 
balance transfers and convenience check cash advances.

B.  Purchases.  An Interest Charge will be imposed on the portion 
of purchases included in the new balance that remains unpaid 25 
days after the closing date. This “grace period” allows you to avoid 
an Interest Charge on purchases for a billing cycle. However, to the 
extent you do not pay your purchase transactions from the previous 
billing cycle within the grace period, your Interest Charge will accrue 
from the date purchases are posted to your account.

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

We  figure  the  Interest  Charge  on  your  Account  by  applying  the 
Periodic  Rate  to  the  “Average  Daily  Balance”  of  the  account 
including current purchases and cash advances for your Account. 
To get the “Average Daily Balance” we take the beginning purchase 
and  cash  advance  balances  of  your  Account  each  day,  add  any 
new  purchases  and  cash  advances  and  subtract  any  payments 
or  credits,  unpaid  Interest  Charges  and  unpaid  late  charges.  The 
Interest  Charge  is  determined  by  multiplying  the  average  daily 
balance by the number of days in the billing cycle and applying the 
Periodic  Rate  to  that  amount.  No  Interest  Charge  is  imposed  on 
purchases  to  the  extent  payments  and  credits  for  purchases  are 
made within 25 days of the closing date of the previous billing cycle.  
The  “Total  Interest  Charge”  shown  on  your  monthly  statement 
consists  of  the  periodic  Interest  Charge  on  purchases  and  the 
periodic Interest Charge on cash advances.

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10.  PERIODIC  RATE  AND  CORRESPONDING  ANNUAL 

PERCENTAGE RATE (VARIABLE).

A.  Standard Rates. To obtain the Periodic Rate, we divide the 
Annual Percentage Rate by 365. The Annual Percentage Rate may 
change as of the first day of each billing cycle, based on an index 
which is The Wall Street Journal Western Edition Prime Rate as of 
the 10th day of the month (or next business day if the 10th falls on 
a weekend), plus a margin. If the Prime Rate changes on the 10th 
day of the month, the change will be effective on the 1st day of your 
next billing cycle following the change. The margin for your Account 
depends on your credit profile and will be set forth in the Account 
Disclosure  that  is  provided  when  your Account  is  opened,  and  is 
incorporated in this Agreement.   

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

C.  Default Rate. In the event you are in default of this Agreement, 
or if you have more than one late payment in twelve (12) months, 
the  Annual  Percentage  Rate  on  your  entire  outstanding  balance 
will  be  increased  by  3.00%  above  your  current  variable  Annual 
Percentage Rate on the first day of the new billing cycle following 
the late payment or notice of default and will continue until you have 
six (6) months without any late or insufficient minimum payments or 
you satisfy the default condition.

11.  CONDITIONS UNDER WHICH OTHER CHARGES MAY BE 

IMPOSED.

We may impose the following fees and charges on your Account:

Late Fee. If we do not receive your minimum payment within 
A. 
3  days  of  the  due  date,  we  may  impose  a  Late  Fee  of  $25.00 
(balances  greater  than  $1000);  $20  (balances  $100-$1000);  $10 
(balances  $99  or  less).  If  you  have  more  than  one  late  payment 
in  twelve  (12)  months,  your  account  may  be  subject  to  a  default 
Annual Percentage Rate as set forth above.

B.  Returned  Item  Fee.  If  any  check  we  receive  from  you  as 
payment on your Account is returned to OnPoint unpaid or for any 
convenience check drawn on your Account that is returned unpaid, 
we may impose a Returned Item Fee of $25.00.

C.  Card  Replacement  Fee.  We  may  impose  a  $5.00  card 
replacement fee for each VISA card, which is lost, stolen, or damaged. 

D.  Annual Fee. There is no annual fee for use of your Card and 
account.

E.  Miscellaneous  Photocopying.  If  you  request  a  copy  of  a 
sales draft or other document, we may charge your Account $2.00 
per  copy  and  $25.00  per  hour.  These  charges  cover  the  costs  of 
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locating, copying, and delivering the documents to you. If a request 
is related to a billing error and an error is found, we will reverse any 
photocopying charges.

ATM Fees. If you use an ATM to obtain a cash advance and 
F. 
the ATM is not operated by OnPoint, you may be charged an ATM 
surcharge by the ATM operator or an ATM network utilized for such 
a transaction. The ATM surcharge may be charged to your account 
if you complete the transaction.

G.  Attorney’s  Fees  and  Costs.    If  you  default  on  any  part  of 
this Agreement, you agree to pay OnPoint all costs to collect your 
Account,  including  court  costs  and  reasonable  attorney  fees  and 
collection agency costs whether or not there is a lawsuit, and fees 
on any appeal and fees for bankruptcy proceedings, appeals, and 
any post judgment collection services, if applicable.

12.  CONDITIONS OF CARD USE.
The  use  of  your  Card  and  Account  are  subject  to  the  following 
conditions:

A.  Ownership of Cards.  Any Card or other credit instrument or 
device which we supply to you is our property and must be returned 
to OnPoint, or to any person whom we authorize to act as our agent, 
or to any person who is authorized to honor the Card, immediately 
according  to  instructions.  The  Card  may  be  repossessed  at  any 
time  at  our  sole  discretion  without  demand  or  notice.  You  cannot 
transfer your Card or Account to another person. You may not use 
the Card for any illegal or unlawful transactions and we may decline 
to authorize any transaction that we believe poses an undue risk of 
illegality or unlawfulness.

B.  Honoring the Card. Neither we nor merchants authorized to 
honor the Card will be responsible for the failure or refusal to honor 
the Card or any other credit instrument or device we supply to you. 
If a merchant agrees to give you a refund or adjustment, you agree 
to accept a credit to your Account in lieu of a cash refund.

C.  Currency Conversion/Foreign Transaction Fee. Purchases 
and cash advances made in foreign countries will be billed to you 
in  U.S.  dollars.  The  currency  conversion  rate  for  international 
transactions  as  established  by  VISA  International,  Inc.  is  a  rate 
selected  by  VISA  from  the  range  of  rates  available  in  wholesale 
currency markets for the applicable central processing date, which 
rate may vary from the rate VISA itself receives, or the government- 
mandated rate in effect for the applicable central processing date. In 
addition, you will be charged a Foreign Transaction Fee of 1% of the 
transaction amount for any card transaction made in a foreign country. 

D.  Notices  and  Payments.  All  notices  will  be  sent  to  your 
address  as shown  on your OnPoint account. You  agree  to advise 
OnPoint promptly if you change your mailing address. All payments 
should  be  mailed  to  OnPoint  at  the remittance  address  shown  on 
your monthly statements. Payments received at that address will be 
credited to your Account as of the date received.

E. 

Security of Access Code. The personal identification number 

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(PIN) or access code that you select is for your security purposes. 
The access code is confidential and should not be disclosed to third 
parties or recorded. You are responsible for safekeeping your access 
code. You agree not to disclose or otherwise make your access code 
available to anyone not authorized to sign on your accounts. If you 
authorize anyone to have or use your access code, you understand 
that  person  may  review  all  of  your  account  information  and  make 
account transactions. Therefore, we are entitled to act on transaction 
instructions received using your access code and you agree that the 
use of your access code will have the same effect as your signature 
authorizing transactions. If you authorize anyone to use your access 
code  in  any  manner  that  authority  will  be  considered  unlimited  in 
amount and manner until you specifically revoke such authority by 
notifying OnPoint and changing your access code immediately. You 
are responsible for any transactions made by such persons until you 
notify OnPoint that transactions and access by that person are no 
longer  authorized  and  your  access  code  is  changed.  If  you  fail  to 
maintain or change the security of these access codes and OnPoint 
suffers a loss, we may terminate your electronic funds transfer and 
account services immediately. 

13.  DEFAULT.
You  will  be  in  default  under  this Agreement if any  of the  following 
occur: (a) Any minimum monthly payment is not made when due; 
(b) You become insolvent, bankrupt, or you die; (c) You violate any 
part of this Agreement, or any other agreement with OnPoint; or (d) 
if we reasonably deem ourselves insecure on your credit line. We 
will notify you in writing of any such action as soon as practical if it 
occurs.  Upon  default,  we  may  declare  the  entire  unpaid  balance 
immediately  due  and  payable,  and  you  agree  to  pay  that  amount 
plus any attorney’s fees and costs including collection agency costs 
incurred  by  OnPoint.  We  can  delay  enforcing  any  right  under  this 
Agreement  without  losing  that  right  or  any  other  right. A  negative 
credit report reflecting on your credit record may be submitted to a 
credit-reporting agency if you fail to fulfill the terms of this Agreement. 

14.  CREDIT INFORMATION/FINANCIAL STATEMENTS.
You authorize OnPoint to release information to others (e.g., credit 
bureaus, merchants, and other financial institutions) regarding the 
status and history of your credit line. You agree to provide OnPoint, 
at any time we deem necessary, with a current financial statement 
and updated credit information upon request. We may  investigate 
your credit directly or through a credit reporting agency.

15.  UNAUTHORIZED USE, LOSS OR THEFT OF CREDIT CARD
You  agree  to  notify  OnPoint  immediately  of  the  loss,  or  the  theft, 
or  the  use  without  your  permission,  of  any  Card  or  other  credit 
instrument or device, which we supply to you. You may be liable for 
the unauthorized use of your Card. You will need to notify: OnPoint 
Community Credit Union at PO Box 31112, Tampa, FL 33631-3112 
or by telephone at 1-866-820-3101 orally or in writing of loss, theft, 
or possible unauthorized use. If you notify OnPoint of your lost or 
stolen  Credit  Card  after  discovery,  you  may  not  be  liable  for  any 
losses  related  to  credit  transactions.  This  zero  liability  will  apply 
provided  you  were  not  grossly  negligent  or  fraudulent  in  handling 
your Card; otherwise your liability for unauthorized VISA Credit Card 
transactions shall not exceed $50.

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16.  YOUR CREDIT CARD BILLING RIGHTS
Keep this document for future use. This notice tells you about your 
rights and our responsibilities under the Fair Credit Billing Act.

A.  What to do if you find a mistake on your statement. If you 
think  there  is  an  error  on  your  statement,  write  to  us  at:  OnPoint 
Community Credit Union, P.O. Box 31112, Tampa, FL 33631-3279. 
In your letter, give us the following information:
Account information: Your name and account number.
• 
Dollar amount: The dollar amount of the suspected error.
• 
Description of problem: If you think there is an error on your 
• 
bill, describe what you believe is wrong and why you believe it is a 
mistake.

You must contact us:
Within 60 days after the error appeared on your statement.
• 
At  least  3  business  days  before  an  automated  payment  is 
• 
scheduled, if you want to stop payment on the amount you think is 
wrong.

You must notify us of any potential errors in writing . You may call us, 
but if you do we are not required to investigate any potential errors 
and you may have to pay the amount in question.

B.  What  will  happen  after  we  receive  your  letter.  When  we 
receive your letter, we must do two things:
1.  Within 30 days of receiving your letter, we must tell you that 
we  received  your  letter.  We  will  also  tell  you  if  we  have  already 
corrected the error.
2.  Within 90 days of receiving your letter, we must either correct 
the error or explain to you why we believe the bill is correct.

We cannot try to collect the amount in question, or report you

The charge in question may remain on your statement, and

While we investigate whether or not there has been an error:
• 
as delinquent on that amount.
• 
we may continue to charge you interest on that amount.
• 
responsible for the remainder of your balance.
• 

We can apply any unpaid amount against your credit limit.

While you do not have to pay the amount in question, you are

If we made a mistake: You will not have to pay the amount in 

After we finish our investigation, one of two things will happen:
• 
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.

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C.  Your  rights  if  you  are  dissatisfied  with  your  credit  card 
purchases. If you are dissatisfied with the goods or services that 
you  have  purchased  with  your  credit  card,  and  you  have  tried  in 
good faith to correct the problem with the merchant, you may have 
the right not to pay the remaining amount due on the purchase. To 
use this right, all of the following must be true:
1. 
The  purchase  must  have  been  made  in  your  home  state  or 
within 100 miles of your current mailing address, and the purchase 
price must have been more than $50. (Note: Neither of these are 
necessary if your purchase was based on an advertisement we mailed 
to you, or if we own the company that sold you the goods or services.) 
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. 
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.

You must not yet have fully paid for the purchase.

17.  AMENDMENTS.
We  reserve  the  right  to  amend  the  terms  of  this  Agreement  at 
any time as permitted by and subject to any limitations and notice 
requirements of applicable law.

18.  GOVERNING LAW.
This Agreement will not take effect until it is approved by OnPoint. 
This Agreement shall be governed by the laws of the State of Oregon. 

19.  NOTICE AND AGREEMENT. 
You understand and agree to the terms and conditions in this VISA 
Credit Card Agreement. You acknowledge that you have received 
a  copy  of  the Agreement. This Agreement  is  a  final  expression  of 
the agreement between you and OnPoint. This Agreement may not 
be contradicted by evidence of any oral agreement or alleged oral 
agreement and contains the terms applicable to the credit transaction. 

20.  REWARDS. 
Features are subject to Terms and Conditions posted at
www.curewards.com.

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