Visa Credit Card 
Agreement

INTRODUCTION.

1. 
This  VISA  Credit  Card  Agreement  (Agreement)  and  the  Account 
Disclosures accompanying this Agreement will govern your Platinum 
VISA  or  Platinum  VISA  with  Rewards  Credit  Card  and  account 
issued  by  OnPoint  Community  Credit  Union.    In  this  Agreement 
the words “you,” “your,” “yours,” “applicant,” and “Borrowers” mean 
any  person  who  signs  the  application  for  this  Account,  any  joint 
obligor,  guarantor,  authorized  user,  or  the  person  whose  name 
is embossed on the Card.  The words “we,”  “our,” and  “OnPoint” 
means OnPoint Community Credit Union.  The word “Card” means 
any one or more credit cards issued under OnPoint’s Platinum and 
Platinum VISA with Rewards Card program.  If you sign a written 
or online application for this Account or sign or use any Card 
or  PIN,  or  allow  others  to  use  the  Card  or  PIN,  you  and  they 
will  have  accepted  this  Agreement  just  as  if  you  and  they 
signed it, and you and they, jointly and severally, will be bound 
by  the  following  terms  and  conditions  which  will  govern  this 
Account.

ACCOUNT ACCESS.
Purchases  and  Cash Advances.

2. 
    You  must  sign  the  Card 
A. 
to use it.  Once you have signed the Card, you can use it to make 
purchase,  cash  advance  and  balance  transfer  transactions  up  to 
the full amount of your credit line.  You may use your Account to get 
cash advances from OnPoint.  You may also use your Card to get a 
cash advance from participating financial institutions or automated 

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teller  machines  (ATMs).    You  may  use  your  Card  to  purchase 
goods and services any place your Card is honored by participating 
merchants.  No purchase amount may exceed the available funds 
in your account.  Only credit card balance transfers you make from 
another institution will be permitted and treated as a cash advance.  
OnPoint reserves the right to refuse any transaction that would draw 
upon insufficient funds.

VISA  Convenience  Checks.

    If  we  approve,  you  may 
B. 
obtain  advances  under  your  Account  by  writing  preprinted  VISA 
convenience loan checks that we supply to you.  Your use of loan 
checks will be shown as cash advances on your monthly statement.  
We  may  not  honor  your  loan  check  if:    your  check  is  post-dated; 
payment  of  the  check  would  exceed  your  Credit  Limit;  a  check  is 
signed  by  a  person  without  authorized  access;  the  amount  of  the 
check is less than the minimum required amount; your Account has 
been  terminated  or  suspended,  or  any  drafts  have  been  reported 
lost or stolen.  You may stop payment on a loan check if you provide 
OnPoint  with  the  exact  information  describing  the  check.    If  you 
give  OnPoint  incorrect  information,  we  will  not  be  responsible  for 
failing  to  stop  payment.    You  understand  there  may  be  a  charge 
for each stop payment order requested.  Our liability for a wrongful 
dishonor  is  limited  to  your  actual  charges,  however,  a  dishonor 
for the reasons stated above is not a wrongful dishonor.  Only the 
person  whose  name  is  printed  on  a  convenience  check  may  sign 
it.    All  convenience  checks  must  be  written  in  U.S.  dollars.    We 
will not certify a convenience check.  You may write these checks 
for  any  amount  providing  your  total  outstanding  balance  does  not 
exceed  your  available  credit  limit  and  your  credit  card  remains  in 
good  standing.    We  are  entitled  to  return  it  unpaid  if  there  is  not 
enough  available  credit  on  your  account  to  pay  it,  if  you  are  in 
default  under  this Agreement,  if  your  card  or  convenience  checks 
have  been  reported  lost  or  stolen,  or  if  the  convenience  check  is 
post-dated.  Over-limit fees will be charged as applicable.  A VISA 
convenience  check  may  not  be  used  to  make  a  payment  on  your 
Account.  OnPoint shall have no liability for any convenience check 
returned in excess of your credit line. 

Overdraft Advances.

 In the event we have approved overdraft 
C. 
protection  for  you,  for  any  overdrafts  on  a  savings  or  checking 
account of yours, we will treat the overdraft as a request for a cash 
advance on your credit line and we will transfer this amount to your 
overdrawn  account.  For  purposes  of  this Agreement,  an  overdraft 
advance will be treated as a cash advance.

YOU PROMISE TO PAY.

3. 
You  promise  to  pay  OnPoint  all  such  amounts,  plus  any  Interest 
Charges,  which  arise  from  use  of  the  Card  or Account  by  you  or 
any other person, and to be jointly and severally liable with such a 
person, unless such other person does not have actual, implied, or 
apparent authority for such use, and you received no benefit from 
the use.  You promise to pay OnPoint either by direct payment or by 
automatic transfers from savings or checking.

CREDIT LINE.

4. 
This  Agreement  will  constitute  a  revolving  line  of  credit  for  an 
amount, which will be the credit line under your Account.  You may 

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access your credit line through Card purchases, cash advances at 
participating merchants and loan checks.  We will advise you of the 
amount of your credit line on your statement.  That amount will be 
the maximum amount you may have outstanding at any one time.  
You agree not to attempt to obtain more credit than the amount of 
your  credit  line.  We  retain  the  right  to  increase  or  decrease  your 
credit line at any time for any reason.  Any increase or reduction on 
the limit of your credit line will be shown on your monthly statement 
or by separate notice together with any changes in the applicable 
minimum  monthly  payments.    Your  eligibility  for  this  credit  line  is 
determined  by  our  loan  policy  and  may  be  terminated  at  our  sole 
discretion, without demand or notice.  You may close your credit line 
at any time by notifying OnPoint in writing and returning all Cards 
cut  in  half.    If  you  terminate  this Agreement  or  if  we  terminate  or 
suspend  your  credit  privileges,  the  provisions  of  this  Agreement 
and your liability hereunder shall otherwise remain in full force and 
effect until you have paid OnPoint all sums due OnPoint under this 
Agreement and returned all Cards.

MINIMUM MONTHLY PAYMENT.

5. 
You agree that you will pay each month not less than the minimum 
monthly payment on or before the scheduled monthly due date. The 
minimum monthly payment will be 3% of your outstanding balance 
(“New Balance”) or $10.00, whichever is greater. If your outstanding 
balance is $10.00 or less, you agree to pay the balance in full. The 
total  minimum  payment  due  each  month  is  the  minimum  monthly 
payment,  any  amounts  past  due  and  any  overlimit  amounts.  You 
may  pay  in  full  for  all  your  purchases  and  cash  advances  each 
month, or you may repay in monthly installments. We can accept late 
payments or partial payments, or checks, drafts, or money orders 
marked “payment in full” without prejudice to our rights under this 
Agreement,  which  are  hereby  explicitly  reserved. A  credit  posting 
from  a  merchant  or  reversal  of  fees  do  not  constitute  a  minimum 
monthly  payment.  Your  payments  may  be  allocated  at  the  Credit 
Union’s discretion to pay off lower rate balances, such as promotional 
offers,  before  higher  rate  balances,  such  as  cash  advances  or 
purchases.    Payments  in  excess  of  the  minimum  payment  will  be 
allocated first to higher rate balances, as applicable. From time to 
time, we may allow you to skip your minimum monthly payment due. 
If you choose to skip that payment, Interest Charges will continue 
to accrue in accordance with this Agreement.  Payments received 
at:  OnPoint  Community  Credit  Union,  PO  Box  31112,  Tampa,  FL 
33631-3279  at  or  before  5:00  PM  Eastern  Time  on  any  business 
day  will  be  credited  to  your  Account  as  of  that  date;  payments 
received  by  mail  at  that  address  after  5:00  PM  Eastern  Time,  on 
a weekend or federal holiday will be posted to your Account as of 
the next business day. Payment crediting to your Account may be 
delayed up to five days if your payment is received by mail at any 
other address or not accompanied by the remittance portion of your 
Account statement.

SECURITY INTEREST.

6. 
You  grant  OnPoint  a  security  interest  under  the  Oregon  Uniform 
Commercial  Code  in  any  goods  purchased  with  your  Card.    You 
agree  that  all  collateral  you  have  given  OnPoint  to  secure 
other  open-end  consumer  loan  obligations  (except  dwelling-
secured  loans),  in  the  past  and  in  the  future,  will  secure 

3

your obligations under this Agreement.  In addition, by signing 
the  Card  Application,  you  have  given  OnPoint  a  security  interest 
in  all  your  deposits,  present  and  future,  and  all  accounts  (except 
Individual  Retirement  Accounts)  with  OnPoint.  You  agree,  upon 
default, OnPoint may apply all that is secured to pay any amounts 
due  under  this Agreement,  without  further  notice  to  you. You  also 
agree  that  cross-collateralization  is  a  condition  of  receiving  your 
card.

.

MONTHLY STATEMENTS

7. 
Each month we will send you a statement showing purchases, cash 
advances, payments, and credits made to your Account during the 
billing  cycle,  as  well  as  your  “New  Balance,”  any  Interest  Charge 
and  any  late  charge  or  other  charges.    Your  statement  also  will 
identify the Minimum monthly payment you must make for that billing 
period  and  the  date  it  is  due.    You  agree  to  retain  for  statement 
verification copies of transaction slips resulting from each purchase, 
each advance, and other transaction on your Account.  Unless you 
notify OnPoint of a billing error as described below, you accept your 
monthly statement as an accurate statement of your Account with 
OnPoint.

8. 

CIRCUMSTANCES UNDER WHICH AN INTEREST CHARGE 
WILL BE IMPOSED.

The total outstanding balance of purchases and cash advances in 
the Account on the closing date of a billing cycle, including any fees 
and Interest Charges will be shown on the Periodic Statement for 
that billing cycle as the “New Balance.” 

Cash  Advances.   

An  Interest  Charge  will  be  imposed  on 
A. 
cash  advances  (including  balance  transfers,  convenience  check 
advances  and  overdraft  advances)  from  the  date  each  cash 
advance  is  made  or  the  first  date  of  the  billing  cycle  in  which  the 
cash advance is posted, whichever is later, until such advances are 
paid. There is no time period within which to pay to avoid a periodic 
Interest Charge on cash advances, including balance transfers and 
convenience check cash advances.

Purchases. 

 An Interest Charge will be imposed on the portion 
B. 
of purchases included in the new balance that remains unpaid 25 
days after the closing date.  This “grace period” allows you to avoid 
a Interest Charge on purchases for a billing cycle.  However, to the 
extent you do not pay your purchase transactions within the grace 
period,  your  Interest  Charge  will  accrue  from  the  date  purchases 
are posted to your account. Interest Charges on cash advances and 
balance  transfers  will  accrue  from  the  first  day  of  the  billing  cycle 
in which cash advances and balance transfers are posted to your 
account.  

9. 

METHOD  USED  TO  DETERMINE  THE  BALANCE  ON 
WHICH  THE  INTEREST  CHARGE  MAY  BE  COMPUTED 
AND AMOUNT OF INTEREST CHARGE.

We figure the Periodic Interest Charge on your Account by applying 
the  Periodic  Rate  to  the  “Average  Daily  Balance”  of  the  account 
including current purchases and cash advances for your Account.  
To get the “Average Daily Balance” we take the beginning purchase 
and cash advance balances of your Account each day, add any new 

4

purchases and cash advances and subtract any payments or credits, 
unpaid  Interest  Charges  and  unpaid  late  charges.    The  Interest 
Charge is determined by multiplying the average daily balance by 
the  number  of  days  in  the  billing  cycle  and  applying  the  Periodic 
Rate to that amount.  No Interest Charge is imposed on purchases 
to the extent payments and credits for purchases are made within 
25 days of the closing date of the previous billing cycle. 

10. 

PERIODIC  RATE  AND  CORRESPONDING  ANNUAL 
PERCENTAGE RATE (FIXED).

The  Interest  Charge  imposed  during  the  billing  cycle  will  be 
determined by multiplying the Average Daily Balance by the Periodic 
Rate  for  purchase,  cash  advance  and  balance  transfer  amounts.  
The  range  of  fixed  Periodic  Rates  and Annual  Percentage  Rates 
offered by OnPoint are as follows:

Platinum VISA:
Purchases     
•	

•	

•	

3.99%  Introductory  Annual  Percentage  Rate  for  purchases- 
during the 1st 6 months of account opening (0.010932% Daily 
Periodic Rate).
7.9% to 16.9% Annual Percentage Rate
 for purchases and all 
purchase balances after introductory period of 6 months from 
open date (0.021644% to 0.046301% Daily Periodic Rate ).

Balance Transfers
6.99% Annual Percentage Rate for balance transfer amounts made 
in  1st  12  months  of  account  opening  (0.019151%  Daily  Periodic 
Rate). After 12 months from card opening date, Annual Percentage 
Rate  for  balance  transfer  amounts  and  existing  balance  transfers 
same as cash advances.

Cash Advances          
9.9%  to  17.9%  Annual  Percentage  Rate  for  cash  advances 
(0.027123% to 0.049041% Daily Periodic Rate). 

Platinum VISA with Rewards:
Purchases     
•	

3.99%  Introductory  Annual  Percentage  Rate  for  purchases- 
during  1st  6  months  of  account  opening  (0.010932%  Daily 
Periodic Rate).
8.9% to 17.9% Annual Percentage Rate
 for purchases and all 
purchase balances after introductory period of 6 months from 
open date (0.024384% to 0.049041% Daily Periodic Rate ).

Balance Transfers
6.99% Annual Percentage Rate for balance transfer amounts made 
in  1st  12  months  of  account  opening  (0.019151%  Daily  Periodic 
Rate). After 12 months from card opening date, Annual Percentage 
Rate  for  balance  transfer  amounts  and  existing  balance  transfers 
same as Cash Advances.

Cash Advances           
10.9%  to  17.9%  Annual  Percentage  Rate  for  cash  advances 
(0.029863% to 0.049041% Daily Periodic Rate). 

The Periodic Rate and Annual Percentage Rate for purchases and 

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balance  transfers  during  the  6  and  12  month  introductory  periods 
following  account  opening  are  set  forth  above. The  Periodic  Rate 
and  Annual  Percentage  Rate  for  purchases,  cash  advances  and 
balance transfer amounts that will apply to new activity and existing 
balances on  your account after the introductory periods will be based 
upon your credit qualification and risk rating assigned by OnPoint to 
you at the time credit is granted and whenever credit is reviewed. 
Your Periodic Rate and Annual Percentage Rate for purchases and 
cash  advances  will  be  disclosed  to  you  separately  prior  to  use  of 
your Card and will be shown on each monthly statement. 

  The  “Total  Interest  Charge”  shown  on  your  monthly  statement 
consists  of  the  periodic  Interest  Charge  on  purchases  and  the 
periodic Interest Charge on cash advances. In the event you are in 
default of this Agreement or if you have more than one late payment 
in  twelve  (12)  months  the Annual  Percentage  Rate  on  your  entire 
outstanding balance will be increased to 17.9% on the first day of the 
new billing cycle following the late payment or notice of default and 
will continue until you have 6 months without any late or insufficient 
minimum payments or you satisfy the default condition. 

11. 

CONDITIONS UNDER WHICH OTHER CHARGES MAY BE 
IMPOSED.

We may impose the following fees and charges on your Account:

Late Fee.

  If we do not receive your minimum payment within 3 
A. 
days of the due date, we may impose a Late Fee of $25.00 (balances 
>$1000); $20 (balances $100-$1000); $10 (balance $99 or less). If 
you have more than one late payment in twelve (12) months your 
account may be subject to a default Annual Percentage Rate as set 
forth above.

Returned  Item  Fee.

    If  any  check  we  receive  from  you  as 
B. 
payment on your Account is returned to OnPoint unpaid or for any 
convenience check drawn on your Account is returned unpaid, we 
may impose a Returned Item Fee of $25.00.

Card  Replacement  Fee.

    We  may  impose  a  $5.00  card 
C. 
replacement fee for each VISA card, which is lost, stolen, or damaged. 

Annual Fee.  

There is no annual fee for use of your Card and 

D. 
account.

Miscellaneous  Photocopying

.    If  you  request  a  copy  of  a 
E. 
sales draft or other document, we may charge your Account $2.00 
per copy and $25.00 per hour.  These charges cover the costs of 
locating, copying, and delivering the documents to you.  If a request 
is related to a billing error and an error is found, we will reverse any 
photocopying charges.

ATM Fees.

  If you use an ATM to obtain a cash advance and 
F. 
the ATM is not operated by OnPoint, you may be charged an ATM 
surcharge by the ATM operator or an ATM network utilized for such 
a transaction.  The ATM surcharge may be charged to your account 
if you complete the transaction.

G. 

Attorney’s  Fees  and  Costs.

    If  you  default  on  any  part  of 

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this Agreement, you agree to pay OnPoint all costs to collect your 
Account,  including  court  costs  and  reasonable  attorney  fees  and 
collection agency costs whether or not there is a lawsuit, and fees 
on any appeal and fees for bankruptcy proceedings, appeals, and 
any post judgment collection services, if applicable.

CONDITIONS OF CARD USE.

12. 
The  use  of  your  Card  and  Account  are  subject  to  the  following 
conditions:

Ownership of Cards.

  Any Card or other credit instrument or 
A. 
device which we supply to you is our property and must be returned 
to OnPoint, or to any person whom we authorize to act as our agent, 
or to any person who is authorized to honor the Card, immediately 
according  to  instructions.    The  Card  may  be  repossessed  at  any 
time at our sole discretion without demand or notice.  You cannot 
transfer your Card or Account to another person.  You may not use 
the Card for any illegal or unlawful transactions and we may decline 
to authorize any transaction that we believe poses an undue risk of 
illegality or unlawfulness.

Honoring the Card.

  Neither we nor merchants authorized to 
B. 
honor the Card will be responsible for the failure or refusal to honor 
the Card or any other credit instrument or device we supply to you.  
If a merchant agrees to give you a refund or adjustment, you agree 
to accept a credit to your Account in lieu of a cash refund.

Currency Conversion

/Foreign Transaction Fee. Purchases 
C. 
and cash advances made in foreign countries will be billed to you 
in  U.S.  dollars.  The  currency  conversion  rate  for  international 
transactions  as  established  by  VISA  International,  Inc.  is  a  rate 
selected  by  VISA  from  the  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 
addition, you will be charged a Foreign Transaction Fee of 1% of the 
transaction amount for any card transaction made in a foreign country. 

Notices  and  Payments

.    All  notices  will  be  sent  to  your 
D. 
address as shown on your OnPoint account.  You agree to advise 
OnPoint promptly if you change your mailing address.  All payments 
should  be  mailed  to OnPoint  at the remittance  address  shown  on 
your monthly statements.  Payments  received  at that address will 
be credited to your Account as of the date received.

Security of Access Code.

 The personal identification number 
E. 
(PIN) or access code that you select is for your security purposes. 
The access code is confidential and should not be disclosed to third 
parties or recorded. You are responsible for safekeeping your access 
code. You agree not to disclose or otherwise make your access code 
available to anyone not authorized to sign on your accounts. If you 
authorize anyone to have or use your access code, you understand 
that  person  may  review  all  of  your  account  information  and  make 
account transactions. Therefore, we are entitled to act on transaction 
instructions received using your access code and you agree that the 
use of your access code will have the same effect as your signature 
authorizing transactions. If you authorize anyone to use your access 

7

code  in  any  manner  that  authority  will  be  considered  unlimited  in 
amount and manner until you specifically revoke such authority by 
notifying OnPoint and changing your access code immediately. You 
are  responsible  for  any  transactions  made  by  such  persons  until 
you notify OnPoint that transactions and access by that person are 
no longer authorized and your access code is changed. If you fail to 
maintain or change the security of these access codes and OnPoint 
suffers a loss, we may terminate your electronic funds transfer and 
account services immediately.

.

DEFAULT

13. 
You  will  be  in  default  under  this Agreement  if  any  of  the  following 
occur:  (a) Any minimum monthly payment is not made when due; 
(b) You become insolvent, bankrupt, or you die; (c) You violate any 
part of this Agreement, or any other agreement with OnPoint; or (d) 
if we reasonably deem ourselves insecure on your credit line.  We 
will notify you in writing of any such action as soon as practical if it 
occurs.    Upon  default,  we  may  declare  the  entire  unpaid  balance 
immediately  due  and  payable,  and  you  agree  to  pay  that  amount 
plus any attorney’s fees and costs including collection agency costs 
incurred by OnPoint.  We can delay enforcing any right under this 
Agreement  without  losing  that  right  or  any  other  right. A  negative 
credit report reflecting on your credit record may be submitted to a 
credit-reporting agency if you fail to fulfill the terms of this Agreement. 

CREDIT INFORMATION/FINANCIAL STATEMENTS.

14. 
You authorize OnPoint to release information to others (e.g., credit 
bureaus, merchants, and other financial institutions) regarding the 
status and history of your credit line.  You agree to provide OnPoint, 
at any time we deem necessary, with a current financial statement 
and updated credit information upon request.  We may investigate 
your credit directly or through a credit reporting agency.

LOSS OR THEFT OF VISA CREDIT CARD 

15. 
You  agree  to  notify  OnPoint  immediately  of  the  loss,  or  the  theft, 
or  the  use  without  your  permission,  of  any  Card  or  other  credit 
instrument or device, which we supply to you.  You may be liable for 
the unauthorized use of your Card. You will need to notify: OnPoint 
Community  Credit  Union,  PO  Box  31112,  Tampa  FL  33631-3112 
or Telephone:  1-866-820-3101  orally  or  in  writing  of  loss,  theft,  or 
possible  unauthorized  use.  If  you  notify  OnPoint  of  your  lost  or 
stolen  Credit  Card  after  discovery,  you  may  not  be  liable  for  any 
losses  related  to  credit  transactions.    This  zero  liability  will  apply 
provided  you  were  not  grossly  negligent  or  fraudulent  in  handling 
your Card; otherwise your liability for unauthorized VISA Credit Card 
transactions shall not exceed $50. 

YOUR CREDIT CARD BILLING RIGHTS

16. 
Keep this document for future use. This notice tells you about your 
rights and our responsibilities under the Fair Credit Billing Act.

If you 
What to do if you find a mistake on your statement. 
A. 
think  there  is  an  error  on  your  statement,  write  to  us  at:  OnPoint 
Community Credit Union, P.O. Box 31112, Tampa, FL 33631-3279 
In your letter, give us the following information:
• 
• 

Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.

8

 
• 
Description of problem: If you think there is an error on your 
bill, describe what you believe is wrong and why you believe it is a 
mistake.

You must contact us:
Within 60 days after the error appeared on your statement.
• 
• 
At  least  3  business  days  before  an  automated  payment  is 
scheduled, if you want to stop payment on the amount you think is 
wrong.

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

B. 
receive your letter, we must do two things:
1.  Within 30 days of receiving your letter, we must tell you that 
we  received  your  letter.  We  will  also  tell  you  if  we  have  already 
corrected the error.
2.  Within 90 days of receiving your letter, we must either correct 
the error or explain to you why we believe the bill is correct.

When  we 

The  charge  in  question  may  remain  on  your  statement,  and 

We cannot try to collect the amount in question, or report you 

While we investigate whether or not there has been an error:
• 
as delinquent on that amount.
• 
we may continue to charge you interest on that amount.
• 
responsible for the remainder of your balance.
• 

We can apply any unpaid amount against your credit limit.

While you do not have to pay the amount in question, you are 

If we made a mistake: You will not have to pay the amount in 

After we finish our investigation, one of two things will happen:
• 
question or any interest or other fees related to that amount.
If  we  do  not  believe  there  was  a  mistake:  You  will  have  to 
• 
pay the amount in question, along with applicable interest and fees. 
We will send you a statement of the amount you owe and the date 
payment is due. We may then report you as delinquent if you do not 
pay the amount we think you owe.

If  you  receive  our  explanation  but  still  believe  your  bill  is  wrong, 
you  must  write  to  us  within  10  days  telling  us  that  you  still  refuse 
to  pay.  If  you  do  so,  we  cannot  report  you  as  delinquent  without 
also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and 
we  must  let  those  organizations  know  when  the  matter  has  been 
settled between us. If we do not follow all of the rules above, you 
do not have to pay the first $50 of the amount you question even if 
your bill is correct.

Your  rights  if  you  are  dissatisfied  with  your  credit  card 
C. 
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 

9

within 100 miles of your current mailing address, and the purchase 
price must have been more than $50. (Note: Neither of these are 
necessary  if  your  purchase  was  based  on  an  advertisement  we 
mailed to you, or if we own the company that sold you the goods or 
services.)
2. 
You  must  have  used  your  credit  card  for  the  purchase. 
Purchases made with cash advances from an ATM or with a check 
that accesses your credit card account do not qualify.
3. 
If all of the criteria above are met and you are still dissatisfied with 
the  purchase,  contact  us  in  writing  at  the  above  address.  While 
we  investigate,  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.

You must not yet have fully paid for the purchase.

.

AMENDMENTS

17. 
We  reserve  the  right  to  amend  the  terms  of  this  Agreement  at 
anytime  as  permitted  by  and  subject  to  any  limitations  and  notice 
requirements of applicable law.

GOVERNING LAW.

18. 
This Agreement will not take effect until it is approved by OnPoint.  
This  Agreement  shall  be  governed  by  the  laws  of  the  State  of 
Oregon.

NOTICE AND AGREEMENT. 

19. 
You understand and agree to the terms and conditions in this VISA 
Credit Card Agreement. You acknowledge that you have received 
a  copy  of  the Agreement. This Agreement  is  a  final  expression  of 
the  agreement  between  you  and  OnPoint.    This  Agreement  may 
not be contradicted by evidence of any oral agreement or alleged 
oral  agreement  and  contains  the  terms  applicable  to  the  credit 
transaction.

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