VISA PLATINUM FIRST CREDIT CARD® AGREEMENT 
AND FEDERAL TRUTH-IN-LENDING DISCLOSURE 
September 1, 2012 

Billing Rights: Information on your rights to dispute transactions 
and how to exercise those rights is provided on pages seven and 
eight of this agreement 

This Kinecta Visa Platinum First Credit Card Agreement and 
Federal Truth-in-Lending Disclosure (“Agreement”) establishes 
the terms and conditions of your Kinecta Visa Platinum First 
Credit Card (“Card” or “Account”) with Kinecta Federal Credit 
Union. Please read it and keep it for your records.  

Annual Percentage 
Rate (APR) for 
Purchases and 
Balance Transfers1  
APR for Cash 
Advance2 
Penalty APR and 
When it Applies 

Interest Rates and Interest Charges 
15.24%  
This APR will vary with the market based 
on the Prime Rate*. 
18.00%. This APR will vary with the 
market based on the Prime Rate*.  
18.00%. This APR may be applied to your 
entire account if you: 1) Make a late 
payment; 2) Go over your credit limit twice 
in a six month period; 3) Make a payment 
that is returned; 4) Do any of the above on 
another account that you have with us.  
How Long Will the Default APR Apply? 
If your APRs are increased for any of these 
reasons, the Penalty APR will apply until 
you make six consecutive minimum 
payments when due. 
Your due date is at least 25 days after the 
close of each billing cycle.  We will not 
charge you interest on purchases if you pay 
your entire balance by the due date each 
month.  We will begin charging interest on 
cash advances and balance transfers on the 
transaction date. 
If you are charges interest, the charge will 
be no less than $1.00 
 To learn more about factors to consider 
when applying for or using a credit card, 
visit the website of the Consumer Financial 
Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer Financial 
Protection Bureau 

How to Avoid 
Paying Interest on 
Purchases 

Fees 

Annual Fee 
Transaction Fees 
  Balance Transfer 

Fee 

  Cash Advance Fee 

  Foreign 

Transaction Fee 

Penalty Fees 
  Late Payment Fee 

$25.00 

$10.00 or 3% of the amount of the transfer, 
whichever is greater  
$10.00 up to a maximum of $100.00 or 3% 
of the amount of the transaction, whichever 
is greater   
1% of the amount of each transaction in U.S 
dollars. 

Up to $10.00 for balances up to $200 
Up to $19.00 for balances of $200 or more 

  Returned Payment 

Up to $19.00 

Fee 

Other Fees 

  Dream Points

Rewards 

  Document Copy 

Fee 

  Rush Card Fee 

$0.00 

Up to $12.00 for each sales draft, but one 
copy per year is free 
$25.00 to rush each requested replacement 
card 

*Based on the U.S prime Rate of 3.25% as of August 15, 2012. The 
maximum APR of 18.00% as currently permitted by Federal Credit 
Unions applies to this credit card. The APR you receive is determined 
based on your credit worthiness. 

1 The margin for determining the APR for Purchases and Balance 
Transfers is 11.99%. 
2 The margin for determining the APR for Cash Advances is 14.75%. 

How We Will Calculate Your Balance: We will use the method called 
“Average Daily Balance” 

In this Agreement, the words “you” and “your” mean any person 
(if more than one person, individually and jointly) who is 
responsible for the Card, but not limited to, any joint obligor, 
guarantor, authorized user or the person whose name is embossed 
on the card(s). “we,” “us,” “our,” and “Credit Union” refer to 
Kinecta Federal Credit Union or anyone to whom the Credit Union 
transfers its rights under this Agreement. By requesting and 
receiving, signing, using, or permitting others to use the card 
issued to you by the Credit Union, you agree to be bound by the 
terms and conditions as set forth herein and any amendments 
thereto.  

NOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A 
VARIABLE ANNUAL PERCENTAGE (INTEREST) RATE 

AUTHORIZATION AND PAYMENT:  You authorize us to pay 
and charge your Account for all purchases, balance transfers, and 
cash advances made or obtained by you or anyone you authorize to 
use your card or account.  You will be obligated to pay all such 
purchases, balance transfers, and cash advances charged to your 
Account whether resulting from: (1) actual use of your 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 you authorize a charge, or 
authorize someone else to make a charge, to your Account 
(collectively, “authorized charges”).  You promise to pay us or to 
our order in U.S. Dollars with an instrument drawn on a financial 
institution in the United States at our office or at the address set 
forth on your periodic statement all authorized charges on the 
terms and at the rates set forth herein, plus any  
interest charges assessed on your account and any other charges 
and fees which you may owe you under the terms of this 
Agreement (the “account balance”).  Payments will continue until 
you have paid in full the account balance. 

Change of Terms: Account and agreement terms are not 
guaranteed for any period of time. You understand and agree that 
we may amend, modify, add to, or delete from this agreement or 
disclosure statement any of its terms and conditions, including 
financial terms such as the method of application and the amount 
of any interest charge, transaction fee, or other finance charge, 
annual percentage rate, monthly periodic rate, and/or fee in 
accordance with applicable laws. If required by applicable law, we 
will mail a notice of the change to you at your last known address. 
You 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 we 
are required by applicable law to provide you with a right to reject 
significant changes to this agreement and disclosure statement 
prior to the effective date of such changes, we will provide you 
with an explanation of how to reject the significant changes, unless 
you fail to make a required minimum payment within sixty (60) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
days after its due date. We may change the terms of this 
Agreement and Disclosure Statement based on information in your 
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 effective date of the change where the change has been 
agreed to in writing, by you.  

Interest rates and interest charges: This Agreement establishes 
the APR for purchases, balance transfers, and cash advances under 
this credit card program.  

You understand that a portion of your finance charges incurred 
during a billing cycle will include your interest charges incurred 
during that billing cycle. The interest charge for a billing cycle will 
be calculated by applying your monthly periodic rate to your 
average daily balance. You understand and agree that under the 
“Change in Terms” section above, we have the right in our sole 
discretion to change the amount of any APR, monthly periodic rate 
and, or interest charge that may apply to your Account.  

Monthly periodic interest charge, monthly periodic rate, and APR 
for cash advances, balance transfers, and purchases: The monthly 
periodic rate used in calculating the monthly periodic interest 
charge for cash advances, balance transfers, and purchases is based 
upon the “Prime Rate” as published in the “Money Rates” section 
of the print edition of the Wall Street Journal (“Index”). Your APR 
for cash advances, balance transfers, and purchases is determined 
by adding a “Margin” to the Index in effect as of the 15th day of 
each month preceding the start date of each current billing cycle. 

Your APR may increase or decrease every month. Any such 
change will be based on an increase or decrease in the “Index” as 
set forth above.  In the event that the Prime Rate ceases to be 
published, changes in the APR will be related to a comparable 
Index. We may waive an increase in the APR when such an 
increase can be made, but such a waiver shall not be construed as a 
waiver of our right to increase the APR at a future date when 
entitled to do so.  

The Monthly Periodic Rate is equal to 1/12th of the APR as stated 
each month. If the payment for the entire new purchase balance is 
received by the payment due date (25 days after the close of the 
billing cycle), no interest charges will be assessed in that billing 
period. However, if the new purchase balance is not paid in full by 
the payment due date, interest charges will be assessed on all 
purchases from the date they posted to your Account (including 
new purchases). If the Account balance revolves, there is no grace 
period. 

Credit Information: You authorize us to investigate your credit 
standing when opening, renewing, or reviewing the Account, and 
you authorize us to disclose information regarding the Account to 
credit bureaus and other creditors who inquire of us about your 
credit standing to the extent authorized by law. 

How the purchase balance, consisting of transactions related to 
the purchases of property and services upon which periodic 
interest charges are assessed is computed:  Average Daily 
Balance (including new purchases). We figure a portion of the 
interest charge on your 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 your account each day, add any new 
purchases, and subtract any payment 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.  

You 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) we 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 you have a grace period to pay the new billing for any billing 
cycle, and do not pay the new balance in full during this 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 you is the last day of your 
grace period for that statement’s billing cycle.  

How the cash advances balance, consisting of transactions 
related to cash and other cash advance transactions upon 
which periodic interest charges are assessed is computed:  
Average daily balance (including cash advance transactions). We 
figure a portion of the interest charge on your Account by applying 
the monthly periodic rate to the average daily balance of cash 
advances (including current cash advances). To get the average 
daily balance of cash advance transactions you take the beginning 
balance of cash advance transactions on your Account each day, 
add any new cash advances, and subtract any payment 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 the balance transfer balance, consisting of transactions 
related to cash and other balance transfer transactions upon 
which periodic interest charges are assessed is computed:  
Average daily balance (including balance transfer transactions). 
We figure a portion of the interest charge on your Account by 
applying the 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 your Account 
each day, add any new balance transfers, and subtract any payment 
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.  

There is 25 day grace period in order to avoid the imposition of 
interest charges on balance transfers. 

MINIMUM PAYMENT: Every month, you must pay at least the 
minimum payment due by the payment due date shown on your 
periodic statement.  By separate agreement, you may authorize us 
to automatically transfer the minimum payment due from your 
Credit Union share or share draft account. You may, of course, pay 
more frequently, or pay the account balance in full, and you will 
reduce your periodic interest charge by doing so. The minimum 
payment due will be either: $50.00 or the account balance 
whichever is less. 

2 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
In addition, you must pay any amount on your periodic statement 
listed as past due and any late charge(s). Lastly, at any time your 
account balance exceeds your credit limit, you must pay the 
excess.  

You understand and agree that any minimum monthly payment 
made by you will be applied in the following order: (a) unpaid fees 
and charges, if any; (b) unpaid periodic interest charges, 
transaction fees, and other finance charges due on purchases, 
balance transfers, and cash advances; (c) outstanding balances of 
cash advances, balance transfers, and purchases previously billed; 
and (d) current cash advances, balance transfers, and purchases. If 
two or more transactions are posted on the same day, your payment 
will be applied first to the smaller of them. Any payment you make 
in excess of the minimum monthly payment will be applied to your 
balances subject to the highest APR first, then to balances subject 
to lower APR, in descending order of APRs until all balances 
subject to an APR are paid in full. Thereafter, we will apply all 
payments in excess of the minimum monthly payment, if 
applicable, in the same order as we apply the minimum monthly 
payment.  

Late Payment Fee: up to $19.00 Late Payment Fee will be 
assessed if you do not make minimum payment by due date.  

Credit Limit:  Your Account has a credit limit that is established 
by Kinecta. We may increase or decrease your credit limit at any 
time and we may notify you of such increase or decrease by mail 
or through a statement sent to the primary Account holder’s 
address of record, in accordance with applicable legal 
requirements. We will provide you oral or written notice of any 
decrease in your credit limit. If you object to any credit limit 
increase, you must notify us immediately. You or your 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 us. If your credit limit is increased, you are 
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.  

Returned Payment Fee:  If a payment that was applied to your 
Account is returned to us unpaid for any reason, you will be 
charged a returned payment fee of up to $19.00. This fee will also 
apply to any payments made by automatic transfer that cannot be 
posted due to insufficient funds in your regular share or share draft 
account.  

Annual Fee: $25.00 

Rewards Fee: Dream Points are available with no annual fee. 
You can choose to opt out of Dream Points at any time. 

Minimum Finance Charge: We charge a minimum finance 
charge of $1.00. We charge it if the total periodic finance charge is 
less than $1.00. We add the additional amount to any balance that 
is assessed a periodic finance charge. 

Purchases and Advance:  You may make purchases in 
accordance with the current loan policies up to your credit limit.  
You understand and agree that all purchases and other transactions 
requested by you or anyone you have permitted to use the Card(s) 
and/or Account are subject to our approval. 

Cash Advance: You may request cash advances in accordance 
with the current loan policies up to the Cash Advance Limit. You 
understand and agree that all cash advances requested by you or 

anyone you have permitted to use the Card(s) and/or Account are 
subject to our approval. 

Using the Card:  To make a purchase or obtain an advance, you 
may present the card or card number to a participating Visa Card 
plan merchant, to us, or to another financial institution, and sign or 
authorize a sales or cash advance draft, or you may complete a 
transaction by using your PIN in conjunction with the Card at an 
ATM or other type of electronic terminal that provides access to 
the Visa Card system. 

Suspicious Activity: Kinecta FCU is committed to keeping your 
financial transactions as secure as possible. Our fraud detection 
systems are endorsed by CUNA Mutual Group, the bond coverage 
underwriter for many credit unions including Kinecta FCU, as an 
effective tool in deterring fraudulent credit card use.  

To help keep your money and your personal information safe, 
Kinecta uses a credit card fraud detection system designed using 
the latest "neural network" technology that “learns” your credit 
card purchase patterns. The system analyzes authorization requests 
for your card in real time and compares them to your purchase 
history as well as current fraud trends. If we detect abnormal 
transaction patterns, we can take immediate action to reduce the 
potential of continued fraud as your profile and transactions 
change over time, the system updates its files with every new 
transaction. 

We reserve the right to identify transactions as unauthorized or 
fraudulent and subsequently to decline those transactions.  

Travel Advisory: A transaction in an area where you do not 
usually use your card may trigger the system. We encourage you to 
provide us with prior notice of any forthcoming unusual activity, 
such as high transaction volume and any anticipated transactions 
outside the U.S. You may provide this notice via email, by phone, 
or in writing. Travel advisory instructions are found on the Kinecta 
Web site: http://www.kinecta.org/travel_advisory.aspx  

If you experience any problems using your card while traveling, 
please contact us: 

Domestic: 800.854.9846 or 877.881.6023 
International: 812.647.9790 

To verify account activity if card is blocked:  
800.337.3392 or 800.238.8604 

Hotel Reservations:  If you use your Card to make hotel 
reservations, you agree that your Account may be charged for the 
transaction as a “No Show” which is presented by the hotel.  

Authorized Users:  Additional cards are available on your 
Account for authorized users. Only one card will be issued to each 
person. You are responsible for the use of each additional card and 
cardholder even if that person exceeds the amount you authorized. 

PIN:  A Personal Identification Number (PIN) that acts as your 
signature when obtaining cash advances at participating automatic 
teller machines and for other point-of-sale-(POS) transactions.  

A PIN may be obtained by calling 877.315.3483. This PIN may be 
used by you with your credit card to obtain a cash advance on your 
account at any Automated Teller Machine (ATM) displaying the 
Visa Card logo or to make purchases at any designated POS 
machine.  

3 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
You agree not to disclose or otherwise make your Card or PIN 
available to anyone. For security reasons, please do not write your 
PIN on your Card or keep it in the same location as your Card. 

and agree that any payment that (a) delays or (b) accelerates the 
repayment of your account balance will (a) increase or (b) decrease 
your monthly periodic interest charge. 

Illegal Activity: Your card may only be used for legal 
transactions. Display of a payment card logo by an online 
merchant does not mean that internet gambling or other 
transactions are legal in the jurisdiction in which you are located. 
Your Card and/or Account may not be used directly or indirectly 
for: (1) any illegal activity or transaction; or (2) any gambling, 
gaming, betting, or similar activity or transaction. Further, you 
may not utilize your Card and/or Account for the purchase of any 
goods or services on the Internet that involve gambling, gaming, 
betting, or any similar transaction or activity.  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/checks or off-track betting or wagering.   

You agree to repay, according to the terms of this Agreement, 
transactions you initiate by use of your card, whether deemed legal 
or illegal. 

Internet Transactions:  Activate your Visa Card in the Verified 
by Visa® program at www.kinecta.org. To make transactions over 
the Internet, merchants may request your password to complete the 
transactions. If a password is not provided, or you do not 
successfully register with Verified by Visa®, the merchant may 
deny the transaction. If the password is incorrect, we may deny the 
transaction. You can select or change your password and view 
additional terms online at www.kinecta.org and clicking on the 
Verified by Visa® links under the credit card page. By allowing 
another person to use your Verified by Visa® password you are 
authorizing the transaction on your account. 

Partial Authorization: For transactions at some merchants, if the 
available credit limit is not sufficient to complete the full purchase, 
a partial approval in the amount of remaining available balance 
may be provided to the merchant and the merchant may permit you 
to use another source of funds to pay for the remaining amount 
due.  

The option to complete a purchase using the remaining available 
credit limit on your card and another source of funds for the 
remainder is not available at all merchants. Some merchants may 
decline the transaction if the available credit is less than the 
transaction amount. 

Electronic Fund Transfer:  In the event a use of the Card or the 
Account number of the Card constitutes an electronic fund transfer, 
the terms and conditions of your Electronic Fund Transfer 
Agreement and Disclosure with us shall govern such transactions 
to the extent the Electronic Fund Transfer Agreement and 
Disclosure expands or amends this Agreement. 

Prepayment or Irregular Payments:  Though you need only pay 
the minimum payment due, you understand that you have the right 
to repay your account balance at any time without penalty.  You 
also understand and agree that you will only be charged interest 
charges to the date you repay your entire account balance.  You 
may make larger payments without penalty and this may reduce 
the total amount of interest charges that you will repay.  If you pay 
more than the minimum payment due in any month and there is 
still a balance due, you must continue to make minimum payments 
in future months.  Any partial payment of your account balance 
will not advance your next payment due date(s).  You understand 

Payments by Automatic Transfer:  By separate agreement, you 
may authorize us to automatically transfer the minimum payment 
due from your Credit Union share or checking account.  If you 
request payment by automatic transfer, you 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 
loan payment.  Should this event occur, you understand and agree 
that you will not be released from making the payment.  Any 
automatic transfer you have requested will remain in effect until 
you cancel it in writing or the account balance is paid in full.  We 
may cancel this service at our discretion.  If you have authorized us 
to automatically transfer the minimum payment due from your 
share or checking account, you may request, in writing, that the 
payment be stopped. To stop the payment, your letter must be 
received by Kinecta Federal Credit Union, Card Services 
Department, P.O. Box 217, Manhattan Beach 90267, at least three 
(3) business days before the automatic payment is scheduled to 
occur. 

Default:  You will be in default if:  1) you do not pay on time or in 
the proper amount(s); 2) you fail to live up to any of the terms of 
this Agreement; 3) your creditworthiness is impaired; or 4) you 
die, become insolvent, or are the subject of bankruptcy or 
receivership proceedings.  In the event of any action by us to 
enforce this Agreement, you agree to pay the costs thereof, 
reasonable attorneys’ fees, and other expenses.  You understand 
and agree that interest charges, at the APR as permitted under this 
Agreement will continue to accrue until you repay your entire 
account balance. 

Acceleration and Collection Costs:  If you are in default, you 
understand and agree that we have the right to temporarily or 
permanently suspend any and all Account and Card privileges 
and/or we may demand immediate payment of the account balance, 
including interest charges, late charges, and our collection costs, 
reasonable attorneys’ fees, and court costs (collectively, 
“collection-related charges”). You understand that you will be 
subject to interest charges (at the applicable monthly periodic rate), 
late charges, and collection-related charges under the terms 
disclosed in this Agreement, until you repay your entire account 
balance.  

Responsibility:  You agree to repay us according to the terms of 
this Agreement for all purchases, advances, interest charges, and 
late charges (if any), arising from the use of the Account by you or 
any other person you permit to use the Account, even if that person 
exceeds your permission.  You cannot disclaim responsibility by 
notifying us, although we will close the Account if you so request 
and you will return all cards to us.  Your obligation to pay the 
account balance continues even though an agreement, divorce 
decree, or other court judgment to which we are not a party may 
direct you or one of the other persons responsible to pay the 
Account.  Any person using the Account and/or Card is jointly and 
severally responsible with you 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 yours.  The cards remain our property and you must 
recover and surrender to us all cards upon our request and/or upon 
termination of this Account. 

You must sign the card(s) promptly upon receipt. You may use the 
Card to buy or lease goods, services, or insurance (Purchases) 
wherever the Card is honored up to the full amount of your credit 

4 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
limit. You may also obtain cash (Cash Advance) from us or from 
any one who will accept the Card. Cash includes purchases of 
money orders, cashier’s checks or other similar instruments.   

Unauthorized Use: You may be liable for the unauthorized use of 
the Card and/or the Account.  You will not be liable for 
unauthorized use that occurs after you provide immediate 
notification by calling 888.829.6434, or when we receive notice in 
writing at P.O. Box 3038, Evansville, Indiana 47730, of the loss, 
theft, or possible unauthorized use.  In any case, your liability for 
unauthorized use will not exceed $50.00.  Your liability may be 
lower in cases of Visa Credit Card fraud in accordance with 
current Visa operating regulations. 

Termination:  We may terminate this Agreement or limit your 
right to make purchases or obtain cash advances at any time 
without notice or liability. If we ask, you must return your card(s) 
to us, cut in half.  You agree that you will not try to make a 
purchase or obtain a cash advance after you have been notified that 
your privilege to use your Account has been terminated.  You may 
terminate this Agreement at any time. If you do, you must return to 
us all cards previously issued on the Account. Your request to 
close the Account must be sent to us in writing and include your 
signature. In no event shall any termination relieve you of your 
obligation to repay the entire account balance. 

Transaction Slips:  Your periodic statement will identify the 
merchant, electronic terminal, or financial institution at which 
transactions were made, but sales, cash advance, credit, or other 
slips cannot be returned with the periodic statement.  You will 
retain the copy of such slips furnished at the time of the transaction 
in order to verify your periodic statement.  We may charge a 
reasonable fee for any photocopies or slips you request. 

Plan Merchant Disputes: You are not responsible for the refusal 
of any plan merchant or financial institution to honor the Account 
and/or Card. You are subject to claims and defenses (other than 
tort claims) arising out of goods and services you purchase with 
the Card only if you have made a good faith attempt but have been 
unable to obtain satisfaction from the plan merchant, and (a) your 
purchase was made in response to an advertisement we sent or 
participated in sending you; or (b) your purchase cost of more than 
$50.00 and was made from a plan merchant in your state or within 
100 miles of your current mailing address. Any other dispute you 
must resolve directly with the plan merchant.  

Foreign Currency Transactions: Visa® will convert purchases, 
cash advances, and credits effected a transaction at a merchant that 
settles in a currency other than U.S. dollars into a U.S. dollar 
amount. A fee of 1% will be assessed on multi-currency 
international transactions. 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 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.  The Credit Union has no control over the 
conversion rate. When a credit to the Account does not fully offset 
a charge to the Account due to changes in the rate, you are 
responsible for the difference. 

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.  This fee is charged 
directly to the Credit Union, is passed on to you, and will be 
included in the transaction on your statement, along with an 
additional description line for each fee. Transactions acquired in 
U.S. territories, and transactions originating on U.S. military bases, 
at U.S. embassies and at U.S. consulates, are excluded from this 
fee. 

Returns and Adjustments:  Merchants and others who honor the 
Account and/or Card may give credit for returns or adjustments, 
and they will do so by sending us a credit slip which we will post 
to the Account.  If your credits and payments exceed what you owe 
us, we will hold and apply this credit balance against future 
purchases and cash advances, or if it is $1.00 or more, refund it on 
your written request or automatically after six (6) months. 

Surrender of Card(s):  The card(s) remains our property and, if 
we request, you agree to surrender the card(s) immediately. 

Lost or Stolen Card, Notification and Liability:  You will notify 
us at once if you believe that the card, account number, PIN, or any 
combination of the three has been lost or stolen by immediately 
calling us at 888.871.6023.  Telephoning is the best way of 
keeping your possible losses down.  You understand that your total 
liability to us shall not exceed $50.00 for any Account and/or Card 
transactions resulting from the loss, theft, or other unauthorized 
use of the Account and/or Card that occurs prior to the time you 
give notice to us.  Such liability does not apply when the Account 
and/or Card is used to make an electronic transfer.   

You agree that in the event of a lost, stolen, not received, or 
counterfeited card or fraudulent activity on your Account or 
account number, you and all parties given access to the Account 
shall complete the required affidavit of forgery and obtain 
notarization as required by the Credit Union’s bonding company. 
You also agree to assist us in determining the facts, circumstances, 
and other pertinent information related to any loss, theft or possible 
unauthorized use of your Card, account number or PIN and to 
comply with such procedures as we may require in connection with 
our investigation. 

Payments Marked “Paid in Full”:  Payments marked “Paid in 
Full” or other language used to indicate full satisfaction of 
indebtedness may be accepted by us without us being bound by 
such language or waiving any rights under this Agreement.  We 
shall accept full satisfaction of indebtedness only in a written 
agreement, signed by an authorized representative of the Credit 
Union. 

Delay in Enforcement:  We can delay enforcing any of our rights 
under this Agreement without losing them. 

Governing Law:  You 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. You 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.   

International Service Assessment Fee: A fee of 0.8% will be 
assessed on single currency international transactions. Visa rules 
provide for either a 0.8% currency exchange fee for single 
currency international transactions (transactions made 

Integrated Documents: Any separate sheet of paper labeled, 
“Additional Disclosure – Federal Truth In Lending Act” which is 
delivered together with this Agreement or Disclosure Statement is 
an integrated part of the Agreement and Disclosure Statement.  

5 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Membership Requirement:  You understand and agree that you 
must be and remain a member in good standing with us to be 
eligible for continuing Account and/or Card privileges including 
future purchases and advances.  You understand and agree that we 
may suspend the Account and/or Card privileges during any period 
in which you do not maintain your membership with us. 

If your Account is a joint account, or if more than one cardholder 
is permitted to use the Account, you agree that all notices 
regarding the Account may be sent solely to the cardholder whose 
name and address appears on our billing records. 

You understand that if your Account is a joint account, neither 
party can be removed from the Account except in cases of death.  

Change of Name, Address, or Employment Status:  You 
understand and agree that you must promptly report to us any 
change in your name, address, or employment status. 

Accuracy of Information:  The information provided in your 
request for credit (Application) is accurate and you will notify us 
in writing immediately if there is a change in your financial 
condition.  We may retain the Application.  You 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.  We may gather credit 
and/or employment information we deem necessary and 
appropriate from time to time and we may give information 
concerning our credit experience with you to others. 

Copy Received:  You acknowledge receipt of a copy of this 
Agreement and agree to accept its terms. 

Lien on Shares:  If you have voluntarily agreed to a lien on shares 
in your credit card application, you understand and agree that if 
you are in default on the Account, we may impress and enforce a 
lien on all shares (except IRA accounts) then on deposit needed by 
us to repay the unpaid balance of the Account in accordance with 
the Federal Credit Union Act § 1757(11) and our bylaws. 

Pledge of Shares: If you have signed a separate Share Pledge 
Agreement, you understand and agree that you are pledging, under 
the uniform commercial code, shares now on deposit in your 
regular share account(s). You understand that you must, at all 
times, keep a sum equal to your credit limit on deposit in your 
regular share account(s) until you repay your entire account 
balance and the account is terminated. You understand and agree 
that this security interest will cover future purchases and advances 
under this Agreement. If you default, we may apply these shares to 
repay your Account Balance in accordance with federal or other 
law. You understand that the APR, quoted herein, does not take 
into account the amount pledged in your regular share account(s).  

Credit Reports:  Your performance under this Agreement will be 
reported to a credit reporting agency(s). As required by law, you 
are hereby notified that 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 your credit obligations. 

Billing:  We will send you a periodic statement for each monthly 
cycle in which transaction activity has occurred on your Account, 
and at least quarterly if no activity has occurred. Your periodic 
statement is your bill. We shall bill you for all amounts you charge 
or borrow plus any interest charges, other charges, or fees as 
provided for in this Agreement.  You are responsible for notifying 

us if you do not receive your periodic statement before your next 
payment is due. 

Payments:  Payments should be sent to Kinecta Federal Credit 
Union, Card Services Department, P.O. Box 60083, City of 
Industry, California 91716.  

Payments may be reversed or returned to you un-cashed for 
reasons such as: postdated checks, incomplete checks, or the 
numeric amount differs from the written amount. Return of 
payments is at our discretion and is not limited to the preceding 
examples. 

ARC (Accounts Receivable Entries) Notification:  By sending a 
check, please be aware that you are authorizing Kinecta FCU to 
use information on that check to make a one-time electronic debit 
in the amount of the check from your account at that financial 
institution indicated on it. If you prefer not to have your checks 
used in this way contact the credit union at 877.881.6023 to opt 
out. When we use information from your check to make an 
electronic fund transfer, funds may be withdrawn from your 
account as soon as the same day we receive your payment, and you 
will not receive your check back from your financial institution.  

Credit Life and/or Disability Insurance: If credit insurance is 
offered on the Account and you request it, the premium will be 
calculated monthly by multiplying the premium rate by the 
outstanding balance on the Account. We will add the premium 
amount to the account balance on the billing cycle closing date. 
The purchase of this insurance is entirely voluntary and is not 
required for credit approval. You acknowledge receiving a copy of 
the credit insurance documents, which contain current rates and 
other information. You understand and agree that if you have 
requested this insurance coverage, you will be obligated to pay the 
premium(s) indicated on the election form, which have been 
included as part of your payment. If you decide to cancel such 
insurance, you must do so in writing and you agree to pay all 
premiums up to the date we act on your request to cancel. You 
further understand that your payment will not decrease if you 
cancel your credit insurance, but will be applied to your remaining 
principal. 

Emergency Card Replacement and Emergency Cash 
Disbursement:  We may provide your personal data to Visa, its 
members, or their respective contractors for the purpose of 
providing you with emergency card replacement and emergency 
cash disbursement and you agree and consent to the release of this 
information. 

Telephone Monitoring:  We may monitor and record telephone 
calls between you and us to monitor and improve the quality of 
service you receive. 

Disclaimer of Liability:  We offer the Card, the Account, and 
related services in our own interests and disclaim any duty or 
responsibility other than those expressly set forth in this 
Agreement. 

Assignment:  We may assign your Account and any of our rights 
under this Agreement without your consent or notice to you. 

Notices:  All notices required to be given by us in connection with 
your Account shall be deemed to have been delivered on the day 
when they are deposited in the United States mail, properly 
addressed, and with postage prepaid. 

6 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
Agreement Assent: You have entered into this agreement with 
Kinecta whether electronically, by recorded voice authorization, or 
physical copy, intending to be bound by your acceptance of the 
Agreement. You agreed that each time you access or use the card; 
you will be bound by the current version of these terms and 
conditions. As the Agreement may be modified periodically, 
Kinecta will mail advance notification to alert all members, 
including online members, to review the enclosed amendments or 
to check the website regularly for updates to this Agreement. You 
should retain or print this Agreement and all subsequent 
notifications for future reference.  This credit card agreement is 
also available on the Consumer Financial Protection Bureau 
website at: http://www.consumerfinance.gov/credit-
cards/agreements so that you may obtain information about 
shopping for and using credit cards. 

You may withdraw your acceptance of this Agreement at any time 
by notifying Kinecta’s Card Services Department by calling us at 
800.854.9846 or writing us at Kinecta Federal Credit Union Card 
Services Department, P.O. Box 217, Manhattan Beach, California 
90267. You must discontinue using the Card(s). Your use of the 
Card(s) following any amendment of this Agreement will signify 
and constitute your assent to and acceptance of such revised 
Agreement.  

Upon notification of your withdrawal of acceptance, Kinecta will 
cancel your credit card.  

You will be permitted to pay off the remaining balance pursuant to 
the previous Agreement.  

Cancellation: You may cancel your card at any time in writing 
including your signature, enclosing all cards on your account cut in 
two. Mail your letter along with the destroyed card to: Card 
Services Department P.O. Box 217 Manhattan Beach, California 
90267. Cancellation of the card will end all charging privileges. 
Cancellation of your credit card will not affect your obligation to 
pay any amounts that may be due under this Agreement.  

Notice:  See the statement below for important information 
regarding your right to dispute billing errors. 

YOUR BILLING RIGHTS: Keep this Notice for future use. 
This notice contains important information about your rights and 
our responsibilities under the Fair Credit Billing Act. 
What to Do If You Find a Mistake on Your Statement  
If you think there is a mistake on your periodic statement, you 
must write to us at:  
Kinecta Federal Credit Union 
P.O. Box 3038, Evansville, Indiana 47730 

You may also contact us via secure email by visiting our website, 
www.kinecta.org  

In your letter, you must give us the following information:  

  Account Information: Your name and Account Number 
  Dollar Amount: The dollar amount of the suspected error 
  Description of the problem: Describe the error and explain if 
you can, why you believe there is a mistake 

You must contact us: 
  Within sixty (60) days after the error appeared on your 
statement. You can telephone us, but doing so will not preserve 
your rights. 
  At least three (3) business days before an automatic 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 [or 
electronically]. You may call us, but if you do we are not required 
to investigate any potential errors and you may have to pay the 
amount in question.  

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
1. Within thirty (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 ninety (90) days of receiving your letter, we must either 
correct the error or explain to you why we believe the bill is 
correct.  
While we investigate whether or not there has been an error: 
  We cannot try to collect the amount in question, or report you as 
delinquent on that amount. 
  The charge in questions may remain on your statement, and we 
may continue to charge you interest on that amount.  
  While you do not have to pay the amount in question, you are 
responsible for the remainder of your balance. 
  We can apply any unpaid amount against your credit limit.  
After we finish our investigation, one of two things will 
happen: 
If we made a mistake: You will not have to pay the amount in 
question or any interest or other fees related to that amount.  
If we do not believe there was a mistake: You will have to pay the 
amount in question, along with applicable interest and fees. We 
will send you a statement of the amount you owe and the date the 
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 you 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 have 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 the rules above, you do not have to pay the 
first $50.00 of the amount you question even if your bill is correct.  
Your Rights if You are Dissatisfied with Your Credit Card 
Purchases: 
If you are dissatisfied with the good and services that you have 
purchased with your credit card, and 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, if not 

within your home state or within 100 miles of your current 
mailing address, and the purchase price must have been more 
than $50.00. (Note: Neither of these are necessary if your 
purchase was based on an advertisement we mailed you, or if we 
own the company that sold you the goods and services.) 

2. You must have used the credit card for the purchase. Purchases 
made with cash advances from an ATM or with a check that 
accesses your credit card account do not qualify.  

3. You must not have fully paid for the purchase.  

If all the criteria above are met and you are still dissatisfied with 
the purchase, you must contact us in writing or electronically at:  
Kinecta Federal Credit Union 
P.O. Box 3038, Evansville, Indiana 47730 

You may also contact us via secure email by visiting our website, 
www.kinecta.org  

7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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.  

Reward Programs:  Kinecta offers Dream Points® Rewards.     

The terms and conditions of the Dream Points® Rewards Program 
will be provided to you in a separate disclosure.   

We reserve the right to change the terms and conditions of any 
Rewards program and to cancel or temporarily suspend such a 
program at any time without notice.  The Rewards program or any 
other promotional offer is void where prohibited. 

Kinecta Federal Credit Union 
PAYMENT ADDRESS 
Kinecta Federal Credit Union 
Card Services Department 
P.O. Box 60083 
City of Industry, California 91716 

MAILING ADDRESS 
Kinecta Federal Credit Union 
Card Services Department 
P.O. Box 217 
Manhattan Beach, California 90267 

PHONE NUMBERS 

877.881.6023 
800.854.9846 

WEBSITE 
www.kinecta.org 

09/01/12   

M-XXXXX 

8