Frontwave Credit Union 
1278 Rocky Point Drive 
Oceanside, CA 92056-5867 
Toll Free (800) 736-4500 
Fax (877) 789-7628 

VISA CREDIT CARD AGREEMENT 

IN  THIS  AGREEMENT, "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE 
DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS FRONTWAVE CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, 
YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN. 

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR 
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. 

YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY 
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE 
WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT OF 
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT. YOU  ALSO  AGREE 
THAT WE  HAVE SIMILAR  STATUTORY LIEN  RIGHTS  UNDER  STATE 
AND/OR  FEDERAL  LAW. IF  YOU ARE  IN  DEFAULT, WE  CAN APPLY 
YOUR SHARES TO THE AMOUNT YOU OWE. 

Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other 
account that would lose special tax treatment under state or federal law if 
given are not subject to this security interest. 

If  you  have  other  loans  with  us,  collateral  securing  such  loans  will  also 
secure your obligations under this Agreement, unless that other collateral 
is your principal residence or non-purchase money household goods. 

Using Your Card. You  can  purchase  or  lease  goods  and  services  from  any 
merchant  who  honors  your  Card.  For  Platinum,  Classic,  and  Signature 
Reward  Cards,  your  cash  advance  limit  is  50%  of  your  credit  limit.  For 
Secured  Cards,  you  may  obtain  cash  advances  and  balance  transfers  up  to 
your  maximum  credit  limit.  You agree  not  to  present  your  Card  or  obtain  a 
cash  advance  for  any  extension  of  credit  in  excess  of  your  available  credit 
limit;  however,  if  you  do  exceed  your  credit  limit,  you  agree  to  make 
immediate  payment  sufficient  to  bring  the  balance  below  the  credit  limit. 
to 
Certain  purchases  and  cash  advances  require  authorization  prior 
completion  of  the  transaction.  In  some  cases,  you  may  be  asked  to  provide 
identification. If our system is not working, we may not be able to authorize a 
transaction, even though you have sufficient credit available. Also, for security 
reasons, we may block the use of your Card in certain countries or geographic 
areas. We will have no liability to you or others if any of these events occur. 

(PIN). We  may 

Identification  Number 

Personal 
issue  a  Personal 
Identification  Number  (PIN)  for  use  with  your  Card.  This  PIN  is  confidential 
and should not be disclosed to anyone. You may use your PIN and your Card 
to access your account, and all sums advanced will be added to your account 
balance.  In  the  event  a  use  of  your  PIN  constitutes  an  Electronic  Funds 
Transfer,  the  terms  and  conditions  of  your  Electronic  Funds  Transfer 
Agreement may affect your rights. 

Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, 
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you 
authorize  to  use  the  Card;  (b)  all  Interest  Charges  and  all  other  charges  or 
fees;  (c)  collection  costs  and  attorney's  fees  as  permitted  by  applicable  law, 
and any costs incurred in the recovery of the Card; and (d) credit in excess of 
your credit limit that we may extend to you. 

Illegal Transactions. You agree that your Card and account will not be used 
to make or facilitate any illegal transactions as determined by applicable law; 
and that any such use will constitute an event of default under this Agreement. 
We may decline any transaction that we believe to be illegal under applicable 
law,  including  but  not  limited  to  any  transaction  involving  or  relating  to  any 
gambling activity. You agree that we will have no liability or responsibility for 
any  such  use  by  you  or  any  authorized  user(s);  or  for  declining  any  such 
transaction.  You further  agree  to  indemnify  and  hold  us  harmless  from  any 
suits,  liability, damages  or  adverse  action  of  any  kind  that  results  directly  or 
indirectly  from  such  illegal  use.  You promise  to  pay  us  any  and  all  amounts 
owing on your Card for any transactions made by you, even if the transaction 
is determined to be illegal. 

Joint Accounts. Each of you will be responsible, jointly and severally, for the 
repayment  of  amounts  owed,  regardless  of  who  initiated  any  transaction 
under the account. 

Others Using Your Account. If  you allow anyone else to use your account, 
you will be liable for all credit extended to such persons. You promise to pay 
for  all  purchases  and  advances  made  by  anyone  you  authorize  to  use  your 
account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.  If 
someone  else  is  authorized  to  use  your  account  and  you  want  to  end  that 
person's privilege, you must notify us in writing, and if he or she has a Card, 
you must return that Card with your written notice for it to be effective. 

Ownership  of  Card. Your  Card  remains  our  property  and  may  be  cancelled 
by  us  at  any  time  without  notice.  You agree  to  surrender  your  Card  and  to 
discontinue use of the account immediately upon our request. 

Interest Charges. You agree to pay interest at the rate(s) disclosed to you at 
the time you open your account and as may be changed from time to time in 
accordance  with  applicable  law.  Average  Daily  Balance  including  new 
transactions: Interest  Charges  will  accrue  on  your  average  daily  balance 
outstanding during the month. To get the average daily balance, we take the 
beginning  balance  each  day,  add  any  new  purchases,  cash  advances, 
balance transfers or other advances, and debit adjustments and subtract any 
unpaid late charges. This gives us the daily balance. Then, we add up all the 
daily balances for the billing cycle and divide that by the number of days in the 
billing  cycle.  We  then  multiply  that  by  the  periodic  rate  corresponding  to  the 
Annual Percentage Rate on your account. 
Grace  Period  on  Purchases  Only: You  can  avoid  Interest  Charges  on 
purchases by paying the full amount of the new balance for purchases each 
month by the date on which the payment is due. Otherwise, the new balance 
of your account, and subsequent advances from the date they are posted to 
the account, will be subject to an Interest Charge. You cannot avoid Interest 
Charges on cash advances and balance transfers; even if you pay the entire 
cash advance balance or balance transfer balance by the payment due date, 
you will incur the Interest Charges accrued from the date the cash advance or 
balance transfer is posted to your account. 

Fees. In  addition  to  the  Interest  Charges  set  forth  above,  you  agree  to  also 
pay  any  and  all  fees  that  you  incur  as  disclosed  to  you  on  your  Truth-in-
Lending  Statement  or  similar  disclosures  (as  may  be  amended  from  time  to 
time), or as disclosed to you during the term of your Card. 

If  Your  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use  Occurs.  You 
agree  to  notify  us  immediately  if  your  Card  is  ever  lost  or  stolen  or  if  an 
unauthorized  use  may  have  occurred.  "Unauthorized  use"  means  the  use  of 
the  Card  by  someone  other  than  you  who  does  not  have  actual,  implied  or 
apparent authority for such use, and from which you receive no benefit. The 
telephone number to call is (800) 736-4500, during standard business hours, 
or  (800)  682-6075,  after  hours,  holidays  and  weekends. You agree  to  follow 
up  your  call  with  notice  in  writing  to  us  at:  Card  Services  Department, 
FRONTWAVE CREDIT  UNION,  1278  ROCKY  POINT  DRIVE,  OCEANSIDE, 
CA  92056-5867.  You  also  agree  to  assist  us  in  determining  the  facts, 
circumstances  and  other  pertinent  information  relating  to  any  loss,  theft  or 
possible unauthorized use of your Card and comply with such procedures as 
we may require in connection with our investigation. You will be liable for any 
unauthorized use only if we can prove that you were negligent in your use or 
handling of your Card, or if we can prove that you used your Card fraudulently. 

Minimum Payment Due; Crediting of Payments. Payments  are due in the 
amount and on the date disclosed on your billing statement. If your payment 
is  received  by  us  on  a  business  day  at  the  address  and  by  the  time 
designated on the billing statement, it will be credited to your account on the 
date  of  receipt.  If  payment  is  made  at  any  location  other  than  the  address 
designated  on  the  periodic  statement,  credit  for  such  payment  may  be 
delayed  up  to  five  (5)  days.  Payments  will  be  applied  in  any  order  we 
determine, subject to applicable law. 

9011 LASER FI18880 Rev 2-2019 

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 

IN  THIS  AGREEMENT, "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE 
DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS FRONTWAVE CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, 
YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN. 

Default; Acceleration; Credit Suspension; Collection Costs. You will be in 
default if: (1) you fail to make any payment on time; (2) if you fail to keep any 
promises  you  have  made  under  this Agreement  or  under  other Agreements 
you have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a 
bankruptcy  petition  filed  against  you,  or  if  you  become  involved  in  any 
insolvency,  receivership  or  custodial  proceeding;  (5)  if  anyone  attempts  to 
take any of your funds held by us via legal process or if you have a judgment 
or  tax  lien  filed  against  you;  (6)  if  you  make  any  false,  inaccurate,  or 
misleading statements in any credit application or credit update; or (7) if we, in 
good  faith,  believe  that  your  ability  to repay  what you  owe is or soon  will  be 
impaired, or that you are unwilling to make your payments. 
If you are in default, we have the right to demand immediate payment of your 
full  account  balance  without  giving  you  notice.  If  immediate  payment  is 
demanded, you agree to continue paying interest charges and fees until what 
you owe has been paid, and any shares that were given as security for your 
account  may  be  applied  towards  what  you  owe.  You  agree  to  pay  all 
reasonable costs of collection, including court costs and attorney's fees, and 
any costs incurred in the recovery of the Card, subject to applicable law. Even 
if  your  unpaid  balance  is  less  than  your  credit  limit,  you  will  have  no  credit 
available during any time that any aspect of your account is in default. 

Suspension  of  electronic  services  and  access  to  share  or  deposit 
accounts. Subject  to applicable law, we may suspend some or all electronic 
services  and  access  to  your  checking  or  other  account(s)  if  you  become 
delinquent on any of your credit card or deposit obligations to us or you cause 
a  loss  to  us.  We  shall  not  be  liable  to  you  in  any  regard  in  connection  with 
such suspension of services. 

Additional  Benefits/Card  Enhancements. We  may  from  time  to  time  offer 
additional  services  to  your  Account  at  no  additional  cost  to  you.  You 
understand that we are not obligated to offer such services and may withdraw 
or change them at any time. 

Convenience Checks. We may, at our discretion, issue checks to you which 
may be used for any purpose other than making a payment for credit to your 
account.  By  signing  such  check,  you  authorize  us  to  pay  the  item  for  the 
amount indicated and post such amount as a cash advance to your account. 
We do not have to pay any item which would cause the outstanding balance 
in your account to exceed your credit limit. 

Credit  Information. We  may  from  time  to  time  request  personal  information 
from  you  or  obtain  credit  reports  from  the  credit  reporting  agencies  for  the 
purpose of updating your credit status. Your failure to provide such information 
when requested by us may result in suspension of credit privileges under this 
Agreement,  including  your  ability  to  obtain  any  future  advances  by  any 
means. You authorize us to investigate your credit standing when opening or 
reviewing  your  account.  You authorize  us  to  disclose  information  regarding 
your  account  to  credit  bureau  and  creditors  who  inquire  about  your  credit 
standing. 

constitutes  agreement  and  acceptance  of  any  change  in  terms,  unless 
applicable law requires otherwise. Our failure to exercise any of our rights or 
to  take  any  action  shall  not  constitute  a  waiver  of  those  rights,  or  an 
amendment or change in any of the terms of this Agreement. 

total 

increase  your 

Late  or  Partial  Payments. Any  payment  that  delays  the  reduction  of  your 
balance  will 
interest  costs.  Partial  payments  or 
prepayments will not delay your next scheduled payment - you will still need 
to make the minimum scheduled payment by the next scheduled due date to 
keep your account current. We may accept late payments, partial payments, 
checks  or  money  orders  marked  "payment  in  full"  and  such  action  shall  not 
constitute  final  settlement  of  your  account  or  a  waiver  or  forgiveness  of  any 
amounts owing under this Agreement. 

Enforcement. We do not lose our rights under this or any related agreement 
if we delay enforcing them. If any provision of this or any related agreement is 
determined  to  be  unenforceable  or  invalid,  all  other  provisions  remain  in  full 
force and effect. 

Returns and Adjustments. Merchants  and others who honor the Card may 
give  credit  for  returns  or  adjustments,  and  they  will  do  so  by  submitting  a 
credit slip which will be posted to your account. If your credits and payments 
exceed what you owe us, the amount will be applied against future purchases 
and  cash  advances.  If  the  credit  balance  amount  is  $1  or  more,  it  will  be 
refunded upon your written or verbal request. 

Plan Merchant Disputes. We are not responsible for the refusal of any plan 
merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not 
responsible for goods or services that you purchase with the Card unless: (a) 
your  purchase  was  made  in  response  to  an  advertisement  we  sent  or 
participated in sending you; or (b) your purchase cost more than $50 and was 
made  from  a  plan  merchant  in  your  state  or  within  100  miles  of  your  home; 
and  only  if  you  have  made  a  good  faith  attempt,  but  have  been  unable  to 
obtain  satisfaction  from  the  plan  merchant.  You  must  resolve  all  other 
disputes directly with the plan merchant. We do not warrant any merchandise 
or services purchased by you with the Card. 

Statements and Notices. Statements and notices will be mailed to you at the 
most recent postal address or e-mail address (if you have elected to receive 
such documents via electronic means) you have given us. Notice sent to any 
one of you will be considered notice to all. 

Notification  of Address  Change. You  will  notify  us  promptly  if  you  change 
your  address  for  any  reason.  In  order  to  prevent  identity  theft,  your  identity 
may need to be verified before we act upon the notification. 

Copy  Received. You  acknowledge  that  you  have  received  a  copy  of  this 
Agreement. 

Foreign  Transactions;  Currency  Conversion. Purchases 
and  cash 
advances made in foreign currencies will be billed to you in U.S. dollars. The 
conversion rate in dollars will be a rate selected by the card company from a 
range  of  rates  available  in  wholesale  currency  markets  for  the  applicable 
central processing date, which rate may vary from the rate the card company 
itself  receives,  or  the  government-mandated  rate  in  effect  for  the  applicable 
central  processing  date  in  each  instance. All  transactions  processed  outside 
of the United States (which may include internet transactions) will be charged 
a  foreign  transaction  fee  in  the  amount  disclosed  on  your  Truth-in-Lending 
Statement (as amended from time to time). 

Governing  Law.  This  Agreement  shall  be  construed  under  federal  law  and 
state law in the state in which we are primarily located, and the venue shall be 
located  in  the  county  and  state  in  which  we  are  primarily  located.  Operating 
regulations of Visa may also apply. This Agreement is the contract that applies 
to all transactions even though the sales, cash advance, convenience check, 
credit or other slips you sign or receive may contain different terms. 

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. 

Termination;  Change-in-Terms. We  may,  by  written  notice,  terminate  this 
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this 
Agreement by written notice. Termination by either party shall not affect your 
obligation to repay any payments made for your account resulting from use of 
the Card as well as Interest Charges and fees incurred. We may change the 
terms of this Agreement, including the method of calculating the periodic rate, 
at  any  time,  by  written  notice,  subject  to  applicable  law.  Use  of  the  Card 
￿ 

Contact  Us. Balance  information  may  be  obtained  by  calling  our  automated 
Express Line at 1-800-829-7676 or via our website at www.frontwavecu.com. 
An  access  code  is  required  for  both  of  these  options. You may  also  contact 
our Member Solution Center during business hours to speak with an agent at 
1-800-736- 4500.  Our  business  days  and  hours  are  Monday  through  Friday 
(7:00 am to 6:00 pm) and Saturday (9:00 am to 4:00 pm) excluding holidays. 

9011 LASER FI18880 Rev 2-2019 

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS: 
The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military 
Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (“MLA”), and (a) your loan is unsecured or secured by personal property or a vehicle 
that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving 
line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA). 
1.  NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. 
In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 
percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection 
fees;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee  charged  (other  than  certain  application  fees  for 
specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive 
this notice verbally, please call 1-800-736-4500 during our normal business hours. 

2.  This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection 
with this loan (“Secured Account”). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization 
provision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject 
to the Military Lending Act. 
However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the 
sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan. 

3.  Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to 
waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from 
you in order to exercise your legal rights; or (d) Prepayment penalties. 

4.  Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to 
these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms 
and conditions of the consumer credit contract shall remain in full force and effect. 

YOUR BILLING RIGHTS - KEEP THIS NOTICE 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(es) 
listed on your statement. 

In your letter, give us the following information: 

1.  Your name and account number. 
2. The dollar amount of the suspected error. 
3. If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is 

wrong and why you believe it is a mistake. 

4. Your signature. 

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 address(es) 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. 

9011 LASER FI18880 Rev 2-2019 

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.