Your Billing Rights: Keep this Document for Future Use

This

or in-branch teller cash withdrawals. The Share Draft Account 
referred  to  herein  is  also  subject  to  a  separate  agreement 
between  You  and  the  Credit  Union.  Where  the  terms  of  any 
other  agreement  between  You  and  the  Credit  Union  conflict 
with the terms of this Agreement, the terms of this Agreement 
will control.
24. CALIFORNIA  RESIDENTS  —  A  married  applicant  may
apply for a separate Account. Applicants: 1) may, after credit
approval, use the credit card Account up to its credit limit; 2)
may be liable for amounts extended under the plan to any joint
applicant. 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.
25. FLORIDA  RESIDENTS  —  You  (borrower)  agree  that,
should We obtain a judgment against You, a portion of Your
disposable earnings may be attached or garnished (paid to
Us by Your employer), as provided by Florida and Federal
law.
26. MARYLAND  RESIDENTS  —  To  the  extent,  if  any,  that
Maryland law applies to Your Account, We elect to offer Your
Card Account pursuant to Title 12, Subtitle 9 of the Maryland
Commercial Law Article.
27. MISSOURI  RESIDENTS  —  Oral  Agreements  or
commitments  to  loan  money,  extend  credit  or  to  forbear 
from enforcing repayment of a debt including promises to 
extend or renew such debt are not enforceable. To protect 
You (borrower(s)) and Us (creditor) from misunderstanding 
or disappointment, any Agreements We reach covering such 
matters are contained in this writing, which is the complete 
and  exclusive  statement  of  the  Agreement  between  Us, 
except as We may later agree in writing to modify it. 
28. NEW YORK RESIDENTS — We may obtain a credit report
in  connection  with  this  Account,  including  for  any  review,
modification,  renewal  or  collections  associated  with  this
Account.  Upon  Your  request,  You  will  be  informed  whether
such report was requested and, if so, the name and address
of  the  consumer  reporting  agency  furnishing  the  report.
New York residents may contact the New York State Banking
Department  at  800.342.3736  or  www.dfs.ny.gov  to  obtain
a  comparative  listing  of  credit  card  rates,  fees  and  grace
periods.
29. OHIO RESIDENTS — The Ohio laws against discrimination
require  that  all  creditors  make  credit  equally  available  to  all
creditworthy  customers  and  that  credit  reporting  agencies
maintain  separate  credit  histories  on  each  individual  upon
request.  The  Ohio  Civil  Rights  Commission  administers
compliance with this law.

30. SOUTH DAKOTA RESIDENTS — If You believe there have
been any improprieties in making this loan or in the lender’s
loan practices, You may contact the South Dakota Division of
Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501,
or by phone at 605.773.3421.
31. WISCONSIN  RESIDENTS  —  If  You  are  married,  please
contact  Us  immediately  upon  receipt  of  this  Agreement  at
the  address  or  phone  number  listed  on  this  Agreement  and
provide  Us  with  the  name  and  address  of  Your  spouse.  We
are required to inform Your spouse that We have opened an
Account for You.
32. NOTICE TO UTAH BORROWERS — This written Agreement 
is a final expression of the Agreement between You and the
Credit Union. This written Agreement may not be contradicted
by evidence of any oral Agreement. 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.
33. THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —
NOTICE TO CO-SIGNER — YOUR SIGNATURE ON THIS NOTE
MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT
OF  THIS  LOAN.  IF  THE  BORROWER  DOES  NOT  PAY,  THE
LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.

Your Billing Rights: Keep this Document for Future Use

This notice tells You about Your rights and Our 
responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If You think there is an error on Your statement, write to Us at 
the address listed on Your statement.
In Your letter, give Us the following information:

- Account information: Your name and Account number.
- Dollar  amount:  The  dollar  amount  of  the  suspected

error.

- Description of problem: If You think there is an error
on Your bill, describe what You believe is wrong and
why You believe it is a mistake.

You must contact Us:

- Within  60  days  after  the  error  appeared  on  Your

statement.

- At  least  three  business  days  before  an  automated
payment is scheduled, if You want to stop payment on
the amount You think is wrong.

You  must  notify  Us  of  any  potential  errors  in  writing  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 30 days of receiving Your letter, We must tell
You that We received Your letter. We will also tell You
if We have already corrected the error.

2. Within 90 days of receiving Your letter, We must either
correct the error or explain to You why We believe the
bill is correct.

While We investigate whether or not there has been an error:
- We  cannot  try  to  collect  the  amount  in  question,  or

report You as delinquent on that amount.

-  The charge in question may remain on Your statement, 
and We may continue to charge You interest on that
amount.

- While You do not have to pay the amount in question,
You are responsible for the remainder of Your balance.
- We can apply any unpaid amount against Your credit

limit.

-

After  We  finish  Our  investigation,  one  of  two  things  will 
happen:
-

If  We  made  a  mistake:  You  will  not  have  to  pay
the amount in question or any interest or other fees
related to that amount.
If  We  do  not  believe  there  was  a  mistake:  You
will  have  to  pay  the  amount  in  question,  along
with  applicable  interest  and  fees.  We  will  send  You
a  statement  of  the  amount  You  owe  and  the  date
payment is due. We may then report You as delinquent 
if You do not pay the amount We think You owe.
If  You  receive  Our  explanation  but  still  believe  Your  bill 
is  wrong,  You  must  write  to  Us  within  10  days  telling  Us 
that  You  still  refuse  to  pay.  If  You  do  so,  We  cannot  report 
You  as  delinquent  without  also  reporting  that  You  are 
questioning Your bill. We must tell You the name of anyone 
to  whom  We  reported  You  as  delinquent,  and  We  must  let 
those organizations know when the matter has been settled 
between Us.
If We do not follow all of the rules above, You do not have 
to pay the first $50 of the amount You question even if Your 
bill is correct.

Your  Rights  if  You  Are  Dissatisfied  With  Your  Credit  Card 
Purchases
If  You  are  dissatisfied  with  the  goods  or  services  that  You 
have  purchased  with  Your  credit  card,  and  You  have  tried 
in good faith to correct the problem with the merchant, You 
may have the right not to pay the remaining amount due on 
the purchase.
To use this right, all of the following must be true:

1. The  purchase  must  have  been  made  in  Your  home
state  or  within  100  miles  of  Your  current  mailing
address, and the purchase price must have been more
than $50. (Note: Neither of these are necessary if Your
purchase was based on an advertisement We mailed
to You, or if We own the company that sold You the
goods or services.)

2. You must have used Your credit card for the purchase.
Purchases made with cash advances from an ATM or
with a check that accesses Your credit card Account
do not qualify.

3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and You are still dissatisfied 
with the purchase, contact Us in writing or electronically at 
the address listed on Your statement.
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.

LBS Financial a. 

CREDIT  UNION 

VISA CREDIT CARD 
DISCLOSURE 
AND AGREEMENT 

EFFECTIVE DATE 
February 1, 2018

This Disclosure Supersedes All 
Disclosures Prior to the Effective 
Date Shown Here 

Important D ocument 
Please Read and Retain 
For Your Records 

Mail: P.O. Box 4860 • Long Beach, CA 90804-0860 
562.598.9007 • 714.893.5111 • 800.527.3328

lbsfcu.org

Page 7

(continued)

Page 8

(continued)

Page 9

(continued)

Page 10

© CUNA Mutual Group 1991, 2006, 09, 10, 
12, 14, 16 All Rights Reserved  

10401000- 
MXC322-P-1- 
112117

10401000-MXC322-P-1-112117_MH_HR_112417.indd   1

11/28/2017   9:19:42 AM

PP Creation Date CU Contract No. CU Name Sales Order No. Stock No. Flat Size Finish Size Initials11/24/17 104-0100-0LBS Financial CU 92102 MXC322-MH 21 x 8.5 3.5 x 8.5 mazCONSUMER CREDIT 
CARD AGREEMENT 
AND DISCLOSURE

VISA GOLD
VISA CLASSIC

NOTICE:  See reverse side for important information regarding 
your rights to dispute billing errors.
SEE ACCOUNT OPENING DISCLOSURE WHICH 
ACCOMPANIES THIS AGREEMENT.
This Consumer Credit Card Agreement and Disclosure together 
with the Account Opening Disclosure and any other Account 
opening documents or any subsequent documents provided 
to You related to this Account (hereinafter collectively referred 
to  as  “Agreement”)  govern  the  terms  and  conditions  of  this 
Account.  “We,”  “Us,”  “Our”  and  “Ours”  and  “Credit  Union” 
refers to LBS Financial Credit Union with which this Agreement 
is made. “You,” “Your,” and “Yours” refers to each applicant 
and  co-applicant  for  the  Account;  any  person  responsible 
for  paying  the  Account;  and  anyone  You  authorize  to  use, 
access or service the Account. “Card” means the Visa® credit 
card  and  any  other  access  devices,  duplicates,  renewals, 
or  substitutions,  the  Credit  Union  issues  to  You.  “Account” 
means  the  line  of  credit  established  by  this  Agreement  and 
includes Your Card.
1.  USING  YOUR  ACCOUNT  —  By  using  the  Account  or 
keeping the Card, You agree to the terms of this Agreement. 
You  agree  to  use  Your  Account  in  accordance  with  this 
Agreement.  Your  Account  must  only  be  used  for  lawful 
transactions.
2.  CREDIT LIMIT — We may establish a credit limit as part 
of this Agreement, which You promise not to exceed. If You 
exceed the credit limit, You promise to repay immediately the 
amount which exceeds the credit limit, including amounts due 
to  finance  charges,  fees  or  other  charges.  You  may  request 
a  credit  limit  increase  on  Your  Account  only  by  a  method 
acceptable to the Credit Union. We may increase or decrease 
Your credit limit, refuse to make an advance and/or terminate 
Your Account at any time for any reason permitted by law.
3.  REPAYMENT  —  You  promise  to  repay  all  amounts  You 
owe  under  this  Agreement.  Your  promise  to  repay  includes 
all transactions made to Your Account by You or anyone You 
authorize to use Your Account as well as all interest charges 
and fees.
For  each  billing  period,  You  must  pay  at  least  the  Minimum 
Payment Due by the Payment Due Date.
The  Minimum  Payment  Due  is  3.00%  of  Your  total  New 
Balance,  or  $25.00,  whichever  is  greater,  plus  any  amount 

past due and any amount by which You have exceeded Your 
applicable credit limit. If Your total New Balance is less than 
$25.00,  then  Your  Minimum  Payment  Due  is  the  amount  of 
the total New Balance. 
You  may  pay  more  frequently,  pay  more  than  the  Minimum 
Payment Due or pay the total New Balance in full.
If  You  make  extra  or  larger  payments,  You  are  still  required 
to  make  at  least  the  Minimum  Payment  Due  each  month 
Your Account has a balance (other than a credit balance). The 
Credit Union may delay replenishing Your credit limit until the 
date the payment is posted or the Credit Union confirms the 
payment has cleared. 
Your payment of the required Minimum Payment Due may be 
applied to what You owe the Credit Union in any manner the 
Credit Union chooses, as permitted by applicable law. If You 
make a payment in excess of the required Minimum Payment 
Due, the Credit Union will allocate the excess amount first to 
the balance with the highest annual percentage rate (“APR”) 
and any remaining portion to the other balances in descending 
order based on applicable APR, unless otherwise prescribed 
by  applicable  law.  We  may  accept  checks  marked  “payment 
in  full”  or  with  words  of  similar  effect  without  losing  any  of 
Our rights to collect the full balance of Your Account with Us. 
4.  INTEREST  AND  FINANCE  CHARGES  —  We  will  begin 
charging  You  interest  on  new  purchases  on  the  first  day  of 
the following billing cycle. We will begin charging You interest 
on  cash  advances  and  balance  transfers  on  the  date  of  the 
transaction  or  the  first  day  of  the  billing  cycle  in  which  the 
transaction  is  posted  to  Your  Account,  whichever  is  later 
(transaction  date).  However,  We  will  not  charge  You  any 
interest on new purchases if You paid the entire new balance 
on the previous cycle’s billing statement by the Payment Due 
Date of that statement. To avoid an additional finance charge 
on  the  balance  of  purchases,  You  must  pay  the  entire  new 
balance on the billing statement by the Payment Due Date of 
that statement.
How We Calculate Your Balance:
Interest charges on Your Account are calculated separately for 
purchases, balance transfers and cash advances (“Transaction 
Type”).  We  figure  the  interest  charge  for  each  Transaction 
Type  by  applying  the  periodic  rate  to  each  corresponding 
“average  daily  balance.”  To  get  the  “average  daily  balance” 
for a Transaction Type We take the beginning balance for that 
Transaction Type each day, add any new transactions of that 
type  (excluding  new  purchases),  and  subtract  any  unpaid 
interest or other finance charges and any applicable payments 
or credits. This gives Us the daily balance for each Transaction 
Type. Then, for each Transaction Type, We add up all the daily 
balances  for  the  billing  cycle  and  divide  each  total  by  the 
number of days in the billing cycle. This gives Us the “average 
daily balance” for each Transaction Type.

5.  FEES — In addition to the periodic rate, additional fees may 
be  imposed  on  Your  Account.  If  applicable  to  Your  Account, 
the fee amounts and explanations are disclosed on the Account 
Opening Disclosure accompanying this Agreement. 
6.  FOREIGN  TRANSACTIONS  —  Purchases  and  cash 
advances  made  in  foreign  currencies  will  be  debited  from 
Your  Account  in  U.S.  dollars.  The  exchange  rate  between 
the  transaction  currency  and  the  billing  currency  used  for 
processing  international  transactions  is  a  rate  selected  by 
Visa  from  a  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 exchange rate used on the processing 
date may differ from the rate that would have been used on 
the purchase date or cardholder statement posting date.
A  fee  (finance  charge)  will  be  charged  on  all  transactions 
completed outside of the United States, where the cardholder’s 
country  code  differs  from  the  merchant’s  country  code. 
A  fee  (finance  charge)  will  be  charged  on  all  transactions 
completed in a foreign currency. All fees are calculated based 
on the transaction amount after it is converted to U.S. dollars. 
These fees are charged except where excluded. The Foreign 
Transaction Fee is set forth on the Disclosure accompanying 
this Agreement. 
7.  AUTHORIZATIONS — We do not guarantee authorization 
of a transaction, either by Us or by a third party, even if You 
have sufficient credit available. You agree that We will not be 
liable for failing to give an authorization. We also reserve the 
right to limit the number of transactions that may be approved 
in one day. We reserve the right to deny certain transactions 
for  any  reason  and  at  Our  sole  discretion,  including  for 
default,  suspected  fraudulent  or  unlawful  activity,  internet 
gambling  or  any  indication  of  increased  risk  related  to  the 
transaction  or  the  Account.  You  agree  that  We  have  no 
requirement to notify You of the specific reason We denied a 
transaction. If We detect unusual or suspicious activity, We 
may  suspend  Your  credit  privileges  until  We  can  verify  the 
activity, or We may close the Account.
AND 
UPDATING 
8.  INFORMATION 
AUTHORIZATIONS  —  If  You  have  authorized  a  merchant 
to bill charges to Your Card on a recurring basis, it is Your 
responsibility to notify the merchant in the event Your Card is 
replaced, Your Account information (such as Card number or 
expiration date) changes, or Your Account is closed. However, 
if Your Card is replaced or Your Account information changes, 
You authorize Us, without obligation on Our part, to provide 
the updated Account information to the merchant in order to 
permit  the  merchant  to  bill  recurring  charges  to  Your  Card. 
You  authorize  Us  to  apply  such  recurring  charges  to  Your 
Card until You notify Us that You have revoked authorization 
for the charges to Your Card. 

SERVICE 

Your  Card  is  automatically  enrolled  in  an  information 
updating service. Through this service, Your updated Account 
information  (such  as  Card  number  or  expiration  date)  may 
be shared with participating merchants to facilitate continued 
recurring  charges.  Updates  are  not  guaranteed  before  Your 
next payment to a merchant is due. You are responsible for 
making  direct  payment  until  recurring  charges  resume.  To 
revoke  Your  authorization  allowing  Us  to  provide  updated 
Account information to a merchant, please contact Us.
9.  PREAUTHORIZED  CHARGES  —  We  may  suspend 
preauthorized  recurring  charges  with  merchants  if,  for 
example,  Your  Card  is  lost  or  stolen,  You  default,  or  We 
change  Your  Account  for  any  reason.  If  preauthorized 
recurring  charges  are  suspended,  You  are  responsible  for 
making direct payment for such charges until You contact the 
merchant to reinstate recurring charges.  
10. DEFAULT — You will be in default under this Agreement 
if You fail to pay the Minimum Payment Due by its Payment 
Due  Date;  pay  by  a  check  or  similar  instrument  that  is 
not  honored  or  that  We  must  return  because  it  cannot  be 
processed;  pay  by  automatic  debit  that  is  returned  unpaid; 
make  any  false  or  misleading  statements  in  any  credit 
application or credit update; file for bankruptcy; or die. You 
will also be in default if You fail to comply with the terms of 
this Agreement or any other Agreement You have with Us. 
If You default, We may close Your Account and require You to 
pay any unpaid balance immediately, subject to applicable law. 
11. LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN 
CARD  NOTIFICATION  —  If  You  notice  the  loss  or  theft  of 
Your  credit  card  or  a  possible  unauthorized  use  of  Your 
Card, You should write to Us immediately at P.O. Box 4860, 
Long  Beach,  CA,  90804-0860  or  call  Us  at  800.527.3328, 
Monday through Friday 8:30 a.m. to 7:00 p.m. Pacific Time or 
800.527.3328, Saturday 8:30 a.m. to 5:00 p.m. Pacific Time 
or 866.333.4740, seven days a week after business hours.
You will not be liable for any unauthorized use that occurs after 
You notify Us. You may, however, be liable for unauthorized 
use  that  occurs  before  Your  notice  to  Us.  You  will  have  no 
liability  for  unauthorized  use  unless  You  are  found  to  be 
fraudulent  or  negligent  in  the  handling  of  Your  Account  or 
Card. In any case, Your liability for unauthorized transactions 
will not exceed $50.
12. CHANGING  OR  TERMINATING  YOUR  ACCOUNT  —  As 
permitted  by  law,  the  Credit  Union  may  change  the  terms 
of this Agreement and any attached Disclosure from time to 
time. Notice of any change will be given in accordance with 
applicable law. To the extent permitted by law, changes to the 
Agreement  may  apply  to  Your  existing  account  balance  as 
well as to future transactions. 
Arizona,  California,  Idaho,  Louisiana,  New  Mexico, 
Nevada,  Texas,  Washington,  and  Wisconsin  Residents  - 

Either You, Your spouse or the Credit Union may terminate this 
Agreement at any time, but termination by You, Your spouse 
or the Credit Union will not affect Your obligation to pay the 
account  balance  plus  any  finance  and  other  charges  You  or 
Your  spouse  owe  under  this  Agreement.  Your  obligation  to 
pay the account balance plus any finance and other charges 
You  owe  under  this  agreement  are  subject  to  all  applicable 
laws and regulations regarding repayment requirements. The 
Card or Cards You receive remain the property of the Credit 
Union  and  You  must  recover  and  surrender  to  the  Credit 
Union  all  Cards  upon  request  or  upon  termination  of  this 
Agreement whether by You or the Credit Union. 
Residents of all other states - Either You or the Credit Union 
may  terminate  this  Agreement  at  any  time,  but  termination 
by You or the Credit Union will not affect Your obligation to 
pay the account balance plus any finance and other charges 
You  owe  under  this  Agreement.  Your  obligation  to  pay  the 
account balance plus any finance and other charges You owe 
under  this  agreement  are  subject  to  all  applicable  laws  and 
regulations  regarding  repayment  requirements.  The  Card  or 
Cards You receive remain the property of the Credit Union and 
You must recover and surrender to the Credit Union all Cards 
upon request or upon termination of this Agreement whether 
by You or the Credit Union.
13. AUTHORIZED  USERS  —  Upon  Your  request,  We  may 
issue additional Cards for authorized users that You designate. 
You  must  notify  Us  in  writing  of  any  termination  of  an 
authorized  user’s  right  to  access  Your  Account.  Your  notice 
must  include  the  name  of  the  authorized  user  and  Your 
Account number and/or any subaccount number issued to the 
authorized user along with the authorized user’s Card and any 
convenience or other access checks issued to the authorized 
user. If You cannot return the authorized user’s Card or access 
checks and if You request Your Account to be closed, We will 
close  Your  Account  and  You  may  apply  for  a  new  Account. 
Alternatively, We may, at Our sole discretion, issue You a new 
Account number and a new Card.
14. CREDIT  REPORTS  AND  NOTICE  OF  NEGATIVE 
INFORMATION  —  You  authorize  the  Credit  Union  to  obtain 
credit  reports  and  any  other  information  We  may  need  to 
verify Your identity and use of the Account when opening Your 
Account  and  for  any  update,  increase,  renewal,  extension, 
collection or review of Your Account. You authorize the Credit 
Union  to  disclose  information  regarding  Your  Account  to 
credit  bureaus  and  creditors  who  inquire  about  Your  credit 
standing. We may report information about Your Account to 
credit  bureaus.  Late  payments,  missed  payments,  or  other 
defaults  on  Your  Account  may  be  reflected  on  Your  credit 
report.
15. JOINT  ACCOUNTS  —  If  this  is  a  joint  Account,  each  of 
You will be individually and jointly responsible for paying all 
amounts  owed  under  this  Agreement.  This  means  that  the 

Credit Union can require any one of You individually to repay 
the  entire  amount  owed  under  this  Agreement.  Each  of  You 
authorizes the other(s) to make transactions on the Account 
individually. Any one of You may terminate the Account and 
the termination will be effective as to all of You.
16. EFFECT  OF  AGREEMENT  —  This  Agreement  is  the 
contract  which  applies  to  all  transactions  on  Your  Account 
even  though  the  sales,  cash  advances,  credit  or  other  slips 
You sign or receive may contain different terms.
17. SEVERABILITY  AND  FINAL  EXPRESSION  —  This 
Agreement is the final expression of the terms and conditions 
of  Your  Account.  This  written  Agreement  may  not  be 
contradicted  by  evidence  of  any  alleged  oral  Agreement. 
Should any part of this Agreement be found to be invalid or 
unenforceable, all other parts of this Agreement shall remain 
in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement.
18. ILLEGAL TRANSACTIONS PROHIBITED — You agree that 
You will not use Your Card for any transaction, including any 
type of electronic gambling transaction through the Internet, 
that is illegal under applicable federal, state, or local law. 
Even  if  You  use  Your  Card  for  an  illegal  transaction,  You 
will  be  responsible  for  all  amounts  and  charges  incurred  in 
connection with the transaction. This paragraph shall not be 
interpreted  as  permitting  or  authorizing  any  transaction  that 
is illegal.
19. APPLICABLE LAW — The terms and enforcement of this 
Agreement  shall  be  governed  by  federal  law  and  the  law  of 
California.
20. ENFORCING  THIS  AGREEMENT  —  We  can  delay  in 
enforcing  or  fail  to  enforce  any  of  Our  rights  under  this 
Agreement without losing them.
21. COLLECTION  COSTS  —  If  We  refer  collection  of  Your 
Account  to  a  lawyer  who  is  not  Our  salaried  employee,  You 
are liable for any reasonable attorney’s fees We incur, plus the 
costs and expenses of any legal action, as further disclosed 
on this Agreement, or to the extent allowed by law.
22. ASSIGNMENT — We may assign any or all of Our rights 
and obligations under this Agreement to a third party.
23. OVERDRAFT PRIVILEGE — You agree that if, pursuant to 
any overdraft privilege on a Credit Union Share Draft Account, 
there is an overdraft of Your Share Draft Account, the amount 
of  overdraft  will  be  added  to  the  outstanding  balance  on 
Your Visa Credit Card Account, subject to the finance charge 
provisions set forth in “INTEREST AND FINANCE CHARGES” 
as  described  for  cash  advances,  and  will  be  subject  to  all 
terms  and  conditions  of  this  Agreement.  The  Visa  Credit 
Card  Account  must  be  current  and  not  over  the  credit  limit 
for  funds  to  transfer  to  the  Share  Draft  Account.  Overdrafts 
are  not  allowed  for  the  purpose  of  making  loan  payments, 
including Visa Credit Card payments, at the Credit Union, ATM 

Page 1

(continued)

Page 2

(continued)

Page 4

(continued)

Page 5

(continued)

Page 6

(continued)

10401000-MXC322-P-1-112117_MH_HR_112417.indd   1

11/28/2017   9:19:43 AM

Page 3

(continued)

PP Creation Date CU Contract No. CU Name Sales Order No. Stock No. Flat Size Finish Size Initials11/24/17 104-0100-0LBS Financial CU 92102 MXC322-MH 21 x 8.5 3.5 x 8.5 maz