To use this right, all of the following must be true:
1.  The purchase must have been made in my home state or within
100 miles of my current mailing address, and the purchase price
must have been more than $50. (Note: Neither of these are neces-
sary if my purchase was based on an advertisement you mailed to 
me, of if you own the company that sold me the goods or services.)
2.  I must have used my credit card for the purchase. Purchases made 
with Cash Advances from an ATM or with a check that accesses
my credit card account do not qualify.

3.  I must not have fully paid for the purchase.
If all of the criteria above are met and I am still dissatisfied with the 
purchase, I must contact you in writing or electronically at: 
Los Angeles Police Federal Credit Union P. O. Box 10188, Van Nuys, 
CA 91410-0188; or 
I may contact you via secure e-mail by visiting the LAPFCU website, 
www.lapfcu.org, and clicking on “Contact” and “e-mail”. 
While you investigate, the same rules apply to the disputed amount 
as discussed above. After you finish your investigation, you will tell 
me your decision. At that point, if you think I owe an amount and I do 
not pay, you may report me as delinquent.

Classic VISA Credit 
Card Agreement and 
Federal Truth-In-Lending 
Disclosure Statement

EFFECTIVE: JUNE 1, 2014  
IMPORTANT DOCUMENT
PLEASE KEEP FOR YOUR RECORDS

LOST OR STOLEN CARDS
(866) 604-0381
(727) 570-4881

FORM L-563 06/14  

11

00582760

I001007 

16150 SHERMAN WAY, VAN NUYS, CA 91406
PHONE (877) 695-2732 FAX (818) 787-3273
www.lapfcu.org 

In  this  Classic  VISA  Credit  Card  Agreement  and  Federal  Truth-in-
Lending  Disclosure  Statement  (“Agreement”)  the  words  “I”,  “me”, 
“my” and “mine” mean each and all of those who apply for, or who 
sign for or use the Card and/or Account. The words “Credit Union”, 
“LAPFCU”, “you”, “your”, and “yours” mean Los Angeles Police Fed-
eral Credit Union. “Card” means the Classic VISA Credit Card(s) is-
sued to me and any duplicates and/or renewals you may issue. “Ac-
count” means my Classic VISA Credit Card Account with you. 
By requesting and receiving, signing, using or permitting others to use 
the Card and/or Account issued to me by you, I agree to be bound by 
the  terms  and  conditions  as  set  forth  herein  and  any  amendments 
and/or change in terms thereto. 
AUTHORIZATION  AND  PAYMENT:  I  authorize  you  to  pay  and 
charge my Account for all Purchases, Cash Advances and Balance 
Transfers made or obtained by me or anyone I authorize to use my 
Card or Account. I will be obligated to pay all such Purchases, Cash 
Ad-vances  and  Balance Transfers  charged  to  my Account  whether 
resulting  from:  (1)  actual  use  of  my  Card  or  Convenience  Checks; 
(2) mail order or telephone, computer, or other electronic Purchases 
made  without  presenting  the  Card;  or  (3)  any  other  circumstance 
where  I  authorize  a  charge,  or  authorize  someone  else  to  make  a 
charge, to my Account (collectively, “authorized charges”). I promise 
to pay you or to your order in U.S. Dollars with an instrument drawn 
on a financial institution in the United States at your office or at the 
address  set  forth  on  my  periodic  statement  all  authorized  charges 
on  the  terms  and  at  the  rates  set  forth  herein,  plus  any  FINANCE 
CHARGES  assessed  on  my  Account,  and  any  other  charges  and 
fees  which  I  may  owe  you  under  the  terms  of  this Agreement  (the 
“Account  Balance”).  Payments  will  continue  until  I  have  paid  in  full 
the Account Balance. To protect me and you, you may, in your sole 
discretion, place a temporary hold on the credit available to me any 
time you receive a payment of $1,000 or more from me via a payment 
method other than cash, certified funds or electronic transfer. In such 
cases, the hold on my available credit will remain in place until pay-
ment is actually collected by you.
CHANGE OF TERMS: Account and agreement terms are not guar-
anteed for any period of time. I understand and agree that you may 
amend, modify, add to, or delete from this Agreement any of its terms 
and conditions, including financial terms such as the method of ap-
plication and the amount of any FINANCE CHARGE, ANNUAL PER-
CENTAGE  RATE,  Monthly  Periodic  Rate  and/or  fee  in  accordance 
with  applicable  laws.  If  required  by  applicable  law,  you  will  mail  a 
notice of the change to me at my last known address. I also under-
stand that in the event of a significant change, as defined under the 
federal Truth in Lending Act, any such notice will be mailed at least 
forty-five (45) days prior to the effective date of the significant change 
as required by applicable law. If you are required by applicable law 
to provide me a right to reject significant changes to this Agreement 
prior to the effective date of such changes, you will provide me with 
an explanation of how to reject the significant changes, unless I fail 
to make a required minimum payment within sixty (60) days after its 
due date. You may change the terms of this Agreement based on in-
formation in my credit report, market conditions, business strategy or 
for any other reason. Notice of a change in terms is required, but may 
be sent as late as the effective date of the change where the change 
has been agreed to in writing, by me.
INTEREST RATES AND INTEREST CHARGES: I understand that a 
portion of my FINANCE CHARGES incurred during a billing cycle will 
include  my  INTEREST  CHARGES  incurred  during  that  billing  cycle. 
The INTEREST CHARGE for a billing cycle will be calculated by ap-
plying my Monthly Periodic Rate to my Average Daily Balance. I un-
derstand and agree that under the “Change of Terms” section above, 
you have the right in your sole and absolute discretion to change the 
amount  of  any  ANNUAL  PERCENTAGE  RATE,  Monthly  Periodic 
Rate and/or INTEREST CHARGE that may apply to my Account.
Monthly Periodic INTEREST CHARGE, Monthly Periodic Rate, and 
ANNUAL  PERCENTAGE  RATE:  The  initial  Monthly  Periodic  Rate 
used  in  calculating  the  Monthly  Periodic  INTEREST  CHARGE  is  a 
discounted Monthly Periodic Rate with an initial discounted ANNUAL 

forth in the enclosed Schedule of Fees for each Check when I place 
a stop payment on my Check(s) which will be billed to the Account. 
SURRENDER  OF  VISA  CHECKS:  The  Checks  are  your  property. 
You reserve the right to revoke them at any time. I agree to return 
them at your request.

My Billing Rights: Keep this Document for Future Use
This  notice  tells  me  about  my  rights  and  your  responsibilities 
under the Fair Credit Billing Act. 
What To Do If I Find a Mistake on My Statement
If I think there is an error on my statement, I must write to you at: 
Los Angeles Police Federal Credit Union
P. O. Box 10188, Van Nuys, CA 91410-0188
I may also contact you via secure e-mail by visiting the LAPFCU web-
site, www.lapfcu.org, and clicking on “Contact” and “e-mail”.
In my letter, I must give you the following information:
• Account information: My name and Account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If I think there is an error on my bill, I must
describe what I believe is wrong and why I believe it is a mistake.
I must contact you:
• Within 60 days after the error appeared on my statement. 
• At least 3 business days before an automatic payment is scheduled, 
if I want to stop payment on the amount I think is wrong. 
I must notify you of any potential errors in writing or electronically. I 
may call you, but if I do you are not required to investigate any poten-
tial errors and I may have to pay the amount in question. 

What Will Happen After You Receive My Letter
When you receive my letter, you must do two things:
1.  Within  30  days  of  receiving  my  letter,  you  must  tell  me  that  you
received  my  letter. You  will  also  tell  me  if  you  have  already  cor-
rected the error.

2.  Within 90 days of receiving my letter, you must either correct the

error or explain to me why you believe the bill is correct.

While you investigate whether or not there has been an error:
• You cannot try to collect the amount in question, or report me as
delinquent on that amount.
• The charge in question may remain on your statement, and you may 
continue to charge me interest on that amount.
• While I do not have to pay the amount in question, I am responsible 
for the remainder of my balance.
• You can apply any unpaid amount against my credit limit.
After you finish your investigation, one of two things will happen:
• If you made a mistake: I will not have to pay the amount in question 
or any interest or other fees related to that amount.
•  If  you  do  not  believe  there  was  a  mistake:  I  will  have  to  pay  the
amount in question, along with applicable interest and fees. You will 
send me a statement of the amount I owe and the date the payment 
is  due.  You  may  then  report  me  as  delinquent  if  I  do  not  pay  the 
amount you think I owe.
If I receive your explanation but still believe my bill is wrong, I must 
write to you within 10 days telling you that I still refuse to pay. If I do 
so,  you  cannot  report  me  as  delinquent  without  also  reporting  that 
I  am  questioning  my  bill.  You  must  tell  me  the  name  of  anyone  to 
whom you reported me as delinquent, and you must let those organi-
zations know when the matter has been settled between us. 
If you do not follow all of the rules above, I do not have to pay the first 
$50 of the amount I question even if my bill is correct.

My Rights If I Am Dissatisfied With My Credit Card Purchases
If I am dissatisfied with the goods or services that I have purchased 
with my credit card, and I have tried in good faith to correct the prob-
lem with the merchant, I may have the right not to pay the remaining 
amount due on the purchase.

1

10

TERMINATION: You may terminate this Agreement upon my default. 
Either you or I may terminate this Agreement for other good cause. 
In no event shall any termination relieve me of my obligation to repay 
sums already borrowed, FINANCE CHARGES, Late Payment Fees, 
and all other fees and charges hereunder, if any. I agree to return all 
of the Cards issued to me or any party designated by me. 
CREDIT  INFORMATION:  I  authorize  you  to  investigate  my  credit 
when  opening,  renewing  or  reviewing  the Account,  and  I  authorize 
you to disclose information regarding the Account to credit bureaus 
and  other  creditors  who  inquire  of  you  about  my  credit  standing  to 
the extent authorized by law. I understand that you may provide in-
formation  to  credit  bureaus  about  negative  information  concerning 
my Account  (such  as  my  insolvency,  delinquency,  late  payment  or 
default on my Account) which the credit bureaus may include in my 
credit report. 
CHANGE OF NAME, ADDRESS, EMPLOYMENT STATUS: I under-
stand and agree that I must report to you any change in my name, 
address, employment status, or any other information that may nega-
tively affect my creditworthiness. 
ACCURACY OF INFORMATION: The information provided in my re-
quest for credit (Application) is accurate and I will notify you in writing 
immediately if there is a change in my financial condition. You may 
retain  the Application.  I  understand  that  it  is  a  violation  of  Section 
1014, Title 18, US Code to make false statements or over value se-
curity for the purpose of influencing the action of any federally insured 
credit union. You may gather credit and/or employment information 
you deem necessary and appropriate from time to time and you may 
give information concerning your credit experience with me to others.
COPY  RECEIVED:  I  acknowledge  receipt  of  a  copy  of  this Agree-
ment and agree to its terms. This Agreement is the contract which ap-
plies to all transactions on the Account even though the sales, Cash 
Advance, credit or other slips I sign or receive may contain different 
terms. I understand and agree that all of those who apply for and who 
sign for or use the Card or the Account agree to and accept the terms 
and conditions of this Agreement. 
NOTICE: See the statement below for important information regard-
ing my right to dispute billing errors.

ADDITIONAL TERMS APPLICABLE TO VISA CHECKS
CHECK USES: I can use the VISA Checks (“Checks” or “Check) to 
purchase goods and services or to obtain cash up to the amount of 
my Credit Limit, or to conduct Balance Transfers up to the amount of 
my Credit Limit by using my VISA Check to pay a portion of or my 
entire account balance on a credit card issued by another financial 
institution. Use of the Checks is a Cash Advance or a Balance Trans-
fer on my VISA Account. 
LIMITATIONS: You are not required to honor a Check that will cause 
me to exceed my Credit Limit. You may refuse to pay a Check if at the 
time the Check is presented, I am in default or you have suspended, 
terminated or canceled the Account. Each Check must be in the form 
you  have  issued  me.  Checks  may  be  used  only  by  the  person(s) 
whose name(s) is/are printed on the Check. I am responsible for all 
authorized uses of the Checks. I may not use the Checks to pay any 
amount which I owe you pursuant to this Agreement. 
PERIODIC STATEMENTS: My periodic statement will show me an 
itemization  of  the  Checks  posted  to  the  Account  during  the  billing 
cycle. Checks paid by you will not be returned to me with my periodic 
statements. 
STOP PAYMENT: Provided such request is timely, so that you have 
a reasonable opportunity to act upon it under your rules, I may order 
stop payment on a Check drawn on the Account, other than one that 
has  been  guaranteed.  In  the  event  of  an  oral  stop  payment  order, 
the order shall be valid for only fourteen (14) days thereafter unless 
confirmed in writing. A written stop payment order will remain in ef-
fect only six (6) months unless renewed in writing. I have the burden 
of  establishing  the  fact  and  amount  of  loss  resulting  from  payment 
contrary to a binding stop payment order. You will charge a fee as set 

PERCENTAGE  RATE,  as  disclosed  on  the  enclosed  “Addendum 
to Classic VISA Credit Card Agreement & Federal Truth-in-Lending 
Disclosure Statement” (“Addendum”). The initial discounted Monthly 
Periodic Rate will remain in effect during my first six (6) monthly bill-
ing cycles unless I fail to make a payment when due or I make a pay-
ment that is returned (for further information, please refer to the PEN-
ALTY  ANNUAL  PERCENTAGE  RATE  section  below).  Thereafter, 
the  Monthly  Periodic  Rate  used  in  calculating  the  Monthly  Periodic 
INTEREST  CHARGE  and  the  corresponding  ANNUAL  PERCENT-
AGE RATE are disclosed on the enclosed Addendum. The Monthly 
Periodic INTEREST CHARGE is imposed as follows: 
Cash Advances: Periodic INTEREST CHARGES will be imposed on 
Cash Advances that I obtain through the use of my Card as of the 
date of each such Cash Advance and will continue to accrue until the 
Cash Advance is repaid. 
Credit  Purchases  of  Goods  and  Services:  Periodic  INTEREST 
CHARGES will be imposed on credit purchases only if they are not 
paid in full within twenty-five (25) days after the Statement Closing 
Date  (“Grace  Period”).  To  the  extent  that  a  credit  purchase  is  not 
subject to a Grace  Period, a periodic INTEREST CHARGE will be 
calculated on credit purchases that I obtain with my Card as of the 
date such credit purchase is posted to my Account and will continue 
to accrue until the date of repayment.
Balance Transfers: Periodic INTEREST CHARGES will be imposed 
on balance transfers only if they are not paid in full within twenty-five 
(25) days after the Statement Closing Date (“Grace Period”). To the 
extent  that  a  balance  transfer  is  not  subject  to  a  Grace  Period,  a 
periodic INTEREST CHARGE will be calculated on balance transfers 
that  I  obtain  with  my  Card  as  of  the  date  such  balance  transfer  is 
posted  to  my Account  and  will  continue  to  accrue  until  the  date  of 
repay-ment.
MINIMUM INTEREST CHARGE: A minimum INTEREST CHARGE 
of $0.50 will be assessed whenever a Monthly Periodic INTEREST 
CHARGE is imposed.
The Monthly Periodic INTEREST CHARGE for each billing cycle will 
be calculated by applying the Average Daily Balance (described be-
low) for the billing cycle by the Monthly Periodic Rate. The Monthly 
Periodic Rate is determined by dividing the ANNUAL PERCENTAGE 
RATE by 12.
TRANSACTION  FEES:  I  understand  that,  in  addition  to  INTER-
EST  CHARGES  incurred  during  a  billing  cycle  another  portion  of 
my FINANCE CHARGES incurred during a billing cycle may include 
TRANSACTION FEES incurred during that billing cycle. My TRANS-
ACTION FEES for a billing cycle will be the sum of two (2) compo-
nents set forth below, each of which is a FINANCE CHARGE. I un-
derstand and agree that under the “Change of Terms” section above, 
you have the right in your sole and absolute discretion to change the 
amount of any TRANSACTION FEE that may apply to my Account.
Cash Advance Fee: One (1) component of the TRANSACTION FEE 
is the Cash Advance Fee. Cash Advance transactions are subject to 
a  Cash Advance  Fee  which  shall  be  the  greater  of  $2.00  or  2%  of 
the amount of the Advance which is posted to the Account during the 
billing  cycle,  but  not  to  exceed  $25.00  per  Cash Advance.  In  addi-
tion, a Cash Advance Fee may not cause the FINANCE CHARGE to 
exceed the maximum rate permitted for a federal credit union. Cash 
Advances are subject to the Monthly Periodic Rate (see below) dur-
ing the billing cycle in which the Cash Advance Fee is imposed. 
Foreign  Transactions  Fee:  The  second  (2nd)  component  of  the 
TRANSACTION  FEE  is  the  Foreign  Transactions  Fee.  Purchases, 
Cash Advances, and credit transactions made in foreign currencies 
are  subject  to  a  Foreign  Transactions  Fee  of  1.0%  of  the  amount 
of the Purchase, Cash Advance, or credit transaction which is post-
ed  to  the Account  during  the  billing  cycle.  International  Purchases, 
Cash Advances, and credit transactions that are not made in foreign 
currencies are subject to a Foreign Transactions Fee of .8% of the 
amount of the Purchase, Cash Advance, or credit transaction which 
is posted to the Account during the billing cycle.

9

2

The above TRANSACTION FEES and other fees for the billing cycle 
will be shown on my periodic statement. 
PENALTY  ANNUAL  PERCENTAGE  RATE:  A  penalty  ANNUAL 
PERCENTAGE  RATE  of  17.90%  (corresponding  Monthly  Periodic 
Rate  of  1.492%)  may  be  applied  to  my Account  Balance  if  I  fail  to 
make  a  payment  when  due  or  I  make  a  payment  that  is  returned. 
You will provide me notice of such penalty ANNUAL PERCENTAGE 
RATE  at  least  forty-five  (45)  days  prior  to  the  effective  date  of  the 
penalty ANNUAL PERCENTAGE RATE and such notice will inform 
me which future transactions and/or outstanding balances are sub-
ject to the penalty ANNUAL PERCENTAGE RATE. 
Generally,  the  penalty  ANNUAL  PERCENTAGE  RATE  will  apply 
to  future  transactions  that  occur  more  than  fourteen  (14)  days  af-
ter  you  provide  me  notice  of  the  penalty  ANNUAL  PERCENTAGE 
RATE and my ANNUAL PERCENTAGE RATE will revert to the ap-
plicable  “standard”  ANNUAL  PERCENTAGE  RATE  provided  for  in 
this Agreement,  provided  that  I  make  six  (6)  consecutive  Minimum 
Monthly Payments when due beginning with the first (1st) payment 
due after the effective date of the increase.
However, if I fail to make a Minimum Monthly Payment within sixty 
(60)  days  after  its  Payment  Due  Date,  the  penalty  ANNUAL  PER-
CENTAGE  RATE  will  apply  to  all  outstanding  balances  and  future 
transactions. In such event, my ANNUAL PERCENTAGE RATE will 
cease applying to transactions that occurred prior to or within four-
teen  (14)  days  of  provision  of  the  notice  and  will  revert  to  the  ap-
plicable “standard” ANNUAL PERCENTAGE RATE set forth above, 
provided that I make six (6) consecutive Minimum Monthly Payments 
when due beginning with the first (1st) payment due after the effec-
tive date of the increase.

HOW  TO  COMPUTE  THE  CASH  ADVANCES  BALANCE  (CON-
SISTING OF TRANSACTIONS RELATED TO CASH AND OTHER 
ADVANCE TRANSACTIONS) UPON WHICH PERIODIC FINANCE 
CHARGES ARE ASSESSED: 
Average  Daily  Balance  (including  current  Cash  Advance  transac-
tions): You figure a portion of the FINANCE CHARGE on my Account 
by applying the Cash Advance Monthly Periodic Rate to the Average 
Daily Balance of Cash Advances (including current Cash Advances). 
To get the Average Daily Balance of Cash Advance transactions you 
take  the  beginning  balance  of  Cash  Advance  transactions  on  my 
Account each day, add any new Cash Advances, and subtract any 
payments  or  credits,  and  unpaid  INTEREST  CHARGES  and  other 
FINANCE CHARGES. This gives you the daily balance of Cash Ad-
vance transactions. Then, you add up all the daily balances of Cash 
Advance transactions for the billing cycle and divide the total by the 
number of days in the billing cycle. This gives you the Average Daily 
Balance of Cash Advance transactions. There is no grace period in 
order to avoid the imposition of INTEREST CHARGES on Cash Ad-
vances. 

HOW  TO  COMPUTE  THE  PURCHASE  BALANCE  (CONSISTING 
OF  TRANSACTIONS  RELATED  TO  PURCHASES  OF  GOODS 
AND SERVICES) UPON WHICH PERIODIC FINANCE CHARGES 
ARE ASSESSED: 
Average  Daily  Balance  (including  current  Purchase  transactions): 
You figure a portion of the INTEREST CHARGE on my Account by 
applying  the  Purchase  Monthly  Periodic  Rate  to  the Average  Daily 
Balance  of  Credit  Purchases  (including  current  Purchase  transac-
tions).  To  get  the Average  Daily  Balance  of  Purchase  transactions 
you take the beginning balance of Purchase transactions on my Ac-
count each day, add any new Purchases, and subtract any payments 
or  credits,  and  unpaid  INTEREST  CHARGES  and  other  FINANCE 
CHARGES. This  gives  you  the  daily  balance  of  Purchase  transac-
tions. Then, you add up all the daily balances of Purchase transac-
tions for the billing cycle and divide the total by the number of days 
in the billing cycle. This gives you the Average Daily Balance of Pur-
chase transactions. 
I have at least a 25 day grace period from the close of each billing 
cycle to pay the New Balance without incurring additional INTEREST 

nal to honor the Account and/or Card. You are subject to claims and 
defenses  (other  than  tort  claims)  arising  out  of  goods  or  services  I 
purchase with the Card only if I have made a good faith attempt but 
have been unable to obtain satisfaction from the plan merchant, and: 
(a) my purchase was made in response to an advertisement you sent 
or  participated  in  sending  me;  or  (b)  my  purchase  cost  more  than 
$50.00 and was made from a plan merchant in my state or within 100 
miles of my current mailing address. Any other dispute I must resolve 
directly with the plan merchant. 
RETURNS AND ADJUSTMENTS: Merchants and others who honor 
the Account and/or Card may give credit for returns or adjustments, 
and they will do so by sending you a credit slip which you will post 
to my Account. If my credits and payments exceed what I owe you, 
you will hold and apply this credit balance against future Purchases, 
Advances and Balance Transfers or if it is $1.00 or more, refund it on 
my written request or automatically after six (6) months. 
UNAUTHORIZED USE: If I notice the loss or theft of my Card or a 
possible unauthorized use of my Card, I should write to you immedi-
ately at: P. O. Box 10188, Van Nuys, California 91410-0188, or call 
you at (877) 695-2732. I will not be liable for any unauthorized use 
that occurs after I notify you. I may, however, be liable for unauthor-
ized use that occurs before my notice to you. In any case, my liability 
will not exceed $50. My liability may be zero ($0) in cases of VISA 
Credit Card fraud in accordance with current VISA U.S.A., Inc. Op-
erating Regulations. This does not apply to ATM transactions using 
the Card and PIN.
SURRENDER  OF  CARD(S):  The  Card(s)  remains  your  property 
and, if you request, I must surrender to you all Cards you have is-
sued on the Account. 
LOST OR STOLEN CARD(S) NOTIFICATION AND LIABILITY: I will 
notify  you AT  ONCE  by  immediately  calling  you  at  (866)  604-0381 
or, if I am outside the U.S., call collect at (727) 570-4881 if I believe 
that the Card, Account number, PIN or any combination of the three 
has been lost or stolen. Telephoning is the best way of keeping my 
possible losses down. I understand that my total liability to you shall 
not exceed $50.00 for any Account and/or Card transactions result-
ing  from  the  loss,  theft  or  unauthorized  use  of  the Account  and/or 
Card that occurs prior to the time I give notice to you. Such liability 
does  not  apply  when  the Account  and/or  Card  is  used  to  make  an 
electronic transfer.
PAYMENTS  MARKED  “PAID  IN  FULL”:  You  may  accept  checks, 
money  orders,  or  other  types  of  payment  marked  “payment  in  full” 
or using other language to indicate full satisfaction of indebtedness, 
without being bound by such language or waiving any rights under 
this Agreement. Full satisfaction of indebtedness shall be accepted 
by you only in written agreement, signed by an authorized represen-
tative of the Credit Union. 
DELAY  IN  ENFORCEMENT:  You  can  delay  enforcing  any  of  your 
rights under this Agreement without losing them. 
GOVERNING LAW: I 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. I also understand and agree that California’s 
choice of law rules shall not be applied if they would result in the ap-
plication of non-California law. 
INTEGRATED DOCUMENT(S): Any separate sheet of paper labeled 
“Addendum to the Classic VISA Credit Card Agreement and Federal 
Truth in Lending Disclosure Statement” which is delivered together 
with this form is an integral part of the Agreement and is incorporated 
herein as if set forth in full. 
MEMBERSHIP REQUIREMENT: I understand and agree that I must 
be  and  remain  a  member  in  good  standing  with  you  to  be  eligible 
for  continuing Account  and/or  Card  privileges  including  future  Pur-
chases, Advances  and  Balance  Transfers.  I  understand  and  agree 
that you may suspend the Account and/or Card privileges during any 
period in which I do not maintain my membership in good standing 
with you. 

3

8

If your authorized system is not working, I may not be able to autho-
rize a transaction, even if I have sufficient available credit. Occasion-
ally  for  security  reasons,  you  may  block  usage  of  my  Card  and/or 
Account in certain foreign countries or geographical areas. You will 
not be liable to me if any of these events happen. 
My  Card  and/or Account  may  not  be  used  directly  or  indirectly  for: 
(1)  any  illegal  activity  or  transaction;  or  (2)  any  gambling,  gaming, 
betting or similar activity or transaction. Further, I may not utilize my 
Card and/or Account for the purchase of any goods or services on 
the  Internet  that  involve  gambling,  betting  or  any  similar  activity  or 
transaction.  Such  transactions  include,  but  may  not  be  limited  to, 
any quasi-cash or online gambling transaction, any electronic com-
merce transaction conducted over an open network, and any betting 
transaction including the purchase of lottery tickets or casino gaming 
chips  or  off-track  betting  or  wagering.  However,  in  the  event  that  a 
charge  or  transaction  described  in  this  paragraph  is  approved  and 
processed, I will still be respon-sible for such charges. 
FOREIGN TRANSACTIONS: Purchases, Cash Advances and cred-
its  made  in  foreign  currencies  will  be  billed  to  my Account  in  U.S. 
dollars. The conversion to U.S. dollars will  be  made  in  accordance 
with  the  VISA  operating  regulations  for  international  transactions. 
Such regulations provide for either a .8% currency exchange fee for 
single currency transactions (transactions made internationally with-
out a currency conversion) or 1% currency exchange fee for multi-
currency international transactions (transactions made internationally 
that require a currency conversion), which is added to the amount of 
the Purchase, Cash Advance, or credit and retained by VISA. Trans-
actions  conducted  in  U.S.  military  bases,  territories,  embassies,  or 
consulates are not considered international transactions and will not 
be  subject  to  the  .8%  currency  exchange  fee.  The  exchange  rate 
between  the  transaction  currency  and  the  billing  currency  used  for 
processing international transactions is a rate selected by VISA from 
the  range  of  rates  available  in  wholesale  currency  markets  for  the 
applicable central processing date, which rate may vary from the rate 
VISA  itself  receives,  or  the  government-mandated  rate  in  effect  for 
the applicable central processing date. The conversion rate may be 
different  than  the  rate  on  the  day  of  the  transaction  or  date  of  the 
posting of the Account. When a credit to the Account does not fully 
offset a charge to the Account due to changes in the rate, I am re-
sponsible for the differences. 
RESPONSIBILITY:  I  agree  to  repay  you  according  to  the  terms  of 
this Agreement for all Purchases, Advances, Balance Transfers, IN-
TEREST  CHARGES,  TRANSACTION  FEES,  and  other  FINANCE 
CHARGES, Late Payment Fees, and all other fees and charges, if 
any, arising from the use of the Card and/or Account by me or any 
other person I permit to use the Account, even if that person exceeds 
my permission. I cannot disclaim responsibility by notifying you, al-
though you will close the Account if I so request and I will return all 
Cards to you and I will repay the unpaid balance to you. My obligation 
to  pay  the Account  balance  continues  even  though  an  agreement, 
divorce decree or other court judgment to which you are not a party 
may  direct  me  or  one  of  the  other  persons  responsible  to  pay  the 
Account. Any  person  using  the Account  and/or  Card  is  jointly  and 
severally  responsible  with  me  for  charges  he  or  she  makes,  but  if 
that person signs the Card he or she becomes a party to this Agree-
ment and is also responsible for all charges on the Account, including 
mine. The Cards remain your property and I must recover and sur-
render to you all Cards upon your request and/or upon termination 
of this Account. 
TRANSACTION SLIPS: My periodic statement will identify the mer-
chant, electronic terminal or financial institution at which transactions 
were made, but sales, Cash Advances, credit or other slips cannot 
be returned with the periodic statement. I will retain the copy of such 
slips  furnished  at  the  time  of  the  transaction  in  order  to  verify  my 
periodic statement. You may assess a reasonable fee for any photo-
copies or slips I request. 
PLAN MERCHANT DISPUTES: You are not responsible for the re-
fusal of any plan merchant or financial institution or electronic termi-

CHARGES provided that either: (1) you received payment in full of 
the ending balance for the previous billing cycle by the Payment Due 
Date disclosed in the previous billing cycle’s periodic statement; or 
(2)  the  previous  billing  cycle’s  ending  balance  was  $0.  If  I  have  a 
grace  period  to  pay  the  New  Balance  for  any  billing  cycle,  and  do 
not pay the New Balance in full during this grace period, INTEREST 
CHARGES will be assessed on any portion of the New Balance not 
paid during the grace period using the Average Daily Balance method 
as explained above. The Payment Due Date disclosed on each peri-
odic statement provided to me is the last day of my grace period for 
that statement’s billing cycle.
Average Daily Balance (including current Balance Transfer transac-
tions): You  figure  a  portion  of  the  INTEREST  CHARGE  on  my Ac-
count by applying the Balance Transfer Monthly Periodic Rate to the 
Average Daily Balance of Balance Transfers (including current Bal-
ance Transfers). To get the Average Daily Balance of Balance Trans-
fer transactions you take the beginning balance of Balance Transfer 
transactions on my Account each day, add any new Balance Trans-
fer  transactions,  and  subtract  any  payments  or  credits,  and  unpaid 
INTEREST CHARGES and other FINANCE CHARGES. This gives 
you  the  daily  balance  of  Balance  Transfer  transactions.  Then,  you 
add up all the daily balances of Balance Transfer transactions for the 
billing cycle and divide the total by the number of days in the billing 
cycle. This gives you the Average Daily Balance of Balance Transfer 
transactions. 
I have at least a 25 day grace period from the close of each billing 
cycle to pay the New Balance without incurring additional INTEREST 
CHARGES provided that either: (1) you received payment in full of 
the ending balance for the previous billing cycle by the Payment Due 
Date disclosed in the previous billing cycle’s periodic statement; or 
(2)  the  previous  billing  cycle’s  ending  balance  was  $0.  If  I  have  a 
grace  period  to  pay  the  New  Balance  for  any  billing  cycle,  and  do 
not pay the New Balance in full during this grace period, INTEREST 
CHARGES will be assessed on any portion of the New Balance not 
paid during the grace period using the Average Daily Balance method 
as explained above. The Payment Due Date disclosed on each peri-
odic statement provided to me is the last day of my grace period for 
that statement’s billing cycle.
This  determines  my  total  periodic  INTEREST  CHARGES  for  the 
billing  cycle.  Actual  periodic  INTEREST  CHARGES  will  be  shown 
on  my  periodic  statement.  The  combination  of  periodic  INTEREST 
CHARGES, Cash Advance Fee and Foreign Transactions Fee, will 
not exceed the ANNUAL PERCENTAGE RATE permitted under ap-
plicable law.
CREDIT LIMIT: You will establish a Credit Limit for me. At your dis-
cretion, you may increase or decrease my Credit Limit at any time, 
and  may  provide  separate  limits  for  Purchases,  Cash  Advances 
and  Balance  Transfers.  You  will  notify  me  if  you  do,  either  by  mail 
or  through  my  periodic  statement.  If  I  object  to  any  Credit  Limit  in-
crease, I must notify you immediately in writing. Upon receipt of such 
notice, my Credit Limit will be reduced to its prior limit, however, I will 
be  responsible  to  pay  any  amounts  by  which  I  have  exceeded  the 
reduced  limit.  I  agree  not  to  allow  my Account  Balance  to  exceed 
my Credit Limit. I agree to advise you of any change in my financial 
condition which may affect my creditworthiness. I agree to update the 
credit information that I have provided you, from time to time, on your 
demand. I or my joint applicant for the Account may request a change 
to the Credit Limit orally, in writing, or electronically, but any such re-
quest must be approved by you. If my Credit Limit is increased, I am 
immediately responsible for the new Credit Limit and any increase in 
the Account Balance even when it differs from an amount previously 
agreed to orally or in writing. 
MINIMUM MONTHLY PAYMENT: Every month, I must pay at least 
the Minimum monthly payment by the Payment Due Date shown on 
my periodic statement. By separate agreement, I may authorize you 
to  automatically  transfer  the  Minimum  monthly  payment  from  my 
Credit Union share or share draft account. I may, of course, pay more 
frequently,  pay  more,  or  pay  the Account  Balance  in  full,  and  I  will 

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reduce my periodic FINANCE CHARGE by doing so. The Minimum 
monthly  payment  will  be  either:  (a)  2%  of  my Account  Balance,  or 
$20, whichever is greater; or (b) my Account Balance, if it is less than 
$20.  In  addition,  I  must  pay  any  amount  on  my  periodic  statement 
listed as past due and any late charge. At any time my Account Bal-
ance exceeds my Credit Limit, I must pay the excess. 
The “Payment Due Date” will be shown on my periodic statement. 
I understand and agree that any Minimum Monthly Payment made by 
me will be applied in the following order: (a) unpaid fees and charges, 
if any; (b) unpaid periodic INTEREST CHARGES, TRANSACTION 
FEES, and other FINANCE CHARGES due on Purchases, Cash Ad-
vances and Balance Transfers; (c) outstanding balances of Balance 
Transfers,  Cash  Advances  and  Purchases  previously  billed;  and 
(d) current Balance Transfers, Cash Advances and Purchases. Any 
payment I make in excess of the Minimum Monthly Payment will be 
applied to my balances subject to the highest ANNUAL PERCENT-
AGE RATE first, then to balances subject to lower ANNUAL PER-
CENTAGE RATES, in descending order of ANNUAL PERCENTAGE 
RATES  until  all  balances  subject  to  an  ANNUAL  PERCENTAGE 
RATE are paid in full. Thereafter, you will apply all payments in ex-
cess  of  the  Minimum  Monthly  Payment,  if  applicable,  in  the  same 
order as you apply the Minimum Monthly Payment. 
LATE PAYMENT FEE: If you have not received my Minimum Monthly 
Payment  within  ten  (10)  days  after  the  “Payment  Due  Date”  listed 
on  my  periodic  statement,  I  agree  to  pay  a  Late  Payment  Fee  as 
set forth in the enclosed Schedule of Fees which accompanies this 
Agreement  and  is  incorporated  by  reference  herein  as  though  set 
forth in full.
RETURNED  PAYMENT  FEE:  If  a  payment  that  was  applied  to  my 
Account is returned to you unpaid for any reason I agree to pay a Re-
turned Payment Fee as set forth in the enclosed Schedule of Fees. 
This fee will also apply to any payments made by automatic transfer 
that cannot be posted due to insufficient funds in my regular share 
or checking account. 
CASH ADVANCE  FEE:  For  each  Cash Advance,  a  Cash Advance 
Fee of either $2 or 2% of the amount of the Advance will be charged, 
whichever is greater, subject to a maximum fee of $25 for each Cash 
Advance transaction. Cash Advance transactions include ATM with-
drawals,  online  funds  transfers,  telephonic  funds  transfers,  and  in 
person  Cash  Advances  at  a  financial  institution’s  branch  from  the 
Account. 
BALANCE TRANSFER: I understand that I can request a Balance 
Transfer transaction, which allows me to pay a portion or the entire 
balance of a credit card account I maintain with another institution. 
Any  request  I  make  for  a  Balance  Transfer  is  subject  to  your  ap-
proval, based on my Credit Limit, my creditworthiness, and my good 
standing as a member. 
CREDIT LIFE AND/OR DISABILITY INSURANCE: The purchase of 
this insurance is entirely voluntary and is not a factor in the approval 
of the extension of credit. If credit life and/or disability insurance is 
available  to  me  on  the Account,  and  I  request  it  by  completing  the 
Credit Insurance Application/Schedule which contains current rates 
and  qualifying  information,  the  premium  will  be  calculated  monthly 
by  multiplying  the  premium  rate  by  the  outstanding  balance  on  the 
Account. You will add the premium amount to my Account Balance 
on each Billing Cycle Close Date. I acknowledge receiving a copy of 
the Credit Insurance Application/Schedule. 
PREPAYMENT OR IRREGULAR PAYMENTS: Though I need only 
pay the Minimum Monthly Payment, I understand that I have the right 
to repay my Account Balance at any time without penalty. I also un-
derstand and agree that I will only be charged periodic INTEREST 
CHARGES  to  the  date  I  repay  my  entire  Account  Balance.  I  may 
make larger payments without penalty and this may reduce the total 
amount of periodic INTEREST CHARGES that I will repay. If I pay 
more than the Minimum Monthly Payment in any month and there is 
still a balance due, I must continue to make Minimum Monthly Pay-
ments in future months. Any partial payment of my Account Balance 

will  not  advance  my  next  payment  due  date(s).  I  understand  and 
agree that any payment that: (a) delays or (b) accelerates the repay-
ment  of  my Account  Balance  will:  (a)  increase  or  (b)  decrease  my 
Monthly Periodic INTEREST CHARGE. 
PAYMENTS  BY AUTOMATIC TRANSFER:  If  I  request  payment  by 
automatic transfer, I understand and agree that no payment can or 
will be made if there are insufficient or uncollected funds in the des-
ignated account to make the scheduled payment. Should this event 
occur, I understand and agree that I will not be released from making 
the payment. Any automatic transfer I have requested will remain in 
effect until I cancel it in writing or the Account Balance is paid in full. 
You may cancel this service at your discretion.
DEFAULT:  I  will  be  in  default  if:  (1)  I  do  not  pay  on  time  or  in  the 
proper amount(s); (2) I have made a false or misleading statement 
on my application; (3) I fail to live up to any of the terms of this Agree-
ment; (4) my creditworthiness is impaired; or (5) I die, become insol-
vent or am the subject of bankruptcy or receivership proceedings. In 
the event of any action by you to enforce this Agreement, I agree to 
pay the costs thereof, including reasonable attorneys’ fees, and other 
expenses. I understand and agree that INTEREST CHARGES at the 
ANNUAL PERCENTAGE RATE as permitted under this Agreement 
will continue to accrue until I repay my entire Account Balance.
ACCELERATION AND  COLLECTION  COSTS:  Upon  my  default,  I 
understand and agree that you have the right to temporarily or per-
manently  suspend  any  and  all Account  and  Card  privileges  and/or 
you may demand immediate payment of the Account Balance, includ-
ing  INTEREST  CHARGES,  TRANSACTION  FEES,  and  other  FI-
NANCE CHARGES, Late Payment Fees, and your collection costs, 
reasonable attorneys’ fees, and court costs (collectively “collection-
related charges”), and all other fees and charges hereunder. I under-
stand and agree that I will be subject to INTEREST CHARGES (at 
the applicable  Monthly Periodic  Rate), TRANSACTION  FEES, and 
other FINANCE CHARGES, Late Payment Fees, collection-related 
charges, and all other fees and charges under the terms disclosed 
in  this Agreement,  until  I  repay  my  entire Account  Balance.  In  the 
event of any action by you to enforce this Agreement, I agree to pay 
the costs thereof, reasonable attorneys’ fees, and other expenses.
ELECTRONIC FUND TRANSFER: In the event the use of the Card, 
the Account or the Account number of the Card constitutes an Elec-
tronic Fund Transfer, the terms and conditions of my Electronic Fund 
Transfer Agreement  with  you  shall  govern  such  transactions  to  the 
extent the Electronic Fund Transfer Agreement expands or amends 
this Agreement. 
PURCHASES,  ADVANCES  and  BALANCE  TRANSFERS:  I  may 
make Purchases, Balance Transfers and request Advances in accor-
dance with then current loan policies up to my Credit Limit. I under-
stand and agree that all purchases and other transactions requested 
by me or anyone I have permitted to use the Card(s) and/or Account 
are subject to your approval. 
USING  THE  CARD:  To  make  a  Purchase  or  obtain  an Advance,  I 
may present the Card or Card number to a participating VISA plan 
merchant, to you or to another financial institution that accepts Clas-
sic VISA Credit Cards and sign or authorize a sales or Cash Advance 
draft.  Certain  purchases,  Cash  Advances  and  Balance  Transfers 
will  require  an  authorization  prior  to  completion  of  the  transaction. 
In  some  cases,  I  may  be  asked  to  provide  identification.  If  I  have 
received  a  personal  identification  number  (“PIN”),  I  may  also  use 
my Card and PIN to obtain Cash Advances at any Automatic Teller 
Machine  (“ATM”)  that  accepts  my  Card  or  other  type  of  electronic 
terminal that provides access to the VISA system. (Not all ATMs ac-
cept Classic VISA Credit Cards.) My PIN is confidential and should 
not be disclosed to anyone. I agree not to write my PIN on my Card, 
I will not keep my Card and PIN together, and I will not provide my 
PIN to anyone who is not an authorized user. Advances through ATM 
access  will  be  treated  as  Cash Advances. Advances  at  authorized 
ATMs are limited to a total of $300.00 per day. I may also provide my 
Card  number  verbally,  electronically,  or  in  writing  to  a  merchant  to 
complete a mail, electronic or telephone transaction.

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