VISA CREDIT CARD 
DISCLOSURE AND AGREEMENT
NOTICE:  See  reverse  side  for  important  information  regarding  your 
rights to dispute billing errors.

Military Lending Act Notice
Federal law provides important protections to members of the Armed 
Forces and their dependents relating to extensions of consumer credit. 
In general, the cost of consumer credit to a member of the Armed Forc-
es and his or her dependent may not exceed an annual percentage rate 
of 36 percent. This rate must include, as applicable to the credit trans-
action  or  account:  The  costs  associated  with  credit  insurance  premi-
ums, fees for ancillary products sold in connection with the credit trans-
action; any application fee charged (other than certain application fees 
for specified credit transactions or accounts); and any participation fee 
charged (other than certain participation fees for a credit card account).
Call (800) 634-6632 to hear the above disclosures and a description of 
your payment obligations.
In  this Agreement  the words “you”  and “your”  mean each and all  of those: 
(a) whose names appear on a Card or Statement or who uses this Account or 
(b) who otherwise agree to be liable on the Account. Card means the Visa® 
Classic, Visa Gold, Visa Classic Secured, Visa Equity Gold, or Visa Business 
Card, and any duplicates and renewals the Credit Union issues. “Account” 
means your Visa Credit Card Account with the Credit Union. The terms “we”,  
“us”,  “our”   and “Credit  Union” mean Honda Federal Credit Union.
OBLIGATION: By applying  and receiving, signing, using or authorizing an-
other to sign or use the Card and/or Account issued by Honda Federal Credit 
Union,  you  agree  to  the  following  terms    and  conditions  and  any  subse-
quent amendments. If you do not agree with the terms and conditions of this 
Agreement, please destroy the card at once by cutting it in half and mail it 
back to the Credit Union with your instructions to close the account.
SIGNATURE: You should  sign the back of your Card as soon as you receive 
it to help protect your Account from unauthorized use. However, your liability 
does not depend on whether you sign your Card.
MAXIMUM CREDIT  LIMIT: You  have applied to us for a Visa Credit Card 
Account. The loans which the Credit Union may extend to you under this Ac-
count shall at no time exceed the assigned credit  limits hereinafter referred 
to as the maximum  “Credit Limit” disclosed to you on the enclosed “Visa 
Credit Card Acceptance  Letter” and incorporated herein by reference. Each 
payment you make on the account will restore your credit limit by the amount 
of the payment which is applied to the principal amount of purchases and 
cash advances.  You agree that we may change this Credit Limit at any time 
and we will notify you of any  such change.
USING YOUR ACCOUNT:  Four (4) types  of credit are available to you under 
your Account.

1. Purchases: You may use your Card and/or Account to pay for goods and 
services in person, online, and by mail or telephone from merchants and 
others who accept Visa credit cards.

2. Cash Advances: You may use your Card to obtain cash from the Credit 
Union, from other financial institutions or select merchants participating 
in the Visa program, or from an Automated Teller Machine  (ATM), such 
as the Visa ATM Network, that provides access to the Visa system along  
with a Personal  Identification Number (PIN) issued by us  or selected by 
you, or by use  of  Visa Convenience Checks. You may also use the Visa 
Convenience Checks for any legal purpose.

3. Balance  Transfer  (Excluding  Visa  Business  Card  and  Visa  Equity  Gold 
Card): You may transfer balances to your Visa account from other cred-
itors.  For  the  purpose  of  calculating  INTEREST  CHARGES,  Balance 
Transfers are the same as Cash Advances.

4. Regular Checking Account Overdraft Protection (Excluding Visa Equity 

Gold Card): See Overdraft Protection terms below.

ILLEGAL  USE  OF  VISA  CREDIT  CARD:  You  agree  that  your  Visa  Credit 
Card Account will not be used to make or facilitate any transaction(s) that are 
or might be construed to be illegal pursuant to applicable law, rule or ordi-
nance, including but not limited to gambling, gaming, betting or any similar 
transaction or activity. Such transactions  include, but may not be limited to, 
any  quasi-cash  or  online  gambling  transaction,    any  electronic  commerce 
transaction  conducted  over  an  open  network,  and  any  betting  transaction  

including the purchase of lottery tickets  or casino gaming chips/checks  or 
off-track betting or wagering. Said use, including any such authorized use, 
will constitute an event of default under this Agreement. You agree that the 
Credit Union has no liability, responsibility or culpability whatsoever for any 
such use by you or any authorized user(s). You agree that you are responsi-
ble for repayment of any and all debts incurred for these transactions. You 
further agree to indemnify and hold the Credit Union harmless from any suits, 
liability, damages or adverse action of any kind that results directly or indi-
rectly from such illegal use.
OVERDRAFT PROTECTION (EXCLUDING VISA BUSINESS  CARD AND 
VISA EQUITY GOLD CARD): We may transfer funds in multiples  of $50 (or 
in such increments as we may from time to time determine) to your Checking 
Account by an advance on your Visa Account, subject  to this provision, to 
clear any Overdraft  on your Checking  Account. Whether  or not such trans-
fers occur will  be controlled by this Agreement.  In any event, you hold us 
harmless  for any and all liability which might otherwise arise if the transfer 
does not occur. The Credit Union shall not be liable or responsible for any 
claims or disputes  with regard to purchases  made by using a share draft. 
Overdraft protection automatically ceases if this Agreement is ever cancelled 
or  terminated  or  your  Account  is  in  default.  The  Credit  Union,  however,  is 
under no obligation to make a transfer to cover an overdraft.
REQUEST   FOR  LOAN  /  CREDIT  LIMIT: You agree that each use of 
your Account, Card or Convenience Check constitutes a loan.  You agree 
not to exceed the approved  Credit Limit under this Agreement.  You may 
request an increase in  your Credit  Limit, but Credit  Limit increases must be 
approved by us. At the request of the Credit Union, you agree to return to the 
Credit  Union your Card and/or Convenience Checks. You are  responsible  
for safekeeping  of the Card and/or Convenience Checks.
CREDIT INFORMATION: You  agree that we may investigate your creditwor-
thiness at any time when opening or reviewing your account. You authorize 
us to obtain from  time to time, information  from others, such as  creditors  
and credit reporting agencies, concerning you and your credit accounts with 
them. You also authorize us to respond  from time to time to requests from 
creditors and credit bureaus  regarding the status and history of your account 
to the extent authorized by law.
As required by law, you are hereby notified that a negative credit report re-
flecting on your credit record may be submitted to a credit reporting agency 
if you fail to fulfill the terms of your credit obligations. Late payments, missed 
payments, or other defaults on your loan account may be reflected in your 
credit report.
CONVENIENCE  CHECKS    (EXCLUDING  VISA  BUSINESS  CARD  AND 
VISA EQUITY GOLD CARD): You may access  your Account  by utilizing  
the Visa Convenience Checks that are provided to you.
1.  We will honor  and pay Checks up to your available  Credit Limit as 
long as they are drawn on forms authorized by us and presented be-
fore the expiration date on the Check.
To  stop  payment  on  a  Check,  you  must  call  us  at  (800)  634-6632 
during our business  hours with the following information: the exact 
dollar amount of the Check; the Check number; your Account number; 
the name of the party to whom the Check was written and the name of 
the person who signed the Check.
We will stop payment on the Check if we receive your stop payment 
request by the business day before the day we pay your Check. The 
day we pay the check may be before  it posts to your account. The 
stop payment order will remain effective for 6 months. You may write 
to us to cancel the order at any time.
If a Card is reported lost or stolen, the Checks are null and void.
You agree to hold us harmless  and to indemnify us from any liability 
incurred due to a delay or misrouting of a Check where the delay or 
misrouting is caused by markings placed on the Check by you or a 
prior endorser that obscure any depository endorsement  placed by 
us or our agent.
For the purpose of calculating INTEREST  CHARGES, Checks are the 
same as Cash Advances.
Credit Union may recognize the signature  of anyone who signed the 
credit application for the Account as authorized to transact any busi-
ness on this account including signing of Checks.
Checks may not be used to pay any amount you owe under this Agree-

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ment or under any other credit agreement or account you hold with us.
8.  We do not have to pay a Check  if: (a) you are in default under this 
or  any  other  Agreement    with  us,  (b)  if    payment  would  cause  you 
to exceed your  Credit  Limit, (c) if your  right to use Checks on your 
Account is cancelled, closed or suspended, (d) your signature  or the 
payee’s name or endorsement is missing on the check or the check 
appears altered, or (e) your check is post-dated, although we may pay 
a post-dated check at any time once presented, regardless of the date 
shown. If a post- dated check is paid resulting  in another check being 
returned  or  not  paid  we  are  not  responsible.  If    we  pay  any  check 
under any condition, you must pay us the amount of the check plus 
applicable fees and charges unless such liability is precluded by law.
INTEREST CHARGES: The ANNUAL PERCENTAGE RATE (and the corre-
sponding Daily Periodic Rate) used in calculating the INTEREST CHARGE 
are disclosed on the enclosed Visa Credit Card Acceptance Letter the terms 
of which are incorporated herein by this reference.
For Purchase Transactions (including New Purchases) (excluding Visa 
Business Card and Visa Equity Gold Card): Grace Period - To avoid in-
curring an INTEREST CHARGE on the balance of Credit Purchases reflected 
on the statement and on any new Credit Purchases appearing on your next 
statement, you must pay the entire New Balance shown on the statement 
within  25  days  of  your  Statement  closing  date.  Otherwise  the  INTEREST 
CHARGE  on  purchases  is  calculated  from  the  beginning  of  the  statement 
period on previously billed but unpaid purchases and on new purchases from 
the date they are posted to your account. INTEREST CHARGES will continue 
to  accrue  until  the  closing  date  of  the  billing  cycle  preceding  the  date  on 
which the entire New Balance is paid in full or until the date of payment if 
more than the Payment Due Date shown from the closing date.
The INTEREST CHARGES for a billing cycle are computed by applying the 
daily Periodic Rate to the “average daily balance” of Credit Purchases. To 
get  the  ‘‘average  daily  balance,’’  we  take  the  beginning  balance  of  Credit 
Purchases on your account each day, add any new Credit Purchases, and 
subtract any unpaid other finance charges and any payments or credits. This 
gives us the “daily balance.” The “average daily balance” is determined by 
dividing the sum of the “daily balances” during the billing cycle by the num-
ber of days in the cycle.
For  Cash  Advances  (including  Balance  Transfers  and  Convenience 
Check  transactions)  (excluding  Visa  Business  and  Visa  Equity  Gold 
Card): No Grace Period - An INTEREST CHARGE will be imposed on Cash 
Advances from the date the Cash Advance is posted to your Account or the 
first  day  of  the  billing  cycle  in  which  the  Cash  Advance  is  posted  to  your 
account, whichever is later, and will continue to accrue until the date of pay-
ment. There is no grace period for Cash Advances. For the purpose of cal-
culating INTEREST CHARGES, Balance Transfers and Convenience Check 
Transactions are treated the same as, and reflected as, Cash Advances.
The INTEREST CHARGES for a billing cycle are computed by applying the 
daily Periodic Rate to the “average daily balance” of Cash Advances. To get 
the ‘‘average daily balance,’’ we take the beginning balance of Cash Advanc-
es on your account each day, add any new Cash Advances, and subtract 
any unpaid other finance charges and any payments or credits. This gives 
us the “daily balance.” The “average daily balance” is determined by dividing 
the  sum  of  the  “daily  balances”  during  the  billing  cycle  by  the  number  of 
days in the cycle. 
For Visa Equity Gold Card transactions - An INTEREST CHARGE will be im-
posed on all Advances from the date the Advance is posted to your Account 
and will continue to accrue until the date of payment. There is no grace pe-
riod for Advances. 
The INTEREST CHARGES for a billing cycle are computed by multiplying the 
daily periodic rate to the principal balance daily. We then add together the 
daily interest charge for each day in the monthly billing cycle.
Actual INTEREST CHARGES will be shown on your periodic statement. 
The  following  ANNUAL  PERCENTAGE  RATES  and  corresponding  monthly 
Periodic Rates will apply to both purchases and Cash Advances:
VISA CLASSIC CARD INTEREST CHARGES - Your Visa Classic Card Ac-
count will be subject to an INTEREST CHARGE at the ANNUAL PERCENT-
AGE  RATE  and  a  corresponding  daily  Periodic  Rate,  which  will  be  deter-
mined by your credit rating. The ANNUAL PERCENTAGE RATES range from 
11.5% to 18.0% (with corresponding monthly Periodic Rates ranging from 
0.032% to 0.049%). For your ANNUAL PERCENTAGE RATE, refer to the Visa 

Credit Card Acceptance Letter the terms of which are incorporated herein 
by this reference.
VISA GOLD CARD INTEREST CHARGES - Your Visa Gold Card Account 
will  be  subject  to  an  INTEREST  CHARGE  at  the  ANNUAL  PERCENTAGE 
RATE of 9.9% and a corresponding daily Periodic Rate of 0.027%. Your AN-
NUAL PERCENTAGE RATE will be confirmed on the VISA Credit Card Ac-
ceptance Letter, the terms of which are incorporated herein by this reference.
Introductory Rate for Visa Gold Accounts: Visa Gold Accounts are subject to 
an Introductory Rate ON Credit Purchases and Cash Advances for the six (6) 
month period immediately following the date that your Visa Gold Account is 
established,  during which time your Visa Gold Account will be subject to an 
ANNUAL PERCENTAGE RATE of 6.9% and a corresponding Daily Periodic 
Rate of 0.019%. On the expiration  of the Introductory Rate period, the Daily 
Periodic Rate applicable to the balance existing at that time and in the future 
and the corresponding ANNUAL PERCENTAGE  RATE is as disclosed on the 
Visa Credit Card Acceptance Letter.
VISA CLASSIC SECURED CARD INTEREST CHARGES - Your Visa Clas-
sic Secured Card Account will be subject to an INTEREST CHARGE at the 
ANNUAL PERCENTAGE RATE of 5.99% and a corresponding daily Periodic 
Rate  of  0.016%.  Your  ANNUAL  PERCENTAGE  RATE  will  be  confirmed  on 
the VISA Credit Card Acceptance Letter, the terms of which are incorporated 
herein by this reference.
VISA EQUITY GOLD CARD INTEREST CHARGES - Your Visa Equity Gold 
Card can only be used to access your corresponding Credit Union Home Eq-
uity Line of Credit (HELOC) account, which account terms and conditions are 
incorporated herein by reference. It will be subject to an INTEREST CHARGE 
at  the  ANNUAL  PERCENTAGE  RATE  and  a  corresponding  daily  Periodic 
Rate as set forth in your HELOC account disclosure, and repayment shall 
be  governed  by  same.  There  is  no  separate  line  of  credit  associated  with 
this Card. All Purchases or Cash Advances will be charged to your HELOC.
VISA BUSINESS  CARD INTEREST CHARGES: None.
CHANGE  OF  TERMS:    The  Credit  Union  may  change  the  terms  of  this 
Agreement, including your ANNUAL PERCENTAGE RATE, from time to time 
for any reason not inconsistent with applicable law after giving you any ad-
vance notice required by law. Your failure to exercise any right you may have 
to reject the change in terms in a timely manner will indicate your agreement 
to the change. Except as restricted or prohibited by law, any change in terms 
will apply to your existing account balance as well as to future transactions. 
Either the Credit Union or any one of you may terminate this Agreement at 
any time, but termination by you or the Credit Union will not affect your ob-
ligation to pay the account balance plus any finance and other charges you 
owe  under  this  Agreement.  The  cards  you  receive  remain  the  property  of 
the Credit Union and you must recover and surrender to the Credit Union all 
cards upon request or upon termination of this Agreement whether by you 
or the Credit Union.
REPAYMENT  (EXCLUDING  VISA  BUSINESS  CARD  AND  VISA  EQUITY 
GOLD CARD):  You  promise to pay all amounts  due on your Account. You 
agree to pay us each month a Minimum Monthly Payment  plus any payment 
past  due  and/  or  any  Late  Charges.  The  Minimum    Monthly    Payment  on 
Classic, Gold, and Secured Visa Credit  Cards will be 3% of  the outstanding 
balance  or $25.00, whichever  is  greater.  You may at any time pay your 
total indebtedness without penalty. We  must  receive your payment and the 
remittance  stub (as applicable) on or before the Due Date, in accordance  
with statement  instructions, in order for your Account to be credited by the 
Due Date. All payments  shall be in U.S. dollars by a check drawn on or a 
money order issued by a U.S. financial institution, naming us as payee, or as 
otherwise authorized by the Credit Union. You must not send cash.
REPAYMENT VISA EQUITY GOLD CARD: The minimum monthly payment 
on the Visa Equity Gold Card will be the interest accrued for the billing cycle 
or $100, whichever is greater.
REPAYMENT  VISA  BUSINESS    CARD:  Visa  Business  Card  Minimum 
Monthly Payments  will be an amount equal to your entire outstanding bal-
ance shown on your statement.
ALLOCATION  OF  PAYMENTS:  We    will  determine,  subject  to  applicable 
law, the order in which payments  will be applied toward Purchases, Cash 
Advances, Balance Transfers, unpaid Interest Charges and Other Fees and 
Charges. We will credit payments  to your account so as to avoid additional 
Interest  or other charges, but we reserve the right to delay reinstatement  of 
your credit line for a reasonable  period of time to authenticate  settlement 
of funds.

PREPAYMENT OR IRREGULAR PAYMENTS: Though  you need only pay 
the Minimum Payment Due, you understand that you have the right to repay 
your Account at any time without penalty. You also understand and agree 
that you will only  be charged Interest Charges to the date you pay your en-
tire Account. You may make larger payments  without penalty and this may 
reduce the total amount of Interest Charges  that you will pay. Any partial 
payment of your Account will not advance your next Due Date(s). 
DEFAULT,  ACCELERATION  AND    COLLECTION  COSTS:  You  will  be  in 
default if you fail to make any minimum payment or other required payment 
by the date that it is due. You will be in default if you break any promise you 
make under this Agreement. You will be in default if you die, file for bankrupt-
cy or become insolvent, that is, unable to pay your obligations when they 
become due. You will be in default if you make any false or misleading state-
ments in any credit application or credit update. You will also be in default if 
something happens that the Credit Union believes may substantially reduce 
your ability to repay what you owe. When you are in default, the Credit Union 
has the right to immediately terminate this Agreement and require repayment 
of your outstanding account balance plus any interest and other charges you 
owe under this Agreement. At the Credit Union’s discretion, any shares that 
were given as security may be applied towards what you owe. To the extent 
permitted by law, you will also be required to pay the Credit Union’s collec-
tion expenses, including court costs and attorneys’ fees.
CLOSING YOUR ACCOUNT: You may close  your Account by notifying us in 
writing. We may close your Account or suspend  your credit privileges at any 
time without prior notice except as required by law for any legal reason. You 
will be responsible for all transactions made on the Account prior to closing, 
even if they  are  processed or posted after the date the Account is closed.
CROSS DEFAULT: You understand  and agree that your breach or default  
of the terms and conditions  of this Agreement  for your Card shall also be 
deemed to be a default of any and all other loans you now have with us or 
obtain  in  the  future  with  us.    Further,  you  understand  and  agree  that  your 
breach or default of the terms and conditions of any other loan you now have 
with us or obtain  in the future with us shall be deemed to be a default of the 
terms and conditions of the Agreement  for this Visa Credit  Card Account. 
This “Cross Default” Agreement  shall not apply to any loans secured by real 
property, property used as your dwelling or where otherwise prohibited by 
Federal or State Law or Regulation.
UNAUTHORIZED TRANSACTIONS:  If there is an unauthorized use of your 
Visa Credit Card or a Plus network or Interlink transaction, and the transac-
tion takes place on the VISA network, then your liability will be zero ($0.00). 
This provision limiting your liability does not apply to Visa Corporate Card 
Transactions, Visa Purchasing Card Transactions, Anonymous Visa Prepaid 
Card Transactions, ATM cash disbursements processed on non-Visa or non-
Plus  networks,  or  non-Visa  PIN-less  debit  transactions.  Additionally,  your 
liability with respect to unauthorized transactions may be greater than the 
above zero ($0.00) liability limit, to the extent allowed under applicable law, if 
the credit union reasonably determines, based on substantial evidence, that 
you were negligent or fraudulent in the handling of your account or card. In 
any case, to minimize your potential liability you should notify us of any un-
authorized use no later than 60 days after your statement was mailed to you.
“Unauthorized” means the use of your Visa Credit Card by a person, other 
than you, who does not have actual, implied or apparent  authority for such 
use and from which you receive no benefit.
ELECTRONIC FUND TRANSFER: In the event a use of your Card, or the 
Account constitutes an Electronic Fund Transfer, the terms and conditions 
of your Electronic Services  Disclosure and Agreement  with us shall gov-
ern such transactions to the extent the Electronic Services Disclosure and 
Agreement expands or amends this Agreement.
RESPONSIBILITY  OF  BORROWER:  You    agree  not  to  consummate  any 
consumer credit transaction under this Agreement upon knowing that credit  
privilege under  this  Account has   been terminated or suspended. You agree 
to pay all charges under the terms of this Agreement  and Disclosure  State-
ment (including all  Credit Purchases, Cash Advances, Interest Charges, Late 
Charges,  and  other  fees  if  any),    arising    from  the  use  of  the  Account  by 
you or any other person you permit to use the Account, even if that person 
exceeds your permission. Your obligation to pay the Account balance con-
tinues even though an agreement, divorce decree or other court judgment 
to which we are not a party may direct someone else to pay the Account 
balance. Any person who signs the Application, or uses the Account and/or 
Card is each individually responsible for all amounts owed on the account 
and all are jointly responsible for all amounts owed. This means the Credit 

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Union  can  enforce  this  Agreement  against  any  of  you  individually  or  all  of 
you collectively.
AUTHORIZED USERS  (EXCLUDING VISA BUSINESS  CARD): You may 
allow Authorized Users on your Account by notifying us that you want some-
one added to your Account as an Authorized User, or by lending your Card 
or Account Number to another, or by any other ways in which you would be 
legally considered  to have allowed another to use your Account. We reserve 
the right to approve or reject any such request in our discretion, and to re-
quire satisfactory proof of identification.

FOREIGN TRANSACTIONS  AND  CHARGES:  Foreign Transactions in 
Foreign Currency- Purchases and cash advances made in foreign curren-
cies will be billed to you in U.S. dollars. Transactions processed outside of 
the United States, or in a foreign currency may be charged a foreign trans-
action fee, regardless of whether there is a currency conversion associated 
with the transaction. The conversion rate in dollars will be a rate selected by 
VISA from a range of rates available in wholesale currency markets for the 
applicable Central Processing Date, which rate may vary from the rate VISA 
itself receives, or the government-mandated rate in effect for the applicable 
Central Processing Date in each instance, plus a one percentage point (1%) 
fee charged by the Issuer.
Foreign  Transactions  in  U.S.  Currency-  Purchases  and  cash  advances 
made in foreign countries will be billed to you in U.S. dollars. Transactions 
processed outside of the United States, in U.S. dollars, may be charged a 
foreign transaction fee of one percent (1%), regardless of whether there is a 
currency conversion associated with the transaction.
CREDIT BALANCES: Credit balances created by payments, credit adjust-
ments, and merchant  refunds,  will be transferred to the Savings Account of 
the Primary Cardholder.
OTHER CHARGES: The following Other Charges will be added to your ac-
count, as applicable:

a)    ANNUAL FEE: None
b)    LATE  PAYMENT  FEE  (EXCEPT  FOR  VISA  BUSINESS  CARD  AND 
VISA EQUITY GOLD CARD): $25 for the first late payment; $35 for 
every subsequent  late payment  in a six-month period.

c)    VISA  BUSINESS    CARD  LATE  PAYMENT  FEE:    If  your  payment  is 
more  than  60  days  late,  you  will  be  charged  1.00%  of  the  unpaid 
balance, subject to a minimum of $10.

d)  Visa Equity Gold Card late payment fee: If your payment is more than 
7 days late, you will be charged 7% of the loan payment as a late fee.
LOST  OR  STOLEN  CARDS   AND  CHECKS:     You will  notify   us AT   
ONCE if   you believe that  your Card, Convenience Check, Account number, 
or PIN has  been lost or stolen or if   you think your Account is  being used  
with out your permission,  by immediately  calling us  at  (800) 634-6632, 24 
hours a day, 7 days a week.
PAYMENTS   MARKED  “PAID  IN FULL”: We may accept checks, money 
orders, or other types of payment  marked  “payment  in full”  or use other 
language to indicate  full satisfaction   of any indebtedness, without being 
bound  by  such  language  or  waiving  any  rights  under  this  Agreement.  Full 
satisfaction of indebtedness  shall be accepted by us only in a written agree-
ment,  signed by an authorized representative.
DELAY  IN  ENFORCEMENT   /  ENFORCEABILITY:   We can delay enforc-
ing any of our rights under this Agreement  without losing them. If any terms 
of this Agreement are found to be unenforceable,  all other provisions will 
remain  in full force.
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 shall not be applied   
if they would result in the application  of non-California  law. If any part of this 
Agreement is held to be not valid, all other  parts  will remain enforceable.
INTEGRATED  DOCUMENT(S):  The“Visa  Credit  Card  Acceptance  Letter,”  
“Visa  Business  Card  Acceptance  Letter,”    “Visa  Credit    Card  Agreement,” 
“Share  Secured  Credit  Card  Agreement,”    the  Visa    Credit    Limit  Increase 
Agreement, and/or the Home Equity Credit Plan Agreement Early Disclosure 
for the Equity Advantage and the Home Equity Line of Credit Agreement and 
Disclosure Statement  delivered to you by the Credit Union together with  this 
Agreement is deemed an integrated part of  this Agreement.

TELEPHONE MONITORING: We may  listen  to and record telephone calls 
between you and us to monitor and improve the quality of service you re-
ceive.
CHANGE OF PERSONAL INFORMATION: You must  notify us immediately  
if you change your name, address, or home or business telephone number. 
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 in our records.
MEMBER  ADVANTAGE  POINTS  PROGRAM  (FOR  VISA  GOLD  AND 
VISA  BUSINESS    CARDS  ONLY):  The  Credit  Union  may  offer  a  program 
by which members  accumulate  points for dollars purchased.  Points may 
be redeemed for selected merchandise,  travel, gift cards and/or cash back. 
Such program will be subject to a separate terms and conditions that will 
be provided to you, if applicable. We have the right to alter/terminate this 
program at any time.
MERCHANT DISPUTES:  The Credit Union is not responsible  for the refusal 
of any merchant or financial institution to honor the Card. The Credit Union is 
subject to claims and defenses (other than tort claims) arising out of goods 
or services you purchase with the card if you have made a good faith attempt 
but  have  been  unable  to  obtain  satisfaction  from  the  merchant  or  service 
provider, and: (a) your purchase was made in response to an advertisement 
the Credit Union sent or participated in sending to you; or (b) your purchase 
cost more than $50.00 and was made in your state or within one hundred 
(100) miles of your home.
TRANSFER   OF  ACCOUNT:  You cannot transfer or assign your Account 
to any other person.
TRANSACTIONS WITH MERCHANTS / RETURN POLICY: If a merchant 
discloses  a  policy  such  as  “no  returns”,  “no  refund”,  “no  return    or  credit 
without receipt”, “as is”, “store  credit only”, or “all sales final”, you will be 
bound by that policy when you use your Account to buy goods or services 
from  that  merchant.  Merchants  and  others  who  honor  the  card  may  give 
credit for returns or adjustments, and they will do so by sending the Credit 
Union a credit slip which will be posted to your account. If your credits and 
payments exceed what you owe the Credit Union, we will hold and apply the 
credit amount against future purchases and cash advances for 60 days. After 
60 days, any credit balance remaining on your account will be transferred to 
your main share (savings) account. To receive a refund earlier, write to us at
Honda Federal Credit Union
19701 Hamilton Ave.
Suite #130
Torrance, CA 90502
RESERVATIONS: When using  your Account to make travel or lodging reser-
vations, obtain the merchant’s  cancellation  policy and follow it if you cancel. 
If you cancel, obtain the merchant’s cancellation number that it  is required 
to give you. The merchant may charge you for a cancelled transaction unless 
you can provide us with the merchant’s cancellation.
RECURRING TRANSACTIONS: If you authorize a merchant to charge your 
Account for repeat transactions  without your Card, you must notify the mer-
chant  when  you  want  to  discontinue  the  recurring  transactions  or  if  your  
Account  is closed or a new Account number is issued by us.
MILITARY LENDING ACT; SEVERABILTY: Notwithstanding anything to the 
contrary herein or any other agreement between the Credit Union and you, 
nothing shall require a “covered borrower” under the Military Lending Act to 
submit any claim arising out of the Agreement to arbitration or impose on 
such borrower additional notice requirements beyond those imposed by, or 
result in the waiver of legal recourse existing under, applicable law.
PLEDGE  OF  SHARE  ACCOUNT(S)—NOTE  (EXCLUDING  VISA  EQUITY 
GOLD CARD): In consideration of and as a condition for the Credit Union 
opening  a  Visa  Credit  Card  account  in  your  name  and  issuing  a  Visa 
Credit Card to you, you have agreed to a Pledge of Shares. You pledge 
to  us  and  grant  a  security  interest  in  all  individual  and  joint  accounts 
you have with us now and in the future, to secure your Visa Credit Card 
Account  and all payments,  interest, late charges and costs or expenses 
hereunder.  You  authorize  us  to  apply  the  balance  in  these  account(s) 
to  pay  any  amounts  due  under  this  Agreement    if  you  should  default. 
This Pledge of Shares does not apply to shares held in IRA and Keogh  
accounts.

SHARE  SECURED CLASSIC VISA:  As collateral  for  amounts you may 
request to be advanced from time to time pursuant to this Visa Credit Card 
Disclosure and Agreement, you pledge and grant to the Credit Union a lien 
on  your  designated    Share  Account,  as  indicated  on  the  “Share  Secured 
Credit Card Agreement,” in an amount sufficient to secure up to 100% of 
your  maximum  credit  limit.    If    you  are  in    default  under  this  Agreement, 
the Credit Union may take sums from the designated Share  Account and  
Spouse/Joint Applicant  Share Account  (if applicable)   as set forth on the 
Share Secured Credit Card Agreement as payment on any amounts owed 
to the Credit Union by you. If the amounts pledged are not sufficient to pay 
all  amounts  owed  to  the  Credit  Union  in  full,  you  agree  and  acknowledge 
that you will be responsible  for any and all deficiencies,  including any fees, 
charges and costs, including without limitation reasonable attorney fees and 
costs which may have been incurred by the Credit Union as a result of your 
default.
YOUR  BILLING RIGHTS  – KEEP  THIS DOCUMENT FOR FUTURE USE
This notice tells you about your rights and our responsibilities under the
Fair Credit Billing Act.
WHAT TO DO  IF YOU FIND A  MISTAKE ON  YOUR  STATEMENT If you 
think  there  is  an  error  on  your  statement,    write  to  us  at:  Honda  Federal  
Credit Union, 19701 Hamilton Ave., Suite 130, Torrance,  CA 90502-1352. 
You may also contact us on the web: www.hondafcu.org.
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, de-
scribe what you believe is wrong and why you believe   it is a mistake.

You must contact us:

•  Within 60 days after the error appeared on your statement.
•  At least 3 business days before an automated payment is scheduled, if  

you want to stop payment on the amount you think  is wrong.
You must notify us of any potential errors in writing or electronically. You may 
call us, but if you do we are not required to investigate any potential errors 
and you may have to pay the amount in question.
WHAT WILL HAPPEN  AFTER WE RECEIVE YOUR LETTER
When we receive your letter, we must do two things:

1.  Within 30 days of receiving your letter, we must tell you that we re-
ceived 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 investi-
gate whether or not there has been an error:
•  We cannot try to collect the amount in question, or report you as 

delinquent on that amount.

•  The charge in question  may remain on your statement, and we may 

continue to charge you interest on that amount.

•  While you do not have to pay the amount in question, you are re-

sponsible  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:

1.  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.

2.  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
2.  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.)

3.  You  must  have  used  your  credit  card  for  the  purchase.  Purchases 
made with  cash advances from an ATM  or with  a check that access-
es your credit card account do not qualify.

4.  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   or   electronically   at: Honda Federal 
Credit Union, 19701 Hamilton  Ave., Suite 130, Torrance, CA  90502-1352.   
You may also contact us on the web: www.hondafcu.org.  While we inves-
tigate, the same rules apply to the disputed amount as discussed  above. 
After we finish our investigation, we will tell you our decision.  At that point, 
if we think  you  owe  an amount and you do not pay, we may report you as 
delinquent.

(800) 634-6632 www.hondafcu.org
19701  Hamilton Ave., Suite  130
Torrance, California 90502-1352

VISA 
CREDIT CARD 
DISCLOSURE AND 
AGREEMENT

PLEASE KEEP THIS 
BROCHURE FOR YOUR 
RECORDS 

THIS DISCLOSURE SUPERSEDES 

ALL DISCLOSURES PRIOR  TO THE 

EFFECTIVE  DATE SHOWN BELOW

EFFECTIVE  APRIL 2019

6

7

8

REV. 4/24/2019

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