CREDIT CARD AGREEMENT AND DISCLOSURE 
This  Agreement  and  Disclosure  sets  forth  the  terms  and  conditions  of  the  Logix  Federal  Credit  Union  Platinum  Classic,  Platinum  and 
Platinum Rewards Credit Cards and contains important information and disclosures as required by law. All terms and conditions in this 
Agreement and Disclosure apply to the Logix Platinum Classic, Platinum and Platinum Rewards Credit Cards unless otherwise identified.   
Please Read it Carefully and Retain this Agreement and Disclosure. 
In this Agreement and Disclosure, the words "you", "your" and "yours" mean each and all of those who apply for, sign, or use the Credit 
Card. The words "we", "us”, "our", and “Logix” each mean Logix Federal Credit Union. “Credit Card” and "Card" mean the Platinum Classic, 
Platinum and Platinum Rewards Credit Card issued to you and any duplicates and renewals we may issue. Rewards means the Platinum 
Rewards Credit Card. "Account" means your Credit Card Account with Logix unless otherwise stated. By accepting and/or using the Credit 
Card, or by your authorizing anyone else to use the Credit Card, you agree to be bound by the terms and conditions of this Agreement 
and Disclosure. Additional Rewards information is available at www.lfcu.com or call (800) 328-5328. 

All terms and conditions in this Agreement and Disclosure including any application that you provided (including any application you made 
over the telephone or the Internet) apply to your Account. 
NOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A VARIABLE ANNUAL PERCENTAGE (INTEREST) RATE.  

Integrated Document(s). You understand and agree that the Credit Card Congratulations “approval” letter and the Credit Card Agreement 
Rates and Fees Table that are included with this Agreement and Disclosure are incorporated herein by reference and are an integrated 
part of this Agreement and Disclosure. In addition, any separate sheet of paper, which is delivered together with and incorporates this 
Agreement  and  Disclosure  by  reference,  is  an  integrated  part  of  this  Agreement  and  Disclosure.    Any  future  amendments  to  this 
Agreement and Disclosure will be labeled as such and will form an integrated part of this Agreement and Disclosure. 

Additional Credit Card Benefits and Services. There are additional benefits and services available from Mastercard for you, a Mastercard 
Cardholders. Please call (800)328-5328 to request an informational brochure.  We have the right to add, modify, or delete any benefit, 
service, or feature of your Card at our discretion. 

Change in Terms. Account and agreement terms are not guaranteed for any period of time.  You understand and agree that we may 
amend, modify, add to, or delete from this Agreement and Disclosure any of its terms and conditions, including financial terms such as 
the method of application and the amount of any interest charge, transaction fee, or other finance charge, Annual  Percentage Rate, 
periodic rate and/or fee in accordance with applicable laws. If required by applicable law, a notice of the change will be mailed to you at 
your last known address or delivered electronically via Online Banking when you electronically agree to receive electronic notices and 
statements from Logix. You also understand that in the event of a significant change in account terms, as defined under the Federal Truth-
in-Lending Act, any such notice will be mailed or electronically delivered (if applicable), at least forty-five (45) days prior to the effective 
date of the significant change in account terms as required by applicable law. If we are required by applicable law to provide you a right 
to reject significant changes to this Agreement and Disclosure prior to the effective date of such changes, we will provide you with an 
explanation of how to reject the significant changes, unless you fail to make a required minimum payment within sixty (60) days after its 
due date. We may change the terms of this Agreement and Disclosure based on information in your credit report, market conditions, and 
business strategy or for any other reason. A Notice of Change-In-Terms will be sent to you when required, but may be sent as late as the 
effective date of the change where the change has been agreed to in writing by you.  

ACCOUNT INFORMATION 
Credit Limit. We will establish a Credit Limit for you as the maximum principal amount of credit available to you under this Agreement. 
You agree not to request or obtain purchases, balance transfers, or cash loan advances above your Credit Limit at any time. To do so is 
an event of default, subject to remedies stated below. You will pay any amounts that exceed the maximum Credit Limit upon demand. 
We will advise you of your Credit Limit in writing and it will become part of this Agreement by this reference. You understand that your 
Credit Limit can be increased and decreased by us at any time; however, we will notify you, in writing, of any change.  

Share-Secured Credit Card – Grant of Security Interest. If you have been granted a share-secured Credit Card, you understand that the 
granting of the security interest is a condition of us granting you an Account. You understand and agree you have granted us a security 
interest in a savings account as designated by you by executing the Share-Secured Credit Card Security Agreement, which is incorporated 
into and made part of this Agreement and Disclosure by this reference.   
You understand that you must, at all times, keep a sum equal to your Credit Limit on deposit in the designated savings account(s) identified 
on the Share-Secured Credit Card Security Agreement until you repay your entire Account balance and the Account is terminated.  You 
understand and agree that this security interest will cover future purchases, balance transfers, and advances under this Agreement and 
Disclosure.    If  you  default,  we  may  apply  these  shares  to  repay  your  Account  balance  in  accordance  with  federal  or  other  law.  You 
understand that the Annual Percentage Rate does not take into account the amount pledged in your designated regular share account(s). 

USING YOUR ACCOUNT  
Sign Your Card. Immediately sign the signature panel on the back of your Card upon receipt. The Card must be signed in order to be valid. 

Using the Card.  To make a purchase or obtain a cash loan advance: (1) Present the Card to a participating merchant, to us, or to another 
financial institution, and sign the sales slip or cash advance draft which will be imprinted with your Card Number; (2) Obtain a cash loan 
advance  by  using  your  Card  and  Personal  Identification  Number  (PIN)  at  a  participating  ATM;  (3)  Swipe  or  insert  your  Card  to  make 
purchases at participating merchants; or, (4) Use of your credit card Convenience Checks which may be provided to you by Logix. 

You may be required to enter your PIN number. Chip and PIN is the highest level of security provided on chip credit cards. There may be 
some merchant terminals that will ask for a PIN to be entered with your purchase.  

You may not use the Card for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses 
an undue risk of illegality or unlawfulness. We are not responsible for the refusal of any plan merchant or financial institution to honor 
your card.  

ATM/ITM Access for Cash Advances and ATM Cash Advance Limits. Your Card and Personal Identification Number (PIN) can be used to 
obtain cash loan advances from your Account at Logix ATMs and at other ATMs that allow PIN based Credit Card cash loan advances. You 
may obtain cash loan advances against your Account up to a maximum aggregate total of $600 per day, provided  sufficient credit is 
available. 

Credit Card Convenience Checks.  Convenience Checks drawn against your Account may be provided to you upon request or issued to 
you as a convenience from time to time by Logix. You may use these checks like you would your personal checks to pay for merchandise, 
pay  off  bills,  other  loans  or  credit  cards.  Use  of  any  Credit  Card  Convenience  Check  will  constitute  a  cash  loan  advance  against  your 
Account and interest will begin to accrue from the date the Convenience Check is posted to your Account (see Cash Loan Advance).   

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Using Your Logix Platinum Rewards Credit Card to Earn Rewards. To participate in the Logix Rewards Program and earn Points, you must 
first establish an assigned Logix rewards account by opening (on approved credit) a Logix Platinum Rewards Account. No retroactive credit 
will be given for transactions made before the rewards account is assigned. Points cannot be used in conjunction with other frequency or 
rewards programs. Note: To redeem rewards, you must be a member in good standing with Logix. Refer to the Logix Rewards Program 
Disclosure – Program Rules for complete details. Logix reserves the right to change or terminate the rewards program at any time. 

Card Ownership.  Any Logix Credit Card issued to you or to another person at your request remains the property of Logix. You agree to 
notify us promptly of the loss, theft, or unauthorized use of your Credit Card. You agree we may terminate, limit and/or modify your right 
to use your Credit Card at any time in the future without notice to you. 

Lost/Stolen Card Notification and Liability for Unauthorized Use.  You will take reasonable steps to prevent the unauthorized use of your 
Credit Card, convenience checks and Account. You accept responsibility for safeguarding all cards and PINs issued to you and any other 
users.  If your Card is lost or stolen, you must tell us at once of the loss, theft, or unauthorized use of your Logix Credit Card. You agree to 
notify us immediately, orally or in writing at: 

Logix, 2340 Hollywood Way, P.O. Box 6759, Burbank, CA 91510  

or 

Telephone: (800) 328-5328 or for International Calls (818) 565-2020 

You may be liable for the unauthorized use of your Credit Card.  You will not be responsible for charges made to your Account that are 
found to be unauthorized.  If we reimburse your Account for unauthorized charges made using your Card, you will help us investigate, 
pursue and get reimbursement from the wrongdoer.  Your help includes giving us documents that we ask for and that are acceptable to 
us. Your liability will not exceed $50 for unauthorized cash advances at ATMs. You will have no liability for unauthorized purchases made 
with  your  Credit  Card.    For  additional  information  regarding  your  rights  and  our  responsibilities,  please  refer  to  the  “YOUR  BILLING 
RIGHTS” section of this Agreement. Your liability may be greater if we can prove that you did not use reasonable care or were fraudulent 
in the handling of your Credit Card or Account.  

Joint Accounts and Co-Signors.  If you are a co-signor or if this is a joint account, you agree to be individually and jointly responsible with 
the other borrower(s). Each of you authorizes the other(s) to obtain advances and make purchases individually under this Account. We 
do not have to notify you if  payments on the account are not made by the other borrower(s) on time. We  can change the terms of 
payment and release any security without notifying you or releasing you from responsibility on this Agreement. If this is a joint account, 
upon request by any party to the account or upon our receipt of inconsistent instructions, we may, at our option and without notice to 
any other party, refuse any request for an advance or an increase in the Credit Limit amount, or refuse any other request with respect to 
the account.  

OTHER AGREEMENTS, TERMS AND CONDITIONS. 
You  agree  to  keep  your  Credit  Card  in  a  safe  place  and  permit  no  unauthorized  person  to  use  it.  You  further  agree  not  to  tell  any 
unauthorized person your PIN or write your PIN on the Card or otherwise make it available to anyone else.   
1.  You agree to tell us immediately upon the loss or theft of your Card or PIN.  
2.  The Card remains the property of the Credit Union and you agree to surrender the Card to the Credit Union upon demand.  The Credit 
Union may cancel, modify or restrict the ATM-access feature of your Card without notice: if you have exceeded your Credit Limit; if 
we are aware that you have violated any term of this Agreement whether or not Logix has suffered a loss; or where it is necessary to 
maintain or restore the security of your Account or recall the Credit Card through retrieval by any of the automated teller machines 
(ATMs.).  
If you authorize Logix to issue a Card to anyone else, you authorize that individual to make purchases and obtain cash loan advances 
from  your  Account  using  the  Credit  Card.    You  will  be  solely  responsible  for  all  usage  by  your  designated  authorized  user  and 
understand you are fully responsible for all payments. 

3. 

4.  You  agree  to  indemnify  and  hold  Logix  harmless  from  any  costs  or  damages  you  sustain  as  a  result  of  Logix  carrying  out,  in  a 

reasonable manner, any written instructions provided by you.  

INTEREST  
The Annual Percentage Rate (APR) includes interest and may include fees considered to be a finance charge. The APR is based on an 
Index Value plus a Margin.  The Index is the highest U.S. Prime Rate as published in the Wall Street Journal on the day following your 
billing cycle date, rounded up to the nearest one-quarter of one percent (0.250%)(the Index Value). Your billing cycle date is the same 
day of each month as indicated on your credit card statement.  If the U.S. Prime Rate increases, your rate will increase. Should the Index 
be discontinued or otherwise be made unavailable during the term of your line of credit, we will choose a new Index that is based on 
comparable information and we will provide you notice of this change. 
The Margin is a specific number of percentage points which is added to the Index Value to calculate the Annual Percentage Rate. The 
Margin for the Platinum Classic Credit Card ranges between 9.99% and 14.49%. The Margin for the Platinum Credit Card ranges between 
4.99% and 14.49%.  The Margin for the Platinum Rewards Credit Card opened before September 4, 2019 ranges between 5.99% and 
14.49%. The Margin for the Platinum Rewards Credit Card opened on or after September 4, 2019 ranges between 7.49% and 14.49%. 
The margin is the same for purchases, cash loan advances, and balance transfers. 

Ask us for the current Index Value. Your Daily Periodic Rate and corresponding Annual Percentage Rate, as well as the applicable Index 
+ Margin are included in your Congratulations “Approval” Letter. APR information will be reflected on your periodic statements.  

Introductory or Promotional Rate.  From time to time, there may be an introductory and/or promotional periodic rate and corresponding 
Annual Percentage Rate for purchases, cash loan advances, and/or balance transfers. The introductory rate and/or the promotional rate 
may be a discounted rate that is not based upon the Index and Margin used to make later adjustments. 

For example:  If the introductory periodic rate is 0.00% and corresponding APR is 0.00% for credit card purchases made during the first 
twelve (12) months, such introductory periodic rate and Annual Percentage Rate will remain applicable for a period of twelve (12) months.  
Upon expiration of the twelve (12) months, your purchase transactions will be subject to variable periodic rates and Annual Percentage 
Rates  calculated  by  adding  the  applicable  Index  Value  to  your  Margin  as  described  in  this  Agreement  and  Disclosure  and  your 
Congratulations “Approval” Letter.  All other transactions will be subject to the variable non-discounted periodic rate and corresponding 
non-discounted Annual Percentage Rate calculated as set forth in your Congratulations “approval” letter and explained in this Agreement 
and Disclosure.  

The Promotional Rate may not be for the entire line of credit.  For example:  The credit card limit is $10,000 and the current credit card 
balance is $0.  The Introductory Rate or Promotional Rate may be limited up to $5,000 of the available credit of $10,000.  

We may end your Introductory or Promotional Annual Percentage Rate during the promotional period and apply the penalty Annual 
Percentage Rate if your minimum required payment is more than 60 days late at any time. 

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Variable Rate Information. The Platinum Classic, Platinum and Platinum Rewards Credit Cards have a variable-rate feature, and the annual 
percentage rate (corresponding to the periodic rate) and the minimum payment may increase as a result.  Any increase or decrease in 
the Annual Percentage Rate will result in changes in the amount and/or number of payments required to repay the Account balance.  
Decreases in the Annual Percentage Rate in accordance with the terms of this Agreement and Disclosure are mandatory.  Increases in the 
Annual Percentage Rate in accordance with the terms of this Agreement and Disclosure are at our discretion.  

Rate Changes.  Increases and decreases in the ANNUAL PERCENTAGE RATE resulting from changes in the Index can occur monthly, that 
is, each billing period on the first day following your billing cycle date (the “Change Date”). On the date following your billing cycle date, 
we will adjust the ANNUAL PERCENTAGE RATE on the Account.  Annual Percentage Rate is based on the Index Value in effect as of the 
date following your billing cycle date, plus your Margin, and will be effective for the current (new) billing cycle.  If there is no change in 
the Index Value on the Change Date, the Annual Percentage Rate will not change for that billing cycle.  The Maximum Annual Percentage 
Rate is currently capped by regulation at 18.00%.  Logix reserves the right to increase the maximum interest rate if permitted by law or 
regulation. 

Penalty Rate - Credit Cards Not In Good Standing.  If your minimum required payment is more than 60 days late at any time, we will 
increase the Annual Percentage Rate, after such notice to you as is required by law, to a variable rate (Penalty Rate) equal to and currently 
capped at 18.00%. We will apply the Penalty Rate to your entire Account balance and to any future transactions. If you make six (6) 
consecutive minimum periodic payments on time after the date we applied the Penalty Rate, your rate will return to the non-penalty APR 
applicable to your Account. 

BALANCE(S) SUBJECT TO INTEREST RATE(S)  
Computing the Interest Charge. The interest charge on your Account is computed each billing period by multiplying the Average Daily 
Balance on your Account by the applicable Daily Periodic Rate (the ANNUAL PERCENTAGE RATE divided by 365) and then multiplying this 
figure by the number of days in the billing period. 

Interest Charges on Cash Loan Advance:  Interest will be imposed on all cash loan advances that you obtain through the use of your 
Credit  Card  or  Convenience  Checks,  including  credit  withdrawals  at  ATMs,  and  advances  initiated  via  transfer  through  Telephone 
Banking, Online Banking, and through the Checking Account Overdraft Protection feature of your Card, as of the date of posting of each 
such cash loan advance. Interest will continue to accrue until the cash loan advance is repaid. 

Credit Purchases of Goods and Services.  Interest will be imposed on credit purchases of goods and services that you obtain with your 
Card as of the date such credit purchase is posted to your account and will continue to accrue until the date the credit purchase is repaid. 
However, Interest will not be imposed on credit purchases if paid in full by the payment due date during the grace period. 

Grace Period. There is a grace period of 25 calendar days on all credit purchases of goods and services. In order to avoid interest charges 
on new purchases, you must pay the entire New Balance shown on the statement by the Payment Due Date. If you do not pay in full the 
New Balance shown on the statement by the Payment Due Date, all new purchases will accrue interest at the daily periodic rate from the 
date of the purchase until the closing date of the billing cycle. There is no grace period on balance transfers or on cash loan advance 
transactions.  Some examples of cash loan advances include cash withdrawals at ATMs; advances initiated via transfer through Telephone 
Banking or Online Banking; Convenience Checks; or advances for Checking Account Overdraft Protection transfers, which accrue interest 
charges from the posting date.  

Average Daily Balance (Including Current Transactions) Computation Method.  We figure the Interest on your account by applying the 
periodic rate to the "Average Daily Balance" of your account (including current transactions). To get the "Average Daily Balance" we take 
the beginning balance of your account each day, add any new purchases, balance transfers, and advances, and subtract any payments or 
credits and unpaid interest. This gives us the daily balance.  Then, we add up all the daily balances for the billing cycle and divide the total 
by the number of days in the billing cycle. This gives us the "Average Daily Balance".  

PAYMENTS AND DEFAULT  
Payments. You will receive a statement for each monthly billing period in which your account has an outstanding balance, itemizing the 
transactions on your account. You must make payments at least monthly in an amount at least equal to the minimum payment amount. 
The minimum payment amount will be based on the new balance shown on your statement. Such payments must be made regardless of 
any prepayments as long as a balance exists. Your periodic payment is applied in the following order: (a) to late charges and fees, if any; 
(b) to periodic interest on balance transfers, advances, and purchases; (c) the unpaid balance of cash loan advances and balance transfers; 
and, (d) credit purchases of goods and services.  Payments in excess of the required MINIMUM PAYMENT will be applied first to the 
balances subject to the highest Annual Percentage Rate and then to balances subject to lower Annual Percentage Rates, in descending 
order of Annual Percentage Rates until all balances subject to an Annual Percentage Rate are paid in full.  You must pay each billing period, 
by the specified Payment Due Date, a MINIMUM PAYMENT of at least 2% of the outstanding balance, but not less than $30.00.  If your 
balance is less than $30.00, the MINIMUM PAYMENT amount will be your balance. 

Repayment.  You promise to repay to us at our office in Burbank, California, or such other place as we may designate in writing, all sums 
advanced by us from time to time under this Agreement, all applicable charges and fees, any interest and any other charges computed 
on the credit card account as described below. 

Automatic Payment Option. If you have elected Automatic Payment (or "AutoPay"), Logix will automatically deduct and transfer your 
monthly Credit Card payment from your designated Logix checking or savings account on the scheduled Payment Due Date.  

The Automatic Payment Option is voluntary, is not a condition of credit or this Agreement, and can be withdrawn by you at any time. 

When  you  elect  AutoPay,  you  agree  and  authorize  us  to  adjust  the  automatic  payment  amount  each  month  to  either  the  minimum 
monthly payment (Required Payment Due) or “payment in full”.  Notification of the varying payment amount due and scheduled payment 
due date will be satisfied by providing you with a monthly billing statement reflecting this information. 

If sufficient funds are not available in your designated checking or savings account to satisfy the total amount of the payment when due, 
we will take whatever funds are available each processing day until the minimum payment is satisfied. If due to insufficient funds, we do 
not transfer funds to make your required Credit Card payment, you will be responsible to ensure that the required Credit Card payment 
is made. If your designated checking or savings account has insufficient funds on the scheduled payment date on two or more occasions, 
we may terminate the Automatic Payment option. 
Unless terminated earlier by us, the Automatic Payment option remains in full force until Logix receives written or verbal notification 
from you terminating the arrangement. Your request for termination must give Logix reasonable opportunity to act on it.  

Prepayments.  Though you need only pay the minimum payment due set forth in your monthly statement, you understand that you have 
the right to repay your Account balance at any time without penalty.  You also understand and agree that you will only be charged interest 
charges to the date you repay your entire Account balance.  You may make larger payments without penalty and this may reduce the 
total amount of interest charges that you will repay.  If you pay more than the minimum payment due in any month and there is still a 
balance due, you must continue to make minimum payments in future months.  Any partial payment of your Account balance will not 
advance your next payment due date(s).  You understand and agree that any payment that (a) delays or (b) accelerates the repayment of 

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your Account balance will (a) increase or (b) decrease your periodic interest charge. Credits from merchants may not be applied to the 
minimum payment due. 

Irregular Payments. We may accept late payments or partial payments, or checks, drafts or money orders marked "Payment in Full", 
without losing any of our rights under this Agreement.   

Payments Marked, “Paid In Full”:  We may accept checks, money orders, or other types of payment marked “payment in full” or using 
other language to indicate full satisfaction of any indebtedness without being bound by such language or waiving any rights under this 
Agreement and Disclosure.  Full satisfaction of indebtedness will be accepted by us only in a written agreement, signed by one of our 
authorized Logix Federal Credit Union representatives.  

Events of Default.  You will be in default under this Agreement if any of the following events shall occur: (a) In the event of your death, 
(b) If you are determined incompetent; (c) If you fail to comply with the minimum payment or any other terms or conditions of this 
Agreement or any other obligation you have or will have with us (for late payment see also “PENALTY RATE” above); (d) If you make false 
or misleading statements in any credit application or update of credit information; (e) If you should become insolvent; (f) If a petition 
should be filed or other proceedings should be started under the Federal Bankruptcy Code or any State insolvency statute by or against 
you; (g) If a Receiver should be appointed or a writ or order of attachment, levy or garnishment should be issued against you or any of 
your property, assets or income; or (h) If we should consider yourself or any debts due under this Agreement unsafe or not completely 
secure or if we should believe, in good faith, that the chances of your paying or performing all of your obligations under this Agreement 
have been impaired. (i) If you are no longer the trustee, account owner or have authority to sign on the related membership share account.  
If you fail to fulfill the terms of this Agreement, a negative report reflecting on your credit record may be submitted to consumer credit 
reporting agencies.  

Entire Balance Due. If you are in default, we may require that you immediately pay the outstanding balance with interest due on the 
balance  at  the  applicable  Annual  Percentage  Rate  provided  in  the  above  “Interest  Charges”  section  until  paid.    You  also  agree  our 
obligation for further credit extensions shall immediately end. If we demand full payment of the outstanding balance and you fail to 
immediately make payment, you agree to pay all collection costs and fees. 

Collection  Costs.  If  you  are  in  default  under  this  Agreement,  you  agree  to  pay  all  collection  costs,  including  without  limitation,  our 
reasonable attorney's fees and court costs incurred during collection.  

Termination  of  Membership/Membership  Not  in  Good  Standing.  Granting  you  an  Account  is  conditioned  upon  your  continued 
membership with Logix. Discontinuation of your Logix membership will result in termination and revocation of your Credit Card privileges, 
requiring you to return all Credit Card(s) to Logix and payment of the "ENTIRE BALANCE DUE" as identified in the above section. 
If your membership is not in good standing, Logix reserves the right to terminate services.  If your credit card is terminated, you are 
responsible to pay the balance in full.  

Responsibility. You agree to repay us according to the terms of this Agreement for all purchases, cash loan advances, balance transfers 
transactions, interest, over-limit, annual fees and late charges, if any, arising from the use of the Credit Card by you, or any other person  
you permit to use the Card, even if that person exceeds your permission, or if we approve charges in excess of the Credit Limit. 

CHECKING ACCOUNT OVERDRAFT PROTECTION 
Your Credit Card may also provide Overdraft Protection on your Logix checking account.  
Application  of  Overdraft  Protection  Feature:  The  Checking  Account  Overdraft  Protection  feature  of  your  Credit  Card  applies  to  any 
overdraft on your checking account provided your Account has available credit, and is not restricted to overdrafts caused by any specific 
or exclusive individual signer(s) on the checking account. 

Liability For Overdrafts Caused By Any Checking Account Signer: You understand that if advances are made against your Account to 
cover overdrafts to your checking account created by other persons with the right to access said checking account, you will be fully liable 
for such advances nonetheless. 

Advances  for  Overdraft  Protection:  All  advances  against  your  Account  for  purposes  of  providing  overdraft  protection  are  cash  loan 
advances and are subject to interest charges as identified  above.  All advances to cover checking account overdrafts will be made in 
increments of $100. 

Overdraft Protection Procedure:  If we receive a check or other item against your checking account which exceeds the available balance 
in your checking account at the time the item is received by us, such check will be considered a request for a cash loan advance by you 
against your Account in an amount sufficient to permit us to honor the check, but not to exceed your approved Credit Limit, and, if your 
request is thereby approved, we will credit the advance to your checking account.  However, if sufficient credit is not available on your 
Account to cover the amount of the check or item, we may not initiate an advance under this Agreement for purposes of checking account 
overdraft protection. 

If we do not initiate a cash loan advance against your Account due to insufficient credit availability, your check(s), or item(s) may be 
honored through another credit agreement you may maintain with us, if any, such as a ReadyLine of Credit, or Logix may, at our discretion 
and without obligation, transfer funds from another savings or checking account you maintain with us to your checking account in order 
to cover and honor the item.  Please refer to other agreements you may have with Logix, or contact a Logix member service representative. 

Limit: Your Checking Account Overdraft Protection limit will be part of, and not in addition to, your total approved Credit Limit under this 
Agreement. 

MERCHANTS 
Credits. If merchants who honor your Card give you credit for returns or adjustments, they will do so by sending us a credit, which we will 
post to your Account. If your credits and payments exceed what you owe us, we will hold and apply the credit balance against future 
purchases or cash advances, or we will refund the credit balance to you within seven (7) business days of receipt of your written request 
if the credit balance is $1.00 or more.  

Plan Merchant Disputes.   We are not responsible for the refusal of any plan merchant or financial institution to honor the Account and/or 
Card.  We are subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the Card only if 
you have made a good faith attempt but have been unable to obtain satisfaction from the plan merchant, and (a) your purchase was 
made in response to an advertisement we sent or participated in sending you; or (b) your purchase cost more than $50.00 and was made 
from a plan merchant in your state or within 100 miles of your current mailing address.  Any other dispute you must resolve directly with 
the plan merchant.  If you dispute a charge with a merchant, we may, in our discretion, credit your Account for all or part of the disputed 
charge.  If we do so, you assign and transfer to us all rights and claims (excluding tort claims) against the merchant.  You agree that you 
will not pursue any claim against the merchant for the credited amount, and you must cooperate with us if we decide to do so.  

Investigation  Authorization.  You  agree  to  advise  us  of  any  changes  in  your  financial  condition  which  may  adversely  affect  your 
creditworthiness  and  authorize  us  to  obtain  information  concerning  your  creditworthiness  from  consumer/credit  reporting  agencies, 

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employers, or others, both now and in connection with updates, renewals, and later credit extensions. At your request, we will tell you if 
such information has been obtained or if we take adverse action on your account as a result of information obtained from a consumer 
credit reporting agency. We will advise you of that fact and supply you with the name and address of the reporting agency making the 
report.  We may require that you complete a new credit application if you wish to increase your Credit Limit or extend the terms of 
repayment.  You authorize us to disclose information regarding the Account to credit reporting agencies and other creditors who inquire 
of us about your credit standing to the extent authorized by law. 

MISCELLANEOUS 
Change of Name, Address, Contact Information and/or Employment.  You will advise us promptly of any change in your name, address, 
contact information or employment. All written notices and statements from us to you will be considered given when placed in the United 
States mail, postage prepaid, and addressed to you at your current address as it appears on our records, or when notified electronically 
if you have requested and consented to electronic statements and notifications. 

Cancellation.  You can cancel your Account at any time by returning to us your Card(s), cut in half, along with a letter requesting that we 
cancel your Account. We may cancel this Agreement at any time. However, your obligation under this Agreement and any charges and 
advances made under it prior to cancellation will continue to apply until you have paid all money you owe on the Account.  

Delay In Enforcement: We may delay enforcing any of our rights or otherwise refrain from exercising any of our rights regarding any 
breach or default that occurs without losing our rights or waiving our rights.  

Governing Law. You 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 controlling Federal Law. You also understand that California's "Choice 
of Law Rules" will not be applied if they would result in the application of non-California law. 

Information Reported to Credit Bureaus. If you believe that any information we have reported to consumer credit reporting agencies 
(credit bureaus) regarding your Account is inaccurate or incomplete, please notify us in writing at Logix, P.O. Box 6999, Burbank, CA 
91510.  Please provide specific information so that we can identify the information you believe to be inaccurate or incomplete. 

Non-Reissuance. For security purposes, Logix Credit Cards are reissued periodically.  If at the time of reissuance your Account has been 
inactive for at least 12 months, we will not reissue a new Card to you and may close your Account.  

Periodic Review.  A periodic review of credit card and line of credit accounts is performed to determine the continued probability of 
repayment. We also rely on information requested and received from credit reporting bureaus and agencies regarding the handling of 
your credit related accounts with other financial institutions for this same purpose. If, in our opinion, we believe that your credit history 
has significantly deteriorated since your new or reissued Credit Card was provided to you, we reserve the right to close your Account and 
to prohibit further advances. Deterioration in your credit history can result from late payments, collections, liens, or exceeding established 
Credit Limits. 

Transfer of Account: You cannot transfer or assign your Account to any other person.  

Waivers:  Waivers will be binding only if we agree to the waiver in a signed writing.  

CROSS-COLLATERALIZATION. 
Collateral (other than real property) securing other loans with us may also secure this loan. 

FEES  
Foreign  Currency  Conversion  and  Cross-Border  Transactions.  Foreign  currency  transactions  will  be  converted  into  U.S.  Dollars  using 
either  a  wholesale  exchange  rate  or  government-mandated  exchange  rate  as  selected  by  the  credit  card  Network  on  the  date  the 
transaction is processed, which may be a date different from the date the transaction occurred or was posted to your account. A Fee of 
0.2%  is  charged  for  the  foreign  currency  conversion,  which  is  added  to  the  converted  U.S.  Dollar  amount  debited  to  your  account. 
Additionally,  all  transactions  conducted  or  processed  outside  of  the  U.S.A.  and  its  territories,  foreign  military  bases,  embassies,  and 
consulates, (Cross-Border transactions), whether conducted in foreign currency or U.S. Dollars, will be assessed a fee of 0.9% of the U.S. 
Dollar amount. Logix Federal Credit Union has no control over the conversion rate used or fees charged by the credit card Network. Logix 
rebates Foreign Transaction fees. 

Overdraft Protection Transfer Fee. .  The Overdraft Protection Transfer Fee is assessed on your checking account.  Please see the Rates 
and Fees Chart below or the Schedule of Service Fees and Charges for the most current fee. 

Late Payments.  We may accept late payments or partial payments without losing any of our rights under this Agreement. Late Charges 
are assessed if your payment is received after the scheduled Payment Due Date. For payments received past due, you agree to pay a Late 
Charge of $15 for balances under $100; $20 for balances $100-$500; $25 for balances over $500. If you are late more than one time 
during a six (6) month period, we may charge a Late Charge up to $30.  Your Late Charge will never exceed the amount of the payment 
that you failed to make by its scheduled Payment Due Date.   

Returned Payment Fee.  If a payment that was applied to your Account is returned to us unpaid for any reason, you will be charged a 
Returned Payment Fee of up to $29. However, the Returned Payment Fee will not exceed the amount of the payment that you were 
required to make under your periodic statement. 

Non-Sufficient Funds (NFS), Credit Card Convenience Check Fee. You will be charged a NSF Credit Card Convenience Check Fee of up to 
$30 if you write a Convenience Check for a transaction that exceeds your Credit Limit or the Convenience Check is written on a delinquent 
Account.  The amount of the NSF Credit Card Convenience Check Fee will not exceed the amount of the Convenience Check that resulted 
in such fee being imposed. 

Stop Payment Orders on Credit Card Convenience Checks.  At your request and risk Logix will, without responsibility on its part, accept 
a Stop Payment Order on Credit Card Convenience Checks issued against your Account, subject to a $20 Stop Payment fee per check, at 
the time such a Stop Payment Order is received. A Stop Payment Order will be in effect if all required information is provided and a 
reasonable amount of time has been allowed for the dissemination of such stop payment information. All written and oral Stop Payment 
Orders on Credit Card Convenience Checks that you write are effective for twelve (12) months from the date received, unless otherwise 
canceled or renewed by you in writing. If we inadvertently pay the Convenience Check when the stop payment should have been effective, 
we will reverse any Logix charges which result, including the Stop Payment fee. In addition, we will reimburse you for your losses, up to 
the amount of the check, so long as you are able to prove that you do not owe the money to the person to whom you wrote the check.  
However, if you are unable to prove that you do not owe the money, we will not be obligated to reimburse you for the check amount. 

ATM/ITM Fees by Others.  If you use an automated teller machine (ATM) that is not operated by us, you may be charged a fee by the 
operator of the ATM and/or by an ATM or automated transfer network. 

Other Fees and Charges.    Please refer to the Logix Credit Card Rates and Fees Table below.

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YOUR BILLING RIGHTS:  Keep This Document For Future Use 

This notice tells you about important information about your rights and our responsibilities under the Fair Credit Billing Act. 

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: 

Logix, P.O. Box 6999, Burbank CA 91510 

You may also contact us on the Web:  www.lfcu.com 

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 three (3) business days before an automatic 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 at (800) 328-5328, 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 
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 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. 

While we investigate, whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
• 
•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

• 
• 

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. 
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 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 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.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 

Logix, P.O. Box 6999, Burbank CA 91510 

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. 

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Logix Credit Card Rates and Fees Table 
Interest Rates and Interest Charges 

Annual Percentage Rate (APR) for Purchases 

Platinum  

Platinum Rewards  

Annual Percentage Rate (APR) for  
Cash Advances and Balance Transfers 

Platinum 

Platinum Rewards 

Penalty APR and When it Applies 

Paying Interest 

0% Introductory APR for one year, based on your 
creditworthiness; must qualify.  After that, your Standard APR will 
be:  
8.24% APR to 17.99% APR  
10.74% APR to 17.99% APR         
This APR will vary with the market based on the Prime Rate.    
 3.99% - 8.99% Introductory APR for one year, based on 
your creditworthiness; must qualify.  After that, your Standard APR 
will be:  
8.24% APR to 17.99% APR  
10.74% APR to 17.99% APR         
This APR will vary with the market based on the Prime Rate.    
17.99% APR 
This APR may be applied if you: 
Make your minimum payment more than 60 days late at any time.  

How Long Will the Penalty APR Apply? If your APRs are increased, 
the Penalty APR will apply until you make six consecutive minimum 
payments when due. 
Your due date is at least 25 days after the close of each billing cycle.  
We will not charge you interest on purchases if you pay your entire 
balance by the due date each month. We will begin interest on cash 
advances and balance transfers on the transaction date. 

Minimum Interest Charge  None 

Credit Card Tips from the 
Consumer Financial Protection Bureau 

To learn more about factors to consider when applying for or using 
a credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore 

Fees 

Transaction Fees 
Foreign Transaction Fees 

Overdraft Protection Transfer Fee 
Penalty Fees 
Late Payment 
Returned Payment 
NSF Credit Card Convenience Check 
Other Fees 
Stop Payment Credit Card Convenience Check 

Up to 1.1% of each transaction in U.S. Dollars 
(Logix rebates foreign transaction fees) 

$4.00 

Up to $30.00 
$29.00 
$30.00 When over the credit limit or written on delinquent account 

$20.00 

How We Will Calculate Your Balance: We use a method called "average daily balance” (including new purchases). See your 
account agreement and disclosure for more details. 

Introductory Rate on Platinum Rewards and Platinum Regular Card - Introductory Rate, is available to members who 
meet minimum credit score and underwriting criteria. Cardholder must qualify. Credit card purchases made during the 
first 12 months from the date your credit card account is opened qualify for 0% APR for 12 months (365 days from the 
date your account is opened). Cash advances and balance transfers made during the first 12 months from the date your 
credit card account is opened qualify for 3.99% APR to 8.99% APR for 12 months (365 days from the date your account is 
opened) and is based on your creditworthiness. When the Introductory Rate period has ended, the rate applied to any 
remaining  outstanding  balance  for  those  transactions  will  be  at  the  cardholder’s  standard  Credit  Card  rate.  (Platinum 
Credit Cards that are share secured are excluded from the Introductory Offers.) 

Loss of Introductory/Promotional APR:  We may end your introductory APR or your promotional APR and apply the Penalty 
APR if you make your minimum required payment more than 60 days late at any time. 

Important  Notice  for  Service  Members  and  Their  Dependents  -  Military  Lending  Act  Disclosure:    Military  Lending  Act 
Disclosure: 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 percent.  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 specified credit transactions 
or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call 
us at 866-399-5328 to receive disclosures orally.  

Rates and Terms are accurate as of April 3, 2020. Rates and Terms are Subject to Change without Notice. 
Contact Logix at (800) 328-5328 to obtain the most recent information. 

Logix Federal Credit Union 
PO Box 6759, Burbank, CA 91510 

13729-22 web (04/20)146 

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