error or explain to me why you believe the bill is correct.

2.  Within  90  days  of  receiving  my  letter,  you  must  either  correct  the
  delinquent on that amount.
• The charge in question may remain on your statement, and you may
While you investigate whether or not there has been an error:
  continue to charge me interest on that amount.
•  You  cannot  try  to  collect  the  amount  in  question,  or  report  me  as
• While I do not have to pay the amount in question, I am responsible
  for the remainder of my balance.
•  The charge in question may remain on your statement, and you may 
• You can apply any unpaid amount against my credit limit.

continue to charge me interest on that amount.

delinquent on that amount.

for the remainder of my balance.

•  While I do not have to pay the amount in question, I am responsible
After  you  finish  your  investigation,  one  of  two  things  will 
happen:
•  You can apply any unpaid amount against my credit limit.
• If you made a mistake: I will not have to pay the amount in question
After you finish your investigation, one of two things will happen:
  or any interest or other fees related to that amount.
•  If you made a mistake: I will not have to pay the amount in question
•  If  you  do  not  believe  there  was  a  mistake:  I  will  have  to  pay  the
  amount in question, along with applicable interest and fees. You will
•  If  you  do  not  believe  there  was  a  mistake:  I  will  have  to  pay  the
  send me a statement of the amount I owe and the date the payment
amount in question, along with applicable interest and fees. You will
send me a statement of the amount I owe and the date the payment
  is  due.  You  may  then  report  me  as  delinquent  if  I  do  not  pay  the
is  due.  You  may  then  report  me  as  delinquent  if  I  do  not  pay  the
  amount you think I owe.
amount you think I owe.

or any interest or other fees related to that amount.

If  I  receive  your  explanation  but  still  believe  my  bill  is  wrong,  I  must 
If  I  receive  your  explanation  but  still  believe  my  bill  is  wrong,  I  must 
write to you within 10 days telling you that I still refuse to pay. If I do 
write to you within 10 days telling you that I still refuse to pay. If I do 
so, you cannot report me as delinquent without also reporting that I am 
so, you cannot report me as delinquent without also reporting that I am 
questioning my bill. You must tell me the name of anyone to whom you 
questioning my bill. You must tell me the name of anyone to whom you 
reported me as delinquent, and you must let those organizations know 
reported me as delinquent, and you must let those organizations know 
when the matter has been settled between us. 
when the matter has been settled between us.
If you do not follow all of the rules above, I do not have to pay the first 
If you do not follow all of the rules above, I do not have to pay the first
$50 of the amount I question even if my bill is correct.
$50 of the amount I question even if my bill is correct.
My Rights If I Am Dissatisfied With My Credit Card Purchases
If I am dissatisfied with the goods or services that I have purchased 
My Rights If I Am Dissatisfied With My Credit Card Purchases
with my credit card, and I have tried in good faith to correct the prob-
If I am dissatisfied with the goods or services that I have purchased with 
lem with the merchant, I may have the right not to pay the remaining 
my credit card, and I have tried in good faith to correct the problem with 
amount due on the purchase.
the merchant, I may have the right not to pay the remaining amount 
To use this right, all of the following must be true:
due on the purchase.
1.  The purchase must have been made in my home state or within 100 
miles of my current mailing address, and the purchase price must
To use this right, all of the following must be true:
have been more than $50. (Note: Neither of these are necessary if
1. The purchase must have been made in my home state or within100 
my purchase was based on an advertisement you mailed to me, of if 
  miles of my current mailing address, and the purchase price must
you own the company that sold me the goods or services.)
  have been more than $50. (Note: Neither of these are necessary if
2.  I must have used my credit card for the purchase. Purchases made 
with cash advances from an ATM or with a check that accesses my
  my  purchase  was  based  on  an  advertisement  you  mailed  to  me, 
credit card account do not qualify.
  of  if  you  own  the  company  that  sold  me  the  goods  or  services.)
3.  I must not have fully paid for the purchase.
2. I must have used my credit card for the purchase. Purchases made
If  all  of  the  criteria  above  are  met  and  I  am  still  dissatisfied  with  the 
  with cash advances from an ATM or with a check that accesses my 
purchase, I must contact you in writing or electronically at: 
  credit card account do not qualify.

Los Angeles Police Federal Credit Union  
P. O. Box 10188, Van Nuys, CA 91410-0188; or 

3. I must not have fully paid for the purchase.
I may contact you via secure e-mail by visiting the LAPFCU website, 
If  all  of  the  criteria  above  are  met  and  I  am  still  dissatisfied  with  the 
www.lapfcu.org, and clicking on “Contact” and “e-mail”. 
purchase, I must contact you in writing or electronically at:
While  you  investigate,  the  same  rules  apply  to  the  disputed  amount 
as discussed above. After you finish your investigation, you will tell me 
your decision. At that point, if you think I owe an amount and I do not 
pay, you may report me as delinquent.
I may contact you via secure e-mail by visiting the LAPFCU website, 
www.lapfcu.org, and clicking on “Contact” and “e-mail”.

Los Angeles Police Federal Credit Union
P. O. Box 10188, Van Nuys, CA 91410-0188; or

Platinum Rewards VISA 
Credit Card Agreement 
and Federal Truth-In-
Lending Disclosure 
Statement

EFFECTIVE: JUNE 1, 2014  
IMPORTANT DOCUMENT
PLEASE KEEP FOR YOUR RECORDS

LOST OR STOLEN CARDS
(866) 604-0381
(727) 570-4881

While  you  investigate,  the  same  rules  apply  to  the  disputed  amount 
as discussed above. After you finish your investigation, you will tell me 
your decision. At that point, if you think I owe an amount and I do not 
pay, you may report me as delinquent.
FORM L-560 06/14 

00582761

FORM L-560 2/18 

11
15

16150 SHERMAN WAY, VAN NUYS, CA 91406
PHONE (877) 695-2732 FAX (818) 787-3273
www.lapfcu.org 

 
 
In  this  Platinum  Rewards  VISA  Credit  Card Agreement  and  Federal 
Truth-in-Lending  Disclosure  Statement  (“Agreement”)  the  words  “I”, 
“me”,  “my”  and  “mine”  mean  each  and  all  of  those  who  apply  for,  or 
who sign for or use the Card and/or Account. The words “Credit Union”, 
“LAPFCU”, “you”, “your”, and “yours” mean Los Angeles Police Federal 
Credit Union. “Card” means the Platinum Rewards VISA Credit Card(s) 
issued  to  me  and  any  duplicates  and/or  renewals  you  may  issue. 
“Account”  means  my  Platinum  Rewards  VISA  Credit  Card  Account 
with you.

By requesting and receiving, signing, using or permitting others to use
the Card and/or Account issued to me by you, I agree to be bound by 
the terms and conditions as set forth herein and any amendments and/ 
or change in terms thereto.
NOTICE:  THIS  DOCUMENT  CONTAINS  PROVISIONS  FOR  A 
VARIABLE ANNUAL PERCENTAGE RATE.

AUTHORIZATION AND PAYMENT: I authorize you to pay and charge
my Account for all Purchases, Cash Advances and Balance Transfers 
made  or  obtained  by  me  or  anyone  I  authorize  to  use  my  Card  or 
Account.
I  will  be  obligated  to  pay  all  such  Purchases,  Cash  Advances  and 
Balance  Transfers  charged  to  my  Account  whether  resulting  from: 
(1) actual use of my Card or Convenience Checks; (2) mail order or 
telephone,  computer,  or  other  electronic  Purchases  made  without 
presenting the Card; or (3) any other circumstance where I authorize 
a charge, or authorize someone else to make a charge, to my Account 
(collectively, “authorized charges”). I promise to pay you or to your order 
in U.S. Dollars with an instrument drawn on a financial institution in the 
United States at your office or at the address set forth on my periodic 
statement all authorized charges on the terms and at the rates set forth 
herein, plus any FINANCE CHARGES assessed on my Account, and 
any other charges and fees which I may owe you under the terms of 
this Agreement (the “Account Balance”). Payments will continue until I 
have paid in full the Account Balance. To protect me and you, you may, 
in your sole discretion, place a temporary hold on the credit available 
to me any time you receive a payment of $1,000 or more from me via a 
payment method other than cash, certified funds or electronic transfer. 
In such cases, the hold on my available credit will remain in place until 
payment is actually collected by you.
CHANGE  OF  TERMS:  Account  and  agreement  terms  are  not 
guaranteed  for  any  period  of  time.  I  understand  and  agree  that  you 
may amend, modify, add to, or delete from this Agreement any of its 
terms  and  conditions,  including  financial  terms  such  as  the  method 
of application and the amount of any FINANCE CHARGE, ANNUAL 
PERCENTAGE RATE, Monthly Periodic Rate and/or fee in accordance 
with applicable laws. If required by applicable law, you will mail a notice 
of the change to me at my last known address. I also understand that
in the event of a significant change, as defined under the federal Truth
in Lending Act, any such notice will  be mailed  at least forty-five (45) 
days  prior  to  the  effective  date  of  the  significant  change  as  required 
by  applicable  law.  If  you  are  required  by  applicable  law  to  provide 
me a right to reject significant changes to this Agreement prior to the 
effective date of such changes, you will provide me with an explanation 
of how to reject the significant changes, unless I fail to make a required 
minimum payment within sixty (60) days after its due date. You may 
change the terms of this Agreement based on information in my credit
report,  market  conditions,  business  strategy  or  for  any  other  reason. 
Notice of a change in terms is required, but may be sent as late as the 

STOP PAYMENT: Provided such request is timely so that you have a 
reasonable opportunity to act upon it under your rules, I may order stop 
payment on a Check drawn on the Account, other than one that has 
been guaranteed. In the event of an oral stop payment order, the order 
shall be valid for only fourteen (14) days thereafter unless confirmed 
in writing. A written stop payment order will remain in effect only six (6) 
months unless renewed in writing. I have the burden of establishing the 
fact and amount of loss resulting from payment contrary to a binding 
stop payment order. You will charge a fee as set forth in the enclosed 
Schedule of Fees for each Check when I place a stop payment on my
Check(s) which will be billed to the Account. You are not required to 
notify  me  when  a  stop  payment  order  expires.    If  you  re-credit  my 
Account  after  paying  a  Check  over  a  valid  and  timely  stop  payment 
order,  I  agree  to  sign  a  statement  describing  the  dispute  with  the 
payee,  to  assign  to  you  all  of  your  rights  against  the  payee  or  other 
holders  of  the  check  and  to  assist  you  in  any  legal  action.    I  agree 
to  indemnify  and  hold  you  harmless  from  all  costs  and  expenses, 
including attorneys’ fees, damages, or claims, related to you honoring 
your  stop  payment  request  or  in  failing  to  stop  payment  of  an  item 
as  a  result  of  incorrect  information  provided  to  you  or  the  giving  of 
inadequate time to act upon a stop payment request.

SURRENDER OF VISA CHECKS: The Checks are your property. You 
reserve the right to revoke them at any time. I agree to return them at 
your request.

My Billing Rights: Keep this Document for Future Use
This notice tells me about my rights and your responsibilities under the 
Fair Credit Billing Act.

What To Do If I Find a Mistake on My Statement
If I think there is an error on my statement, I must write to you at:

Los Angeles Police Federal Credit Union
P.O. Box 10188, Van Nuys, CA 91410-0188

I  may  also  contact  you  via  secure  e-mail  by  visiting  the  LAPFCU 
website, www.lapfcu.org, and clicking on “Contact” and “e-mail”.

In my letter, I must give you the following information:

• Account information: My name and Account number.

• Dollar amount: The dollar amount of the suspected error.

• Description of problem: If I think there is an error on my bill, I must 
  describe what I believe is wrong and why I believe it is a mistake.

I must contact you:

• Within 60 days after the error appeared on my statement.

• At least 3 business days before an automatic payment is scheduled,  
  if I want to stop payment on the amount I think is wrong.

I  must  notify  you  of  any  potential  errors  in  writing  or  electronically.  I 
may call you, but if I do you are not required to investigate any potential 
errors and I may have to pay the amount in question.

What Will Happen After You Receive My Letter

When you receive my letter, you must do two things:

1.  Within  30  days  of  receiving  my  letter,  you  must  tell  me  that  you 
received my letter. You will also tell me if you have already corrected                                               
the error.

2.  Within  90  days  of  receiving  my  letter,  you  must  either  correct  the 
  error or explain to me why you believe the bill is correct.

While you investigate whether or not there has been an error:

• You cannot try to collect the amount in question, or report me as

1

14

 
 
 
 
deem necessary and appropriate from time to time, in accordance with 
applicable laws, and you may give information concerning your credit 
experience with me to others.

COPY RECEIVED: I acknowledge receipt of a copy of this Agreement
and agree to its terms. This Agreement is the contract which applies to 
all transactions on the Account even though the sales, Cash Advance,
credit  or  other  slips  I  sign  or  receive  may  contain  different  terms.  I 
understand  and  agree  that  all  of  those  who  apply  for  and  who  sign 
for or use the Card or the Account agree to and accept the terms and 
conditions of this Agreement.

NOTICE: See the statement below for important information regarding 
my right to dispute billing errors.
ADDITIONAL TERMS APPLICABLE TO VISA CHECKS

CHECK  USES:  I  can  use  the  VISA  Checks  (“Checks”  or  “Check)  to 
purchase goods and services or to obtain cash up to the amount of my 
Credit Limit, or to conduct Balance Transfers up to the amount of my 
Credit Limit by using my VISA check to pay a portion of or my entire 
account balance on a credit card issued by another financial institution. 
Use  of  the  Checks  is  a  Cash Advance  or  a  Balance Transfer  on  my 
VISA Account.  You  will  charge  interest  beginning  as  of  the  date  the 
Check posts to my account.  I cannot avoid paying interest on Check 
transactions.    Any  special  rules  applicable  to  credit  card  purchases 
described  in  this Agreement  or  any  other  features  pertaining  to  card 
purchases do not apply to Checks.

LIMITATIONS: You are not required to honor a Check that will cause 
me to exceed my Credit Limit. You may refuse to pay a Check if at the 
time the Check is presented, I am in default or you have suspended, 
terminated or canceled the Account, the Check is not in the form you 
have issued to me, my signature or the payee’s name or endorsement 
is  missing  on  the  Check  or  the  Check  appears  altered  or  my  Check 
is post-dated. Each Check must be in the form you have issued me. 
Checks  may  be  used  only  by  the  person(s)  whose  name(s)  is/are 
printed on the Check. I am responsible for all authorized uses of the 
Checks. I may not use the Checks to pay any amount which I owe you 
pursuant to this Agreement. Certain merchants may inform me of their 
intent to convert my Check payment to an electronic ACH debit.  For 
mailed payments, this notification will be provided at the time I receive 
a bill.  For payments made in person, this notification will be provided 
at  the  time  payment  is  made.    I  understand  and  agree  that  Checks 
are  ineligible  for  conversion  to  an ACH  debit  and  if  presented  by  a 
merchant to you for payment, you are required to reject and return the 
entry.    Using  Checks  for  payments  to  merchants  who  have  notified 
me of their intent to convert my check to an ACH debit may result in 
merchant returned item fees and/or late charges.  I further understand 
and  agree  that  I  may  not  attempt  to  authorize  a  one-time  advance 
from my Account via ACH by providing Check information (such as the 
routing, account, and serial numbers) to a merchant or other payee in 
person, via the Internet or by telephone for the purpose of having such 
merchant  or  other  payee  electronically  initiate  a  funds  transfer.   You 
will not be liable for any fees I incur as a result of your failure to honor 
a Check that is converted to an ACH debit. 

PERIODIC  STATEMENTS:  My  periodic  statement  will  show  me  an 
itemization  of  the  Checks  posted  to  the  Account  during  the  billing 
cycle. Checks paid by you will not be returned to me with my periodic 
statements.

effective date of the change where the change has been agreed to in 
writing, by me.
INTEREST  RATES  AND  INTEREST  CHARGES:  I  understand  that 
a  portion  of  my  FINANCE  CHARGES  incurred  during  a  billing  cycle 
will  include  my  INTEREST  CHARGES  incurred  during  that  billing 
cycle. The  INTEREST  CHARGE  for  a  billing  cycle  will  be  calculated 
by applying my Monthly Periodic Rate to my Average Daily Balance. I 
understand and agree that under the “Change of Terms” section above, 
you have the right in your sole and absolute discretion to change the 
amount  of  any  ANNUAL  PERCENTAGE  RATE,  Monthly  Periodic 
Rate  and/or  INTEREST  CHARGE  that  may  apply  to  my  Account. 
Monthly  Periodic  INTEREST  CHARGE,  Monthly  Periodic  Rate,  and 
ANNUAL PERCENTAGE RATE for Cash Advances, Balance transfers 
and Purchases: The initial Monthly Periodic Rate used in calculating 
the  Monthly  Periodic  INTEREST  CHARGE  is  a  discounted  Monthly 
Periodic  Rate  with  an  initial  discounted  ANNUAL  PERCENTAGE 
RATE as disclosed on the enclosed “Addendum to Platinum Rewards 
VISA  Credit  Card Agreement  &  Federal  Truth-in-Lending  Disclosure 
Statement” (“Addendum”) which accompanies this Agreement and is 
incorporated  herein  by  this  reference  as  though  set  forth  in  full. The 
initial  discounted  Monthly  Periodic  Rate  will  remain  in  effect  during 
my first six (6) monthly billing cycles, unless I fail to make a payment 
when due or I make a payment that is returned (for further information, 
please refer to the PENALTY ANNUAL PERCENTAGE RATE section 
below). Thereafter, the Monthly Periodic Rate used in calculating the 
Monthly  Periodic  INTEREST  CHARGE  for  Balance  Transfers,  Cash 
Advances  and  Purchases  is  based  upon  the  Prime  Rate  rounded  to 
the  nearest  1/100  of  1%  as  published  in  the  “Money  Rates”  section 
of the print edition of the Wall Street Journal as of March 1, June 1, 
September  1  and  December  1  of  each  year  (the  “Index”).  Following 
the  discounted  period,  my  ANNUAL  PERCENTAGE  RATE  for  Cash 
Advances, Purchases and Balance Transfers, is determined by adding 
a  Margin  to  the  Index  in  effect  as  of  the  first  (1st)  day  of  the  month 
preceding  the  month  of  my  “Adjustment  Date”  (defined  below).  The 
Index, Margin and Initial Monthly Periodic Rate in effect as of the date 
of this Agreement that would have been used in calculating the monthly 
Periodic  INTEREST  CHARGE  (applying  the  formula  below)  and  the 
corresponding initial ANNUAL PERCENTAGE RATE is also set forth 
in the enclosed Addendum.

Following  the  discounted  period  described  above,  my  ANNUAL 
PERCENTAGE  RATE  may  increase  or  decrease  every  quarter. Any 
such  change  will  be  based  on  an  increase  or  decrease  in  the  Index 
as  set  forth  herein.  In  the  event  that  the  Prime  Rate  ceases  to  be 
published,  changes  in  the  ANNUAL  PERCENTAGE  RATE  will  be 
related  to  a  comparable  Index.  You  may  waive  an  increase  in  the 
ANNUAL PERCENTAGE RATE when such an increase can be made, 
but such a waiver shall not be construed as a waiver of your right to 
increase  the  ANNUAL  PERCENTAGE  RATE  at  a  future  date  when 
entitled to do so.

Following the discounted period, my ANNUAL PERCENTAGE RATE 
is  subject  to  change  quarterly  on  the  first  day  of  the  monthly  billing 
cycle in January, April, July, and October. These dates shall be known 
as  “Adjustment  Dates.”  For  example,  the  Index  in  effect  on  March  1 
shall be used to calculate the ANNUAL PERCENTAGE RATE change 
effective as of the first day of the next billing cycle in April of the same 
year.  The  Index  in  effect  on  June  1  shall  be  used  to  calculate  the 
ANNUAL PERCENTAGE RATE change effective as of the first day of 

13

2

the next billing cycle in July of the same year. The Index in effect on 
September 1 shall be used to calculate the ANNUAL PERCENTAGE 
RATE  change  effective  as  of  the  first  day  of  the  next  billing  cycle  in 
October of the same year. The Index in effect on December 1 shall be
used to calculate the ANNUAL PERCENTAGE RATE change effective 
as of the first day of the next billing cycle in January of the following 
year.

There  is  no  maximum  ANNUAL  PERCENTAGE  RATE  during  the 
term of this Agreement, except that the maximum may not exceed the 
maximum  ANNUAL  PERCENTAGE  RATE  permitted  federal  credit 
unions  at  the  time  of  each  ANNUAL  PERCENTAGE  RATE  change. 
There is no minimum ANNUAL PERCENTAGE RATE that can apply 
during  the  term  of  this  agreement.  There  are  no  annual  (or  other) 
limitations on changes in the ANNUAL PERCENTAGE RATE during 
the term of this Agreement. Decreases in the ANNUAL PERCENTAGE 
RATE in accordance with the terms of this Agreement are mandatory. 
Increases in the ANNUAL PERCENTAGE RATE in accordance with 
the  terms  of  this Agreement  are  at  your  discretion. Any  increase  or 
decrease in the ANNUAL PERCENTAGE RATE will result in changes 
in the amount and/or number of payments required to repay the unpaid 
balance.  Each  change  in  the  ANNUAL  PERCENTAGE  RATE  and 
Monthly  Periodic  Rate  will  apply  to  any  outstanding  balance  on  the 
effective  date  of  such  change  as  well  as  to  future  Purchases,  Cash 
Advances  and  Balance  Transfers.  Written  notice  of  a  change  in  the 
Index and ANNUAL PERCENTAGE RATE will be provided to me on 
my billing statement prior to the bill ing cycle in which the new Index 
and ANNUAL PERCENTAGE RATE will apply.

The  Monthly  Periodic  INTEREST  CHARGE  for  each  billing  cycle 
will  be  calculated  by  applying  the Average  Daily  Balance  (described 
below) for the billing cycle to the Monthly Periodic Rate. The Monthly 
Periodic Rate is determined by dividing the ANNUAL PERCENTAGE 
RATE by 12 and will change when the ANNUAL PERCENTAGE RATE 
changes.

Periodic INTEREST CHARGES will be imposed on credit Purchases 
and Balance Transfers only if they are not paid in full within twenty-five 
(25)  days  after  the  Statement  Closing  Date  (“Grace  Period”).  To  the 
extent that the credit Purchase or balance transfer balance is not subject 
to a Grace Period, a periodic INTEREST CHARGE will be calculated 
on credit Purchases and balance transfers that I obtain with my Card 
as of the date such credit Purchase is posted to my Account and will 
continue  to  accrue  until  the  date  of  repayment.  Periodic  INTEREST 
CHARGES  will  be  imposed  on  Cash Advances  that  I  obtain  through 
the  use  of  my  Card  as  of  the  date  of  each  such  Cash Advance  and 
will  continue  to  accrue  until  the  Cash Advance  is  repaid. The  above 
INTEREST CHARGES and other FINANCE CHARGES for the billing
cycle will be shown on my periodic statement.

MINIMUM  INTEREST  CHARGE:  A  minimum  INTEREST  CHARGE 
of  $0.50  will  be  assessed  whenever  a  monthly  Periodic  INTEREST 
CHARGE is imposed. 
TRANSACTION  FEES:  I  understand  that,  in  addition  to  INTEREST 
CHARGES  incurred  during  a  billing  cycle  another  portion  of  my 
FINANCE  CHARGES  incurred  during  a  billing  cycle  may  include 
TRANSACTION  FEES 
that  billing  cycle.  My 
incurred  during 
TRANSACTION  FEES  for  a  billing  cycle  will  be  the  sum  of  two  (2) 
components  set  forth  below.  I  understand  and  agree  that  under  the 
“Change of Terms” section above, you have the right in your sole and 

NOTICES:    You  will  send  any  notices  to  my  billing  address,  or,  if  I 
have agreed to receive notices from you in an electronic format, you 
will send notices to me in an electronic form.  You consider a notice 
sent as soon as you mail it.  You consider an electronic notice sent as 
soon as you email it, unless you receive notification that the email was 
undeliverable. 

DELAY  IN  ENFORCEMENT:  You  can  delay  enforcing  any  of  your 
rights under this Agreement without losing them.

GOVERNING  LAW:  I  understand  and  agree  that  this  Agreement  is 
made  in  California  and  shall  be  governed  by  the  laws  of  the  State 
of  California  to  the  extent  that  California  law  is  not  inconsistent  with 
controlling  federal  law.  I  also  understand  and  agree  that  California’s 
choice  of  law  rules  shall  not  be  applied  if  they  would  result  in  the 
application of non-California law.

INTEGRATED DOCUMENT(S): Any separate sheet of paper labeled 
“Addendum  to  the  Platinum  Rewards  VISA  Credit  Card  Agreement 
and Federal Truth in Lending Disclosure Statement” which is delivered 
together  with  this  form  is  an  integral  part  of  the  Agreement  and  is 
incorporated herein as if set forth in full.

MEMBERSHIP REQUIREMENT: I understand and agree that I must 
be and remain a member in good standing with you to be eligible for 
continuing Account and/or Card privileges including future Purchases, 
Advances  and  Balance  Transfers.  I  understand  and  agree  that  you 
may suspend the Account and/or Card privileges during any period in 
which I do not maintain my membership in good standing with you. 

TERMINATION: You may terminate this Agreement upon my default. 
Either  you  or  I  may  terminate  this Agreement  for  other  good  cause. 
In no event shall any termination relieve me of my obligation to repay 
sums  already  borrowed,  FINANCE  CHARGES,  Late  Payment  Fees, 
and all other fees and charges hereunder, if any. I agree to return all of 
the Cards issued to me or any party designated by me.

CREDIT INFORMATION: I authorize you to investigate my credit when 
opening,  renewing  or  reviewing  the Account,  and  I  authorize  you  to 
disclose information regarding the Account to credit bureaus and other 
creditors  who  inquire  of  you  about  my  credit  standing  to  the  extent 
authorized  by  law.  I  understand  that  you  may  provide  information  to 
credit  bureaus  about  negative  information  concerning  my  Account 
(such  as  my  insolvency,  delinquency,  late  payment  or  default  on  my 
Account) which the credit bureaus may include in my credit report. If 
I  think  you  have  given  incorrect  information  to  a  consumer  reporting 
agency about me, I may contact you at (877) 695-2732 and you will 
research it.  You will let me know if you agree or disagree with me.  If 
you agree with me, you will contact each consumer reporting agency 
you reported to and request a correction.

CHANGE  OF  NAME,  ADDRESS,  EMPLOYMENT  STATUS: 
I 
understand  and  agree  that  I  must  report  to  you  any  change  in  my 
name, address, employment status, or any other information that may 
negatively affect my creditworthiness.

ACCURACY  OF  INFORMATION:  The  information  provided  in  my 
request for credit (Application) is accurate and I will notify you in writing 
immediately  if  there  is  a  change  in  my  financial  condition.  You  may 
retain the Application. I understand that it is a violation of Section 1014, 
Title 18, US Code to make false statements or over value security for
the  purpose  of  influencing  the  action  of  any  federally  insured  credit 
union.  You  may  gather  credit  and/or  employment  information  you 

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LOST OR STOLEN CARD(S), NOTIFICATION AND LIABILITY: I will
notify you AT ONCE by immediately calling you at (866) 604-0381 or, if 
I am outside of the U.S., call collect at (727) 570-4881, if I believe that
the  Card, Account  number,  PIN  or  any  combination  of  the  three  has 
been lost or stolen. Telephoning is the best way of keeping my possible 
losses down. I understand that my total liability to you shall not exceed 
$50.00  for  any  Account  and/or  Card  transactions  resulting  from  the 
loss, theft or unauthorized use of the Account and/or Card that occurs 
prior to the time I give notice to you. Such liability does not apply when 
the Account and/or Card is used to make an electronic transfer.
PAYMENTS  MARKED  “PAID  IN  FULL”:  You  may  accept  checks, 
money  orders,  or  other  types  of  payment  marked  “payment  in  full” 
or  using  other  language  to  indicate  full  satisfaction  of  indebtedness, 
without being bound by such language or waiving any rights under this 
Agreement. Full satisfaction of indebtedness shall be accepted by you
only in written agreement, signed by an authorized representative of 
the Credit Union.

JOINT  ACCOUNTS:    If  this  is  a  joint  Account,  each  of  us  will  be 
individually and jointly responsible for paying all amounts owed under 
this  Agreement.    This  means  that  you  can  require  any  one  of  us 
individually to repay the Account Balance.  Each of us authorizes the 
other to make Transactions individually.  Any one of us may close the 
Account and such closure will be effective as to all of us.  We agree that 
all notices regarding the Account may be sent solely to the cardholder 
whose name and address appears on our billing records.  If this is a 
joint account, neither party can be released from his or her obligations 
except upon your approval. 

SIGNATURE REQUIREMENT:  In order for my Card to be valid, I must 
activate and sign the Card as soon as I receive it.  However, my liability 
does not depend on whether or not I sign my Card. 

CONSUMER PURPOSES:  I may use my Account only for personal, 
family  or  household  uses;  I  may  not  use  the  Account  for  business 
purposes.  If I do use my Account for business purposes, this Agreement 
still applies and I must pay you for those Transactions.  You may close 
my Account if you learn that I am using it for business purposes. 

MOBILE PHONES OR OTHER DEVICES:  Smart phones, tablets and 
other electronic devices can store my Card (such as through a mobile 
wallet).  This  means  they  can  be  used  to  make  Purchases  or  other 
Transactions.  Any such Transactions are covered by this Agreement.  
Apps that use my Card to make Transactions may have separate terms 
of  use.    You  are  not  responsible  if  I  violate  those  terms,  or  for  any 
consequences resulting from any violation.

CHANGING BENEFITS: You reserve the right to change or discontinue 
any benefit, rewards program, service or feature offered in connection 
with my Account, at any time and for any reason.  

CONTACTING YOU:  I agree that you (and/or your authorized agents) 
may  contact  me  at  any  phone  number,  email  address  or  mailing 
address  I  provide.  This  includes  communications  to  mobile,  cellular/
wireless,  or  similar  devices.    You  may  contact  me  by  live  operator, 
auto-dialer, prerecorded or artificial voice, text or email.  I agree to pay 
any  charges  assessed  by  my  plan  provider  for  communications  you 
send to me, as well as communications I send to you. 

CALL  MONITORING:   You  may  listen  to  and  record  telephone  calls 
between me and you to monitor and improve the quality  of service I 
receive. 

absolute discretion to change the amount of any TRANSACTION FEE 
that may apply to my Account.

Cash Advance Fee: One (1) component of the TRANSACTION FEE 
is the Cash Advance Fee. Cash Advance transactions are subject to 
a  Cash  Advance  Fee  which  shall  be  the  greater  of  $2.00  or  2%  of 
the amount of the advance which is posted to the Account during the 
billing cycle, but not to exceed $25.00 per Cash Advance. In addition, a 
Cash Advance Fee may not cause the FINANCE CHARGE to exceed 
the maximum rate permitted for a federal credit union. Cash Advances 
are subject to the Monthly Periodic Rate (see below) during the billing 
cycle in which the Cash Advance Fee is imposed.

Foreign  Transactions  Fee:  The  second  (2nd)  component  of  the 
TRANSACTION  FEE  is  the  Foreign  Transactions  Fee.  Purchases, 
Cash  Advances,  and  credit  transactions  made  in  foreign  currencies 
are  subject  to  a  Foreign Transactions  Fee  of  1.0%  of  the  amount  of 
the  Purchase,  Cash  Advance,  or  credit  transaction  which  is  posted 
to  the  Account  during  the  billing  cycle.  International  Purchases, 
Cash Advances, and credit transactions that are not made in foreign 
currencies  are  subject  to  a  Foreign  Transactions  Fee  of  .8%  of  the 
amount of the Purchase, Cash Advance, or credit transaction which is 
posted to the Account during the billing cycle.

PENALTY  ANNUAL  PERCENTAGE  RATE:  A  penalty  ANNUAL 
PERCENTAGE RATE of 17.9% (corresponding Monthly Periodic Rate 
of  1.492%)  may  be  applied  to  my Account  Balance  if  I  fail  to  make 
a  payment  when  due  or  I  make  a  payment  that  is  returned. You  will 
provide  me  notice  of  such  penalty  ANNUAL  PERCENTAGE  RATE 
at  least  forty-five  (45)  days  prior  to  the  effective  date  of  the  penalty 
ANNUAL  PERCENTAGE  RATE  and  such  notice  will  inform  me 
which future transactions and/or outstanding balances are subject to 
the  penalty  ANNUAL  PERCENTAGE  RATE.  Generally,  the  penalty 
ANNUAL  PERCENTAGE  RATE  will  apply  to  any  transactions  that 
occur  more  than  fourteen  (14)  days  after  you  provide  notice  of  the 
penalty  ANNUAL  PERCENTAGE  RATE  to  me  and  my  ANNUAL 
PERCENTAGE RATE will revert to the applicable “standard” ANNUAL 
PERCENTAGE  RATE  provided  for  in  this Agreement,  provided  that 
I  make  six  (6)  consecutive  Minimum  Monthly  Payments  when  due 
beginning  with  the  first  (1st)  payment  due  after  the  effective  date  of 
the increase.
However, if I fail to make a Minimum Monthly Payment within sixty (60) 
days after its Payment Due Date, the penalty ANNUAL PERCENTAGE 
RATE will apply to all outstanding balances and future transactions. In 
such  event,  my  ANNUAL  PERCENTAGE  RATE  will  cease  applying 
to  transactions  that  occurred  prior  to  or  within  fourteen  (14)  days  of 
provision  of  the  notice  and  will  revert  to  the  applicable  “standard” 
ANNUAL PERCENTAGE RATE set forth above, provided that I make 
six (6) consecutive Minimum Monthly Payments when due beginning 
with the first (1st) payment due after the effective date of the increase.

HOW  TO  COMPUTE  THE  CASH  ADVANCES  BALANCE 
(CONSISTING  OF  TRANSACTIONS  RELATED  TO  CASH  AND 
OTHER  ADVANCE  TRANSACTIONS)  UPON  WHICH  PERIODIC 
INTEREST CHARGES ARE ASSESSED:

Average  Daily  Balance 
(including  current  Cash  Advance 
transactions):  You  figure  a  portion  of  the  INTEREST  CHARGE  on 
my  Account  by  applying  the  Cash  Advance  Monthly  Periodic  Rate 
to  the  Average  Daily  Balance  of  Cash  Advances  (including  current 
Cash Advances). To get the Average Daily Balance of Cash Advance 

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transactions  you  take  the  beginning  balance  of  Cash  Advance 
transactions on my Account each day, add any new Cash Advances, 
and  subtract  any  payments  or  credits,  and  unpaid  INTEREST 
CHARGES and other FINANCE CHARGES. This gives you the daily 
balance of Cash Advance transactions. Then, you add up all the daily 
balances of Cash Advance transactions for the billing cycle and divide 
the total by the number of days in the billing cycle. This gives you the 
Average Daily Balance of Cash Advance transactions.

There is no grace period in order to avoid the imposition of INTEREST 
CHARGES on Cash Advances.

HOW  TO  COMPUTE  THE  PURCHASE  BALANCE  (CONSISTING 
OF TRANSACTIONS RELATED TO PURCHASES OF GOODS AND 
SERVICES)  UPON  WHICH  PERIODIC  FINANCE  CHARGES  ARE 
ASSESSED:

Average Daily Balance (including current Purchase transactions): 
You  figure  a  portion  of  the  INTEREST  CHARGE  on  my Account  by 
applying  the  Purchase  Monthly  Periodic  Rate  to  the  Average  Daily 
Balance of Credit Purchases (including current Purchase transactions). 
To get the Average Daily Balance of Purchase transactions you take 
the beginning balance of Purchase transactions on my Account each 
day, add any new Purchases, and subtract any payments or credits, 
and unpaid INTEREST CHARGES and  other FINANCE CHARGES. 
This gives you the daily balance of Purchase transactions. Then, you 
add up all the daily balances of Purchase transactions for the billing 
cycle and divide the total by the number of days in the billing cycle. This 
gives you the Average Daily Balance of Purchase transactions.

I  have  at  least  a  25  day  grace  period  from  the  close  of  each  billing 
cycle to pay the New Balance without incurring additional INTEREST 
CHARGES  provided  that  either:  (1)  you  received  payment  in  full  of 
the ending balance for the previous billing cycle by the Payment Due 
Date disclosed in the previous billing cycle’s periodic statement; or (2) 
the previous billing cycle’s ending balance was $0. If I have a grace 
period to pay the New Balance for any billing cycle, and do not pay the 
New  Balance  in  full  during  this  grace  period,  INTEREST  CHARGES 
will be assessed on any portion of the New Balance not paid during the 
grace  period  using  the Average  Daily  Balance  method  as  explained 
above. The Payment Due Date disclosed on each periodic statement 
provided to me is the last day of my grace period for that statement’s 
billing cycle.

Average  Daily  Balance  (including  current  Balance  Transfer 
transactions):  You  figure  a  portion  of  the  INTEREST  CHARGE  on 
my Account by applying the Balance Transfer Monthly Periodic Rate 
to the Average Daily Balance of Balance Transfers (including current 
Balance  Transfers).  To  get  the  Average  Daily  Balance  of  Balance 
Transfer  transactions  you  take  the  beginning  balance  of  Balance 
Transfer transactions on my Account each day, add any new Balance 
Transfer  transactions,  and  subtract  any  payments  or  credits,  and 
unpaid INTEREST CHARGES and other FINANCE CHARGES. This 
gives  you  the  daily  balance  of  Balance  Transfer  transactions.  Then, 
you add up all the daily balances of Balance Transfer transactions for 
the billing cycle and divide the total by the number of days in the billing 
cycle. This gives you the Average Daily Balance of Balance Transfer 
transactions.

one of the other persons responsible to pay the Account. Any person 
using the Account and/or Card is jointly and severally responsible with 
me for charges he or she makes, but if that person signs the Card he 
or she becomes a party to this Agreement and is also responsible for 
all  charges  on  the Account,  including  mine.  The  Cards  remain  your 
property and I must recover and surrender to you all Cards upon your 
request and/or upon termination of this Account.

TRANSACTION  SLIPS:  My  periodic  statement  will  identify  the 
institution  at  which 
terminal  or  financial 
merchant,  electronic 
transactions  were  made,  but  sales,  Cash  Advances,  credit  or  other 
slips  cannot  be  returned  with  the  periodic  statement.  I  will  retain  the 
copy of such slips furnished at the time of the transaction in order to 
verify my periodic statement. You may assess a reasonable fee for any 
photocopies or slips I request.

PLAN MERCHANT DISPUTES: You are not responsible for the refusal 
of  any  plan  merchant  or  financial  institution  or  electronic  terminal  to 
honor the Account and/or Card. You are subject to claims and defenses 
(other than tort claims) arising out of goods or services I purchase with 
the Card only if I have made a good faith attempt but have been unable 
to  obtain  satisfaction  from  the  plan  merchant,  and:  (a)  my  purchase 
was made in response to an advertisement you sent or participated in 
sending me; or (b) my purchase cost more than $50.00 and was made 
from  a  plan  merchant  in  my  state  or  within  100  miles  of  my  current 
mailing address. Any other dispute I must resolve directly with the plan 
merchant. 

RETURNS  AND  ADJUSTMENTS:  If  a  merchant  discloses  a  policy 
such as “no returns,” “no refunds,” “no return or credit without receipt,” 
“as  is,”  “store  credit  only”  or  “all  sales  final,”  I  will  be  bound  by  that 
policy when I use my Card to buy goods or services from that merchant. 
Merchants and others who honor the Account and/or Card may give 
credit for returns or adjustments, and they will do so by sending you 
a  credit  slip  which  you  will  post  to  my  Account.  If  my  credits  and 
payments exceed what I owe you, you will hold and apply this credit 
balance against future Purchases, Advances and Balance transfers, or 
if it is $1.00 or more, refund it on my written request or automatically 
after six (6) months.
UNAUTHORIZED  USE:  If  I  notice  the  loss  or  theft  of  my  Card  or  a 
possible unauthorized use of my Card, I should write to you immediately 
at: P. O. Box 10188, Van Nuys, California 91410-0188, or call you at 
(877) 695-2732. I will not be liable for any unauthorized use that occurs 
after I notify you. I may, however, be liable for unauthorized use that 
occurs before my notice to you. In any case, my liability will not exceed 
$50. My liability may be zero ($0) in cases of VISA Credit Card fraud in 
accordance with current VISA U.S.A., Inc. Operating Regulations. This 
does not apply to ATM transactions using the Card and PIN. I agree 
that in the event of a lost, stolen, not received, or counterfeited card, 
or fraudulent activity on my Account, I and all parties given access to 
the Account  will  complete  an  affidavit  of  forgery  in  a  form  approved 
by  you,  when  applicable.    I  also  agree  to  assist  you  in  determining 
the facts, circumstances, and other pertinent information related to any 
loss, theft or possible unauthorized use of my Card, Account number 
or PIN and to comply with such other procedures as you may require 
in connection with your investigation.

I  have  at  least  a  25  day  grace  period  from  the  close  of  each  billing 
cycle to pay the New Balance without incurring additional INTEREST 
CHARGES  provided  that  either:  (1)  you  received  payment  in  full  of 

SURRENDER OF CARD(S): The Card(s) remains your property and, 
if you request, I must surrender to you all Card(s) you have issued on 
the Account.

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not an authorized user. Advances through ATM access will be treated 
as Cash Advances. Advances at authorized ATMs are limited to a total 
of  $1,000.00  per  day.  I  may  also  provide  my  Card  number  verbally, 
electronically, or in writing to a merchant to complete a mail, electronic 
or telephone transaction.

If your authorized system is not working, I may not be able to authorize 
a transaction, even if I have sufficient available credit. Occasionally for 
security reasons, you may block usage of my Card and/or Account in 
certain foreign countries or geographical areas. You will not be liable to 
me if any of these events happen.

My  Card  and/or  Account  may  not  be  used  directly  or  indirectly  for: 
(1)  any  illegal  activity  or  transaction  including,  without  limitation  any 
“racketeering  activity”  as  defined  in  18  U.S.C.  §  1961;  or  (2)  any 
gambling,  gaming,  betting  or  similar  activity  or  transaction.  Further, 
I  may  not  utilize  my  Card  and/  or  Account  for  the  purchase  of  any 
goods  or  services  on  the  Internet  that  involve  gambling,  betting  or 
any similar activity or transaction. Such transactions include, but may 
not be limited to, any quasi-cash or online gambling transaction, any 
electronic  commerce  transaction  conducted  over  an  open  network, 
and  any  betting  transaction  including  the  purchase  of  lottery  tickets 
or  casino  gaming  chips  or  off-track  betting  or  wagering.  However,  in 
the event that a charge or transaction described in this paragraph is 
approved and processed, I will still be responsible for such charges.

for 

international 

FOREIGN TRANSACTIONS: Purchases, Cash Advances and credits 
made in foreign currencies will be billed to my Account in U.S. dollars. 
The  conversion  to  U.S.  dollars  will  be  made  in  accordance  with  the 
VISA  operating  regulations 
transactions.  Such 
regulations provide for either a .8% currency exchange fee for single 
currency  transactions  (transactions  made  internationally  without  a 
currency conversion) or 1% currency exchange fee for multi-currency 
international  transactions  (transactions  made  internationally  that 
require a currency conversion), which is added to the amount of the 
Purchase, Cash Advance, or credit and retained by VISA. Transactions 
conducted in U.S. military bases, territories, embassies, or consulates
are not considered international transactions and will not be subject
to the .8% currency exchange fee. The exchange rate between the
transaction  currency  and  the  billing  currency  used  for  processing 
international transactions 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. The conversion rate may be different than the rate on 
the day of the transaction or date of the posting of the Account. When a 
credit to the Account does not fully offset a charge to the Account due
to changes in the rate, I am responsible for the differences.

RESPONSIBILITY:  I  agree  to  repay  you  according  to  the  terms  of 
this  Agreement  for  all  Purchases,  Advances,  Balance  Transfers, 
INTEREST CHARGES, TRANSACTION FEES, and other FINANCE 
CHARGES, Late Payment Fees and all other fees and charges, if any, 
arising  from  the  use  of  the  Card  and/or Account  by  me  or  any  other 
person  I  permit  to  use  the Account,  even  if  that  person  exceeds  my 
permission. I cannot disclaim responsibility by notifying you, although 
you will close the Account if I so request and I will return all Cards to 
you and I will repay the unpaid balance to you. My obligation to pay the 
Account Balance continues even though an agreement, divorce decree 
or other court judgment to which you are not a party may direct me or 

the ending balance for the previous billing cycle by the Payment Due 
Date disclosed in the previous billing cycle’s periodic statement; or (2) 
the previous billing cycle’s ending balance was $0. If I have a grace 
period to pay the New Balance for any billing cycle, and do not pay the 
New  Balance  in  full  during  this  grace  period,  INTEREST  CHARGES 
will be assessed on any portion of the New Balance not paid during the 
grace  period  using  the Average  Daily  Balance  method  as  explained 
above. The Payment Due Date disclosed on each periodic statement 
provided to me is the last day of my grace period for that statement’s 
billing cycle.

This determines my total periodic INTEREST CHARGES for the billing 
cycle.  Actual  periodic  INTEREST  CHARGES  will  be  shown  on  my 
periodic statement. The combination of periodic INTEREST CHARGES, 
Cash Advance Fee and Foreign Transactions Fee, will not exceed the 
ANNUAL PERCENTAGE RATE permitted under applicable law.

CREDIT  LIMIT:  You  will  establish  a  Credit  Limit  for  me.  At  your 
discretion, you may increase or decrease my Credit Limit at any time, 
and  may  provide  separate  limits  for  Purchases,  Cash Advances  and 
Balance Transfers. You will notify me if you do, either by mail or through 
my periodic statement. If I object to any Credit Limit increase, I must 
notify you immediately in writing. Upon receipt of such notice, my Credit 
Limit will be reduced to its prior limit, however, I will be responsible to 
pay any amounts by which I have exceeded the reduced limit. I agree
not to allow my Account Balance to exceed my Credit Limit. I agree to 
advise you of any change in my financial condition which may affect 
my creditworthiness. I agree to update the credit information that I have 
provided you, from time to time, on your demand. I or my joint applicant 
for  the  Account  may  request  a  change  to  the  Credit  Limit  orally,  in 
writing,  or  electronically,  but  any  such  request  must  be  approved  by 
you. If my Credit Limit is increased, I am immediately responsible for the 
new Credit Limit and any increase in the Account Balance even when it 
differs from an amount previously agreed to orally or in writing.

MINIMUM  MONTHLY  PAYMENT:  Every  month,  I  must  pay  at  least 
the  Minimum  Monthly  Payment  by  the  Payment  Due  Date  shown 
on  my  periodic  statement.  By  separate  agreement,  I  may  authorize 
you to automatically transfer the Minimum Monthly Payment from my 
Credit Union share or share draft account. I may, of course, pay more 
frequently,  pay  more,  or  pay  the  Account  Balance  in  full,  and  I  will 
reduce  my  periodic  FINANCE  CHARGE  by  doing  so.  The  Minimum 
Monthly Payment will be either: (a) 2% of my Account Balance, or $20, 
whichever is greater; or (b) my Account Balance, if it is less than $20. 
In  addition,  I  must  pay  any  amount  on  my  periodic  statement  listed 
as  past  due  and  any  late  charge. At  any  time  my Account  Balance 
exceeds my Credit Limit, I must pay the excess.

The “Payment Due Date” will be shown on my periodic statement.

I understand and agree that any Minimum Monthly Payment made by 
me will be applied in the following order: (a) unpaid fees and charges, 
if any; (b) unpaid periodic FINANCE CHARGE due on both Purchases, 
Cash Advances  and  Balance  Transfers;  (c)  outstanding  balances  of 
Cash Advances,  Balance Transfers  and  Purchases  previously  billed; 
and  (d)  current  Cash  Advances,  Balance  Transfers  and  Purchases. 
Any payment I make in excess of the Minimum Monthly Payment will be 
applied to my balances subject to the highest ANNUAL PERCENTAGE 
RATE first, then to balances subject to lower ANNUAL PERCENTAGE 
RATES, in descending order of ANNUAL PERCENTAGE RATES until 
all balances subject to an ANNUAL PERCENTAGE RATE are paid in 
full. Thereafter, you will apply all payments in excess of the Minimum 

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Monthly  Payment,  if  applicable,  in  the  same  order  as  you  apply  the 
Minimum Monthly Payment.

LATE PAYMENT FEE: If you have not received my Minimum Monthly 
Payment within ten (10) days after the “Payment Due Date” listed on 
my periodic statement, I agree to pay a Late Payment Fee as set forth 
in the enclosed Schedule of Fees which accompanies this Agreement
and is incorporated by reference herein as though set forth in full.
RETURNED  PAYMENT  FEE:  If  a  payment  that  was  applied  to  my 
Account  is  returned  to  you  unpaid  for  any  reason  I  agree  to  pay  a 
Returned Payment Fee as set forth in the enclosed Schedule of Fees. 
This fee will also apply to any payments made by automatic transfer 
that cannot be posted due to insufficient funds in my regular share or 
checking account.

CASH  ADVANCE  FEE:  For  each  Cash  Advance,  a  Cash  Advance 
Fee of either $2 or 2% of the amount of the Advance will be charged, 
whichever  is  greater,  subject  to  a  maximum  fee  of  $25  for  each 
Cash Advance  transaction.  Cash Advance  transactions  include ATM 
withdrawals,  online  funds  transfers,  telephonic  funds  transfers,  and 
in  person  Cash Advances  at  a  financial  institution’s  branch  from  the 
Account.

BALANCE  TRANSFER:  I  understand  that  I  can  request  a  Balance 
Transfer  transaction,  which  allows  me  to  pay  a  portion  or  the  entire 
balance  of  a  credit  card  account  I  maintain  with  another  institution. 
Any request I make for a Balance Transfer is subject to your approval, 
based on my Credit Limit, my creditworthiness, and my good standing
as a member.

CREDIT  LIFE AND/OR  DISABILITY  INSURANCE: The  purchase  of 
this insurance is entirely voluntary and is not a factor in the approval 
of  the  extension  of  credit.  If  credit  life  and/or  disability  insurance  is 
available  to  me  on  the  Account,  and  I  request  it  by  completing  the 
Credit  Insurance  Application/Schedule  which  contains  current  rates 
and  qualifying  information,  the  premium  will  be  calculated  monthly 
by  multiplying  the  premium  rate  by  the  outstanding  balance  on  the 
Account. You will add the premium amount to my Account Balance on 
each Billing Cycle Close Date. I acknowledge receiving a copy of the 
Credit Insurance Application/Schedule.

PREPAYMENT  OR  IRREGULAR  PAYMENTS:  Though  I  need  only 
pay  the  Minimum  Monthly  Payment,  I  understand  that  I  have  the 
right to repay my Account Balance at any time without penalty. I also 
understand and agree that I will only be charged periodic INTEREST 
CHARGES to the date I repay my entire Account Balance. I may make 
larger payments without penalty and this may reduce the total amount 
of periodic INTEREST CHARGES that I will repay. If I pay more than 
the Minimum Monthly Payment in any month and there is still a balance 
due,  I  must  continue  to  make  Minimum  Payments  in  future  months. 
Any partial payment of my Account Balance will not advance my next 
payment due date(s). I understand and agree that any payment that: 
(a)  delays  or  (b)  accelerates  the  repayment  of  my Account  Balance 
will:  (a)  increase  or  (b)  decrease  my  Monthly  Periodic  INTEREST 
CHARGE.

PAYMENTS  BY  AUTOMATIC  TRANSFER:  If  I  request  payment  by 
automatic transfer, I understand and agree that no payment can or will 
be made if there are insufficient or uncollected funds in the designated 
account  to  make  the  scheduled  payment.  Should  this  event  occur, 
I  understand  and  agree  that  I  will  not  be  released  from  making  the 
payment. Any automatic transfer I have requested will remain in effect 

until  I  cancel  it  in  writing  or  the Account  Balance  is  paid  in  full.  My 
written notice to cancel must be received by you, at PO BOX 10188 
Van  Nuys,  CA  91410,  at  least  three  (3)  business  days  before  the 
automatic transfer is scheduled to occur. You may cancel this service 
at your discretion.

DEFAULT: I will be in default if: (1) I do not pay on time or in the proper 
amount(s);  (2)  I  have  made  a  false  or  misleading  statement  on  my 
application; (3) I fail to live up to any of the terms of this Agreement; (4) 
my creditworthiness is impaired; or (5) I die, become insolvent or am 
the subject of bankruptcy or receivership proceedings. In the event of 
any action by you to enforce this Agreement, I agree to pay the costs 
thereof,  including  reasonable  attorneys’  fees,  and  other  expenses.  I 
understand  and  agree  that  INTEREST  CHARGES  at  the  ANNUAL 
PERCENTAGE RATE as permitted under this Agreement will continue 
to accrue until I repay my entire Account Balance.

ACCELERATION  AND  COLLECTION  COSTS:  Upon  my  default, 
I  understand  and  agree  that  you  have  the  right  to  temporarily  or 
permanently  suspend  any  and  all Account  and  Card  privileges  and/
or  you  may  demand  immediate  payment  of  the  Account  Balance, 
including  INTEREST  CHARGES,  TRANSACTION  FEES,  and  other 
FINANCE CHARGES, Late Payment Fees, and your collection costs, 
reasonable  attorneys’  fees,  and  court  costs  (collectively  “collection-
related  charges”),  and  all  other  fees  and  charges  hereunder.  I 
understand and agree that I will be subject to INTEREST CHARGES 
(at the applicable Monthly Periodic Rate), TRANSACTION FEES, and 
other  FINANCE  CHARGES,  Late  Payment  Fees,  collection-related 
charges, and all other fees and charges under the terms disclosed in 
this Agreement, until I repay my entire Account Balance. In the event of 
any action by you to enforce this Agreement, I agree to pay the costs 
thereof, reasonable attorneys’ fees, and other expenses.

ELECTRONIC  FUND  TRANSFER:  In  the  event  the  use  of  the 
Card, the Account or the Account number of the Card constitutes an 
Electronic  Fund  Transfer,  the  terms  and  conditions  of  my  Electronic 
Fund Transfer Agreement with you shall govern such transactions to 
the extent the Electronic Fund Transfer Agreement expands or amends 
this Agreement.

PURCHASES,  ADVANCES  AND  BALANCE  TRANSFERS: 
I 
may  make  Purchases,  Balance  Transfers  and  request  Advances 
in  accordance  with  then  current  loan  policies  up  to  my  Credit  Limit. 
I  understand  and  agree  that  all  Purchases  and  other  transactions 
requested by me or anyone I have permitted to use the Card(s) and/or 
Account are subject to your approval.

USING THE CARD: To make a Purchase or obtain an Advance, I may 
present the Card or Card number to a participating VISA plan merchant 
to you or to another financial institution that accepts Platinum Rewards 
VISA  Credit  Cards  and  sign  or  authorize  a  sales  or  Cash  Advance 
draft. Certain Purchases, Cash Advances and Balance Transfers will 
require an authorization prior to completion of the transaction. In some 
cases,  I  may  be  asked  to  provide  identification.  If  I  have  received  a 
personal  identification  number  (“PIN”),  I  may  also  use  my  Card  and 
PIN to obtain Cash Advances at any Automatic Teller Machine (“ATM”) 
that accepts my Card or other type of electronic terminal that provides 
access to the VISA system. (Not all ATMs accept Platinum Rewards 
VISA Credit Cards.) My PIN is confidential and should not be disclosed 
to anyone. I agree not to write my PIN on my Card, I will not keep my 
Card and PIN together, and I will not provide my PIN to anyone who is 

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