CREDIT CARD AGREEMENT AND DISCLOSURE 

This Agreement and Disclosure sets forth the terms and conditions of the Logix Federal Credit Union Platinum Classic, Platinum and 
Platinum Rewards Credit Cards and contains important information and disclosures as required by law. All terms and conditions in 
this Agreement  and Disclosure apply to the Logix Platinum Classic, Platinum and Platinum Rewards  Credit Cards unless otherwise 
identified.  Please Read it Carefully and Retain this Agreement and Disclosure. 

In this Agreement and Disclosure, the words "you", "your" and "yours" mean each and all of those who apply for, sign, or use  the 
Credit  Card.  The  words  "we",  "us”,  "our",  and  “Logix”  each  mean  Logix  Federal  Credit  Union.  “Credit  Card”  and  "Card"  mean  the 
Platinum Classic, Platinum and Platinum Rewards Credit Card issued to you and any duplicates and renewals we may issue. Rewards 
means  the  Platinum  Rewards  Credit  Card.  "Account"  means  your  Credit  Card  Account  with  Logix  unless  otherwise  stated.  By 
accepting and/or using the Credit Card, or by your authorizing anyone else to use the  Credit Card, you agree to be bound by the 
terms and conditions of this Agreement and Disclosure. Additional Rewards information is available at www.lfcu.com or call (800) 
328-5328. 

All terms and conditions in this Agreement and Disclosure including any application that you provided (including any application you 
made over the telephone or the Internet) apply to your Account. 

NOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A VARIABLE ANNUAL PERCENTAGE (INTEREST) RATE.  

SIGN YOUR CARD: Immediately sign the signature panel on the back of your Card upon receipt. The Card must be signed in order to 
be valid. 

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 and Disclosure 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, periodic rate and/or fee in accordance with applicable laws. If required by applicable law, a notice of the change 
will  be  mailed  to  you  at  your  last  known  address  or  delivered  electronically  via  Online  Banking  when  you  electronically  agree  to 
receive electronic notices and statements from Logix. You also understand that in the event of a significant change in account terms, 
as defined under the Federal Truth-in-Lending Act, any such notice will be mailed or electronically delivered (if applicable), at least 
forty-five  (45)  days  prior  to  the  effective  date  of  the  significant  change  in  account  terms  as  required  by  applicable  law.  If  we  are 
required by applicable law to provide you a right to reject significant changes to this Agreement and Disclosure 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 
based on information in your credit report, market conditions, and business strategy or for any other reason. A Notice of Change-In-
Terms when 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.  

CREDIT  LIMIT:  We  will  establish  a  Credit  Limit  for  you  as  the  maximum  principal  amount  of  credit  available  to  you  under  this 
Agreement. You agree not to request or obtain purchases, balance transfers, or cash loan advances above your Credit Limit at  any 
time. To do so is an event of default, subject to remedies stated below. You will pay any amounts which exceed the maximum Credit 
Limit upon demand. We will advise you of your Credit Limit in writing and it will become part of this Agreement by this reference. 
You understand that your Credit Limit can be increased and decreased by us at any time; however, we will notify you, in writing, of 
any change. 

USING THE CARD: To make a purchase or obtain a cash loan advance: (1) Present the Card to a participating Plan Merchant, to us, or 
to  another  financial  institution,  and  sign  the  sales  slip  or  cash  advance  draft  which  will  be  imprinted  with  your  Card Number;  (2) 
Obtain a cash loan advance by using your Card and Personal Identification Number (PIN) at a participating ATM; (3) Swipe your Card 
and select “Credit” at electronic terminals that provide access to the credit card system; or, (4) Use of your credit card Convenience 
Checks which may be provided to you by Logix.   

If  you  have  a  chip  embedded  credit  card,  you  may  be  required  to  enter  your  PIN  number.    Chip  and  PIN  is  the  highest  level  of 
security  provided  on  chip  credit  cards.  There  may  be  some  merchant  terminals  that  will  ask  for  a  PIN  to  be  entered  with  your 
purchase. 

You may not use the Card for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe 
poses an undue risk of illegality or unlawfulness. We are not responsible for the refusal of any plan merchant or financial institution 
to honor your card.  

ATM ACCESS FOR CASH ADVANCES AND ATM CASH ADVANCE LIMITS: Your Card and Personal Identification Number (PIN) can be 
used to obtain cash loan advances from your Account at Logix ATMs and at other ATMs that allow PIN based Credit Card cash loan 
advances.  You  may  obtain  cash  loan  advances  against  your  Account  up  to a  maximum  aggregate  total  of  $600  per  day,  provided 
sufficient credit is available. 

REPAYMENT: You promise to repay to us at our office in Burbank, California, or such other place as we may designate in writing, all 
sums advanced by us from time to time under this Agreement, all applicable charges and fees, any interest and any other charges 
computed on the credit card account as described below. 

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PAYMENTS:  You  will  receive  a  statement  for  each  monthly  billing  period  in  which  your  account  has  an  outstanding  balance, 
itemizing the transactions on your account. You must make payments at least monthly in an amount at least equal to the minimum 
payment amount. The minimum payment amount will be based on the new balance shown on your statement. Such payments must 
be made regardless of any prepayments as long as a balance exists. Your periodic payment is applied in the following order: (a) to 
late charges and fees, if any; (b) to periodic interest on balance transfers, advances, and purchases; (c) the unpaid balance of cash 
loan advances and balance transfers; and, (d) credit purchases of goods and services.  Payments in excess of the required MINIMUM 
PAYMENT will be applied first to the balances subject to the highest Annual Percentage Rate and then to balances subject to lower 
Annual Percentage Rates, in descending order of Annual Percentage Rates until all balances subject to an Annual Percentage Rate 
are paid in full.  You must pay each billing period, by the specified Payment Due Date, a MINIMUM PAYMENT of at least 2% of the 
outstanding balance, but  not less than $30.00.  If your balance is less than $30.00, the MINIMUM PAYMENT amount  will be your 
balance. 

AUTOMATIC PAYMENT OPTION: If you have elected Automatic Payment (or "AutoPay"), Logix will automatically deduct and transfer 
your monthly Credit Card payment  from your designated  Logix checking or  savings account  on  the scheduled Payment  Due Date. 
The Automatic Payment Option is voluntary, is not a condition of credit or this Agreement, and can be withdrawn by you at any 
time. 

When you elect AutoPay, you agree and authorize us to adjust the automatic payment amount each month to either the minimum 
monthly payment  (Required Payment  Due) or “payment  in full”.   Notification of the  varying payment  amount  due  and scheduled 
payment due date will be satisfied by providing you with a monthly billing statement reflecting this information. 

If sufficient funds are not available in your designated checking or savings account to satisfy the total amount of the payment when 
due, we will take whatever funds are available each processing day until the minimum payment  is satisfied.  If due to insufficient 
funds, we do not transfer funds to make your required Credit Card payment, you will be responsible to ensure that the required 
Credit Card payment is made. If your designated checking or savings account has insufficient funds on the scheduled payment date 
on two or more occasions, we may terminate the Automatic Payment option. 

Unless terminated earlier by us, the Automatic Payment option remains in full force until Logix receives written or verbal notification 
from you terminating the arrangement. Your request for termination must give Logix reasonable opportunity to act on it. 

USING YOUR LOGIX PLATINUM REWARDS CREDIT CARD TO EARN REWARDS:   Please see the Logix Rewards Program Disclosure – 
Program Rules for more information.  

VARIABLE RATE INFORMATION: The Platinum Classic, Platinum and Platinum Rewards Credit Cards have a variable-rate feature, and 
the annual percentage rate (corresponding to the periodic rate) and the minimum payment may increase as a result.  Any increase 
or decrease in the Annual Percentage Rate will result in changes in the amount and/or number of payments required to repay the 
Account  balance.    Decreases  in  the  Annual  Percentage  Rate  in  accordance  with  the  terms  of  this  Agreement  and  Disclosure  are 
mandatory.    Increases  in  the  Annual  Percentage  Rate  in  accordance  with  the  terms  of  this  Agreement  and  Disclosure  are  at  our 
discretion. 

INTEREST CHARGES AND ANNUAL PERCENTAGE RATE: 
The Annual Percentage Rate (APR) includes interest and may include fees considered to be a finance charge. The APR is based on 
an Index Value plus a Margin.  The Index is the highest U.S. Prime Rate as published in the Wall Street Journal on the day following 
your billing cycle date, rounded up to the nearest one-quarter of one percent (0.250%)(the Index Value). Your billing cycle date is the 
same day of each month as indicated on your credit card statement.  If the U.S. Prime Rate increases, your rate will increase. Should 
the Index be discontinued or otherwise be made unavailable during the term of your line of credit, we will choose a new Index that 
is based on comparable information and we will provide you notice of this change.   

The Margin is a specific number of percentage points which is added to the Index Value to calculate the Annual Percentage Rate. 
The  Margin  for  the  Platinum  Classic  Credit  Card  ranges  between  9.99%  and  14.74%.  The  Margin  for  the  Platinum  Credit  Card 
ranges  between  4.99%  and  14.74%.    The  Margin  for  the  Platinum  Rewards  Credit  Card  ranges  between  5.99%  and  14.74%.  The 
margin is the same for purchases, cash loan advances, and balance transfers. 

Ask us for the current Index Value. Your Daily Periodic Rate and corresponding Annual Percentage Rate, as well as the  applicable 
Index  +  Margin  are  included  in  your  Congratulations  “Approval”  Letter.  APR  information  will  be  reflected  on  your  periodic 
statements.  

Rate Changes: Increases and decreases in the ANNUAL PERCENTAGE RATE resulting from changes in the Index can occur monthly, 
that is, each billing period on the first day following your billing cycle date (the “Change Date”). On the date following your billing 
cycle date, we will adjust the ANNUAL PERCENTAGE RATE on the Account.  Annual Percentage Rate is based on the Index Value in 
effect as of the date following your billing cycle date, plus your Margin, and will be effective for the current (new) billing cycle.  If 
there is no change in the Index Value on the Change Date, the  Annual Percentage Rate will not change for that billing cycle.  The 
Maximum  Rate  is  currently  capped  by  regulation  at  18.00%.      Logix  reserves  the  right  to  increase  the  maximum  interest  rate  if 
permitted by law or regulation. 

Interest Charges on Cash Loan Advance:  Interest will be imposed on all cash loan advances that you obtain through the use of your 
Credit Card or Convenience Checks, including credit withdrawals at ATMs, and advances initiated via transfer through Telephone 
Banking, Online Banking, and through the Checking Account Overdraft Protection feature of your Card, as of the date of posting of 
each such cash loan advance. Interest will continue to accrue until the cash loan advance is repaid. 

Credit Purchases of Goods and Services.  Interest will be imposed on credit purchases of goods and services that you obtain with 
your Card as of the date such credit purchase is posted to your account and will continue to accrue until the date the credit purchase 
is repaid. However, Interest will not be imposed on credit purchases if paid in full by the payment due date. 

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GRACE PERIOD: There is a grace period of 25 calendar days on all credit purchases of goods and services. In order to avoid interest 
charges on new purchases, you must pay the entire New Balance shown on the statement by the Payment Due Date. If you do not 
pay in full the New Balance shown on the statement by the Payment Due Date, all new purchases will accrue interest at the daily 
periodic rate from the date of the purchase until the closing date of the billing cycle.  There is no grace period on balance transfers 
or on cash loan advance transactions.  Some examples of cash loan advances include cash withdrawals at ATMs; advances initiated 
via  transfer  through  Telephone  Banking  or  Online  Banking;  Convenience  Checks;  or  advances  for  Checking  Account  Overdraft 
Protection transfers, which accrue interest charges from the posting date. 

AVERAGE  DAILY  BALANCE  (INCLUDING  CURRENT  TRANSACTIONS)  COMPUTATION  METHOD:  We  figure  the  interest  on  your 
account  by  applying  the  periodic  rate  to  the  "Average  Daily  Balance"  of  your  account  (including  current  transactions).  To  get  the 
"Average Daily Balance" we take the beginning balance of your account each day, add any new purchases, balance transfers, and 
advances, and subtract any payments or credits and unpaid interest. This gives us the daily balance.  Then, we add up all the daily 
balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "Average Daily Balance".  

Daily Periodic Rate and Annual Percentage Rate (APR)  

Platinum Rewards -The Daily Periodic Rate used to compute the interest charges on the Platinum Rewards Account are the Index 
(Prime Rate, currently 3.50%) plus a Margin ranging from 5.99% to 14.74%, divided by [365]. This rate is 0.02600% on a 9.49% APR, 
0.03148% on an 11.49% APR, 0.03696% on a 13.49% APR, or 0.04929% on a 17.99% APR. The APR will vary with the market based 
on Prime Rate. 

Platinum (Regular) And Share Secured Platinum Card – Following the discounted introductory rate period, if applicable, the Daily 
Periodic Rate used to compute the interest charges on the Platinum Account is the Index (Prime Rate, currently 3.50%) plus a Margin 
ranging from 4.99 to 14.74%, divided by [365]. This rate is 0.02326% on an 8.49% APR, 0.02874% on a 10.49% APR, 0.03422% on a 
12.49% APR, 0.03970% on a 14.49% APR, or 0.04929% on a 17.99% APR.  The APR will vary with the market based on Prime Rate. 

Platinum  Classic  -  The  Daily  Periodic  Rate  used  to  compute  the  interest  charges  on  the  Platinum  Classic  Account  is  the  Index 
(currently 3.50%) plus a Margin ranging from 9.99 to 14.74%, divided by [365]. This rate is 0.03696% on a 13.49% APR, 0.03970% on 
a 14.49% APR, 0.04243% on a 15.49% APR, 0.04518% on a 16.49 % APR, or 0.04929% on a 17.99% APR. 

*Note:  Not  all  rates  stated  above  may  be  available  if  rate  tier  has  been  suspended.  Refer  to  your  Credit  Card  Congratulations 
“approval” letter for your applicable Annual Percentage Rate (APR) and Daily  Periodic Rate.   The APR  will vary with the market 
based on Prime Rate. 

Introductory  or  Promotional  Rate:    From  time  to  time,  there  may  be  an  introductory  and/or  promotional  periodic  rate  and 
corresponding Annual Percentage Rate for purchases, cash loan advances, and/or balance transfers.  The introductory rate and/or 
the promotional rate may be a discounted rate that is not based upon the Index and Margin used to make later adjustments. 

For example:  If the introductory periodic rate is 0.00% and corresponding APR is 0.00% for all transactions initiated during the first 
ninety (90) days after your Platinum Credit Card Account is opened and such introductory periodic rate and Annual Percentage Rate 
will remain applicable to your first ninety (90) days of transactions for a period of twelve (12) months.  Upon expiration of the twelve 
(12)  months,  your  first  ninety  (90)  days  of  transactions  will  be  subject  to  variable  periodic  rates  and  Annual  Percentage  Rates 
calculated  by  adding  the  applicable  Index  Value  to  your  Margin  as  described  in  this  Agreement  and  Disclosure  and  your 
Congratulations  “Approval”  Letter.    All  transactions  after  the  first  ninety  (90)  days  will  be  subject  to  the  variable  non-discounted 
periodic rate and corresponding non-discounted Annual Percentage Rate calculated as set forth in your Congratulations “approval” 
letter and explained in this Agreement and Disclosure.  

The non-discounted initial periodic rate and corresponding non-discounted initial Annual Percentage Rate that would otherwise be 
in  effect  as  of  the  date  of  this  Agreement  and  Disclosure  if  not  for  the  introductory  Annual  Percentage  Rate  are  set  forth  in   the 
Credit Card Congratulations “approval” letter provided with this Agreement and Disclosure.   

The Promotional Rate may not be for the entire line of credit.  For example:  The credit card limit is $10,000 and the current credit 
card balance is $0.  The Introductory Rate or Promotional Rate may be limited up to $5,000 of the available credit of $10,000.  

We may end your Introductory or Promotional Annual Percentage Rate during the promotional period and apply the penalty Annual 
Percentage Rate if your minimum required payment is more than 60 days late at any time. 

USING YOUR LOGIX PLATINUM REWARDS CREDIT CARD TO EARN REWARDS: To participate in the Logix Rewards Program and earn 
Points,  you  must  first  establish  an  assigned  Logix  rewards  account  by  opening  (on  approved  credit)  a  Logix  Platinum  Rewards 
Account. No retroactive credit will be given for transactions made before the rewards account is assigned. Points cannot be used in 
conjunction with other frequency or rewards programs. Note: To redeem rewards, you must  be a  member in good standing with 
Logix. Refer to the  Logix  Rewards Program Disclosure  – Program Rules  for complete details. Logix reserves the right to terminate 
rewards program at any time. 

FOREIGN CURRENCY CONVERSION AND CROSS-BORDER TRANSACTIONS.  Foreign currency transactions will be converted into U.S. 
Dollars using either a wholesale exchange rate or government-mandated exchange rate as selected by the credit card Network on 
the date the transaction is processed, which may be a date different from the date the transaction occurred or was posted to your 
account. A Fee of 0.2% is charged for the foreign currency conversion, which is added to the converted U.S. Dollar amount debited 
to your account. Additionally, all transactions conducted or processed outside of the U.S.A. and its territories, foreign military bases, 
embassies, and consulates, (Cross-Border transactions), whether conducted in foreign currency or U.S. Dollars, will be assessed a fee 
of 0.9% of the U.S. Dollar amount. Logix Federal Credit Union has no control over the  conversion rate used or fees charged by the 
credit card Network. Logix rebates Foreign Transaction fees. 

PENALTY RATE - Credit Cards Not In Good Standing -If your minimum required payment is more than 60 days late at any time, we 
will increase the Annual Percentage Rate, after such notice to you as is required by law, to a variable rate (Penalty Rate) equal to and 

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currently capped at 18.00%. We will apply the Penalty Rate to your entire Account balance and to any future transactions. If you 
make six (6) consecutive minimum periodic payments on time after the date we applied the Penalty Rate, your rate will return to the 
non-penalty APR applicable to your Account. 

COMPUTING  THE  INTEREST  CHARGE:      The  interest  charge  on  your  Account  is  computed  each  billing  period  by  multiplying  the 
Average Daily Balance on your Account by the applicable Daily Periodic Rate (the ANNUAL PERCENTAGE RATE divided by 365) and 
then multiplying this figure by the number of days in the billing period. 

PERIODIC REVIEW:  A periodic review of credit card and line of credit accounts is performed to determine the continued probability 
of  repayment.  We  also  rely  on  information  requested  and  received  from  credit  reporting  bureaus  and  agencies  regarding  the 
handling of your credit related accounts with other financial institutions for this same purpose. If, in our opinion, we believe that 
your credit history has significantly deteriorated since your new or reissued Credit Card was provided to you, we reserve the right to 
close your Account and to prohibit further advances. Deterioration in your credit history can result from late payments, collections, 
liens, or exceeding established Credit Limits. 

CROSS-COLLATERALIZATION: Collateral (other than real property) securing other loans with us may also secure this loan. 

CHECKING  ACCOUNT  OVERDRAFT  PROTECTION:  Your  Credit  Card  may  also  provide  Overdraft  Protection  on  your  Logix  checking 
account.  
Fee:  The fee is $4.00 per overdraft protection transfer.  Please see the Schedule of Service Fees and Charges for the most current 
fee.  
Limit: Your Checking Account Overdraft Protection limit will be part of, and not in addition to, your total approved Credit Limit under 
this Agreement. 

Application of Overdraft Protection Feature: The Checking Account Overdraft Protection feature of your Credit Card applies to any 
overdraft on your checking account  provided your Account  has available  credit, and is  not  restricted to overdrafts caused by  any 
specific or exclusive individual signer(s) on the checking account. 

Liability For Overdrafts Caused By Any Checking Account Signer: You understand that if advances are made against your Account to 
cover overdrafts to your checking account created by other persons with the right to access said checking account, you will be fully 
liable for such advances nonetheless. 

Advances for Overdraft Protection: All advances against your Account for purposes of providing overdraft protection are cash loan 
advances and are subject to interest charges as identified above.  All advances to cover checking account overdrafts will be made in 
increments of $50. 

Overdraft  Protection  Procedure:    If  we  receive  a  check  or  other  item  against  your  checking  account  which  exceeds  the  available 
balance  in  your  checking  account  at  the  time  the  item  is  received  by  us,  such  check  will  be  considered  a  request  for  a  cash  loan 
advance  by  you  against  your  Account  in  an amount  sufficient  to  permit  us  to  honor  the  check,  but  not  to  exceed  your  approved 
Credit Limit, and, if your request is thereby approved, we will credit the advance to your checking account.  However, if  sufficient 
credit  is  not  available  on  your  Account  to  cover  the  amount  of  the  check  or  item,  we  may  not  initiate  an  advance  under  this 
Agreement for purposes of checking account overdraft protection. 

If we do not initiate a cash loan advance against your Account due to insufficient credit availability, your check(s), or item(s) may be 
honored through another credit agreement  you may maintain with us, if any, such as a  ReadyLine of Credit, or Logix may, at our 
discretion and without obligation, transfer funds from another savings or checking account you maintain with us to your checking 
account  in  order  to  cover  and  honor  the  item.    Please  refer  to  other  agreements  you  may  have  with  Logix,  or  contact  a  Logix 
member service representative. 

JOINT  ACCOUNTS  AND  CO-SIGNORS:    If  you  are  a  co-signor  or  if  this  is  a  joint  account,  you  agree  to  be  individually  and  jointly 
responsible  with  the  other  borrower(s).  Each  of  you  authorizes  the  other(s)  to  obtain  advances  and  make  purchases  individually 
under this Account. We do not have to notify you if payments on the account are not made by the other borrower(s) on time. We 
can  change  the  terms  of  payment  and  release  any  security  without  notifying  you  or  releasing  you  from  responsibility  on  this 
Agreement. If this is a joint account, upon request by any party to the account or upon our receipt of inconsistent instructions, we 
may,  at  our  option  and  without  notice  to  any  other  party,  refuse  any  request  for  an  advance  or  an  increase  in  the  Credit  Limit 
amount, or refuse any other request with respect to the account. 

ATM FEES BY OTHERS:  If you use an automated teller machine (ATM) that is not operated by us, you may be charged a fee by the 
operator of the ATM and/or by an ATM or automated transfer network. 

LATE PAYMENTS:  We may accept late payments or partial payments without losing any of our rights under this Agreement.  Late 
Charges are assessed if your payment is received after the scheduled Payment Due Date. For payments received past due, you agree 
to pay a Late Charge of $15 for balances under $100; $20 for balances $100-$500; $25 for balances over $500. If you are late more 
than one time during a six (6) month period we may charge a Late Charge up to $30.  Your Late Charge will never exceed the amount 
of the payment that you failed to make by its scheduled Payment Due Date.   

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 $29. However, the Returned Payment Fee will not exceed the amount of the payment 
that you were required to make under your periodic statement.   

SHARE-SECURED  CREDIT  CARD-  GRANT  OF  SECURITY  INTEREST:  If  you  have  been  granted  a  share-secured  Credit  Card,  you 
understand that the granting of the security interest is a condition of us granting you an Account. You understand and agree you have 
granted  us  a  security  interest  in  a  savings  account  as  designated  by  you  by  executing  the  Share-Secured  Credit  Card  Security 
Agreement, which is incorporated into and made part of this Agreement and Disclosure by this reference.   

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You understand that you must, at all times, keep a sum equal to your Credit Limit on deposit in the designated savings account(s) 
identified  on  the  Share-Secured  Credit  Card  Security  Agreement  until  you  repay  your  entire  Account  balance  and  the  Account  is 
terminated.  You understand and agree that this security interest will cover future purchases, balance transfers, and advances under 
this Agreement and Disclosure.  If you default, we may apply these shares to repay your Account balance in accordance with federal 
or other law.  You understand that the Annual Percentage Rate does not take into account the amount pledged in your designated 
regular share account(s). 

CREDIT CARD CONVENIENCE CHECKS:  Convenience Checks drawn against your Account may be provided to you upon request or 
issued to you as a convenience from time to time by Logix. You may use these checks like you would your personal checks to pay for 
merchandise, pay off bills, other loans or credit cards. Use of any Credit Card Convenience Check will constitute a cash loan advance 
against  your Account  and interest  will begin  to accrue  from the date the Convenience Check  is posted to your Account  (see Cash 
Loan Advance).  You will be charged a NSF Credit Card Convenience Check Fee of up to $29 if you write a Convenience Check for a 
transaction that exceeds your Credit Limit or the Convenience Check is written on a delinquent Account.  The amount of the NSF 
Credit Card Convenience Check Fee will not exceed the amount of the Convenience Check that resulted in such fee being imposed. 

STOP PAYMENT ORDERS ON CREDIT CARD CONVENIENCE CHECKS:  At your request and risk Logix will, without responsibility on its 
part, accept a Stop Payment Order on Credit Card Convenience Checks issued against your Account, subject to a  $20 Stop Payment 
fee per check, at the time such a Stop Payment Order is received. A Stop Payment Order will be in effect if all required information is 
provided and a reasonable amount of time has been allowed for the dissemination of such stop payment information. All written 
and oral Stop Payment Orders on Credit Card Convenience Checks that you write are effective for twelve (12) months from the date 
received, unless otherwise canceled or renewed by you in writing. If  we inadvertently  pay the Convenience Check when the stop 
payment should have been effective, we will reverse any Logix charges which result, including the Stop Payment fee. In addition, we 
will reimburse you for your losses, up to the amount of the check, so long as you are able to prove that you do not owe the money 
to the person to whom you wrote the check.  However, if you are unable to prove that you do not owe the money, we will not be 
obligated to reimburse you for the check amount. 

EVENTS OF DEFAULT:  You will be in default under this Agreement if any of the following events shall occur: (a) In the event of your 
death, (b) If you are determined incompetent; (c) If you fail to comply with the minimum payment or any other terms or conditions 
of this Agreement or any other obligation you have or will have with us (for late payment see also “PENALTY RATE” above); (d) If you 
make false or misleading statements in any credit application or update of credit information; (e) If you should become insolvent; (f) 
If  a  petition  should  be  filed  or  other  proceedings  should  be  started  under  the  Federal  Bankruptcy  Code  or  any  State  insolvency 
statute  by  or  against  you;  (g)  If  a  Receiver  should  be  appointed  or  a  writ  or  order  of  attachment,  levy  or  garnishment  should  be 
issued  against  you  or  any  of  your  property,  assets  or  income;  or  (h)  If  we  should  consider  yourself  or  any  debts  due  under  this 
Agreement unsafe or not completely secure or if we should believe, in good faith, that the chances of your paying or performing all 
of your obligations under this Agreement  have been impaired. If you fail to fulfill the  terms of this  Agreement, a  negative report 
reflecting on your credit record may be submitted to consumer credit reporting agencies. 

ENTIRE BALANCE DUE: If you are in default, we may require that you immediately pay the outstanding balance with interest due on 
the balance at the applicable Annual Percentage Rate provided in the above “Interest Charges” section until paid.  You also agree 
our obligation for further credit extensions shall immediately end. If we demand full payment of the outstanding balance and  you 
fail to immediately make payment, you agree to pay all collection costs and fees. 

TERMINATION  OF  MEMBERSHIP/MEMBERSHIP  NOT  IN  GOOD  STANDING:  Granting  you  an  Account  is  conditioned  upon  your 
continued membership with Logix. Discontinuation of your Logix membership will result in termination and revocation of your Credit 
Card privileges, requiring you to return all Credit Card(s) to Logix and payment of the "ENTIRE BALANCE DUE" as identified in the 
above section. 
If your membership is not in good standing, Logix reserves the right to terminate services.  If your credit card is terminated, you are 
responsible to pay the balance in full. 

COLLECTION COSTS:  If you are in default under this Agreement, you agree to pay all collection costs, including without limitation, 
our reasonable attorney's fees and court costs incurred during collection. 

INVESTIGATION AUTHORIZATION: You agree to advise us of any changes in your financial condition which may adversely affect your 
creditworthiness and authorize us to obtain information concerning your creditworthiness from consumer/credit reporting agencies, 
employers, or others, both now and in connection with updates, renewals, and later credit extensions. At your request, we will tell 
you if such information has been obtained or if we take adverse action on your account as a result of information obtained from a 
consumer credit reporting agency. We will advise you of that fact and supply you with the name and address of the reporting agency 
making the report.  We may require that you complete a new credit application if you wish to increase your Credit Limit or extend 
the  terms  of  repayment.    You  authorize  us  to  disclose  information  regarding  the  Account  to  credit  reporting  agencies  and  other 
creditors who inquire of us about your credit standing to the extent authorized by law. 

CANCELLATION:  You can cancel your Account at any time by returning to us your Card(s), cut in half, along with a letter requesting 
that we cancel your Account. We may cancel this Agreement at any time. However, your obligation under this Agreement and any 
charges  and  advances  made  under  it  prior  to  cancellation  will  continue  to  apply  until  you  have  paid  all  money  you  owe  on  the 
Account. 

NON-REISSUANCE: For security purposes, Logix Credit Cards are reissued periodically.  If at the time of reissuance your Account has 
been inactive for at least 12 months, we will not reissue a new Card to you and may close your Account. 

CHANGE OF NAME, ADDRESS, CONTACT INFORMATION and/or EMPLOYMENT: You will advise us promptly of any change in your 
name,  address,  contact  information  or  employment.  All  written  notices  and  statements  from  us  to  you  will  be  considered  given 
when placed in the United States mail, postage prepaid, and addressed to you at your current address as it appears on our records, 
or when notified electronically if you have requested and consented to electronic statements and notifications. 

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CREDITS: If merchants who honor your Card give you credit for returns or adjustments, they will do so by sending us a credit, which 
we  will  post  to  your  Account.  If  your  credits  and  payments  exceed  what  you  owe  us,  we  will  hold  and  apply  the  credit  balance 
against future purchases or cash advances, or we will refund the credit balance to you within seven (7) business days of receipt of 
your written request if the credit balance is $1.00 or more. 

PLAN  MERCHANT  DISPUTES:      We  are  not  responsible  for  the  refusal  of  any  plan  merchant  or  financial  institution  to  honor  the 
Account and/or Card.  We are subject to claims and defenses (other than tort claims) arising out of goods or 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 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.  If you dispute a charge with a merchant, we may, in our discretion, credit 
your Account for all or part of the disputed charge.  If we do so, you assign and transfer to us all rights and claims (excluding tort 
claims) against the merchant.  You agree that you will not pursue any claim against the merchant for the credited amount, and you 
must cooperate with us if we decide to do so.  

LOST/STOLEN  CARD  NOTIFICATION  AND  LIABILITY  FOR  UNAUTHORIZED  USE:    You  will  take  reasonable  steps  to  prevent  the 
unauthorized use of your Card and Account. You accept responsibility for safeguarding all cards and PINs issued to you and any other 
users. 

If  your  Card  is  lost  or  stolen,  you  must  tell  us  at  once.  You  agree  to  notify  us  immediately,  orally  or  in  writing  at  Logix,  2340 
Hollywood Way, P.O. Box 6759, Burbank, CA 91510 – Telephone: (800) 328-5328 or for International Calls (818) 565-2020, of the 
loss, theft, or unauthorized use of your Logix Credit Card. You may be liable for the unauthorized use of your Credit Card.  You will 
not  be  responsible  for  charges  made  to  your  Account  that  are  found  to  be  unauthorized.    If  we  reimburse  your  Account  for 
unauthorized charges made using your Card, you will help us investigate, pursue and get reimbursement from the wrongdoer.  Your 
help includes giving us documents that we ask for and that are acceptable to us. 

Your  liability  will  not  exceed  $50  for  unauthorized  cash  advances  at  ATMs.  You  will  have  no  liability  for  unauthorized  purchases 
made with your Credit Card. 

For additional information regarding your rights and our responsibilities, please refer to the “YOUR BILLING RIGHTS” section  of this 
Agreement.  

Your liability may be greater  if we can prove that you were grossly negligent  or fraudulent  in the handling of your Credit  Card or 
Account. 

CARD OWNERSHIP:  Any Logix Credit Card issued to you or to another person at your request remains the property of Logix. You 
agree to notify us promptly of the loss, theft, or unauthorized use of your Credit Card. You agree we may terminate, limit or modify 
your right to use your Credit Card at any time in the future without notice to you. 

RESPONSIBILITY:   You agree  to repay us according to the  terms of this Agreement  for  all purchases, cash loan advances, balance 
transfers transactions, interest, over-limit, annual fees and late charges, if any, arising from the use of the Credit Card by you, or any 
other person you permit to use the Card, even if that person exceeds your permission, or if we approve charges  in excess of the 
Credit Limit. 

IRREGULAR PAYMENTS, TRANSFER OF ACCOUNT, WAIVERS, AND OTHER PROVISIONS:   

Irregular Payments: We may accept late payments or partial payments, or checks, drafts or money orders marked "Payment in Full", 
without losing any of our rights under this Agreement.  

Transfer of Account: You cannot transfer or assign your Account to any other person.  

Delay In Enforcement:  We may delay enforcing any of our rights or otherwise refrain from exercising any of our rights regarding any 
breach or default that occurs without losing our rights or waiving our rights.  

Waivers:  Waivers will be binding only if we agree to the waiver in a signed writing.  

Other Provisions: Each of you who signed the Application or use the Account is  individually and jointly obligated for all payments 
due under this Agreement. If any part of this Agreement is not valid, all other parts will remain enforceable. 

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  that 
California's "Choice of Law Rules" will not be applied if they would result in the application of non-California law. 

INFORMATION REPORTED TO CREDIT BUREAUS: If you believe that any information we have reported to consumer credit reporting 
agencies (credit bureaus) regarding your Account  is  inaccurate or incomplete,  please  notify  us in  writing at  Logix,  P.O. Box 6999, 
Burbank,  CA  91510.    Please  provide  specific  information  so  that  we  can  identify  the  information  you  believe  to  be  inaccurate  or 
incomplete. 

OTHER AGREEMENTS, TERMS AND CONDITIONS: 
a) You agree to keep your Credit Card in a safe place and permit no unauthorized person to use it. You further agree not to tell any 
unauthorized person your PIN or write your PIN on the Card or otherwise make it available to anyone else. 

b) You agree to tell us immediately upon the loss or theft of your Card or PIN. 

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c) The Card remains the property of the Credit Union and you agree to surrender the Card to the Credit Union upon demand.  The 
Credit Union may cancel, modify or restrict the ATM-access feature of your Card without notice: if you have exceeded your Credit 
Limit; if we are aware that you have violated any term of this Agreement whether or not Logix has suffered a loss; or where it is 
necessary to maintain or restore the security of your Account or recall the Credit Card through retrieval by any of the automated 
teller machines (ATMs.). 

d)  If  you  authorize  Logix  to  issue  a  Card  to  anyone  else,  you  authorize  that  individual  to  make  purchases  and  obtain  cash  loan 
advances from your Account using the Credit Card.  You will be solely responsible for all usage by your designated authorized user 
and understand you are fully responsible for all payments. 

e)  You  agree  to  indemnify  and  hold  Logix  harmless  from  any  costs  or  damages  you  sustain  as  a  result  of  Logix  carrying  out,  in  a 
reasonable manner, any written instructions provided by you.  

INTEGRATED DOCUMENT(S).  You understand and agree that the Credit Card Congratulations “approval” letter and the Credit Card 
Agreement Rates and Fees Table that are included with this Agreement and Disclosure are incorporated herein by reference and are 
an integrated part of this Agreement and Disclosure. In addition, any separate sheet of paper, which is delivered together with and 
incorporates  this  Agreement  and  Disclosure  by  reference,  is  an  integrated  part  of  this  Agreement  and  Disclosure.    Any  future 
amendments  to  this  Agreement  and  Disclosure  will  be  labeled  as  such  and  will  form  an  integrated  part  of  this  Agreement  and 
Disclosure. 

ADDITIONAL  CREDIT  CARD  BENEFITS  AND  SERVICES:  There  are  additional  benefits  and  services  available  from  MasterCard  for 
MasterCard  Cardholders.  Please  call  (800)328-5328  to  request  an  informational  brochure.    We  have  the  right  to  add,  modify,  or 
delete any benefit, service, or feature of your Card at our discretion. 

PREPAYMENT  OR  IRREGULAR  PAYMENTS:    Though  you  need  only  pay  the  minimum  payment  due  set  forth  in  your  monthly 
statement, 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 and agree 
that any payment  that (a) delays or (b) accelerates the repayment  of your  Account  balance will (a) increase or (b)  decrease your 
periodic interest charge. Credits from merchants may not be applied to the minimum payment due. 

TELEPHONE  MONITORING:    We  may  listen  to  and  record  telephone  calls  between  you  and  us  for  the  purpose  of  improving  the 
quality of service you receive. 

PAYMENTS MARKED “PAID IN FULL”:  We may accept checks, money orders, or other types of payment marked “payment in full” or 
using other language to indicate full satisfaction of any indebtedness without being bound by such language or waiving any rights 
under this Agreement and Disclosure.  Full satisfaction of indebtedness will be accepted by us only in a written agreement, signed by 
one of our authorized Logix Federal Credit Union representatives. 

FEES AND CHARGES: 
Please refer to the Logix Credit Card Rates and Fees Table below. 

YOUR BILLING RIGHTS:  
KEEP THIS DOCUMENT FOR FUTURE USE 
This notice tells you about 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 an error on your statement, write to us at: 

Logix 
P.O. Box 6999 
Burbank CA 91510 
You may also contact us on the Web:  

www.lfcu.com 

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 (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.  You  may  call  us  at  (800)  328-5328,  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. 

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  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. 

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Logix Credit Card Rates and Fees Table 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
Standard APRs for Purchases, Cash Advances 
and Balance Transfers 

Platinum 
Regular and Share Secured 

8.49% APR to 17.99% APR 
This APR will vary with the market based on the Prime Rate. 

Platinum Rewards 

9.49% APR to 17.99% APR 
This APR will vary with the market based on the Prime Rate. 

Introductory Rate on 
Platinum Regular (only) 

0% Introductory APR for 12 months on transactions conducted during the 
first 90 days the account is open. After that, your standard APR will apply 
and will vary with the market based on the Prime Rate. - Must Qualify 

Promotional Rate on 
Platinum Rewards 

4.99% APR to 9.99% APR for 24 months on a single cash advance. 
After that, your standard APR will apply and will vary with the market based 
on the Prime rate. - Must Qualify – Limits Apply 

Penalty APR and When it Applies 

Paying Interest 

17.99% APR 
This APR may be applied if you: 
Make your minimum payment more than 60 days late at any time.  

How Long Will the Penalty APR Apply? If your APRs are increased, 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 interest on cash advances and balance 
transfers on the transaction date. 

Minimum Interest Charge  None 

Credit Card Tips from the 
Consumer Financial Protection Bureau 

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 

Fees 

Transaction Fees 
Foreign Transaction Fees 

Overdraft Protection Transfer Fee 
Penalty Fees 
Late Payment 
Returned Payment 
NSF Credit Card Convenience Check 
Other Fees 
Stop Payment on Credit Card Convenience Check 

Up to 1.1% of each transaction in U.S. Dollars 
(Logix rebates foreign transaction fees) 

$4.00 

Up to $30.00 
$29.00 
$29.00 When over the credit limit or written on delinquent account 

$20.00 

How We Will Calculate Your Balance: We use a method called "average daily balance” (including new purchases). See your account 
agreement and disclosure for more details. 

Loss of Introductory/Promotional APR:  We may end your introductory APR or your promotional APR and apply the Penalty APR if you 
make your minimum required payment more than 60 days late at any time. 

Billing Rights:  For information on your rights to dispute transactions and how to exercise those rights refer to your Credit Card 
Agreement and Disclosure. 

Rates and Terms are accurate as of January 8, 2016. Rates and Terms are Subject to Change without Notice. 
Contact Logix at (800) 328-5328 to obtain the most recent information. 

Logix Federal Credit Union – PO Box 6759, Burbank, CA 91510 

13729-4(1/16)146(30M 2/2016)1-23233 

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