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  account  issued  by  OnPoint 
Community Credit Union. In this Agreement the words (cid:147)you,(cid:148) (cid:147)your,(cid:148) 
(cid:147)yours,(cid:148) (cid:147)applicant,(cid:148) and (cid:147)Borrowers(cid:148) mean any person who signs the 
application for this Account, any joint obligor, guarantor, or the
person whose name is embossed on the Card. The words (cid:147)we,(cid:148)
(cid:147)our,(cid:148) and (cid:147)OnPoint(cid:148) means OnPoint Community Credit Union. The
word (cid:147)Card(cid:148) means any one or more credit cards issued under
OnPoint(cid:146)s Platinum VISA or Platinum VISA with Rewards program.
Except as otherwise specified in this Agreement, all terms and
conditions of this Agreement apply to any Card issued under any
of the above-referenced programs. 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.

2. 
A.  Purchases  and  Cash Advances.    You  must  sign  the  Card 
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
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.

1

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 bene昀椀t 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
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 

2

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  2%  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.  You agree to make payments in accordance with the 
payment instructions on your statement. If you do not follow the 
instructions, there may be a delay in crediting your Account, which 
may result in late fees or additional interest charges.

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 
consumer loan obligations except dwelling-secured  loans,  in  
the    past    and    in    the    future,    will    secure  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. 

3

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 veri昀椀cation copies 
of transaction slips resulting from each purchase, each advance, and 
other transactions 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 
CHARGE WILL BE IMPOSED.

INTEREST 

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 and Balance Transfers. An Interest Charge 
A.
will  be  imposed  on  cash  advances  (including  balance  transfers,
convenience  check  advances  and  overdraft  advances)  from  the
date each cash advance is made or the 昀椀rst 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.

B.  Purchases.  An Interest Charge will be imposed on the portion 
of purchases included in the new balance that remains unpaid 25
days after the closing date. This “grace period” allows you to avoid
an Interest Charge on purchases for a billing cycle. However, to the 
extent you do not pay your purchase transactions from the previous 
billing cycle within the grace period, your Interest Charge will accrue 
from the date purchases 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  昀椀gure  the  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  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.  
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.

4

10. PERIODIC  RATE  AND  CORRESPONDING  ANNUAL

PERCENTAGE RATE (VARIABLE).
Standard Rates. To obtain the Periodic Rate, we divide the 
A.
Annual Percentage Rate by 365. The Annual Percentage Rate may 
change as of the first day of each billing cycle, based on an index 
which is The Wall Street Journal Western Edition Prime Rate as of 
the 10th day of the month (or next business day if the 10th falls on 
a weekend), plus a margin. If the Prime Rate changes on the 10th 
day of the month, the change will be effective on the 1st day of your 
next billing cycle following the change. The margin for your Account 
depends on your credit profile and will be set forth in the Account 
Disclosure  that  is  provided  when  your Account  is  opened,  and  is 
incorporated in this Agreement.

Introductory  or  Promotional  Rates.  At  our  discretion,  we 
B.
may  offer  you  an  introductory  or  promotional  Annual  Percentage 
Rate  for  your  Account.  Any  introductory  or  promotional  Annual 
Percentage  Rate  will  be  subject  to  the  terms  of  the  offer  and  this 
Agreement.  We  will  provide  you  with  information  on  the  offer, 
including  the  time  period  the  introductory  or  promotional  Annual 
Percentage  Rate  is  in  effect  in  the Account  Disclosure  when  you 
open your Account or in other materials that we send to you about 
the offer after you receive your Credit Card. 

Penalty  Rate.  In  the  event  you  are  in  default  of  this 
C.
Agreement  or  if  you  have  more  than  one  late  payment  in  12 
months,  the  Annual  Percentage  Rate  on  your  entire  outstanding 
balance will be increased to the Penalty Rate 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 
A.
3  days  of  the  due  date,  we  may  impose  a  Late  Fee.  If  you  have 
more  than  one  late  payment  in  12  months,  your  account  may  be 
subject to a penalty Annual Percentage Rate as set forth above.

Returned  Item  Fee.  If  any  item  we  receive  from  you  as 
B.
payment  on  your  Account  is  returned  to  OnPoint  unpaid  or  if  any 
convenience check drawn on your Account that is returned unpaid, 
we may impose a Returned Item Fee.

Card  Replacement  Fee.  We  may  impose  a  Card 
C.
Replacement Fee for each VISA card that is lost, stolen, or damaged.

Annual Fee. There is no annual fee for use of your Card and 

D.
account.

E. Miscellaneous  Photocopying.  If  you  request  a  copy  of  a 
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.

5

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.

Attorney’s  Fees  and  Costs.    If  you  default  on  any  part  of
G.
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.

12. CONDITIONS OF CARD USE.
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  and  Foreign  Transaction  Fee.  A 
C.
“Foreign Transaction” is any card purchase, cash advance, internet 
initiated  transaction  or  ATM/POS  transaction:  (i)  made  in  a  foreign 
currency  or  (ii)  made  in  U.S.  dollars  if  the  transaction  is  made  or 
processed  outside  of  the  U.S.  Foreign  Transactions  include,  for 
example, online transactions made in the U.S. with a merchant who 
processes the transaction in a foreign country. You are responsible 
for  determining  whether  a  transaction  is  a  Foreign  Transaction. 
Foreign  Transactions  will  be  billed  to  you  in  U.S.  dollars.  The 
currency conversion rate for Foreign Transactions is established by 
Visa Inc. Currently, the currency conversion rate used by Visa 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. 
You  will  be  assessed  a  Foreign  Transaction  Fee  for  each  Foreign 
Transaction.  See  our  Rate  and  Fee  Schedule  for  the  current 
Foreign Transaction Fee.

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

6

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 
E. 
number  (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 
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. 

13.  DEFAULT.
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. 

14. CREDIT INFORMATION/FINANCIAL STATEMENTS.
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.

15. UNAUTHORIZED USE, LOSS OR THEFT OF CREDIT CARD 
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 at PO Box 31112, Tampa, FL 33631-3112
or by telephone at 1-866-820-3101 orally or in writing of loss, theft, 
or possible unauthorized use. If you notify OnPoint of your lost or 

7

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.

16.  YOUR CREDIT CARD BILLING RIGHTS
Keep this document for future use. This notice tells you about your
rights and our responsibilities under the Fair Credit Billing Act.

A. 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:  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.
•
•
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.

B. 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  received  your  letter.  We  will  also  tell  you  if  we  have 
allready  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.

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.

The charge in question may remain on your statement, and 

While you do not have to pay the amount in question, you are 

After we 昀椀nish our investigation, one of two things will happen:

If we do not believe there was a mistake: You will have to pay 

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.
•
         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.

8

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.

C. 
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:
The  purchase  must  have  been  made  in  your  home  state  or
1.
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.) 
You  must  have  used  your  credit  card  for  the  purchase.
2.
Purchases made with cash advances from an ATM or with a check
that accesses your credit card account do not qualify.
You must not yet have fully paid for the purchase. If all of the 
3.
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.

17. AMENDMENTS.
We  reserve  the  right  to  amend  the  terms  of  this  Agreement  at 
any time as permitted by and subject to any limitations and notice 
requirements of applicable law.

18. GOVERNING LAW.
This Agreement shall be governed by the laws of the State of Oregon. 

19. NOTICE AND AGREEMENT. 
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. 

20. REWARDS. 
Features are subject to Terms and Conditions posted at
www.curewards.com.

MILITARY LENDING DISCLOSURE
This  Military  Lending  Disclosure  is  issued  pursuant  to  and  amends 
your  Visa  Credit  Card  Agreement  and  Account  Disclosures  as 
described below:

9

Borrower  Certification of  Active  Duty.  By  requesting a

A.
Credit Card each borrower certifies to the Credit Union that borrower: 
(i) is  a  Covered  member  as  a  member  of  the  Armed  Forces  who
is  currently  serving  on  active  duty  (under  a  call  or  order  not  less 
than  30  days)  Active  Guard  or  Reserve  duty;  and  (ii)  borrower  is 
the  Covered  Member  or  is  a  dependent  of  the  Covered  Member. 
Borrower(s)  authorize  the  Credit  Union  to  verify  their  status  as  a 
Covered  Member  or  dependent  by  obtaining  information  from  the 
database  of  the  Department  of  Defense  or  from  a  consumer 
report  obtained  from  a  consumer  reporting  agency.

B. Military  Annual  Percentage  Rate.  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 Forces and
his or her dependent may not exceed an annual percentage rate of
36%. This rate must include, as applicable to the credit transaction or 
account: the costs associated with credit insurance premiums; fees
for ancillary products sold in connection with the credit transaction;
any application fee charged (other than certain application fees for
a credit card account); and any participation fee charged (other than 
certain participation fees for a credit card account).

Payment  Obligation.  Your  payment  obligation  under  your
C.
Credit  Card Account  is  set  forth  in  Sec.  5  in  the  Visa  Credit  Card
Agreement. 

Security  Interest. The  Credit  Union(cid:146)s  security  interest  in  all
D.
your  Credit  Union  shares  or  deposits  pursuant  to  the  Credit  Card
Agreement  will  not  apply  your  Credit  Card  Account.  A  security
interest in shares or deposits granted in connection with any other
credit card account, loan or line of credit does not secure the Credit 

securing one loan secures all of your other Credit Union obligations. 

connection with your Credit Card Account, funds deposited in that 
account  after  you  establish  the  Credit  Card  Account  are  subject 
to  our  security  interest  as  set  forth  above  in  the  Visa  Credit  Card 
Agreement.

E. Credit  Union  Toll-Free  Telephone  Number.  Call
1-800-527-3932  for  information  about  the  Military  Annual
Percentage Rate and your payment obligation.

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