I002206 F-678AA (4/18)ADDENDUM TO PLATINUM REWARDS VISA � CREDIT CARDAGREEMENT & FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT
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Page 1Annual Percentage Rate (APR) for Purchases
APR for Cash Advances
 
APR for Balance Transfers   
Penalty APR and When it Applies
Paying Interest Interest Rates and Interest Charges Platinum
0.00% introductory APR for six months.   
After that, my APR will be  8.65%.  This APR will vary with the market based on the Prime Rate.
0.00%  introductory APR for six months.After that, my APR will be 8.65%.   This APR will vary with the market based on the Prime Rate.
0.00%  introductory APR for six months.After that, my APR will be 8.65% .  This APR will vary with the market based on the Prime Rate.
17.90% 
This APR may be applied to my account if I:1)Make a late payment; or2)Make a payment that is returned.How Long Will the Penalty APR Apply?  If my  APR is increased for any of these reasons, the Penalty APR will apply until I make six consecutive minimum payments when due.My due date is at least 25 days after the close of each billing cycle.  You will not charge me interest on purchases or balance transfers if I pay my entire balance by the due date each month.  Y ou will begin charging interest on cash advances on the transaction date.
Fees
Annual FeeTransaction Fees
� Balance Transfers
� Cash Advance
� Foreign TransactionsPenalty Fees
� Late Payment
� Returned PaymentNoneEither $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00). 1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars$15.00  $25.00None
How You Will Calculate My Balance:  You use a method called �average daily balance (including new purchases).�  I must see my account agreement for more details.Loss of Introductory APR:  You may end my introductory APR and apply the Penalty APR if I make a late payment.Billing Rights:  Information on my rights to dispute transactions and how to exercise those rights is provided in my account agreement.  To learn more about factors when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at For Credit Card Tips from the Consumer FinancialProtection Bureau
P-678AA (10/18)P-678AA (07/20)8.40%8.40%8.40% ADDENDUM TO PLATINUM REWARDS VISA � CREDIT CARDAGREEMENT & FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT
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LOS ANGELES POLICE FEDERAL CREDIT UNIONSCHEDULE OF FEES
EFFECTIVE APRIL 1, 2016PLATINUM REWARDS VISA
� CREDIT CARD ACCOUNTSAnnual Fee .................................................................................................................................... None Late Payment Fee ......................................................................................................................... $15.00 PLATINUM REWARDS VISA
� Credit Card Loan Check stop payment (per item) ........................ $20.00 PLATINUM REWARDS VISA
� Credit Card Returned Payment Fee (per item) ............................ $25.00 PLATINUM REWARDS VISA
� Credit Card Statement copy (per copy) ......................................... $5.00Law Enforcement�s Premier Credit Union Since 1936
I002206 Page 2 P-678AA (10/18)As of October 1, 2018, the variable ANNUAL PERCENTAGE RATE (APR) for purchases, balance transfers, and cash advances is the U.S. Prime Rate plus a margin of 3.65%. The Monthly Periodic Rate in effect for your Platinum Rewards VISA
� Credit Card is 0.7208% with a corresponding APR of 8.65%. NOTE: Recently opened Platinum Rewards VISA
� Credit Card Accounts continue to be subject to the introductory Monthly Periodic Rate of 0.00% with a corresponding APR of 0.00% as disclosed in the Platinum Rewards VISA
� Credit Card Account Agreement and Federal Disclosure Statement during the first six (6) monthly billing cycles after the account is established. Thereafter, the APR will convert to a variable rate.
P-678AA (07/20)8.40%5.15%. July 1, 2020,
EFFECTIVE APRIL 1, 20160.7000%