b.  Honoring  the  Card.  Neither  we  nor  merchants 
  authorized to honor the Card will be responsible for 
the failure or refusal to honor the Card or any other 
credit  instrument  or  device  we  supply  to  you.  If  a 
  merchant agrees to give you a refund or adjustment, 
you agree to accept a credit to your Account in lieu of 

  a cash refund.
c.  Currency  Conversion/Foreign  Transaction  Fee. 
  Purchases  and  cash  advances  made  in  foreign  
countries  will  be  billed  to  you  in  U.S.  dollars.  The 
currency conversion rate for international transactions 
  as  established  by  VISA  International,  Inc.  is  a  rate 
selected by VISA from the range of rates available in 
  wholesale currency markets for the applicable central 
  processing  date,  which  rate  may  vary  from  the  rate 
  VISA  itself  receives,  or  the  government-mandated 
rate in effect for the applicable central processing date. In 
  addition, you will be charged a Foreign Transaction 
  Fee  of  1%  of  the  transaction  amount  for  any  card 

transaction made in a foreign country.

d. Notices and Payments. All notices will be sent to your 
  address as shown on your credit union account. You 
  agree to advise us promptly if you change your mailing 
  address. All payments should be mailed to us at the 
remittance address shown on your monthly statements. 
  Payments received at that address will be credited to 

your Account as of the date received.

e.  Personal  Identification  Number.  We will issue you 
  a Personal Identification Number (“PIN”) for use with 
your  Card  at  automatic  teller  machines  (“ATMs”). 
  These  numbers  are  issued  to  you  for  your  security 
  purposes.  These  numbers  are  confidential  and 
should  not  be  disclosed  to  third  parties.  You  are 
responsible  for  safekeeping  your  PIN.  You  agree  
  not to disclose or otherwise make available your PIN  
to anyone not authorized to sign on your Account. To  
keep your Account secure, please do not write your  
  PIN on your Card or keep it in the same place as your  
  Card.

13.  LOAN  PROTECTION.  Loan  Protection  coverage 
is  not  required  for  any  extension  of  credit  under  this 
Agreement.  However,  you  may  purchase  any  loan 
protection available through us and have the premiums 
added to your outstanding balance. If you elect to do 
so,  you  will  be  given  the  necessary  disclosures  and 
documents separately.

14. DEFAULT. You will be in default under this Agreement 
if any of the following occur: (a) Any minimum monthly 
payment  is  not  made  when  due;  (b)  You  become 
insolvent, bankrupt, or you die; (c) You violate any part 
of this Agreement, or any other agreement with us; or 

(d)  if  we  reasonably  deem  ourselves  insecure  on  your 
credit line. We will notify you in writing of any such action 
as soon as practical if it occurs. Upon default, we may 
declare the entire unpaid balance immediately due and 
payable,  and  you  agree  to  pay  that  amount  plus  any 
attorney’s  fees  and  costs  including  collection  agency 
costs incurred by us. We can delay enforcing any right 
under  this  Agreement  without  losing  that  right  or  any 
other right. A negative credit report reflecting on your 
credit  record  may  be  submitted  to  a  credit-reporting 
agency if you fail to fulfill the terms of this Agreement. 

15. CREDIT INFORMATION/FINANCIAL STATEMENTS.
You  authorize  us  to  release  information  to  others 
(e.g.,  credit  bureaus,  merchants,  and  other  financial 
institutions)  regarding  the  status  and  history  of  your 
credit  line.  You  agree  to  provide  us,  at  any  time  we 
deem  necessary,  with  a  current  financial  statement 
and  updated  credit  information  upon  request.  We 
may investigate your credit directly or through a credit 
reporting agency.

16.  LOSS  OR  THEFT  OF  VISA  CREDIT  CARD  OR 
CONVENIENCE  CHECKS.  You  agree  to  notify  us 
immediately of the loss, or the theft, or the use without 
your permission, of any Card or other credit instrument 
or device which we supply to you. You may be liable for 
the unauthorized use which occurs after you notify us at:
Telephone: (800) 449-7728 or by writing us at P.O. Box 
31112, Tampa, FL 33631-3112 orally or in writing of loss, 
theft, or possible unauthorized use. If you notify us of your 
lost or stolen Credit Card after discovery, you may not be 
liable for any losses related to credit transactions. This 
zero  liability  will  apply  provided  you  were  not  grossly 
negligent or fraudulent in handling your Card; otherwise 
your 
for  unauthorized  VISA  Credit  Card 
transactions shall not exceed $50.

liability 

17.YOUR CREDIT CARD BILLING RIGHTS. Keep this 
document for future use. This notice tells you about your
rights  and  our  responsibilities  under  the  Fair  Credit 
Billing Act.

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: OneAZ Credit Union, P.O. Box 31112, Tampa, 
FL  33631-3112.  In  your  letter,  give  us  the  following 
information:
  •   Account  information:  Your  name  and  account 

  number.

  •   Dollar  amount:  The  dollar  amount  of  the  

suspected error.

  •   Description  of  problem:  If  you  think  there  is  an 

  error  on  your  bill,  describe  what  you  believe  is  
  wrong and why you believe it is a mistake.

You must contact us:
  •   Within 60 days after the error appeared on your 

statement.

  •   At  least  3  business  days  before  an  automated 
  payment is scheduled, if you want to stop payment
  on the amount you think is wrong.

You must notify us of any potential errors in writing. You 
may call us, but if you do we are not required to investigate 
any  potential  errors  and  you  may  have  to  pay  the 
amount in question. 

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  at 
the  above  address.  While  we  investigate,  the  same  
rules  apply  to  the  disputed  amount  as  discussed  
above.  After  we  finish  our  investigation,  we  will  tell 
you  our  decision.  At  that  point,  if  we  think  you  owe 
an amount and you do not pay, we may report you as 
delinquent.

18. AMENDMENTS. We reserve the right to amend the
terms and conditions of this Agreement as permitted by
and subject to any limitations or notice requirements of
applicable law.

19.  GOVERNING  LAW.  This Agreement will not take 
effect until it is approved by us. This Agreement shall be
governed by the laws of the State of Arizona.

20. ENTIRE AGREEMENT. You understand and agree 
to  the  terms  and  conditions  in  this  VISA  Credit  Card 
Agreement.  You  acknowledge  that  you  have  received 
a  copy  of  the  Agreement.  This  Agreement  is  a  final 
expression  of  the  agreement  between  you  and  the 
Credit Union. This Agreement may not be contradicted
by  evidence  of  any  oral  agreement  or  alleged  oral 

agreement  and  contains  the  terms  applicable  to  the 
credit transaction.

Visa® Platinum
Credit Card
Agreement and Disclosures

2355 W. Pinnacle Peak Rd.
Phoenix, AZ 85027

REV. 4/20/16

M-118435

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ONEAZ CREDIT UNION
VISA® PLATINUM CREDIT CARD
AGREEMENT AND DISCLOSURE

1. INTRODUCTION. This VISA Credit Card Agreement
(Agreement) and the Account Disclosures accompanying
this  Agreement  will  govern  your  VISA  Platinum  Credit 
Card  and  account  issued  by  OneAZ  Credit  Union.  In 
this  Agreement  the  words  “you,”  “your,”  “yours,” 
“applicant,”  and  “Borrowers”  mean  any  person  who 
signs the application for this Account, any joint obligor, 
guarantor, authorized user, or the person whose name 
is embossed on the Card. The words “we,” “us,” “our,” 
and  “Lender”  mean  OneAZ  Credit  Union.  The  word 
“Card”  means  any  one  or  more  credit  cards  issued 
under the Credit Union’s VISA Card program. If you sign 
or cosign an application for this Account or sign or use 
any Card or PIN, or allow others to use the Card or PIN,
you  and  they  will  have  accepted  this  Agreement  just 
as  if  you  and  they  signed  it,  and  you  and  they,  jointly 
and severally, will be bound by the following terms and 
conditions which will govern this Account.

2. ACCOUNT ACCESS.
a.  Purchases,  Cash  Advances  &  Balance  Transfers.  
  You  must  sign  the  Card  to  use  it.  Once  you  have  
signed the Card, you can use it to buy or lease goods  
  or  services,  wherever  the  Card  is  honored,  up  to  
the full amount of your credit line. You may use your  
  Account to get cash advances from us. You may also  
  use your Card to get a cash advance from participating  
  financial  institutions  or  automated  teller  machine  
(ATM).  You  may  use  your  Card  to  purchase  goods  
  and  services  any  place  your  VISA  Card  is  honored  
  by  participating  merchants.  In  addition,  you  may  
  access  your  account  through  balance  transfers  of  
credit card balances from other financial institutions.  
  No  purchase  may  exceed  the  available  credit  line  
  established  for  your  account.  The  Credit  Union  
reserves the right to refuse any transaction that would  

  draw upon insufficient funds.
b. VISA Convenience Checks. If we approve, you may  
  obtain  advances  under  your  Account  by  writing  
  preprinted  VISA  convenience  loan  checks  that  we  
supply to you. Your use of loan checks will be shown  
  as  cash  advances  on  your  monthly  statement.  We  
  may not honor your loan check if: your check is post- 
  dated;  payment  of  the  check  would  exceed  your  
  Credit  Limit;  a  check  is  signed  by  person  without  
  authorized  access;  the  amount  of  the  check  is  less  
than  the  minimum  required  amount;  your  Account  
  has been terminated or suspended, or any drafts have  

  written 

  been  reported 
lost  or  stolen.  You  may  stop  
  payment on a loan check if you provide us with the  
  exact  information  describing  the  check.  If  you  give  
  us incorrect information, we will not be responsible  
for failing to stop payment. You understand there may  
  be a charge for each stop payment order requested.  
  Our liability for a wrongful dishonor is limited to your  
  actual charges; however, a dishonor for the reasons  
stated  above  is  not  a  wrongful  dishonor.  Only  the  
  person  whose  name  is  printed  on  a  convenience  
check  may  sign  it.  All  convenience  checks  must  be  
in  U.S.  dollars.  We  will  not  certify  a  
convenience check. You may write these checks for  
  any amount providing your total outstanding balance  
  does not exceed your available credit limit and your  
credit card remains in good standing. We are entitled  
to  return  it  unpaid  if  there  is  not  enough  available  
credit on your account to pay it, if you are in default  
  under  this  Agreement,  if  your  card  or  convenience  
checks  have  been  reported  lost  or  stolen,  or  if  the  
convenience 
is  post-dated.  A  VISA  
convenience  check  may  not  be  used  to  make  a  
  payment  on  your  VISA  credit  card  account.  The  
  Credit Union shall have no liability for any convenience  

check 

check returned in excess of your credit line.

3. YOU PROMISE TO PAY.  You promise to pay us all 
such  amounts,  plus  any  Interest  Charges,  which  arise 
from  use  of  the  Card  or  Account  by  you  or  any  other 
person, and to be jointly and severally liable with such a 
person, unless such other person does not have actual, 
implied,  or  apparent  authority  for  such  use,  and  you 
received  no  benefit  from  the  use.  You  promise  to  pay 
us either by direct payment or by automatic transfers.

4.  CREDIT  LINE.  This  Agreement  will  constitute  a 
revolving line of credit for an amount which will be the 
credit  line  under  your  Account.  You  may  access  your 
credit  line  through  card  purchases,  cash  advances 
at  participating  merchants,  loan  checks  and  balance 
transfers.  We  will  advise  you  of  the  amount  of  your 
credit line on your statement. That amount will be the 
maximum amount you may have outstanding at any one 
time.  You  agree  not  to  attempt  to  obtain  more  credit 
than the amount of your credit line. We retain the right 
to increase or decrease your credit line at any time for 
any reason. Any increase or reduction on the limit of your
credit line will be shown on your monthly statement or 
by  separate  notice  together  with  any  changes  in  the 
applicable minimum monthly payments. Your eligibility 
for  this  credit  line  is  determined  by  our  loan  policy 
and may be terminated at our sole discretion, without 
demand  or  notice.  You  may  close  your  credit  line  at 

any time by notifying us in writing. If you terminate this 
Agreement  or  if  we  terminate  or  suspend  your  credit 
privileges,  the  provisions  of  this  Agreement  and  your 
liability  hereunder  shall  otherwise  remain  in  full  force 
and effect until you have paid us all sums due us under 
this Agreement.

5. MINIMUM MONTHLY PAYMENT. You agree that you 
will pay each month not less than the minimum monthly 
payment on or before the scheduled monthly due date. 
The minimum monthly payment will be 2.0% of your is 
greater. If your outstanding balance is $25.00 or less, you 
agree to pay the balance in full. You may pay in full for all 
your purchases and cash advances each month, or you 
may repay in monthly installments. We can accept late 
payments or partial payments, or checks, drafts, or money 
orders  marked  “payment  in  full”  without  prejudice 
to  our  rights  under  this  Agreement,  which  are  hereby 
explicitly reserved. A credit posting from a merchant or 
reversal of fees do not constitute a minimum payment. 
The minimum payment may be allocated at the Credit 
Union’s  discretion  to  pay  off  lower  rate  balances,  such 
as promotional offers, before higher rate balances, such 
as cash advances or purchases. Payments in excess of 
the  minimum payment will be allocated first  to higher 
rate balances, as applicable. From time to time, we may 
allow you to skip your minimum monthly payment due. 
If you choose to skip that payment, Interest Charges will 
continue to accrue in accordance with this Agreement. 
Payments  received  at:  2355  W.  Pinnacle  Peak  Rd., 
Phoenix,  AZ  85027  at  or  before  5:00  PM  Mountain 
Standard Time on any business day will be credited to 
your Account as of that date; payments received by mail 
at that address after 5:00 PM Mountain Standard Time, 
on a weekend or federal holiday will be posted to your 
Account as of the next business day. Payment crediting 
to your Account may be delayed up to five days if your 
payment is received by mail at any other address or not 
accompanied by the remittance portion of your Account
statement.

6. SECURITY INTEREST. You grant the Credit Union a 
security interest under the Arizona Uniform Commercial
Code in any goods purchased through your VISA Credit
Card Account. You agree that all collateral you have given 
the  Credit  Union  to  secure  other  open-end  consumer 
loan  obligations  (except  dwelling  secured  loans),  in 
the past and in the future, will secure your obligations 
under this Agreement. In addition, by signing the Card 
Application, you have given us a security interest in all 
your  shares  and  deposits,  present  and  future,  and  all 
accounts  (except  Individual  Retirement  Accounts)  with 
the  Credit  Union  you  agree,  upon  default,  the  Credit 

Union may apply all that is secured to pay any amounts 
due under this Agreement, without further notice to you.

7. MONTHLY STATEMENTS. Each month we will send 
you  a  statement  showing  purchases,  cash  advances, 
payments,  and  credits  made  to  your  Account  during 
the  billing  cycle,  as  well  as  your  “New  Balance,”  any 
Interest  Charge  and  any  late  charge  or  other  charges. 
Your statement also will identify the Minimum monthly 
payment  you  must  make  for  that  billing  period  and 
the  date  it  is  due.  You  agree  to  retain  for  statement 
verification  copies  of  transaction  slips  resulting  from 
each purchase, each advance, and other transaction on 
your Account. Unless you notify us of a billing error as 
described below, you accept your monthly statement as 
an accurate statement of your Account with us.

8. CIRCUMSTANCES UNDER WHICH AN INTEREST 
CHARGE  WILL  BE  IMPOSED.  The  total  outstanding 
balance of purchases and cash advances in the Account
on  the  closing  date  of  a  billing  cycle,  including  any 
Interest Charge will be shown on the Periodic Statement 
for that billing cycle as the “New Balance.”
a.  Cash  Advances  (Interest  Charge).  An  interest  
  Charge  will  be  imposed  on  cash  advances  and  
  balance  transfers  from  the  date  each  advance  is  
  made  to  the  date  paid.  The  Credit  Union  charges 
  a  cash  advance  fee  (Interest  Charge)  of  3%  of  the 
cash  advance  transaction  (minimum  $10.00)  from 
the date of the transaction until the amount is paid. 
  There is no grace period to avoid a cash advance fee  
(Interest  Charge).  There  is  no  cash  advance  fee  on  
  balance  transfer  advances  or  convenience  checks.  
  There  is  a  minimum  Interest  Charge  of  $1.00  on  
  unpaid balances.
b.  Purchases.  An  Interest  Charge  will  be  imposed  on 
the portion of purchases included in the new balance
that  remains  unpaid  25  days  after  the  closing  date. 
  This “grace period” allows you to avoid an Interest 
  Charge on purchases for a billing cycle. However, to 
the extent you do not pay your purchase transactions 
  within  the  grace  period,  your  Interest  Charge  will 
  accrue from the date purchases are posted to your 
  account.  There  is  a  minimum  Interest  Charge  of 
  $1.00 on unpaid balances.

9.  METHOD  USED  TO  DETERMINE  THE  BALANCE 
ON  WHICH  THE  INTEREST  CHARGE  MAY  BE 
COMPUTED AND AMOUNT OF INTEREST CHARGE.
The  Credit  Union  figures  the  Periodic  Interest  Charge 
on  your  Account  by  applying  the  Periodic  Rate  to  the 
“Average  Daily  Balance”  of  new  and  previous  unpaid 
transactions  for  your  Account.  To  get  the  “Average 

Daily  Balance”  we  take  the  beginning  purchase  and 
cash advance balances of your Account each day, add 
any  new  purchases,  cash  advances,  balance  transfer 
amounts or debit adjustments or charges and subtract 
any  payments  or  credits,  unpaid  Interest  Charges  and 
unpaid  late  charges.  This  gives  us  the  daily  balance. 
Then  we  add  up  all  the  daily  balances  for  the  billing 
cycle  and  divide  by  the  number  of  days  in  the  billing 
cycle.  This  gives  us  the  Average  Daily  Balance  for 
purchases, cash advances and balance transfers.

10. PERIODIC RATE AND CORRESPONDING ANNUAL 
PERCENTAGE RATE.
a.  Variable  Rate.  During  an  introductory  period,  we 
  offer a fixed Annual Percentage Rate for purchases, cash 
  advances  and  balance  transfers.  The  introductory  
  period 
is  six  months  for  purchases  and  cash 
  advances  and  nine  months  for  balance  transfers.  
  After the introductory period, your Annual Percentage
  Rate  will  be  variable  based  on  the  following  terms. 
  The Interest Charge imposed during the billing cycle 
  will be determined by multiplying the Average Daily 
  Balance by the Daily Periodic Rate times the number 
  of  days  in  the  billing  cycle.  The  Periodic  Rate  and 
  Annual  Percentage  Rate  are  variable  based  on  a 
  margin  and  an  index,  which  is  the  highest  Prime 
  Rate published in the Western Edition of the Money 
  Rates Section of the Wall Street Journal. We add a 
  margin to the index to obtain the Annual Percentage 
  Rate.  The  margin  we  add  may  range  from  6.74% 
to  14.75%  based  upon  your  credit  qualifications. 
  The  index  is  determined  the  1st  day  of  the  billing 
cycle  immediately  following  the  expiration  of  the 
Introductory  Rate  period  and  subsequently,  on  the 
  15th day of the month immediately proceeding the 
  1st day of each billing cycle, rounded to the nearest 
.25 percentage point. The index plus/minus margin 
  equals  the  Annual  Percentage  Rate.  The  Annual 
  Percentage  Rate  is  divided  by  365  to  determine 
the  Daily  Periodic  Rate.  Changes  in  the  Annual 
  Percentage  Rate  may  affect  the  amount  of  the 
  payment and the number of payments you will make. 
  The  Annual  Percentage  Rate  will  never  exceed 
  18.00%.  The  Annual  Percentage  Rate  and  Periodic 
  Rate applicable to your account will be based upon 
your  credit  qualification  and  margin  assigned  to 
you  and  will  be  disclosed  on  a  separate  disclosure 
  accompanying  your  Card  or  this  Agreement  and 
shown  on  each  monthly  statement.  The  “Total 
Interest Charge” shown on your monthly statement 
consists of the periodic Interest Charge on purchases, 
the periodic Interest Charge on cash advances and 

b.  Default  Rate.  The  Daily  Periodic  Rate  and  Annual  
  Percentage  Rate  may  increase  if  your  minimum 
  payment has not been received within 60 days after 
the  due  date  for  such  payment,  in  which  case  the 
  Annual  Percentage  Rate  for  your  entire  balance 
  will  immediately  increase  to  18.00%.  Following  the 
  default  rate  increase,  if  you  make  your  payments 
  on  time  for  six  (6)  consecutive  months,  the  Annual 
  Percentage  Rate  based  on  a  default  will  terminate 
  and the prevailing variable Annual Percentage Rate 
  will apply.

11. CONDITIONS UNDER WHICH OTHER CHARGES
MAY BE IMPOSED. You agree to pay the following fees 
and charges on your Account:
a.  Late Fee. If we do not receive your minimum payment 
  by the payment due date shown on your statement, 

you agree to pay a Late Fee of $25.00.

b.  Returned  Item  Charge.  If  any  check  or  draft  we 
receive  from  you  as  payment  for  any  amount  you 
  owe to us is returned to us unpaid, you agree to pay 
  a returned item fee of $25.00 or the amount of the 

returned item, whichever is less.

c.  ATM  Fees.  If  you  use  an  ATM  to  obtain  a  cash 
  advance and the ATM is not operated by us, you may 
  be charged an ATM surcharge by the ATM operator 
  or  an  ATM  network  utilized  for  such  a  transaction. 
  The ATM surcharge may be charged to your account 

if you complete the transaction.

d.  Attorney’s  Fees  and  Costs.  If  you  default  on  any 
  part  of  this  Agreement,  you  agree  to  pay  us  all 
costs  to  collect  your  Account,  including  court  costs 
  and reasonable attorney fees and collection agency 
costs whether or not there is a lawsuit, and fees on 
  any  appeal  and  fees  for  bankruptcy  proceedings, 
  appeals, and any post judgment collection services, 

if applicable.

12. CONDITIONS OF CARD USE. The use of your Card 
  and Account are subject to the following conditions: 
a.  Ownership  of  Cards.  Any  Card  or  other  credit 
instrument  or  device  which  we  supply  to  you  is 
  our property and must be returned to us, or to any 
  person  whom  we  authorize  to  act  as  our  agent,  or 
to any person who is authorized to honor the Card, 
immediately according to instructions. The Card may 
  be  repossessed  at  any  time  at  our  sole  discretion 
  without demand or notice. You cannot transfer your 
  Card  or  Account  to  another  person.  You  may  not 
  use the Card for any illegal or unlawful transactions 
  and  we  may  decline  to  authorize  any  transaction 
that  we  believe  poses  an  undue  risk  of  illegality  or 

  Cash Advance (Interest Charge) fees.

  unlawfulness.