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 organizations 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.
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 necessary 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.

FORM L-560 06/14 

00582761

Platinum Rewards 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

11

16150 SHERMAN WAY, VAN NUYS, CA 91406
PHONE (877) 695-2732 FAX (818) 787-3273
www.lapfcu.org 

In  this  Platinum  Rewards  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  Platinum  Rewards  VISA  Credit 
Card(s)  issued  to  me  and  any  duplicates  and/or  renewals  you  may 
issue. “Account” means my Platinum Rewards VISA Credit Card Ac-
count 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. 

NOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A VARI-
ABLE ANNUAL PERCENTAGE RATE. 
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 Ac-
count. I will be obligated to pay all such Purchases, Cash Advances 
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 pre-
senting  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 institu-
tion 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 payment 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 understand 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 effec-
tive 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 information 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 for Cash Advances, Balance Trans-

NOTICE: See the statement below for important information regarding 
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  institu-
tion. Use of the Checks is a Cash Advance or a Balance Transfer 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 suspend-
ed, 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 effect 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 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 un-
der 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 
website, 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 potential 
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 re-
ceived my letter. You will also tell me if you have already corrected
the error.

1

10

I am outside of 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  resulting  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, with-
out  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 representative 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 con-
trolling federal law. I also understand and agree that California’s choice 
of law rules shall not be applied if they would result in the application 
of non-California law. 
INTEGRATED DOCUMENT(S): Any separate sheet of paper labeled 
“Addendum to the Platinum Rewards VISA Credit Card Agreement and 
Federal Truth in Lending Disclosure Statement” which is delivered to-
gether with this form is an integral part of the Agreement and is incor-
porated 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 Purchases, 
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. 
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 au-
thorized by law. I understand that you may provide information 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 security 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 Agreement 
and agree to its terms. This Agreement is the contract which applies 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. 

fers and Purchases: The initial Monthly Periodic Rate used in calculat-
ing the Monthly Periodic INTEREST CHARGE is a discounted Month-
ly  Periodic  Rate  with  an  initial  discounted  ANNUAL  PERCENTAGE 
RATE as disclosed on the enclosed “Addendum to Platinum Rewards 
VISA  Credit  Card Agreement  &  Federal  Truth-in-Lending  Disclosure 
Statement” (“Addendum”) which accompanies this Agreement and is 
incorporated  herein  by  this  reference  as  though  set  forth  in  full. The 
initial  discounted  Monthly  Periodic  Rate  will  remain  in  effect  during 
my first six (6) monthly billing cycles, unless I fail to make a payment 
when due or I make a payment that is returned (for further information, 
please refer to the PENALTY ANNUAL PERCENTAGE RATE section 
below). Thereafter, the Monthly Periodic Rate used in calculating the 
Monthly  Periodic  INTEREST  CHARGE  for  Balance  Transfers,  Cash 
Advances  and  Purchases  is  based  upon  the  Prime  Rate  rounded  to 
the  nearest  1/100  of  1%  as  published  in  the  “Money  Rates”  section 
of the print edition of the Wall Street Journal as of March 1, June 1, 
September  1  and  December  1  of  each  year  (the  “Index”).  Following 
the discounted period, my ANNUAL PERCENTAGE RATE for Cash 
Advances, Purchases and Balance Transfers, is determined by add-
ing a Margin to the Index in effect as of the first (1st) day of the month 
preceding the month of my “Adjustment Date” (defined below). The In-
dex, Margin and Initial Monthly Periodic Rate in effect as of the date of 
this Agreement that would have been used in calculating the monthly 
Periodic  INTEREST  CHARGE  (applying  the  formula  below)  and  the 
corresponding initial ANNUAL PERCENTAGE RATE is also set forth 
in the enclosed Addendum. 
Following the discounted period described above, my ANNUAL PER-
CENTAGE RATE may increase or decrease every quarter. Any such 
change will be based on an increase or decrease in the Index as set 
forth herein. In the event that the Prime Rate ceases to be published, 
changes  in  the  ANNUAL  PERCENTAGE  RATE  will  be  related  to  a 
comparable Index. You may waive an increase in the ANNUAL PER-
CENTAGE  RATE  when  such  an  increase  can  be  made,  but  such  a 
waiver  shall  not  be  construed  as  a  waiver  of  your  right  to  increase 
the ANNUAL PERCENTAGE RATE at a future date when entitled to 
do so. 
Following the discounted period, my ANNUAL PERCENTAGE RATE 
is  subject  to  change  quarterly  on  the  first  day  of  the  monthly  billing 
cycle in January, April, July, and October. These dates shall be known 
as  “Adjustment  Dates.”  For  example,  the  Index  in  effect  on  March  1 
shall be used to calculate the ANNUAL PERCENTAGE RATE change 
effective as of the first day of the next billing cycle in April of the same 
year. The Index in effect on June 1 shall be used to calculate the AN-
NUAL  PERCENTAGE  RATE  change  effective  as  of  the  first  day  of 
the next billing cycle in July of the same year. The Index in effect on 
September 1 shall be used to calculate the ANNUAL PERCENTAGE 
RATE  change  effective  as  of  the  first  day  of  the  next  billing  cycle  in 
October of the same year. The Index in effect on December 1 shall be 
used to calculate the ANNUAL PERCENTAGE RATE change effective 
as of the first day of the next billing cycle in January of the following 
year. 
There is no maximum ANNUAL PERCENTAGE RATE during the term 
of this Agreement, except that the maximum may not exceed the maxi-
mum ANNUAL PERCENTAGE RATE permitted federal credit unions 
at the time of each ANNUAL PERCENTAGE RATE change. The mini-
mum  ANNUAL  PERCENTAGE  RATE  during  the  term  of  this Agree-
ment is 5.90%. There are no annual (or other) limitations on changes in 
the ANNUAL PERCENTAGE RATE during the term of this Agreement. 
Decreases in the ANNUAL PERCENTAGE RATE in accordance with 
the terms of this Agreement are mandatory. Increases in the ANNUAL 
PERCENTAGE RATE in accordance with the terms of this Agreement 
are at your discretion. Any increase or decrease in the ANNUAL PER-
CENTAGE RATE will result in changes in the amount and/or number 
of payments required to repay the unpaid balance. Each change in the 
ANNUAL PERCENTAGE RATE and Monthly Periodic Rate will apply 
to  any  outstanding  balance  on  the  effective  date  of  such  change  as 
well as to future Purchases, Cash Advances and Balance Transfers. 
Written notice of a change in the Index and ANNUAL PERCENTAGE 
RATE will be provided to me on my billing statement prior to the bill-

9

2

ing cycle in which the new Index and ANNUAL PERCENTAGE RATE 
will apply. 
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  to  the  Monthly  Periodic  Rate.  The  Monthly 
Periodic Rate is determined by dividing the ANNUAL PERCENTAGE 
RATE  by  12  and  will  change  when  the  ANNUAL  PERCENTAGE 
RATE changes. 
Periodic INTEREST CHARGES will be imposed on credit Purchases 
and Balance Transfers only if they are not paid in full within twenty-five 
(25) days after the Statement Closing Date (“Grace Period”). To the ex-
tent that the credit Purchase or balance transfer balance is not subject 
to a Grace Period, a periodic INTEREST CHARGE will be calculated 
on credit Purchases and balance transfers 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.  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. The  above 
INTEREST CHARGES and other FINANCE CHARGES for the billing 
cycle will be shown on my periodic statement. 
MINIMUM  INTEREST  CHARGE:  A  minimum  INTEREST  CHARGE 
of  $0.50  will  be  assessed  whenever  a  monthly  Periodic  INTEREST 
CHARGE is imposed. 
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. I understand 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 bill-
ing cycle, but not to exceed $25.00 per Cash Advance. In addition, 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) during 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 posted to 
the Account during the billing cycle. International Purchases, Cash Ad-
vances, 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.
PENALTY ANNUAL PERCENTAGE RATE: A penalty ANNUAL PER-
CENTAGE  RATE  of  17.9%  (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 subject to the pen-
alty ANNUAL PERCENTAGE RATE. Generally, the penalty ANNUAL 
PERCENTAGE RATE will apply to any transactions that occur more 
than  fourteen  (14)  days  after  you  provide  notice  of  the  penalty  AN-
NUAL PERCENTAGE RATE to me and my ANNUAL PERCENTAGE 
RATE will revert to the applicable “standard” ANNUAL PERCENTAGE 
RATE provided for in this Agreement, provided that I make six (6) con-
secutive Minimum Monthly Payments when due beginning with the first 
(1st) payment due after the effective date of the increase.

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 inter-
national transactions is a rate selected by VISA from the range of rates 
available in wholesale currency markets for the applicable central pro-
cessing 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 responsible 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, although 
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 respon-
sible with me for charges he or she makes, but if that person signs the 
Card he or she becomes a party to this Agreement and is also respon-
sible for all charges on the Account, including mine. The Cards remain 
your property and I must recover and surrender 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 photocopies or 
slips I request. 
PLAN  MERCHANT  DISPUTES:  You  are  not  responsible  for  the  re-
fusal of any plan merchant or financial institution or electronic terminal 
to honor the Account and/or Card. You are subject to claims and de-
fenses (other than tort claims) arising out of goods or services I pur-
chase 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 pos-
sible unauthorized use of my Card, I should write to you immediately 
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 unauthorized 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. Operating 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 Card(s) you have issued 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 

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CHARGES,  Late  Payment  Fees,  and  your  collection  costs,  reason-
able  attorneys’  fees,  and  court  costs  (collectively  “collection-related 
charges”), and all other fees and charges hereunder. I understand 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, rea-
sonable 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 ex-
tent 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  mer-
chant, to you or to another financial institution that accepts Platinum 
Rewards VISA Credit Cards and sign or authorize a sales or Cash Ad-
vance draft. Certain Purchases, Cash Advances and Balance Trans-
fers  will  require  an  authorization  prior  to  completion  of  the  transac-
tion. 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  Ma-
chine (“ATM”) that accepts my Card or other type of electronic terminal 
that provides access to the VISA system. (Not all ATMs accept Plati-
num Rewards 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 ac-
cess will be treated as Cash Advances. Advances at authorized ATMs 
are limited to a total of $1,000.00 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.
If your authorized system is not working, I may not be able to authorize 
a transaction, even if I have sufficient available credit. Occasionally 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  Inter-
net 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 commerce transaction 
conducted over an open network, and any betting transaction includ-
ing 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 
responsible for such charges. 
FOREIGN TRANSACTIONS: Purchases, Cash Advances and credits 
made  in  foreign  currencies  will  be  billed  to  my Account  in  U.S.  dol-
lars. 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  without  a 
currency conversion) or 1% currency exchange fee for multi-currency 
international  transactions  (transactions  made  internationally  that  re-
quire a currency conversion), which is added to the amount of the Pur-
chase,  Cash Advance,  or  credit  and  retained  by  VISA. Transactions 
conducted in U.S. military bases, territories, embassies, or consulates 

However, if I fail to make a Minimum Monthly Payment within sixty (60) 
days  after  its  Payment  Due  Date,  the  penalty  ANNUAL  PERCENT-
AGE RATE will apply to all outstanding balances and future transac-
tions. In such event, my ANNUAL PERCENTAGE RATE will cease ap-
plying to transactions that occurred prior to or within fourteen (14) days 
of  provision  of  the  notice  and  will  revert  to  the  applicable  “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 effective 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 INTEREST 
CHARGES ARE ASSESSED: 
Average Daily Balance (including current Cash Advance transactions): 
You figure a portion of the INTEREST CHARGE on my Account by ap-
plying 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 cred-
its, and unpaid INTEREST CHARGES and other FINANCE CHARG-
ES. This  gives  you  the  daily  balance  of  Cash Advance  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 bill-
ing 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 Advances.
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 apply-
ing the Purchase Monthly Periodic Rate to the Average Daily Balance 
of Credit Purchases (including current Purchase transactions). To get 
the Average Daily Balance of Purchase transactions you take the be-
ginning  balance  of  Purchase  transactions  on  my Account  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 transactions. Then, you add 
up all the daily balances of Purchase 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 Purchase 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 periodic 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 Account 
by applying the Balance Transfer Monthly Periodic Rate to the Average 
Daily Balance of Balance Transfers (including current Balance Trans-
fers). To get the Average Daily Balance of Balance Transfer transac-
tions you take the beginning balance of Balance Transfer transactions 
on  my  Account  each  day,  add  any  new  Balance  Transfer  transac-
tions,  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 

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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 periodic 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 pe-
riodic statement. The combination of periodic INTEREST CHARGES, 
Cash Advance Fee and Foreign Transactions Fee, will not exceed the 
ANNUAL PERCENTAGE RATE permitted under applicable law.
CREDIT LIMIT: You will establish a Credit Limit for me. At your discre-
tion, you may increase or decrease my Credit Limit at any time, and 
may provide separate limits for Purchases, Cash Advances and Bal-
ance Transfers. You will notify me if you do, either by mail or through 
my periodic statement. If I object to any Credit Limit increase, I must 
notify you immediately in writing. Upon receipt of such notice, my Cred-
it 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 af-
fect 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 ap-
plicant for the Account may request a change to the Credit Limit orally, 
in writing, or electronically, but any such request 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  fre-
quently, pay more, or pay the Account Balance in full, and I will reduce 
my periodic FINANCE CHARGE by doing so. The Minimum Monthly 
Payment will be either: (a) 2% of my Account Balance, or $20, which-
ever is greater; or (b) my Account Balance, if it is less than $20. In ad-
dition, I must pay any amount on my periodic statement listed as past 
due and any late charge. At any time my Account Balance 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 FINANCE CHARGE due on both Purchases, 
Cash Advances  and  Balance  Transfers;  (c)  outstanding  balances  of 
Cash Advances, Balance Transfers and Purchases previously billed; 
and  (d)  current  Cash Advances,  Balance  Transfers  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 excess 
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 
Returned 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 per-
son 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 approval, 
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 Ac-
count. 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  Payments  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 repayment 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 designated 
account  to  make  the  scheduled  payment.  Should  this  event  occur,  I 
understand and agree that I will not be released from making the pay-
ment. 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 ap-
plication; (3) I fail to live up to any of the terms of this Agreement; (4) 
my creditworthiness is impaired; or (5) I die, become insolvent 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,  including 
INTEREST CHARGES, TRANSACTION FEES, and other FINANCE 

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