ADDENDUM TO CLASSIC VISA � CREDIT CARDAGREEMENT & FEDERAL TRUTH-IN-LENDINGDISCLOSURE STATEMENT
Retain for your records
C-678D (11/19) 1001549 PAGE 1Interest Rates &Interest ChargesClassic
Annual Percentage Rate(APR) for Purchases 0.00%  introductory APR for six months. After that, my APR will be 17.90%
APR for Cash Advances 0.00%  introductory APR for six months. After that, my APR will be 17.90%
APR for Balance Transfers 0.00%  introductory APR for six months. After that, my APR will be 17.90%
Penalty APR and When it  
Applies17.90%
 This APR may be applied to my account if I:  1) Make a late payment, or  2) 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.
Paying Interest 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. You will begin charging interest on cash advances on the transaction date.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
 
http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees � Balance Transfers � Cash Advance � Foreign TransactionsNoneEither 
$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
Penalty Fees � Late Payment � Returned Payment
$15.00$25.00
How You Will Calculate My Balance: You will 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. C-678D (11/19) 1001549 PAGE 2As of June 1, 2014, the non-variable Monthly Periodic Rate for purchases, balance transfers, and cash advances in effect for your Classic VISA
� Credit Card is 1.4917% with a corresponding ANNUAL PERCENTAGE RATE of 
17.90% . NOTE: Recently opened Classic VISA
� Credit Card Accounts continue to be subject to the introductory Monthly Periodic Rate of 
0.00%  with a corresponding ANNUAL PERCENTAGE RATE of 
0.00%  as disclosed in the Classic VISA� Credit Card Account Agreement and Federal Disclosure Statement during the first six (6) monthly billing cycles after the account is established. Thereafter, the ANNUAL PERCENTAGE  RATE will convert to the non-variable rate disclosed above.ADDENDUM TO CLASSIC VISA � CREDIT CARDAGREEMENT & FEDERAL TRUTH-IN-LENDINGDISCLOSURE STATEMENT
Retain for your records
LOS ANGELES POLICE FEDERAL CREDIT UNIONSCHEDULE OF FEES
EFFECTIVE JUNE 1, 2014
CLASSIC VISA� CREDIT CARD ACCOUNTS
Annual Fee............................................................................................................................... None Late Payment Fee ................................................................................................................. $15.00 CLASSIC VISA
� Credit Card Loan Check stop payment (per item) .......................................... $20.00 CLASSIC VISA
� Credit Card Returned Payment Fee (per item) ...............................................$25.00 CLASSIC VISA
� Credit Card Statement copy (per copy) ........................................................... $5.00 Thank you for being partners in a proud tradition
sm.