Credit Card Agreement and Disclosure 

This  Agreement  and  Disclosure  sets  forth  the  terms  and  conditions  of  the  Logix  Federal  Credit  Union  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 Classic, Platinum and Platinum Rewards Credit Cards unless otherwise identified.  Please Read it Carefully. 

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 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.logixbanking.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 Credit Card Account. 

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. 

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 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 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 your credit card Convenience Checks which may be provided 
to you by us.  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 Credit Card 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 
your account as described below. 

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  advances  and  purchases;  (c)  the  unpaid  balance  of  cash  loan  advances;  and,  (d)  credit  purchases  of  goods  and 
services.  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.  Balances of less than $30.00 must be paid in full. 

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 that we may adjust the automatic payment amount each month to either the minimum monthly payment 

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(Required Payment Due) or “payment in full” as authorized by you.  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 brochure or 
disclosure for more information.  

VARIABLE RATE INFORMATION: The 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.   

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). 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 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, Credit Card Convenience Checks, and Balance Transfers. 

Ask us for the current Index Value. Your Annual Percentage Rate (Index + Margin) will be included in your Congratulations 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. 

MAXIMUM RATE AND PAYMENT EXAMPLE:  If you had an outstanding balance of $2,000, the Minimum Monthly Payment at the maximum 
APR of 18.00% would be 2% of the balance or $40 and would take approximately 94 monthly payments or approximately eight (8) years to pay 
off the balance if no additional charges were added to the account. If your initial APR was 10.24% the Minimum Periodic Payment would be 2% 
of the balance or $40 and would take approximately 66 payments or approximately six (6) years to pay off the balance if no additional charges 
were added to the account. Calculations based on Index Value as of June, 2012 - Index plus the Margin. 

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. 

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  cash  loan  advance  transactions  some 
examples include credit withdrawals at ATMs; advances initiated via transfer through Telephone Banking or  Online Banking; Convenience 

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Checks; or advances for Checking Account Overdraft Protection like balance transfers, or overdrafts, which accrue interest charges from the 
posting date. 

AVERAGE  DAILY  BALANCE  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 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) June 1, 2012: 

Platinum  Rewards  Credit  Card  -The  Daily  Periodic  Rate  used  to  compute  the  interest  charges  on  the  Platinum  Rewards  Credit  Card 
Account is the Index (currently 3.25%) plus a Margin ranging from 5.99% to 14.74%, divided by [365]. This rate is 0.0253% on a 9.24% APR, 
0.0308% on a 11.24% APR, 0.0363% on a 13.24% APR, or 0.0493% on a 17.99% APR. The periodic rate may vary. 

Platinum Card And Share Secured Platinum Card - The Daily Periodic Rate used to compute the interest charges on the Platinum Credit 
Card Account is the Index (currently 3.25%) plus a Margin ranging from 4.99 to 14.74%, divided by [365]. This rate is 0.0225% on a 8.24% 
APR, 0.0281% on a 10.24% APR, 0.0340% on a 12.24% APR, 0.0390% on a 14.24% APR, 0.0445% on a 16.24% APR, or 0.0493% on a 
17.99% APR. 

Classic Card - The Daily Periodic Rate used to compute the interest charges on the Classic Credit Card Account is the Index (currently 
3.25%) plus a Margin ranging from 9.99 to 14.74%, divided by [365]. This rate is 0.0363% on a 13.24% APR, 0.0390% on a 14.24% APR, 
0.0418% on a 15.24% APR, 0.0445% on a 16.24 % APR, or 0.0493% 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. 

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 credit 
card 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 Platinum Rewards Program Disclosure for complete details. 

TRANSACTIONS MADE IN FOREIGN CURRENCY:  If you perform a transaction that settles in a foreign currency, VISA will convert the 
transaction  into  a  U.S.  dollar  amount.    The  conversion  rate  in  U.S.  dollars  will  be  either  at  wholesale  market  rate  or  the  government-
mandated rate in effect one day prior to the processing date.  VISA will increase the conversion rate up to one percent (1%) and keep this 
increase. Logix has no control over the conversion rate and will pass on the one percent (1%) conversion rate fee imposed and retained by 
VISA.  The currency conversion rate calculated in this manner that is in effect on the processing date may differ from the rate in effect on the 
transaction date or the posting date. 

DEFAULT/LATE PAYER 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 rate (Late Payer Rate) equal to the 
Index  Value  plus  14.74%,  currently  capped  at  17.99%  (Daily  Periodic  Rate  0.0493%).    We  will  apply  the  Late  Payer  Rate  to  your  entire 
Credit Card Account balance and to any future transactions. If you make six (6) consecutive periodic payments on time after the date we 
applied the Late Payer Rate, we will reinstate your regular rate. 

COMPUTING THE INTEREST CHARGE: The interest charge on your Credit Card 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 Credit Card 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: $4.00 per overdraft. Limit: Your Checking Account Overdraft Protection limit will be part of, and not in addition to, your total 
approved Credit Limit under this Agreement. 

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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 Credit Card 
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 Credit Card 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 Credit Card 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 
Credit  Card  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 Credit Card 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. 

OVER-THE-CREDIT LIMIT: If you have provided consent, we can access an Overlimit Fee of $25 for a transaction that exceeds your credit 
limit. You may opt-in or opt-out at any time by contacting us. Even if you request over-the-credit limit coverage, in some cases we may still 
decline a transaction that would cause you to go over your credit limit. 

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 
Credit  Card  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. 

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 a Credit Card Account. You understand and agree you 
have  granted  us  a  security  interest  in  a  savings  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. 

CREDIT CARD CONVENIENCE CHECKS:  Convenience Checks drawn against your Credit Card 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  Credit  Card  Account  and  interest  will  begin  to  accrue  from  the  date  the  Convenience  Check  is  posted  to  your  Credit  Card 
Account (see Cash Loan Advance). 

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 Credit Card Account, subject to a $20.00 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 

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received, unless otherwise canceled or renewed by you. 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 “LATE PAYER RATE” under “INTEREST CHARGES”); (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  a 
consumer credit reporting agency. 

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:  Granting  you  a  Credit  Card  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. 

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. 

CANCELLATION:    You  can  cancel  your  Credit  Card  Account  at  any  time  by  returning  to  us  your  Card(s),  cut  in  half,  along  with  a  letter 
requesting  that  we  cancel  your  Credit  Card  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  Credit  Card 
Account has been inactive for at least 12 months, we will not reissue a new Card to you and may close your Credit Card Account. 

CHANGE OF TERMS:  We may change any part of this Agreement and Disclosure at any time, as long as we give you advance notice as 
required by law.  Subject to applicable law, any change in terms will apply to your outstanding balance existing as of the effective date as 
well as to all charges made after that date, as permitted by law. 

CHANGE OF NAME, ADDRESS and EMPLOYMENT: You will advise us promptly of any change in your name, address 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. 

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. 

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LOST/STOLEN  CARD  NOTIFICATION  AND  LIABILITY  FOR  UNAUTHORIZED  USE:    You  will  take  reasonable  steps  to  prevent  the 
unauthorized  use  or  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, 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. Waiver:  We may delay enforcing any of 
our rights or otherwise refrain from exercising any of our rights regarding any breach or default that occurs. Waivers will be binding only if we 
agree to 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. 

DELAY IN ENFORCEMENT:  We may delay enforcing any of our rights under this Agreement without losing them. 

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  at  Logix,  P.O.  Box  6999,  Burbank,  CA 
91510. 

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. 
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 the 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 ATMs. 
d) If you 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. 
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. 

ADDITIONAL  CREDIT  CARD  BENEFITS  AND  SERVICES:  There  are  additional  benefits  and  services  available  from  VISA  for  VISA 
Cardholders. Please call (800)328-5328 to request an informational brochure. 

FEES AND CHARGES: 
Please refer to the Agreement Rates and Fees Table below. 

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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.logixbanking.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 automated payment is scheduled, if you want to stop payment on the amount you think is 

wrong. 

You must notify us of any potential errors in writing. You may call us 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. 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

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. 
 
  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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Interest Rates and Interest Charges 

Credit Card Agreement Rates and Fees Table 

Annual Percentage Rate 
(APRs) for Purchases 
Platinum Rewards 
Platinum 
Regular or Share Secured 

Introductory Rate 
Platinum  
(Regular Only) 

Other Annual Percentage Rates 

Penalty APR and When it Applies 

Paying Interest  

Minimum Finance Charge 

Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 

Transaction Fees  
Foreign Transaction (International Service Fee) 
Overdraft Protection  
Transfer Fee 
Penalty Fees 
Late Payment** 
Over Credit Limit (must opt-in) 
Returned Payment 
NSF Credit Card Convenience Check 

9.24% APR to 17.99% APR 

8.24% APR to 17.99% APR 

0.00% Introductory APR*, after that, APR will be your 
standard rate. 

APRs are variable and based on your creditworthiness.  The rate will vary with the 
market based on Prime Rate 

APR for Cash Advances, Overdraft Protection, Credit Card Convenience Checks 
and Balance Transfers is the same as for purchases. 
17.99% APR 
This APR may be applied if you: 
(1)  Make your minimum payment more than 60 days late at any time.  

How Long Will the Penalty APR Apply?  If your APR’s 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 transfer on the 
transaction date. 
None 
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 

Up to 1% of each transaction in U.S dollars 

$4.00 

Up to $30.00  
Up to $25.00  
Up to $29.00 
Up to $29.00 when over the credit limit or written on delinquent account 

Other Fees 
Stop Payment on Credit Card Convenience 
Check 

Up to $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. 

*Introductory Rate:  0% Introductory rate includes purchases, balance transfers, and cash advances made during the first 90 days your account is 
open, qualify for the 0% APR for up to 6 months (180 days).  After the first 90 days, your rate on purchases, balance transfers and cash advances will 
accrue at your standard credit card percentage rate. 

*Loss of Introductory APR:  We will end your introductory APR and apply the Penalty APR if you make a late payment.  

Billing Rights:  For information on your rights to dispute transactions and how to exercise those rights refer to your Credit Card Agreement and 
Disclosure. 

**Penalty Fees:  A single late payment violation will not exceed $25. However, if another late payment violation occurs within six monthly billing 
periods, we will charge up to $30.  

Logix, P.O. Box 6759, Burbank, CA 91510-6759 

13464-16(6/2012)135 

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