E.  Security of Access Code. The personal identi?cation number  provided you were not grossly negligent or fraudulent in handling  also reporting that you are questioning your bill. We must tell you  described below:
 (PIN) is for your security purposes. The access code is con?dential  your Card; otherwise your liability for unauthorized VISA Credit Card  the name of anyone to whom we reported you as delinquent, and 
 and should not be disclosed to third parties or recorded. You are transactions shall not exceed $50. we must let those organizations know when the matter has been  A.	 Borrower	 Certi?cation	 of	 Active	 Duty. By requesting a
 responsible for safekeeping your access code. You agree not to settled between us. If we do not follow all of the rules above, you  Credit Card each borrower certi?es to the Credit Union that borrower: 
 disclose or otherwise make your access code available to anyone 16. YOUR CREDIT CARD BILLING RIGHTS do not have to pay the ?rst $50 of the amount you question even if  (i) is a Covered member as a member of the Armed Forces who
 not authorized to sign on your accounts. If you authorize anyone Keep this document for future use. This notice tells you about your your bill is correct. is currently serving on active duty (under a call or order not less
 to have or use your access code, you understand that person rights and our responsibilities under the Fair Credit Billing Act. than 30 days) Active Guard or Reserve duty; and (ii) borrower is
 may review all of your account information and make account C.	 Your	rights	if	you	are	dissatis?ed	with	your	credit	card	 the Covered Member or is a dependent of the Covered Member.
 transactions. Therefore, we are entitled to act on transaction A.	 What	to	do	if	you	?nd	a	mistake	on	your	statement. If you purchases. If you are dissatis?ed with the goods or services that  Borrower(s) authorize the Credit Union to verify their status as a
 instructions received using your access code and you agree that the  think there is an error on your statement, write to us at: OnPoint you have purchased with your credit card, and you have tried in Covered Member or dependent by obtaining information from the
 use of your access code will have the same effect as your signature  Community Credit Union, P.O. Box 31112, Tampa, FL 33631-3279. good faith to correct the problem with the merchant, you may have database of the Department of Defense or from a consumer report
 authorizing transactions. If you authorize anyone to use your access  In your letter, give us the following information: the right not to pay the remaining amount due on the purchase. To obtained from a consumer reporting agency.
 code in any manner that authority will be considered unlimited in �  Account information: Your name and account number. use this right, all of the following must be true:
 amount and manner until you speci?cally revoke such authority by  �  Dollar amount: The dollar amount of the suspected error. 1. The purchase must have been made in your home state or B. Military Annual Percentage Rate. Federal law provides
 notifying OnPoint. You are responsible for any transactions made by  �  Description of problem: If you think there is an error on your within 100 miles of your current mailing address, and the important protections to members of the Armed Forces and their
 such persons until you notify OnPoint that transactions and access bill, describe what you believe is wrong and why you believe it  purchase price must have been more than $50. (Note: Neither  dependents relating to extensions of consumer credit. In general, Visa Signature
 by that person are no longer authorized. If you fail to maintain or is a mistake. of these are necessary if your purchase was based on an the cost of consumer credit to a member of the Armed Forces and
 change the security of these access codes and OnPoint suffers a advertisement we mailed to you, or if we own the company his or her dependent may not exceed an annual percentage rate of Credit Card Agreement
 loss, we may terminate your electronic funds transfer and account You must contact us: that sold you the goods or services.) 36%. This rate must include, as applicable to the credit transaction or 
 services immediately. �  Within 60 days after the error appeared on your statement. 2. You must have used your credit card for the purchase. account: the costs associated with credit insurance premiums; fees
 � At least 3 business days before an automated payment is Purchases made with cash advances from an ATM or with a for ancillary products sold in connection with the credit transaction;
 13. DEFAULT. scheduled, if you want to stop payment on the amount you check that accesses your credit card account do not qualify. any application fee charged (other than certain application fees for
 You will be in default under this Agreement if any of the following think is wrong. 3. You must not yet have fully paid for the purchase. a credit card account); and any participation fee charged (other than 
 occur: (a) Any minimum monthly payment is not made when due; If all of the criteria above are met and you are still dissatis?ed with  certain participation fees for a credit card account).
  1.  INTRODUCTION.
 (b) You become insolvent, bankrupt, or you die; (c) You violate any You must notify us of any potential errors in writing. You may call us,  the purchase, contact us in writing at the above address. While
  This VISA Credit Card Agreement (Agreement) and  the Account 
 part of this Agreement, or any other agreement with OnPoint; or (d)  but if you do we are not required to investigate any potential errors  we investigate, the same rules apply to the disputed amount as C. Payment Obligation. Your payment obligation under your
  Disclosures  accompanying  this  Agreement  will  govern  your 
 if we reasonably deem ourselves insecure on your credit line. We and you may have to pay the amount in question. discussed above. After we ?nish our investigation, we will tell you  Credit Card Account is set forth in Sec. 5 in the Visa Credit Card
  Signature Visa account issued by OnPoint Community Credit Union. 
 will notify you in writing of any such action as soon as practical if it our decision. At that point, if we think you owe an amount and you Agreement. 
  In  this  Agreement  the  words  �you,�  �your,�  �yours,�  �applicant,� 
 occurs. Upon default, we may declare the entire unpaid balance B. What will happen after we receive your letter. When we do not pay, we may report you as delinquent.
  and �Borrowers� mean any person who signs the application for 
 immediately due and payable, and you agree to pay that amount receive your letter, we must do two things: D. Security Interest. The Credit Union�s security interest in all
  this  Account,  any  joint  obligor,  guarantor,  or  the  person  whose 
 plus any attorney�s fees and costs including collection agency costs  1. Within 30 days of receiving your letter, we must tell you that 17. AMENDMENTS. your Credit Union shares or deposits pursuant to the Credit Card
  name  is  embossed  on  the  Card.  The  words  �we,�  �our,�  and 
 incurred by OnPoint. We can delay enforcing any right under this we received your letter. We will also tell you if we have already  We reserve the right to amend the terms of this Agreement at Agreement will not apply your Credit Card Account. A security
  �OnPoint�  means  OnPoint  Community  Credit  Union.  The  word 
 Agreement without losing that right or any other right. A negative corrected the error. anytime as permitted by and subject to any limitations and notice interest in shares or deposits granted in connection with any other
  �Card�  means  any  one  or  more  credit  cards  issued  under 
 credit report re?ecting on your credit record may be submitted  2. Within 90 days of receiving your letter, we must either correct requirements of applicable law. credit card account, loan or line of credit does not secure the Credit 
  OnPoint�s Signature Visa program. Except as otherwise specified 
 to a credit-reporting agency if you fail to ful?ll the terms of this  the error or explain to you why we believe the bill is correct. Card Account identi?ed above, in spite of any provision that collateral 
  in this Agreement, all terms and conditions of this Agreement apply 
 Agreement. 18. GOVERNING LAW. securing one loan secures all of your other Credit Union obligations. 
  to any Card issued under any of the above-referenced programs. 
 While we investigate whether or not there has been an error: This Agreement will not take effect until it is approved by OnPoint. However, if you establish a deposit or share account speci?cally in 
  If you sign a written or online application for this Account or sign or 
 14. CREDIT INFORMATION/FINANCIAL STATEMENTS. � We cannot try to collect the amount in question, or report you This Agreement shall be governed by the laws of the State of connection with your Credit Card Account, funds deposited in that
  use any Card or PIN, or allow others to use the Card or PIN, you 
 You authorize OnPoint to release information to others (e.g., credit as delinquent on that amount. Oregon. account after you establish the Credit Card Account are subject
  and they will have accepted this Agreement just as if you and they 
 bureaus, merchants, and other ?nancial institutions) regarding the  � The charge in question may remain on your statement, and to our security interest as set forth above in the Visa Credit Card
  signed it, and you and they, jointly and severally, will be bound by 
 status and history of your credit line. You agree to provide OnPoint,  we may continue to charge you interest on that amount. 19. NOTICE AND AGREEMENT. Agreement.
  the following terms and conditions which will govern this Account.
 at any time we deem necessary, with a current ?nancial statement  �  While you do not have to pay the amount in question, you are  You understand and agree to the terms and conditions in this VISA 
 and updated credit information upon request. We may investigate responsible for the remainder of your balance. Credit Card Agreement. You acknowledge that you have received E.  Credit Union Toll-Free Telephone Number. Call 1-800-527-
  2.  ACCOUNT ACCESS. 
 your credit directly or through a credit reporting agency. �  We can apply any unpaid amount against your credit limit. a copy of the Agreement. This Agreement is a ?nal expression of  3932 for verbal information about the Military Annual Percentage
  A.  Purchases and Cash Advances. You must sign the Card to 
 the agreement between you and OnPoint. This Agreement may Rate and your payment obligation. 
  use it. Once you have signed the Card, you can use it to make 
 After we ?nish our investigation, one of two things will happen: not be contradicted by evidence of any oral agreement or alleged
  purchase, cash advance and balance transfer transactions up to 
 15. UNAUTHORIZED USE, LOSS OR THEFT OF CREDIT � If we made a mistake: You will not have to pay the amount in oral agreement and contains the terms applicable to the credit
  the full amount of your credit line. You may use your Account to get 
 CARD question or any interest or other fees related to that amount. transaction.
  cash advances from OnPoint. You may also use your Card to get a 
 You agree to notify OnPoint immediately of the loss, or the theft,  � If we do not believe there was a mistake: You will have to
  cash advance from participating financial institutions or automated 
 or the use without your permission, of any Card or other credit  pay the amount in question, along with applicable interest 20. REWARDS.
  teller  machines (ATMs). You may use your Card to purchase 
 instrument or device, which we supply to you. You may be liable for  and fees. We will send you a statement of the amount you Features are subject to Terms and Conditions posted at
  goods and services any place your Card is honored by participating 
 the unauthorized use of your Card. You will need to notify: OnPoint  owe and the date payment is due. We may then report you as  www.curewards.com.
  merchants. No purchase amount may exceed the available funds 
 Community Credit Union, PO Box 31112, Tampa FL 33631-3112  delinquent if you do not pay the amount we think you owe.
  in your account. Only credit card balance transfers you make from 
 or Telephone: 1-866-820-5831 orally or in writing of loss, theft, or 
  another institution will be permitted and treated as a cash advance. 
 possible unauthorized use. If you notify OnPoint of your lost or  If you receive our explanation but still believe your bill is wrong,  MILITARY LENDING DISCLOSURE.
  OnPoint reserves the right to refuse any transaction that would draw 
 stolen Credit Card after discovery, you may not be liable for any  you must write to us within 10 days telling us that you still refuse  This Military Lending Disclosure is issued pursuant to and amends 
  upon insufficient funds.
 losses related to credit transactions. This zero liability will apply  to pay. If you do so, we cannot report you as delinquent without  your Visa Credit Card Agreement and Account Disclosures as
 01/19 M-127236
 7 8 9 10       1
  B. VISA Convenience Checks. If we approve, you may or by separate notice together with any changes in the applicable  7. MONTHLY STATEMENTS. 10. PERIODIC RATE AND CORRESPONDING ANNUAL E. Miscellaneous Photocopying. If you request a copy of a 
  obtain advances under your Account by writing preprinted VISA minimum monthly payments. Your eligibility for this credit line is  Each month we will send you a statement showing purchases, cash  PERCENTAGE RATE (VARIABLE). sales draft or other document, we may charge your Account $2.00 
  convenience loan checks that we supply to you. Your use of loan determined by our loan policy and may be terminated at our sole  advances, payments, and credits made to your Account during the A. Standard Rates. To obtain the Periodic Rate, we divide the per copy and $25.00 per hour. These charges cover the costs of 
  checks will be shown as cash advances on your monthly statement.  discretion, without demand or notice. You may close your credit line  billing cycle, as well as your �New Balance,� any Interest Charge Annual Percentage Rate by 365. The Annual Percentage Rate may  locating, copying, and delivering the documents to you. If a request 
  We may not honor your loan check if: your check is post-dated; at any time by notifying OnPoint in writing and returning all Cards cut  and any late charge or other charges. Your statement also will change as of the ?rst day of each billing cycle, based on an index  is related to a billing error and an error is found, we will reverse any 
  payment of the check would exceed your Credit Limit; a check is in half. If you terminate this Agreement or if we terminate or suspend  identify the Minimum monthly payment you must make for that which is The Wall Street Journal Western Edition Prime Rate as of photocopying charges.
  signed by a person without authorized access; the amount of the your credit privileges, the provisions of this Agreement and your  billing period and the date it is due. You agree to retain for statement  the 10th day of the month (or next business day if the 10th falls on
  check is less than the minimum required amount; your Account has  liability hereunder shall otherwise remain in full force and effect until  veri?cation copies of transaction slips resulting from each purchase,  a weekend), plus a margin. If the Prime Rate changes on the 10th F. ATM Fees. If you use an ATM to obtain a cash advance  
  been terminated or suspended, or any drafts have been reported you have paid OnPoint all sums due OnPoint under this Agreement  each advance, and other transaction on your Account. Unless you day of the month, the change will be effective on the 1st day of your  you may be charged an ATM surcharge by the ATM operator or an 
  lost or stolen. You may stop payment on a loan check if you provide  and returned all Cards. notify OnPoint of a billing error as described below, you accept your  next billing cycle following the change. The margin for your Account  ATM network utilized for such a transaction. The ATM surcharge 
  OnPoint with the exact information describing the check. If you monthly statement as an accurate statement of your Account with depends on your credit pro?le and will be set forth in the Account  may be charged to your account if you complete the transaction.
  give OnPoint incorrect information, we will not be responsible for 5. MINIMUM MONTHLY PAYMENT. OnPoint. Disclosure that is provided when your Account is opened, and is
  failing to stop payment. You understand there may be a charge You agree that you will pay each month not less than the minimum incorporated in this Agreement. G. Attorney�s Fees and Costs. If you default on any part of 
  for each stop payment order requested. Our liability for a wrongful monthly payment on or before the scheduled monthly due date. The  8. CIRCUMSTANCES UNDER WHICH AN INTEREST this Agreement, you agree to pay OnPoint all costs to collect your 
  dishonor is limited to your actual charges, however, a dishonor minimum monthly payment will be 2% of your outstanding balance CHARGE WILL BE IMPOSED. B. Introductory or Promotional Rates. At our discretion, we Account, including court costs and reasonable attorney fees and 
  for the reasons stated above is not a wrongful dishonor. Only the (�New Balance�) or $50.00, whichever is greater. If your outstanding  The total outstanding balance of purchases and cash advances in  may offer you an introductory or promotional Annual Percentage collection agency costs whether or not there is a lawsuit, and fees 
  person whose name is printed on a convenience check may sign balance is  $50.00 or less, you agree to pay the balance in full. The  the Account on the closing date of a billing cycle, including any fees  Rate for your Account. Any introductory or promotional Annual on any appeal and fees for bankruptcy proceedings, appeals, and 
  it. All convenience checks must be written in U.S. dollars. We will total minimum payment due each month is the minimum monthly and Interest Charges will be shown on the Periodic Statement for  Percentage Rate will be subject to the terms of the offer and this any post judgment collection services, if applicable. 
  not certify a convenience check. You may write these checks for payment, any amounts past due and any overlimit amounts. You that billing cycle as the �New Balance.� Agreement. We will provide you with information on the offer,
  any amount providing your total outstanding balance does not may pay in full for all your purchases and cash advances each including the time period the introductory or promotional Annual
  exceed your available credit limit and your credit card remains in month, or you may repay in monthly installments. We can accept A. Cash Advances and Balance Transfers. An Interest Charge  Percentage Rate is in effect in the Account Disclosure when you 12. CONDITIONS OF CARD USE.
  good standing. We are entitled to return it unpaid if there is not late payments or partial payments, or checks, drafts, or money will be imposed on cash advances (including balance transfers, open your Account or in other materials that we send to you about The use of your Card and Account are subject to the following
  enough available credit on your account to pay it, if you are in orders marked �payment in full� without prejudice to our rights convenience check advances and overdraft advances) from the the offer after you receive your Credit Card.  conditions:
  default under this Agreement, if your card or convenience checks under this Agreement, which are hereby explicitly reserved. A date each cash advance is made or the ?rst date of the billing cycle 
  have been reported lost or stolen, or if the convenience check is credit posting from a merchant or reversal of fees do not constitute in which the cash advance is posted, whichever is later, until such C.  Default Rate. In the event you are in default of this Agreement  A. Ownership of Cards. Any Card or other credit instrument or
  post-dated. Over-limit fees will be charged as applicable. A VISA a minimum monthly payment. Your payments may be allocated at advances are paid. There is no time period within which to pay or if you have more than one late payment in twelve (12) months device which we supply to you is our property and must be returned 
  convenience check may not be used to make a payment on your the Credit Union�s discretion to pay off lower rate balances, such to avoid a periodic Interest Charge on cash advances, including the Annual Percentage Rate on your entire outstanding balance to OnPoint, or to any person whom we authorize to act as our agent, 
  Account. OnPoint shall have no liability for any convenience check as promotional offers, before higher rate balances, such as cash balance transfers and convenience check cash advances. will be increased by 3.00% above your current variable Annual or to any person who is authorized to honor the Card, immediately
  returned in excess of your credit line. advances or purchases. Payments in excess of the minimum Percentage Rate on the ?rst day of the new billing cycle following  according to instructions. The Card may be repossessed at any
                                  payment will be allocated ?rst to higher rate balances, as applicable.  B. Purchases. An Interest Charge will be imposed on the portion the late payment or notice of default and will continue until you have  time at our sole discretion without demand or notice. You cannot
  C. Overdraft Advances. In the event we have approved overdraft  From time to time, we may allow you to skip your minimum of purchases included in the new balance that remains unpaid 25 six (6) months without any late or insuf?cient minimum payments or  transfer your Card or Account to another person. You may not use
  protection for you, for any overdrafts on a savings or checking monthly payment due. If you choose to skip that payment, Interest days after the closing date. This �grace period� allows you to avoid you satisfy the default condition. the Card for any illegal or unlawful transactions and we may decline 
  account of yours, we will treat the overdraft as a request for a cash Charges will continue to accrue in accordance with this Agreement.  a Interest Charge on purchases for a billing cycle. However, to the to authorize any transaction that we believe poses an undue risk of
  advance on your credit line and we will transfer this amount to your Payments received at: OnPoint Community Credit Union, PO Box extent you do not pay your purchase transactions from the previous  11. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE illegality or unlawfulness.
  overdrawn account. For purposes of this Agreement, an overdraft 60510, City of Ind, CA 91716-0510 at or before 5:00 PM Paci?c  billing cycle within the grace period, your Interest Charge will accrue  IMPOSED.
  advance will be treated as a cash advance. Time on any business day will be credited to your Account as of from the date purchases are posted to your account. We may impose the following fees and charges on your Account: B. Honoring the Card. Neither we nor merchants authorized to
                                  that date; payments received by mail at that address after 5:00 PM                           honor the Card will be responsible for the failure or refusal to honor 
  3. YOU PROMISE TO PAY.          Paci?c Time, on a weekend or federal holiday will be posted to your  9. METHOD USED TO DETERMINE THE BALANCE ON A. Late Fee. If we do not receive your minimum payment within 3 the Card or any other credit instrument or device we supply to you.
  You promise to pay OnPoint all such amounts, plus any Interest Account as of the next business day. Payment crediting to your WHICH THE INTEREST CHARGE MAY BE COMPUTED days of the due date, we may impose a Late Fee of $25.00  If a merchant agrees to give you a refund or adjustment, you agree
  Charges, which arise from use of the Card or Account by you or Account may be delayed up to ?ve days if your payment is received  AND AMOUNT OF INTEREST CHARGE. (balances greater than $1000); $20 (balances $100-$1000); $10 to accept a credit to your Account in lieu of a cash refund.
  any other person, and to be jointly and severally liable with such a by mail at any other address or not accompanied by the remittance We ?gure the Interest Charge on your Account by applying the  (balance $99 or less). If you have more than one late payment in 
  person, unless such other person does not have actual, implied, or portion of your Account statement. Periodic Rate to the �Average Daily Balance� of the account  twelve (12) months your account may be subject to a default Annual  C. Currency Conversion/Foreign Transaction Fee. Purchases 
  apparent authority for such use, and you received no bene?t from  including current purchases and cash advances for your Account.  Percentage Rate as set forth above. and cash advances made in foreign countries will be billed to you
  the use. You promise to pay OnPoint either by direct payment or by  6. SECURITY INTEREST. To get the �Average Daily Balance� we take the beginning purchase  in U.S. dollars. The currency conversion rate for international
  automatic transfers from savings or checking. You grant OnPoint a security interest under the Oregon Uniform and cash advance balances of your Account each day, add any  B. Returned Item Fee. If any check we receive from you as transactions as established by VISA International, Inc. is a rate
                                  Commercial Code in any goods purchased with your Card. You  new purchases and cash advances and subtract any payments  payment on your Account is returned to OnPoint unpaid or for any selected by VISA from the range of rates available in wholesale
  4. CREDIT LINE.                 agree that all collateral you have given OnPoint to secure other  or credits, unpaid Interest Charges and unpaid late charges. The  convenience check drawn on your Account is returned unpaid, we currency markets for the applicable central processing date, which
  This Agreement will constitute a revolving line of credit for an open-end consumer loan obligations (except dwelling-secured  Interest Charge is determined by multiplying the average daily  may impose a Returned Item Fee of $25.00. rate may vary from the rate VISA itself receives, or the government-
  amount, which will be the credit line under your Account. You may loans), in the past and in the future, will secure your obligations  balance by the number of days in the billing cycle and applying  mandated rate in effect for the applicable central processing date.
  access your credit line through Card purchases, cash advances at under this Agreement. In addition, by signing the Card Application,  the Periodic Rate to that amount. No Interest Charge is imposed  C. Card Replacement Fee. We may  impose a  $5.00 card
  participating merchants and loan checks. We will advise you of the you have given OnPoint a security interest in all your deposits, on purchases to the extent payments and credits for purchases  replacement fee for each VISA card, which is lost, stolen, or  D. Notices and Payments. All notices will be sent to your
  amount of your credit line on your statement. That amount will be present and future, and all accounts (except Individual Retirement are made within 25 days of the closing date of the previous billing  damaged. address as shown on your OnPoint account. You agree to advise
  the maximum amount you may have outstanding at any one time. Accounts) with OnPoint. You agree, upon default, OnPoint may cycle. The �Total Interest Charge� shown on your monthly statement  OnPoint promptly if you change your mailing address. All payments 
  You agree not to attempt to obtain more credit than the amount of apply all that is secured to pay any amounts due under this consists of the periodic Interest Charge on purchases and the  D. Annual Fee. There is no annual fee for use of your Card  should be mailed to OnPoint at the remittance address shown on
  your credit line. We retain the right to increase or decrease your Agreement, without further notice to you. You also agree that cross- periodic Interest Charge on cash advances. and account.  your monthly statements. Payments received at that address will be 
  credit line at any time for any reason. Any increase or reduction on collateralization is a condition of receiving your card. credited to your Account as of the date received.
  the limit of your credit line will be shown on your monthly statement 
                2                               3                               4                              5                             6
 B. VISA Convenience Checks. If we approve, you may or by separate notice together with any changes in the applicable  7. MONTHLY STATEMENTS. 10. PERIODIC RATE AND CORRESPONDING ANNUAL E. Miscellaneous Photocopying. If you request a copy of a 
 obtain advances under your Account by writing preprinted VISA minimum monthly payments. Your eligibility for this credit line is  Each month we will send you a statement showing purchases, cash  PERCENTAGE RATE (VARIABLE). sales draft or other document, we may charge your Account $2.00 
 convenience loan checks that we supply to you. Your use of loan determined by our loan policy and may be terminated at our sole  advances, payments, and credits made to your Account during the A. Standard Rates. To obtain the Periodic Rate, we divide the per copy and $25.00 per hour. These charges cover the costs of 
 checks will be shown as cash advances on your monthly statement.  discretion, without demand or notice. You may close your credit line  billing cycle, as well as your �New Balance,� any Interest Charge Annual Percentage Rate by 365. The Annual Percentage Rate may  locating, copying, and delivering the documents to you. If a request 
 We may not honor your loan check if: your check is post-dated; at any time by notifying OnPoint in writing and returning all Cards cut  and any late charge or other charges. Your statement also will change as of the ?rst day of each billing cycle, based on an index  is related to a billing error and an error is found, we will reverse any 
 payment of the check would exceed your Credit Limit; a check is in half. If you terminate this Agreement or if we terminate or suspend  identify the Minimum monthly payment you must make for that which is The Wall Street Journal Western Edition Prime Rate as of photocopying charges.
 signed by a person without authorized access; the amount of the your credit privileges, the provisions of this Agreement and your  billing period and the date it is due. You agree to retain for statement  the 10th day of the month (or next business day if the 10th falls on
 check is less than the minimum required amount; your Account has  liability hereunder shall otherwise remain in full force and effect until  veri?cation copies of transaction slips resulting from each purchase,  a weekend), plus a margin. If the Prime Rate changes on the 10th F. ATM Fees. If you use an ATM to obtain a cash advance  
 been terminated or suspended, or any drafts have been reported you have paid OnPoint all sums due OnPoint under this Agreement  each advance, and other transaction on your Account. Unless you day of the month, the change will be effective on the 1st day of your  you may be charged an ATM surcharge by the ATM operator or an 
 lost or stolen. You may stop payment on a loan check if you provide  and returned all Cards. notify OnPoint of a billing error as described below, you accept your  next billing cycle following the change. The margin for your Account  ATM network utilized for such a transaction. The ATM surcharge 
 OnPoint with the exact information describing the check. If you monthly statement as an accurate statement of your Account with depends on your credit pro?le and will be set forth in the Account  may be charged to your account if you complete the transaction.
 give OnPoint incorrect information, we will not be responsible for 5. MINIMUM MONTHLY PAYMENT. OnPoint. Disclosure that is provided when your Account is opened, and is
 failing to stop payment. You understand there may be a charge You agree that you will pay each month not less than the minimum incorporated in this Agreement. G. Attorney�s Fees and Costs. If you default on any part of 
 for each stop payment order requested. Our liability for a wrongful monthly payment on or before the scheduled monthly due date. The  8. CIRCUMSTANCES UNDER WHICH AN INTEREST this Agreement, you agree to pay OnPoint all costs to collect your 
 dishonor is limited to your actual charges, however, a dishonor minimum monthly payment will be 2% of your outstanding balance CHARGE WILL BE IMPOSED. B. Introductory or Promotional Rates. At our discretion, we Account, including court costs and reasonable attorney fees and 
 for the reasons stated above is not a wrongful dishonor. Only the (�New Balance�) or $50.00, whichever is greater. If your outstanding  The total outstanding balance of purchases and cash advances in  may offer you an introductory or promotional Annual Percentage collection agency costs whether or not there is a lawsuit, and fees 
 person whose name is printed on a convenience check may sign balance is  $50.00 or less, you agree to pay the balance in full. The  the Account on the closing date of a billing cycle, including any fees  Rate for your Account. Any introductory or promotional Annual on any appeal and fees for bankruptcy proceedings, appeals, and 
 it. All convenience checks must be written in U.S. dollars. We will total minimum payment due each month is the minimum monthly and Interest Charges will be shown on the Periodic Statement for  Percentage Rate will be subject to the terms of the offer and this any post judgment collection services, if applicable. 
 not certify a convenience check. You may write these checks for payment, any amounts past due and any overlimit amounts. You that billing cycle as the �New Balance.� Agreement. We will provide you with information on the offer,
 any amount providing your total outstanding balance does not may pay in full for all your purchases and cash advances each including the time period the introductory or promotional Annual
 exceed your available credit limit and your credit card remains in month, or you may repay in monthly installments. We can accept A. Cash Advances and Balance Transfers. An Interest Charge  Percentage Rate is in effect in the Account Disclosure when you 12. CONDITIONS OF CARD USE.
 good standing. We are entitled to return it unpaid if there is not late payments or partial payments, or checks, drafts, or money will be imposed on cash advances (including balance transfers, open your Account or in other materials that we send to you about The use of your Card and Account are subject to the following
 enough available credit on your account to pay it, if you are in orders marked �payment in full� without prejudice to our rights convenience check advances and overdraft advances) from the the offer after you receive your Credit Card.  conditions:
 default under this Agreement, if your card or convenience checks under this Agreement, which are hereby explicitly reserved. A date each cash advance is made or the ?rst date of the billing cycle 
 have been reported lost or stolen, or if the convenience check is credit posting from a merchant or reversal of fees do not constitute in which the cash advance is posted, whichever is later, until such C.  Default Rate. In the event you are in default of this Agreement  A. Ownership of Cards. Any Card or other credit instrument or
 post-dated. Over-limit fees will be charged as applicable. A VISA a minimum monthly payment. Your payments may be allocated at advances are paid. There is no time period within which to pay or if you have more than one late payment in twelve (12) months device which we supply to you is our property and must be returned 
 convenience check may not be used to make a payment on your the Credit Union�s discretion to pay off lower rate balances, such to avoid a periodic Interest Charge on cash advances, including the Annual Percentage Rate on your entire outstanding balance to OnPoint, or to any person whom we authorize to act as our agent, 
 Account. OnPoint shall have no liability for any convenience check as promotional offers, before higher rate balances, such as cash balance transfers and convenience check cash advances. will be increased by 3.00% above your current variable Annual or to any person who is authorized to honor the Card, immediately
 returned in excess of your credit line. advances or purchases. Payments in excess of the minimum Percentage Rate on the ?rst day of the new billing cycle following  according to instructions. The Card may be repossessed at any
  payment will be allocated ?rst to higher rate balances, as applicable.  B. Purchases. An Interest Charge will be imposed on the portion the late payment or notice of default and will continue until you have  time at our sole discretion without demand or notice. You cannot
 C. Overdraft Advances. In the event we have approved overdraft  From time to time, we may allow you to skip your minimum of purchases included in the new balance that remains unpaid 25 six (6) months without any late or insuf?cient minimum payments or  transfer your Card or Account to another person. You may not use
 protection for you, for any overdrafts on a savings or checking monthly payment due. If you choose to skip that payment, Interest days after the closing date. This �grace period� allows you to avoid you satisfy the default condition. the Card for any illegal or unlawful transactions and we may decline 
 account of yours, we will treat the overdraft as a request for a cash Charges will continue to accrue in accordance with this Agreement.  a Interest Charge on purchases for a billing cycle. However, to the to authorize any transaction that we believe poses an undue risk of
 advance on your credit line and we will transfer this amount to your Payments received at: OnPoint Community Credit Union, PO Box extent you do not pay your purchase transactions from the previous  11. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE illegality or unlawfulness.
 overdrawn account. For purposes of this Agreement, an overdraft 60510, City of Ind, CA 91716-0510 at or before 5:00 PM Paci?c  billing cycle within the grace period, your Interest Charge will accrue  IMPOSED.
 advance will be treated as a cash advance. Time on any business day will be credited to your Account as of from the date purchases are posted to your account. We may impose the following fees and charges on your Account: B. Honoring the Card. Neither we nor merchants authorized to
  that date; payments received by mail at that address after 5:00 PM                           honor the Card will be responsible for the failure or refusal to honor 
 3. YOU PROMISE TO PAY. Paci?c Time, on a weekend or federal holiday will be posted to your  9. METHOD USED TO DETERMINE THE BALANCE ON A. Late Fee. If we do not receive your minimum payment within 3 the Card or any other credit instrument or device we supply to you.
 You promise to pay OnPoint all such amounts, plus any Interest Account as of the next business day. Payment crediting to your WHICH THE INTEREST CHARGE MAY BE COMPUTED days of the due date, we may impose a Late Fee of $25.00  If a merchant agrees to give you a refund or adjustment, you agree
 Charges, which arise from use of the Card or Account by you or Account may be delayed up to ?ve days if your payment is received  AND AMOUNT OF INTEREST CHARGE. (balances greater than $1000); $20 (balances $100-$1000); $10 to accept a credit to your Account in lieu of a cash refund.
 any other person, and to be jointly and severally liable with such a by mail at any other address or not accompanied by the remittance We ?gure the Interest Charge on your Account by applying the  (balance $99 or less). If you have more than one late payment in 
 person, unless such other person does not have actual, implied, or portion of your Account statement. Periodic Rate to the �Average Daily Balance� of the account  twelve (12) months your account may be subject to a default Annual  C. Currency Conversion/Foreign Transaction Fee. Purchases 
 apparent authority for such use, and you received no bene?t from  including current purchases and cash advances for your Account.  Percentage Rate as set forth above. and cash advances made in foreign countries will be billed to you
 the use. You promise to pay OnPoint either by direct payment or by  6. SECURITY INTEREST. To get the �Average Daily Balance� we take the beginning purchase  in U.S. dollars. The currency conversion rate for international
 automatic transfers from savings or checking. You grant OnPoint a security interest under the Oregon Uniform and cash advance balances of your Account each day, add any  B. Returned Item Fee. If any check we receive from you as transactions as established by VISA International, Inc. is a rate
  Commercial Code in any goods purchased with your Card. You  new purchases and cash advances and subtract any payments  payment on your Account is returned to OnPoint unpaid or for any selected by VISA from the range of rates available in wholesale
 4. CREDIT LINE. agree that all collateral you have given OnPoint to secure other  or credits, unpaid Interest Charges and unpaid late charges. The  convenience check drawn on your Account is returned unpaid, we currency markets for the applicable central processing date, which
 This Agreement will constitute a revolving line of credit for an open-end consumer loan obligations (except dwelling-secured  Interest Charge is determined by multiplying the average daily  may impose a Returned Item Fee of $25.00. rate may vary from the rate VISA itself receives, or the government-
 amount, which will be the credit line under your Account. You may loans), in the past and in the future, will secure your obligations  balance by the number of days in the billing cycle and applying  mandated rate in effect for the applicable central processing date.
 access your credit line through Card purchases, cash advances at under this Agreement. In addition, by signing the Card Application,  the Periodic Rate to that amount. No Interest Charge is imposed  C. Card Replacement Fee. We may  impose a  $5.00 card
 participating merchants and loan checks. We will advise you of the you have given OnPoint a security interest in all your deposits, on purchases to the extent payments and credits for purchases  replacement fee for each VISA card, which is lost, stolen, or  D. Notices and Payments. All notices will be sent to your
 amount of your credit line on your statement. That amount will be present and future, and all accounts (except Individual Retirement are made within 25 days of the closing date of the previous billing  damaged. address as shown on your OnPoint account. You agree to advise
 the maximum amount you may have outstanding at any one time. Accounts) with OnPoint. You agree, upon default, OnPoint may cycle. The �Total Interest Charge� shown on your monthly statement  OnPoint promptly if you change your mailing address. All payments 
 You agree not to attempt to obtain more credit than the amount of apply all that is secured to pay any amounts due under this consists of the periodic Interest Charge on purchases and the  D. Annual Fee. There is no annual fee for use of your Card  should be mailed to OnPoint at the remittance address shown on
 your credit line. We retain the right to increase or decrease your Agreement, without further notice to you. You also agree that cross- periodic Interest Charge on cash advances. and account.  your monthly statements. Payments received at that address will be 
 credit line at any time for any reason. Any increase or reduction on collateralization is a condition of receiving your card. credited to your Account as of the date received.
 the limit of your credit line will be shown on your monthly statement 
 2              3                               4                              5                             6
 B. VISA Convenience Checks. If we approve, you may or by separate notice together with any changes in the applicable  7. MONTHLY STATEMENTS. 10. PERIODIC RATE AND CORRESPONDING ANNUAL E. Miscellaneous Photocopying. If you request a copy of a 
 obtain advances under your Account by writing preprinted VISA minimum monthly payments. Your eligibility for this credit line is  Each month we will send you a statement showing purchases, cash  PERCENTAGE RATE (VARIABLE). sales draft or other document, we may charge your Account $2.00 
 convenience loan checks that we supply to you. Your use of loan determined by our loan policy and may be terminated at our sole  advances, payments, and credits made to your Account during the A. Standard Rates. To obtain the Periodic Rate, we divide the per copy and $25.00 per hour. These charges cover the costs of 
 checks will be shown as cash advances on your monthly statement.  discretion, without demand or notice. You may close your credit line  billing cycle, as well as your �New Balance,� any Interest Charge Annual Percentage Rate by 365. The Annual Percentage Rate may  locating, copying, and delivering the documents to you. If a request 
 We may not honor your loan check if: your check is post-dated; at any time by notifying OnPoint in writing and returning all Cards cut  and any late charge or other charges. Your statement also will change as of the ?rst day of each billing cycle, based on an index  is related to a billing error and an error is found, we will reverse any 
 payment of the check would exceed your Credit Limit; a check is in half. If you terminate this Agreement or if we terminate or suspend  identify the Minimum monthly payment you must make for that which is The Wall Street Journal Western Edition Prime Rate as of photocopying charges.
 signed by a person without authorized access; the amount of the your credit privileges, the provisions of this Agreement and your  billing period and the date it is due. You agree to retain for statement  the 10th day of the month (or next business day if the 10th falls on
 check is less than the minimum required amount; your Account has  liability hereunder shall otherwise remain in full force and effect until  veri?cation copies of transaction slips resulting from each purchase,  a weekend), plus a margin. If the Prime Rate changes on the 10th F. ATM Fees. If you use an ATM to obtain a cash advance  
 been terminated or suspended, or any drafts have been reported you have paid OnPoint all sums due OnPoint under this Agreement  each advance, and other transaction on your Account. Unless you day of the month, the change will be effective on the 1st day of your  you may be charged an ATM surcharge by the ATM operator or an 
 lost or stolen. You may stop payment on a loan check if you provide  and returned all Cards. notify OnPoint of a billing error as described below, you accept your  next billing cycle following the change. The margin for your Account  ATM network utilized for such a transaction. The ATM surcharge 
 OnPoint with the exact information describing the check. If you monthly statement as an accurate statement of your Account with depends on your credit pro?le and will be set forth in the Account  may be charged to your account if you complete the transaction.
 give OnPoint incorrect information, we will not be responsible for 5. MINIMUM MONTHLY PAYMENT. OnPoint. Disclosure that is provided when your Account is opened, and is
 failing to stop payment. You understand there may be a charge You agree that you will pay each month not less than the minimum incorporated in this Agreement. G. Attorney�s Fees and Costs. If you default on any part of 
 for each stop payment order requested. Our liability for a wrongful monthly payment on or before the scheduled monthly due date. The  8. CIRCUMSTANCES UNDER WHICH AN INTEREST this Agreement, you agree to pay OnPoint all costs to collect your 
 dishonor is limited to your actual charges, however, a dishonor minimum monthly payment will be 2% of your outstanding balance CHARGE WILL BE IMPOSED. B. Introductory or Promotional Rates. At our discretion, we Account, including court costs and reasonable attorney fees and 
 for the reasons stated above is not a wrongful dishonor. Only the (�New Balance�) or $50.00, whichever is greater. If your outstanding  The total outstanding balance of purchases and cash advances in  may offer you an introductory or promotional Annual Percentage collection agency costs whether or not there is a lawsuit, and fees 
 person whose name is printed on a convenience check may sign balance is  $50.00 or less, you agree to pay the balance in full. The  the Account on the closing date of a billing cycle, including any fees  Rate for your Account. Any introductory or promotional Annual on any appeal and fees for bankruptcy proceedings, appeals, and 
 it. All convenience checks must be written in U.S. dollars. We will total minimum payment due each month is the minimum monthly and Interest Charges will be shown on the Periodic Statement for  Percentage Rate will be subject to the terms of the offer and this any post judgment collection services, if applicable. 
 not certify a convenience check. You may write these checks for payment, any amounts past due and any overlimit amounts. You that billing cycle as the �New Balance.� Agreement. We will provide you with information on the offer,
 any amount providing your total outstanding balance does not may pay in full for all your purchases and cash advances each including the time period the introductory or promotional Annual
 exceed your available credit limit and your credit card remains in month, or you may repay in monthly installments. We can accept A. Cash Advances and Balance Transfers. An Interest Charge  Percentage Rate is in effect in the Account Disclosure when you 12. CONDITIONS OF CARD USE.
 good standing. We are entitled to return it unpaid if there is not late payments or partial payments, or checks, drafts, or money will be imposed on cash advances (including balance transfers, open your Account or in other materials that we send to you about The use of your Card and Account are subject to the following
 enough available credit on your account to pay it, if you are in orders marked �payment in full� without prejudice to our rights convenience check advances and overdraft advances) from the the offer after you receive your Credit Card.  conditions:
 default under this Agreement, if your card or convenience checks under this Agreement, which are hereby explicitly reserved. A date each cash advance is made or the ?rst date of the billing cycle 
 have been reported lost or stolen, or if the convenience check is credit posting from a merchant or reversal of fees do not constitute in which the cash advance is posted, whichever is later, until such C.  Default Rate. In the event you are in default of this Agreement  A. Ownership of Cards. Any Card or other credit instrument or
 post-dated. Over-limit fees will be charged as applicable. A VISA a minimum monthly payment. Your payments may be allocated at advances are paid. There is no time period within which to pay or if you have more than one late payment in twelve (12) months device which we supply to you is our property and must be returned 
 convenience check may not be used to make a payment on your the Credit Union�s discretion to pay off lower rate balances, such to avoid a periodic Interest Charge on cash advances, including the Annual Percentage Rate on your entire outstanding balance to OnPoint, or to any person whom we authorize to act as our agent, 
 Account. OnPoint shall have no liability for any convenience check as promotional offers, before higher rate balances, such as cash balance transfers and convenience check cash advances. will be increased by 3.00% above your current variable Annual or to any person who is authorized to honor the Card, immediately
 returned in excess of your credit line. advances or purchases. Payments in excess of the minimum Percentage Rate on the ?rst day of the new billing cycle following  according to instructions. The Card may be repossessed at any
 payment will be allocated ?rst to higher rate balances, as applicable.  B. Purchases. An Interest Charge will be imposed on the portion the late payment or notice of default and will continue until you have  time at our sole discretion without demand or notice. You cannot
 C. Overdraft Advances. In the event we have approved overdraft  From time to time, we may allow you to skip your minimum of purchases included in the new balance that remains unpaid 25 six (6) months without any late or insuf?cient minimum payments or  transfer your Card or Account to another person. You may not use
 protection for you, for any overdrafts on a savings or checking monthly payment due. If you choose to skip that payment, Interest days after the closing date. This �grace period� allows you to avoid you satisfy the default condition. the Card for any illegal or unlawful transactions and we may decline 
 account of yours, we will treat the overdraft as a request for a cash Charges will continue to accrue in accordance with this Agreement.  a Interest Charge on purchases for a billing cycle. However, to the to authorize any transaction that we believe poses an undue risk of
 advance on your credit line and we will transfer this amount to your Payments received at: OnPoint Community Credit Union, PO Box extent you do not pay your purchase transactions from the previous  11. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE illegality or unlawfulness.
 overdrawn account. For purposes of this Agreement, an overdraft 60510, City of Ind, CA 91716-0510 at or before 5:00 PM Paci?c  billing cycle within the grace period, your Interest Charge will accrue  IMPOSED.
 advance will be treated as a cash advance. Time on any business day will be credited to your Account as of from the date purchases are posted to your account. We may impose the following fees and charges on your Account: B. Honoring the Card. Neither we nor merchants authorized to
 that date; payments received by mail at that address after 5:00 PM honor the Card will be responsible for the failure or refusal to honor 
 3. YOU PROMISE TO PAY. Paci?c Time, on a weekend or federal holiday will be posted to your  9. METHOD USED TO DETERMINE THE BALANCE ON A. Late Fee. If we do not receive your minimum payment within 3 the Card or any other credit instrument or device we supply to you.
 You promise to pay OnPoint all such amounts, plus any Interest Account as of the next business day. Payment crediting to your WHICH THE INTEREST CHARGE MAY BE COMPUTED days of the due date, we may impose a Late Fee of $25.00  If a merchant agrees to give you a refund or adjustment, you agree
 Charges, which arise from use of the Card or Account by you or Account may be delayed up to ?ve days if your payment is received  AND AMOUNT OF INTEREST CHARGE. (balances greater than $1000); $20 (balances $100-$1000); $10 to accept a credit to your Account in lieu of a cash refund.
 any other person, and to be jointly and severally liable with such a by mail at any other address or not accompanied by the remittance We ?gure the Interest Charge on your Account by applying the  (balance $99 or less). If you have more than one late payment in 
 person, unless such other person does not have actual, implied, or portion of your Account statement. Periodic Rate to the �Average Daily Balance� of the account  twelve (12) months your account may be subject to a default Annual  C. Currency Conversion/Foreign Transaction Fee. Purchases 
 apparent authority for such use, and you received no bene?t from  including current purchases and cash advances for your Account.  Percentage Rate as set forth above. and cash advances made in foreign countries will be billed to you
 the use. You promise to pay OnPoint either by direct payment or by  6. SECURITY INTEREST. To get the �Average Daily Balance� we take the beginning purchase  in U.S. dollars. The currency conversion rate for international
 automatic transfers from savings or checking. You grant OnPoint a security interest under the Oregon Uniform and cash advance balances of your Account each day, add any  B. Returned Item Fee. If any check we receive from you as transactions as established by VISA International, Inc. is a rate
 Commercial Code in any goods purchased with your Card. You  new purchases and cash advances and subtract any payments  payment on your Account is returned to OnPoint unpaid or for any selected by VISA from the range of rates available in wholesale
 4. CREDIT LINE. agree that all collateral you have given OnPoint to secure other  or credits, unpaid Interest Charges and unpaid late charges. The  convenience check drawn on your Account is returned unpaid, we currency markets for the applicable central processing date, which
 This Agreement will constitute a revolving line of credit for an open-end consumer loan obligations (except dwelling-secured  Interest Charge is determined by multiplying the average daily  may impose a Returned Item Fee of $25.00. rate may vary from the rate VISA itself receives, or the government-
 amount, which will be the credit line under your Account. You may loans), in the past and in the future, will secure your obligations  balance by the number of days in the billing cycle and applying  mandated rate in effect for the applicable central processing date.
 access your credit line through Card purchases, cash advances at under this Agreement. In addition, by signing the Card Application,  the Periodic Rate to that amount. No Interest Charge is imposed  C. Card Replacement Fee. We may  impose a  $5.00 card
 participating merchants and loan checks. We will advise you of the you have given OnPoint a security interest in all your deposits, on purchases to the extent payments and credits for purchases  replacement fee for each VISA card, which is lost, stolen, or  D. Notices and Payments. All notices will be sent to your
 amount of your credit line on your statement. That amount will be present and future, and all accounts (except Individual Retirement are made within 25 days of the closing date of the previous billing  damaged. address as shown on your OnPoint account. You agree to advise
 the maximum amount you may have outstanding at any one time. Accounts) with OnPoint. You agree, upon default, OnPoint may cycle. The �Total Interest Charge� shown on your monthly statement  OnPoint promptly if you change your mailing address. All payments 
 You agree not to attempt to obtain more credit than the amount of apply all that is secured to pay any amounts due under this consists of the periodic Interest Charge on purchases and the  D. Annual Fee. There is no annual fee for use of your Card  should be mailed to OnPoint at the remittance address shown on
 your credit line. We retain the right to increase or decrease your Agreement, without further notice to you. You also agree that cross- periodic Interest Charge on cash advances. and account.  your monthly statements. Payments received at that address will be 
 credit line at any time for any reason. Any increase or reduction on collateralization is a condition of receiving your card. credited to your Account as of the date received.
 the limit of your credit line will be shown on your monthly statement 
 2 3            4                              5                             6
 B. VISA Convenience Checks. If we approve, you may or by separate notice together with any changes in the applicable  7. MONTHLY STATEMENTS. 10. PERIODIC RATE AND CORRESPONDING ANNUAL E. Miscellaneous Photocopying. If you request a copy of a 
 obtain advances under your Account by writing preprinted VISA minimum monthly payments. Your eligibility for this credit line is  Each month we will send you a statement showing purchases, cash  PERCENTAGE RATE (VARIABLE). sales draft or other document, we may charge your Account $2.00 
 convenience loan checks that we supply to you. Your use of loan determined by our loan policy and may be terminated at our sole  advances, payments, and credits made to your Account during the A. Standard Rates. To obtain the Periodic Rate, we divide the per copy and $25.00 per hour. These charges cover the costs of 
 checks will be shown as cash advances on your monthly statement.  discretion, without demand or notice. You may close your credit line  billing cycle, as well as your �New Balance,� any Interest Charge Annual Percentage Rate by 365. The Annual Percentage Rate may  locating, copying, and delivering the documents to you. If a request 
 We may not honor your loan check if: your check is post-dated; at any time by notifying OnPoint in writing and returning all Cards cut  and any late charge or other charges. Your statement also will change as of the ?rst day of each billing cycle, based on an index  is related to a billing error and an error is found, we will reverse any 
 payment of the check would exceed your Credit Limit; a check is in half. If you terminate this Agreement or if we terminate or suspend  identify the Minimum monthly payment you must make for that which is The Wall Street Journal Western Edition Prime Rate as of photocopying charges.
 signed by a person without authorized access; the amount of the your credit privileges, the provisions of this Agreement and your  billing period and the date it is due. You agree to retain for statement  the 10th day of the month (or next business day if the 10th falls on
 check is less than the minimum required amount; your Account has  liability hereunder shall otherwise remain in full force and effect until  veri?cation copies of transaction slips resulting from each purchase,  a weekend), plus a margin. If the Prime Rate changes on the 10th F. ATM Fees. If you use an ATM to obtain a cash advance  
 been terminated or suspended, or any drafts have been reported you have paid OnPoint all sums due OnPoint under this Agreement  each advance, and other transaction on your Account. Unless you day of the month, the change will be effective on the 1st day of your  you may be charged an ATM surcharge by the ATM operator or an 
 lost or stolen. You may stop payment on a loan check if you provide  and returned all Cards. notify OnPoint of a billing error as described below, you accept your  next billing cycle following the change. The margin for your Account  ATM network utilized for such a transaction. The ATM surcharge 
 OnPoint with the exact information describing the check. If you monthly statement as an accurate statement of your Account with depends on your credit pro?le and will be set forth in the Account  may be charged to your account if you complete the transaction.
 give OnPoint incorrect information, we will not be responsible for 5. MINIMUM MONTHLY PAYMENT. OnPoint. Disclosure that is provided when your Account is opened, and is
 failing to stop payment. You understand there may be a charge You agree that you will pay each month not less than the minimum incorporated in this Agreement. G. Attorney�s Fees and Costs. If you default on any part of 
 for each stop payment order requested. Our liability for a wrongful monthly payment on or before the scheduled monthly due date. The  8. CIRCUMSTANCES UNDER WHICH AN INTEREST this Agreement, you agree to pay OnPoint all costs to collect your 
 dishonor is limited to your actual charges, however, a dishonor minimum monthly payment will be 2% of your outstanding balance CHARGE WILL BE IMPOSED. B. Introductory or Promotional Rates. At our discretion, we Account, including court costs and reasonable attorney fees and 
 for the reasons stated above is not a wrongful dishonor. Only the (�New Balance�) or $50.00, whichever is greater. If your outstanding  The total outstanding balance of purchases and cash advances in  may offer you an introductory or promotional Annual Percentage collection agency costs whether or not there is a lawsuit, and fees 
 person whose name is printed on a convenience check may sign balance is  $50.00 or less, you agree to pay the balance in full. The  the Account on the closing date of a billing cycle, including any fees  Rate for your Account. Any introductory or promotional Annual on any appeal and fees for bankruptcy proceedings, appeals, and 
 it. All convenience checks must be written in U.S. dollars. We will total minimum payment due each month is the minimum monthly and Interest Charges will be shown on the Periodic Statement for  Percentage Rate will be subject to the terms of the offer and this any post judgment collection services, if applicable. 
 not certify a convenience check. You may write these checks for payment, any amounts past due and any overlimit amounts. You that billing cycle as the �New Balance.� Agreement. We will provide you with information on the offer,
 any amount providing your total outstanding balance does not may pay in full for all your purchases and cash advances each including the time period the introductory or promotional Annual
 exceed your available credit limit and your credit card remains in month, or you may repay in monthly installments. We can accept A. Cash Advances and Balance Transfers. An Interest Charge  Percentage Rate is in effect in the Account Disclosure when you 12. CONDITIONS OF CARD USE.
 good standing. We are entitled to return it unpaid if there is not late payments or partial payments, or checks, drafts, or money will be imposed on cash advances (including balance transfers, open your Account or in other materials that we send to you about The use of your Card and Account are subject to the following
 enough available credit on your account to pay it, if you are in orders marked �payment in full� without prejudice to our rights convenience check advances and overdraft advances) from the the offer after you receive your Credit Card.  conditions:
 default under this Agreement, if your card or convenience checks under this Agreement, which are hereby explicitly reserved. A date each cash advance is made or the ?rst date of the billing cycle 
 have been reported lost or stolen, or if the convenience check is credit posting from a merchant or reversal of fees do not constitute in which the cash advance is posted, whichever is later, until such C.  Default Rate. In the event you are in default of this Agreement  A. Ownership of Cards. Any Card or other credit instrument or
 post-dated. Over-limit fees will be charged as applicable. A VISA a minimum monthly payment. Your payments may be allocated at advances are paid. There is no time period within which to pay or if you have more than one late payment in twelve (12) months device which we supply to you is our property and must be returned 
 convenience check may not be used to make a payment on your the Credit Union�s discretion to pay off lower rate balances, such to avoid a periodic Interest Charge on cash advances, including the Annual Percentage Rate on your entire outstanding balance to OnPoint, or to any person whom we authorize to act as our agent, 
 Account. OnPoint shall have no liability for any convenience check as promotional offers, before higher rate balances, such as cash balance transfers and convenience check cash advances. will be increased by 3.00% above your current variable Annual or to any person who is authorized to honor the Card, immediately
 returned in excess of your credit line. advances or purchases. Payments in excess of the minimum Percentage Rate on the ?rst day of the new billing cycle following  according to instructions. The Card may be repossessed at any
 payment will be allocated ?rst to higher rate balances, as applicable.  B. Purchases. An Interest Charge will be imposed on the portion the late payment or notice of default and will continue until you have  time at our sole discretion without demand or notice. You cannot
 C. Overdraft Advances. In the event we have approved overdraft  From time to time, we may allow you to skip your minimum of purchases included in the new balance that remains unpaid 25 six (6) months without any late or insuf?cient minimum payments or  transfer your Card or Account to another person. You may not use
 protection for you, for any overdrafts on a savings or checking monthly payment due. If you choose to skip that payment, Interest days after the closing date. This �grace period� allows you to avoid you satisfy the default condition. the Card for any illegal or unlawful transactions and we may decline 
 account of yours, we will treat the overdraft as a request for a cash Charges will continue to accrue in accordance with this Agreement.  a Interest Charge on purchases for a billing cycle. However, to the to authorize any transaction that we believe poses an undue risk of
 advance on your credit line and we will transfer this amount to your Payments received at: OnPoint Community Credit Union, PO Box extent you do not pay your purchase transactions from the previous  11. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE illegality or unlawfulness.
 overdrawn account. For purposes of this Agreement, an overdraft 60510, City of Ind, CA 91716-0510 at or before 5:00 PM Paci?c  billing cycle within the grace period, your Interest Charge will accrue  IMPOSED.
 advance will be treated as a cash advance. Time on any business day will be credited to your Account as of from the date purchases are posted to your account. We may impose the following fees and charges on your Account: B. Honoring the Card. Neither we nor merchants authorized to
 that date; payments received by mail at that address after 5:00 PM honor the Card will be responsible for the failure or refusal to honor 
 3. YOU PROMISE TO PAY. Paci?c Time, on a weekend or federal holiday will be posted to your  9. METHOD USED TO DETERMINE THE BALANCE ON A. Late Fee. If we do not receive your minimum payment within 3 the Card or any other credit instrument or device we supply to you.
 You promise to pay OnPoint all such amounts, plus any Interest Account as of the next business day. Payment crediting to your WHICH THE INTEREST CHARGE MAY BE COMPUTED days of the due date, we may impose a Late Fee of $25.00  If a merchant agrees to give you a refund or adjustment, you agree
 Charges, which arise from use of the Card or Account by you or Account may be delayed up to ?ve days if your payment is received  AND AMOUNT OF INTEREST CHARGE. (balances greater than $1000); $20 (balances $100-$1000); $10 to accept a credit to your Account in lieu of a cash refund.
 any other person, and to be jointly and severally liable with such a by mail at any other address or not accompanied by the remittance We ?gure the Interest Charge on your Account by applying the  (balance $99 or less). If you have more than one late payment in 
 person, unless such other person does not have actual, implied, or portion of your Account statement. Periodic Rate to the �Average Daily Balance� of the account  twelve (12) months your account may be subject to a default Annual  C. Currency Conversion/Foreign Transaction Fee. Purchases 
 apparent authority for such use, and you received no bene?t from  including current purchases and cash advances for your Account.  Percentage Rate as set forth above. and cash advances made in foreign countries will be billed to you
 the use. You promise to pay OnPoint either by direct payment or by  6. SECURITY INTEREST. To get the �Average Daily Balance� we take the beginning purchase  in U.S. dollars. The currency conversion rate for international
 automatic transfers from savings or checking. You grant OnPoint a security interest under the Oregon Uniform and cash advance balances of your Account each day, add any  B. Returned Item Fee. If any check we receive from you as transactions as established by VISA International, Inc. is a rate
 Commercial Code in any goods purchased with your Card. You  new purchases and cash advances and subtract any payments  payment on your Account is returned to OnPoint unpaid or for any selected by VISA from the range of rates available in wholesale
 4. CREDIT LINE. agree that all collateral you have given OnPoint to secure other  or credits, unpaid Interest Charges and unpaid late charges. The  convenience check drawn on your Account is returned unpaid, we currency markets for the applicable central processing date, which
 This Agreement will constitute a revolving line of credit for an open-end consumer loan obligations (except dwelling-secured  Interest Charge is determined by multiplying the average daily  may impose a Returned Item Fee of $25.00. rate may vary from the rate VISA itself receives, or the government-
 amount, which will be the credit line under your Account. You may loans), in the past and in the future, will secure your obligations  balance by the number of days in the billing cycle and applying  mandated rate in effect for the applicable central processing date.
 access your credit line through Card purchases, cash advances at under this Agreement. In addition, by signing the Card Application,  the Periodic Rate to that amount. No Interest Charge is imposed  C. Card Replacement Fee. We may  impose a  $5.00 card
 participating merchants and loan checks. We will advise you of the you have given OnPoint a security interest in all your deposits, on purchases to the extent payments and credits for purchases  replacement fee for each VISA card, which is lost, stolen, or  D. Notices and Payments. All notices will be sent to your
 amount of your credit line on your statement. That amount will be present and future, and all accounts (except Individual Retirement are made within 25 days of the closing date of the previous billing  damaged. address as shown on your OnPoint account. You agree to advise
 the maximum amount you may have outstanding at any one time. Accounts) with OnPoint. You agree, upon default, OnPoint may cycle. The �Total Interest Charge� shown on your monthly statement  OnPoint promptly if you change your mailing address. All payments 
 You agree not to attempt to obtain more credit than the amount of apply all that is secured to pay any amounts due under this consists of the periodic Interest Charge on purchases and the  D. Annual Fee. There is no annual fee for use of your Card  should be mailed to OnPoint at the remittance address shown on
 your credit line. We retain the right to increase or decrease your Agreement, without further notice to you. You also agree that cross- periodic Interest Charge on cash advances. and account.  your monthly statements. Payments received at that address will be 
 credit line at any time for any reason. Any increase or reduction on collateralization is a condition of receiving your card. credited to your Account as of the date received.
 the limit of your credit line will be shown on your monthly statement 
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 B. VISA Convenience Checks. If we approve, you may or by separate notice together with any changes in the applicable  7. MONTHLY STATEMENTS. 10. PERIODIC RATE AND CORRESPONDING ANNUAL E. Miscellaneous Photocopying. If you request a copy of a 
 obtain advances under your Account by writing preprinted VISA minimum monthly payments. Your eligibility for this credit line is  Each month we will send you a statement showing purchases, cash  PERCENTAGE RATE (VARIABLE). sales draft or other document, we may charge your Account $2.00 
 convenience loan checks that we supply to you. Your use of loan determined by our loan policy and may be terminated at our sole  advances, payments, and credits made to your Account during the A. Standard Rates. To obtain the Periodic Rate, we divide the per copy and $25.00 per hour. These charges cover the costs of 
 checks will be shown as cash advances on your monthly statement.  discretion, without demand or notice. You may close your credit line  billing cycle, as well as your �New Balance,� any Interest Charge Annual Percentage Rate by 365. The Annual Percentage Rate may  locating, copying, and delivering the documents to you. If a request 
 We may not honor your loan check if: your check is post-dated; at any time by notifying OnPoint in writing and returning all Cards cut  and any late charge or other charges. Your statement also will change as of the ?rst day of each billing cycle, based on an index  is related to a billing error and an error is found, we will reverse any 
 payment of the check would exceed your Credit Limit; a check is in half. If you terminate this Agreement or if we terminate or suspend  identify the Minimum monthly payment you must make for that which is The Wall Street Journal Western Edition Prime Rate as of photocopying charges.
 signed by a person without authorized access; the amount of the your credit privileges, the provisions of this Agreement and your  billing period and the date it is due. You agree to retain for statement  the 10th day of the month (or next business day if the 10th falls on
 check is less than the minimum required amount; your Account has  liability hereunder shall otherwise remain in full force and effect until  veri?cation copies of transaction slips resulting from each purchase,  a weekend), plus a margin. If the Prime Rate changes on the 10th F. ATM Fees. If you use an ATM to obtain a cash advance  
 been terminated or suspended, or any drafts have been reported you have paid OnPoint all sums due OnPoint under this Agreement  each advance, and other transaction on your Account. Unless you day of the month, the change will be effective on the 1st day of your  you may be charged an ATM surcharge by the ATM operator or an 
 lost or stolen. You may stop payment on a loan check if you provide  and returned all Cards. notify OnPoint of a billing error as described below, you accept your  next billing cycle following the change. The margin for your Account  ATM network utilized for such a transaction. The ATM surcharge 
 OnPoint with the exact information describing the check. If you monthly statement as an accurate statement of your Account with depends on your credit pro?le and will be set forth in the Account  may be charged to your account if you complete the transaction.
 give OnPoint incorrect information, we will not be responsible for 5. MINIMUM MONTHLY PAYMENT. OnPoint. Disclosure that is provided when your Account is opened, and is
 failing to stop payment. You understand there may be a charge You agree that you will pay each month not less than the minimum incorporated in this Agreement. G. Attorney�s Fees and Costs. If you default on any part of 
 for each stop payment order requested. Our liability for a wrongful monthly payment on or before the scheduled monthly due date. The  8. CIRCUMSTANCES UNDER WHICH AN INTEREST this Agreement, you agree to pay OnPoint all costs to collect your 
 dishonor is limited to your actual charges, however, a dishonor minimum monthly payment will be 2% of your outstanding balance CHARGE WILL BE IMPOSED. B. Introductory or Promotional Rates. At our discretion, we Account, including court costs and reasonable attorney fees and 
 for the reasons stated above is not a wrongful dishonor. Only the (�New Balance�) or $50.00, whichever is greater. If your outstanding  The total outstanding balance of purchases and cash advances in  may offer you an introductory or promotional Annual Percentage collection agency costs whether or not there is a lawsuit, and fees 
 person whose name is printed on a convenience check may sign balance is  $50.00 or less, you agree to pay the balance in full. The  the Account on the closing date of a billing cycle, including any fees  Rate for your Account. Any introductory or promotional Annual on any appeal and fees for bankruptcy proceedings, appeals, and 
 it. All convenience checks must be written in U.S. dollars. We will total minimum payment due each month is the minimum monthly and Interest Charges will be shown on the Periodic Statement for  Percentage Rate will be subject to the terms of the offer and this any post judgment collection services, if applicable. 
 not certify a convenience check. You may write these checks for payment, any amounts past due and any overlimit amounts. You that billing cycle as the �New Balance.� Agreement. We will provide you with information on the offer,
 any amount providing your total outstanding balance does not may pay in full for all your purchases and cash advances each including the time period the introductory or promotional Annual
 exceed your available credit limit and your credit card remains in month, or you may repay in monthly installments. We can accept A. Cash Advances and Balance Transfers. An Interest Charge  Percentage Rate is in effect in the Account Disclosure when you 12. CONDITIONS OF CARD USE.
 good standing. We are entitled to return it unpaid if there is not late payments or partial payments, or checks, drafts, or money will be imposed on cash advances (including balance transfers, open your Account or in other materials that we send to you about The use of your Card and Account are subject to the following
 enough available credit on your account to pay it, if you are in orders marked �payment in full� without prejudice to our rights convenience check advances and overdraft advances) from the the offer after you receive your Credit Card.  conditions:
 default under this Agreement, if your card or convenience checks under this Agreement, which are hereby explicitly reserved. A date each cash advance is made or the ?rst date of the billing cycle 
 have been reported lost or stolen, or if the convenience check is credit posting from a merchant or reversal of fees do not constitute in which the cash advance is posted, whichever is later, until such C.  Default Rate. In the event you are in default of this Agreement  A. Ownership of Cards. Any Card or other credit instrument or
 post-dated. Over-limit fees will be charged as applicable. A VISA a minimum monthly payment. Your payments may be allocated at advances are paid. There is no time period within which to pay or if you have more than one late payment in twelve (12) months device which we supply to you is our property and must be returned 
 convenience check may not be used to make a payment on your the Credit Union�s discretion to pay off lower rate balances, such to avoid a periodic Interest Charge on cash advances, including the Annual Percentage Rate on your entire outstanding balance to OnPoint, or to any person whom we authorize to act as our agent, 
 Account. OnPoint shall have no liability for any convenience check as promotional offers, before higher rate balances, such as cash balance transfers and convenience check cash advances. will be increased by 3.00% above your current variable Annual or to any person who is authorized to honor the Card, immediately
 returned in excess of your credit line. advances or purchases. Payments in excess of the minimum Percentage Rate on the ?rst day of the new billing cycle following  according to instructions. The Card may be repossessed at any
 payment will be allocated ?rst to higher rate balances, as applicable.  B. Purchases. An Interest Charge will be imposed on the portion the late payment or notice of default and will continue until you have  time at our sole discretion without demand or notice. You cannot
 C. Overdraft Advances. In the event we have approved overdraft  From time to time, we may allow you to skip your minimum of purchases included in the new balance that remains unpaid 25 six (6) months without any late or insuf?cient minimum payments or  transfer your Card or Account to another person. You may not use
 protection for you, for any overdrafts on a savings or checking monthly payment due. If you choose to skip that payment, Interest days after the closing date. This �grace period� allows you to avoid you satisfy the default condition. the Card for any illegal or unlawful transactions and we may decline 
 account of yours, we will treat the overdraft as a request for a cash Charges will continue to accrue in accordance with this Agreement.  a Interest Charge on purchases for a billing cycle. However, to the to authorize any transaction that we believe poses an undue risk of
 advance on your credit line and we will transfer this amount to your Payments received at: OnPoint Community Credit Union, PO Box extent you do not pay your purchase transactions from the previous  11. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE illegality or unlawfulness.
 overdrawn account. For purposes of this Agreement, an overdraft 60510, City of Ind, CA 91716-0510 at or before 5:00 PM Paci?c  billing cycle within the grace period, your Interest Charge will accrue  IMPOSED.
 advance will be treated as a cash advance. Time on any business day will be credited to your Account as of from the date purchases are posted to your account. We may impose the following fees and charges on your Account: B. Honoring the Card. Neither we nor merchants authorized to
 that date; payments received by mail at that address after 5:00 PM honor the Card will be responsible for the failure or refusal to honor 
 3. YOU PROMISE TO PAY. Paci?c Time, on a weekend or federal holiday will be posted to your  9. METHOD USED TO DETERMINE THE BALANCE ON A. Late Fee. If we do not receive your minimum payment within 3 the Card or any other credit instrument or device we supply to you.
 You promise to pay OnPoint all such amounts, plus any Interest Account as of the next business day. Payment crediting to your WHICH THE INTEREST CHARGE MAY BE COMPUTED days of the due date, we may impose a Late Fee of $25.00  If a merchant agrees to give you a refund or adjustment, you agree
 Charges, which arise from use of the Card or Account by you or Account may be delayed up to ?ve days if your payment is received  AND AMOUNT OF INTEREST CHARGE. (balances greater than $1000); $20 (balances $100-$1000); $10 to accept a credit to your Account in lieu of a cash refund.
 any other person, and to be jointly and severally liable with such a by mail at any other address or not accompanied by the remittance We ?gure the Interest Charge on your Account by applying the  (balance $99 or less). If you have more than one late payment in 
 person, unless such other person does not have actual, implied, or portion of your Account statement. Periodic Rate to the �Average Daily Balance� of the account  twelve (12) months your account may be subject to a default Annual  C. Currency Conversion/Foreign Transaction Fee. Purchases 
 apparent authority for such use, and you received no bene?t from  including current purchases and cash advances for your Account.  Percentage Rate as set forth above. and cash advances made in foreign countries will be billed to you
 the use. You promise to pay OnPoint either by direct payment or by  6. SECURITY INTEREST. To get the �Average Daily Balance� we take the beginning purchase  in U.S. dollars. The currency conversion rate for international
 automatic transfers from savings or checking. You grant OnPoint a security interest under the Oregon Uniform and cash advance balances of your Account each day, add any  B. Returned Item Fee. If any check we receive from you as transactions as established by VISA International, Inc. is a rate
 Commercial Code in any goods purchased with your Card. You  new purchases and cash advances and subtract any payments  payment on your Account is returned to OnPoint unpaid or for any selected by VISA from the range of rates available in wholesale
 4. CREDIT LINE. agree that all collateral you have given OnPoint to secure other  or credits, unpaid Interest Charges and unpaid late charges. The  convenience check drawn on your Account is returned unpaid, we currency markets for the applicable central processing date, which
 This Agreement will constitute a revolving line of credit for an open-end consumer loan obligations (except dwelling-secured  Interest Charge is determined by multiplying the average daily  may impose a Returned Item Fee of $25.00. rate may vary from the rate VISA itself receives, or the government-
 amount, which will be the credit line under your Account. You may loans), in the past and in the future, will secure your obligations  balance by the number of days in the billing cycle and applying  mandated rate in effect for the applicable central processing date.
 access your credit line through Card purchases, cash advances at under this Agreement. In addition, by signing the Card Application,  the Periodic Rate to that amount. No Interest Charge is imposed  C. Card Replacement Fee. We may  impose a  $5.00 card
 participating merchants and loan checks. We will advise you of the you have given OnPoint a security interest in all your deposits, on purchases to the extent payments and credits for purchases  replacement fee for each VISA card, which is lost, stolen, or  D. Notices and Payments. All notices will be sent to your
 amount of your credit line on your statement. That amount will be present and future, and all accounts (except Individual Retirement are made within 25 days of the closing date of the previous billing  damaged. address as shown on your OnPoint account. You agree to advise
 the maximum amount you may have outstanding at any one time. Accounts) with OnPoint. You agree, upon default, OnPoint may cycle. The �Total Interest Charge� shown on your monthly statement  OnPoint promptly if you change your mailing address. All payments 
 You agree not to attempt to obtain more credit than the amount of apply all that is secured to pay any amounts due under this consists of the periodic Interest Charge on purchases and the  D. Annual Fee. There is no annual fee for use of your Card  should be mailed to OnPoint at the remittance address shown on
 your credit line. We retain the right to increase or decrease your Agreement, without further notice to you. You also agree that cross- periodic Interest Charge on cash advances. and account.  your monthly statements. Payments received at that address will be 
 credit line at any time for any reason. Any increase or reduction on collateralization is a condition of receiving your card. credited to your Account as of the date received.
 the limit of your credit line will be shown on your monthly statement 
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  E.  Security of Access Code. The personal identi?cation number  provided you were not grossly negligent or fraudulent in handling  also reporting that you are questioning your bill. We must tell you  described below:
  (PIN) is for your security purposes. The access code is con?dential  your Card; otherwise your liability for unauthorized VISA Credit Card  the name of anyone to whom we reported you as delinquent, and 
  and should not be disclosed to third parties or recorded. You are transactions shall not exceed $50. we must let those organizations know when the matter has been  A.	 Borrower	 Certi?cation	 of	 Active	 Duty. By requesting a
  responsible for safekeeping your access code. You agree not to settled between us. If we do not follow all of the rules above, you  Credit Card each borrower certi?es to the Credit Union that borrower: 
  disclose or otherwise make your access code available to anyone 16. YOUR CREDIT CARD BILLING RIGHTS do not have to pay the ?rst $50 of the amount you question even if  (i) is a Covered member as a member of the Armed Forces who
  not authorized to sign on your accounts. If you authorize anyone Keep this document for future use. This notice tells you about your your bill is correct. is currently serving on active duty (under a call or order not less
  to have or use your access code, you understand that person rights and our responsibilities under the Fair Credit Billing Act. than 30 days) Active Guard or Reserve duty; and (ii) borrower is
  may review all of your account information and make account  C.	 Your	rights	if	you	are	dissatis?ed	with	your	credit	card	 the Covered Member or is a dependent of the Covered Member.
  transactions. Therefore, we are entitled to act on transaction A.	 What	to	do	if	you	?nd	a	mistake	on	your	statement. If you purchases. If you are dissatis?ed with the goods or services that  Borrower(s) authorize the Credit Union to verify their status as a
  instructions received using your access code and you agree that the  think there is an error on your statement, write to us at: OnPoint you have purchased with your credit card, and you have tried in Covered Member or dependent by obtaining information from the
  use of your access code will have the same effect as your signature  Community Credit Union, P.O. Box 31112, Tampa, FL 33631-3279. good faith to correct the problem with the merchant, you may have database of the Department of Defense or from a consumer report
  authorizing transactions. If you authorize anyone to use your access  In your letter, give us the following information: the right not to pay the remaining amount due on the purchase. To obtained from a consumer reporting agency.
  code in any manner that authority will be considered unlimited in �  Account information: Your name and account number. use this right, all of the following must be true:
  amount and manner until you speci?cally revoke such authority by  �  Dollar amount: The dollar amount of the suspected error. 1. The purchase must have been made in your home state or B. Military Annual Percentage Rate. Federal law provides
  notifying OnPoint. You are responsible for any transactions made by  �  Description of problem: If you think there is an error on your within 100 miles of your current mailing address, and the important protections to members of the Armed Forces and their
  such persons until you notify OnPoint that transactions and access bill, describe what you believe is wrong and why you believe it  purchase price must have been more than $50. (Note: Neither  dependents relating to extensions of consumer credit. In general, Visa Signature
  by that person are no longer authorized. If you fail to maintain or is a mistake. of these are necessary if your purchase was based on an the cost of consumer credit to a member of the Armed Forces and
  change the security of these access codes and OnPoint suffers a advertisement we mailed to you, or if we own the company his or her dependent may not exceed an annual percentage rate of Credit Card Agreement
  loss, we may terminate your electronic funds transfer and account You must contact us: that sold you the goods or services.) 36%. This rate must include, as applicable to the credit transaction or 
  services immediately.          �  Within 60 days after the error appeared on your statement. 2. You must have used your credit card for the purchase. account: the costs associated with credit insurance premiums; fees
                                 � At least 3 business days before an automated payment is Purchases made with cash advances from an ATM or with a for ancillary products sold in connection with the credit transaction;
  13. DEFAULT.                     scheduled, if you want to stop payment on the amount you check that accesses your credit card account do not qualify. any application fee charged (other than certain application fees for
  You will be in default under this Agreement if any of the following think is wrong. 3. You must not yet have fully paid for the purchase. a credit card account); and any participation fee charged (other than 
  occur: (a) Any minimum monthly payment is not made when due; If all of the criteria above are met and you are still dissatis?ed with  certain participation fees for a credit card account).
                                                                                                                               1.  INTRODUCTION.
  (b) You become insolvent, bankrupt, or you die; (c) You violate any You must notify us of any potential errors in writing. You may call us,  the purchase, contact us in writing at the above address. While
                                                                                                                               This VISA Credit Card Agreement (Agreement) and the Account 
  part of this Agreement, or any other agreement with OnPoint; or (d)  but if you do we are not required to investigate any potential errors  we investigate, the same rules apply to the disputed amount as C. Payment Obligation. Your payment obligation under your
                                                                                                                               Disclosures  accompanying  this  Agreement  will  govern  your 
  if we reasonably deem ourselves insecure on your credit line. We and you may have to pay the amount in question. discussed above. After we ?nish our investigation, we will tell you  Credit Card Account is set forth in Sec. 5 in the Visa Credit Card
                                                                                                                               Signature Visa account issued by OnPoint Community Credit Union. 
  will notify you in writing of any such action as soon as practical if it our decision. At that point, if we think you owe an amount and you Agreement. 
                                                                                                                               In  this  Agreement  the  words  �you,�  �your,�  �yours,�  �applicant,� 
  occurs. Upon default, we may declare the entire unpaid balance B. What will happen after we receive your letter. When we do not pay, we may report you as delinquent.
                                                                                                                               and �Borrowers� mean any person who signs the application for 
  immediately due and payable, and you agree to pay that amount receive your letter, we must do two things: D. Security Interest. The Credit Union�s security interest in all
                                                                                                                               this  Account,  any  joint  obligor,  guarantor,  or  the  person  whose 
  plus any attorney�s fees and costs including collection agency costs  1. Within 30 days of receiving your letter, we must tell you that 17. AMENDMENTS. your Credit Union shares or deposits pursuant to the Credit Card
                                                                                                                               name  is  embossed  on  the  Card.  The  words  �we,�  �our,�  and 
  incurred by OnPoint. We can delay enforcing any right under this we received your letter. We will also tell you if we have already  We reserve the right to amend the terms of this Agreement at Agreement will not apply your Credit Card Account. A security
                                                                                                                               �OnPoint�  means  OnPoint  Community  Credit  Union.  The  word 
  Agreement without losing that right or any other right. A negative corrected the error. anytime as permitted by and subject to any limitations and notice interest in shares or deposits granted in connection with any other
                                                                                                                               �Card�  means  any  one  or  more  credit  cards  issued  under 
  credit report re?ecting on your credit record may be submitted  2. Within 90 days of receiving your letter, we must either correct requirements of applicable law. credit card account, loan or line of credit does not secure the Credit 
                                                                                                                               OnPoint�s Signature Visa program. Except as otherwise specified 
  to a credit-reporting agency if you fail to ful?ll the terms of this  the error or explain to you why we believe the bill is correct. Card Account identi?ed above, in spite of any provision that collateral 
                                                                                                                               in this Agreement, all terms and conditions of this Agreement apply 
  Agreement.                                                   18. GOVERNING LAW.              securing one loan secures all of your other Credit Union obligations. 
                                                                                                                               to any Card issued under any of the above-referenced programs. 
                                 While we investigate whether or not there has been an error: This Agreement will not take effect until it is approved by OnPoint. However, if you establish a deposit or share account speci?cally in 
                                                                                                                               If you sign a written or online application for this Account or sign or 
  14. CREDIT INFORMATION/FINANCIAL STATEMENTS. � We cannot try to collect the amount in question, or report you This Agreement shall be governed by the laws of the State of connection with your Credit Card Account, funds deposited in that
                                                                                                                               use any Card or PIN, or allow others to use the Card or PIN, you 
  You authorize OnPoint to release information to others (e.g., credit as delinquent on that amount. Oregon. account after you establish the Credit Card Account are subject
                                                                                                                               and they will have accepted this Agreement just as if you and they 
  bureaus, merchants, and other ?nancial institutions) regarding the  � The charge in question may remain on your statement, and to our security interest as set forth above in the Visa Credit Card
                                                                                                                               signed it, and you and they, jointly and severally, will be bound by 
  status and history of your credit line. You agree to provide OnPoint,  we may continue to charge you interest on that amount. 19. NOTICE AND AGREEMENT. Agreement.
                                                                                                                               the following terms and conditions which will govern this Account.
  at any time we deem necessary, with a current ?nancial statement  �  While you do not have to pay the amount in question, you are  You understand and agree to the terms and conditions in this VISA 
  and updated credit information upon request. We may investigate responsible for the remainder of your balance. Credit Card Agreement. You acknowledge that you have received E.  Credit Union Toll-Free Telephone Number. Call 1-800-527-
                                                                                                                               2.  ACCOUNT ACCESS. 
  your credit directly or through a credit reporting agency. �  We can apply any unpaid amount against your credit limit. a copy of the Agreement. This Agreement is a ?nal expression of  3932 for verbal information about the Military Annual Percentage
                                                                                                                               A.  Purchases and Cash Advances. You must sign the Card to 
                                                               the agreement between you and OnPoint. This Agreement may Rate and your payment obligation. 
                                                                                                                               use it. Once you have signed the Card, you can use it to make 
                                 After we ?nish our investigation, one of two things will happen: not be contradicted by evidence of any oral agreement or alleged
                                                                                                                               purchase, cash advance and balance transfer transactions up to 
  15. UNAUTHORIZED USE, LOSS OR THEFT OF CREDIT � If we made a mistake: You will not have to pay the amount in oral agreement and contains the terms applicable to the credit
                                                                                                                               the full amount of your credit line. You may use your Account to get 
     CARD                          question or any interest or other fees related to that amount. transaction.
                                                                                                                               cash advances from OnPoint. You may also use your Card to get a 
  You agree to notify OnPoint immediately of the loss, or the theft,  � If we do not believe there was a mistake: You will have to
                                                                                                                               cash advance from participating financial institutions or automated 
  or the use without your permission, of any Card or other credit  pay the amount in question, along with applicable interest 20. REWARDS.
                                                                                                                               teller  machines (ATMs). You may use your Card to purchase 
  instrument or device, which we supply to you. You may be liable for  and fees. We will send you a statement of the amount you Features are subject to Terms and Conditions posted at
                                                                                                                               goods and services any place your Card is honored by participating 
  the unauthorized use of your Card. You will need to notify: OnPoint  owe and the date payment is due. We may then report you as  www.curewards.com.
                                                                                                                               merchants. No purchase amount may exceed the available funds 
  Community Credit Union, PO Box 31112, Tampa FL 33631-3112  delinquent if you do not pay the amount we think you owe.
                                                                                                                               in your account. Only credit card balance transfers you make from 
  or Telephone: 1-866-820-5831 orally or in writing of loss, theft, or 
                                                                                                                               another institution will be permitted and treated as a cash advance. 
  possible unauthorized use. If you notify OnPoint of your lost or  If you receive our explanation but still believe your bill is wrong,  MILITARY LENDING DISCLOSURE.
                                                                                                                               OnPoint reserves the right to refuse any transaction that would draw 
  stolen Credit Card after discovery, you may not be liable for any  you must write to us within 10 days telling us that you still refuse  This Military Lending Disclosure is issued pursuant to and amends 
                                                                                                                               upon insufficient funds.
  losses related to credit transactions. This zero liability will apply  to pay. If you do so, we cannot report you as delinquent without  your Visa Credit Card Agreement and Account Disclosures as
                                                                                               01/19                M-127236
                7                              8                              9                              10                              1
 E.  Security of Access Code. The personal identi?cation number  provided you were not grossly negligent or fraudulent in handling  also reporting that you are questioning your bill. We must tell you  described below:
 (PIN) is for your security purposes. The access code is con?dential  your Card; otherwise your liability for unauthorized VISA Credit Card  the name of anyone to whom we reported you as delinquent, and 
 and should not be disclosed to third parties or recorded. You are transactions shall not exceed $50. we must let those organizations know when the matter has been  A.	 Borrower	 Certi?cation	 of	 Active	 Duty. By requesting a
 responsible for safekeeping your access code. You agree not to settled between us. If we do not follow all of the rules above, you  Credit Card each borrower certi?es to the Credit Union that borrower: 
 disclose or otherwise make your access code available to anyone 16. YOUR CREDIT CARD BILLING RIGHTS do not have to pay the ?rst $50 of the amount you question even if  (i) is a Covered member as a member of the Armed Forces who
 not authorized to sign on your accounts. If you authorize anyone Keep this document for future use. This notice tells you about your your bill is correct. is currently serving on active duty (under a call or order not less
 to have or use your access code, you understand that person rights and our responsibilities under the Fair Credit Billing Act. than 30 days) Active Guard or Reserve duty; and (ii) borrower is
 may review all of your account information and make account C.	 Your	rights	if	you	are	dissatis?ed	with	your	credit	card	 the Covered Member or is a dependent of the Covered Member.
 transactions. Therefore, we are entitled to act on transaction A.	 What	to	do	if	you	?nd	a	mistake	on	your	statement. If you purchases. If you are dissatis?ed with the goods or services that  Borrower(s) authorize the Credit Union to verify their status as a
 instructions received using your access code and you agree that the  think there is an error on your statement, write to us at: OnPoint you have purchased with your credit card, and you have tried in Covered Member or dependent by obtaining information from the
 use of your access code will have the same effect as your signature  Community Credit Union, P.O. Box 31112, Tampa, FL 33631-3279. good faith to correct the problem with the merchant, you may have database of the Department of Defense or from a consumer report
 authorizing transactions. If you authorize anyone to use your access  In your letter, give us the following information: the right not to pay the remaining amount due on the purchase. To obtained from a consumer reporting agency.
 code in any manner that authority will be considered unlimited in �  Account information: Your name and account number. use this right, all of the following must be true:
 amount and manner until you speci?cally revoke such authority by  �  Dollar amount: The dollar amount of the suspected error. 1. The purchase must have been made in your home state or B. Military Annual Percentage Rate. Federal law provides
 notifying OnPoint. You are responsible for any transactions made by  �  Description of problem: If you think there is an error on your within 100 miles of your current mailing address, and the important protections to members of the Armed Forces and their
 such persons until you notify OnPoint that transactions and access bill, describe what you believe is wrong and why you believe it  purchase price must have been more than $50. (Note: Neither  dependents relating to extensions of consumer credit. In general, Visa Signature
 by that person are no longer authorized. If you fail to maintain or is a mistake. of these are necessary if your purchase was based on an the cost of consumer credit to a member of the Armed Forces and
 change the security of these access codes and OnPoint suffers a advertisement we mailed to you, or if we own the company his or her dependent may not exceed an annual percentage rate of Credit Card Agreement
 loss, we may terminate your electronic funds transfer and account You must contact us: that sold you the goods or services.) 36%. This rate must include, as applicable to the credit transaction or 
 services immediately. �  Within 60 days after the error appeared on your statement. 2. You must have used your credit card for the purchase. account: the costs associated with credit insurance premiums; fees
  � At least 3 business days before an automated payment is Purchases made with cash advances from an ATM or with a for ancillary products sold in connection with the credit transaction;
 13. DEFAULT. scheduled, if you want to stop payment on the amount you check that accesses your credit card account do not qualify. any application fee charged (other than certain application fees for
 You will be in default under this Agreement if any of the following think is wrong. 3. You must not yet have fully paid for the purchase. a credit card account); and any participation fee charged (other than 
 occur: (a) Any minimum monthly payment is not made when due; If all of the criteria above are met and you are still dissatis?ed with  certain participation fees for a credit card account).
                                                                                                1.  INTRODUCTION.
 (b) You become insolvent, bankrupt, or you die; (c) You violate any You must notify us of any potential errors in writing. You may call us,  the purchase, contact us in writing at the above address. While
                                                                                                This VISA Credit Card Agreement (Agreement) and the Account 
 part of this Agreement, or any other agreement with OnPoint; or (d)  but if you do we are not required to investigate any potential errors  we investigate, the same rules apply to the disputed amount as C. Payment Obligation. Your payment obligation under your
                                                                                                Disclosures  accompanying  this  Agreement  will  govern  your 
 if we reasonably deem ourselves insecure on your credit line. We and you may have to pay the amount in question. discussed above. After we ?nish our investigation, we will tell you  Credit Card Account is set forth in Sec. 5 in the Visa Credit Card
                                                                                                Signature Visa account issued by OnPoint Community Credit Union. 
 will notify you in writing of any such action as soon as practical if it our decision. At that point, if we think you owe an amount and you Agreement. 
                                                                                                In  this  Agreement  the  words  �you,�  �your,�  �yours,�  �applicant,� 
 occurs. Upon default, we may declare the entire unpaid balance B. What will happen after we receive your letter. When we do not pay, we may report you as delinquent.
                                                                                                and �Borrowers� mean any person who signs the application for 
 immediately due and payable, and you agree to pay that amount receive your letter, we must do two things: D. Security Interest. The Credit Union�s security interest in all
                                                                                                this  Account,  any  joint  obligor,  guarantor,  or  the  person  whose 
 plus any attorney�s fees and costs including collection agency costs  1. Within 30 days of receiving your letter, we must tell you that 17. AMENDMENTS. your Credit Union shares or deposits pursuant to the Credit Card
                                                                                                name  is  embossed  on  the  Card.  The  words  �we,�  �our,�  and 
 incurred by OnPoint. We can delay enforcing any right under this we received your letter. We will also tell you if we have already  We reserve the right to amend the terms of this Agreement at Agreement will not apply your Credit Card Account. A security
                                                                                                �OnPoint�  means  OnPoint  Community  Credit  Union.  The  word 
 Agreement without losing that right or any other right. A negative corrected the error. anytime as permitted by and subject to any limitations and notice interest in shares or deposits granted in connection with any other
                                                                                                �Card�  means  any  one  or  more  credit  cards  issued  under 
 credit report re?ecting on your credit record may be submitted  2. Within 90 days of receiving your letter, we must either correct requirements of applicable law. credit card account, loan or line of credit does not secure the Credit 
                                                                                                OnPoint�s Signature Visa program. Except as otherwise specified 
 to a credit-reporting agency if you fail to ful?ll the terms of this  the error or explain to you why we believe the bill is correct. Card Account identi?ed above, in spite of any provision that collateral 
                                                                                                in this Agreement, all terms and conditions of this Agreement apply 
 Agreement.                      18. GOVERNING LAW.              securing one loan secures all of your other Credit Union obligations. 
                                                                                                to any Card issued under any of the above-referenced programs. 
  While we investigate whether or not there has been an error: This Agreement will not take effect until it is approved by OnPoint. However, if you establish a deposit or share account speci?cally in 
                                                                                                If you sign a written or online application for this Account or sign or 
 14. CREDIT INFORMATION/FINANCIAL STATEMENTS. � We cannot try to collect the amount in question, or report you This Agreement shall be governed by the laws of the State of connection with your Credit Card Account, funds deposited in that
                                                                                                use any Card or PIN, or allow others to use the Card or PIN, you 
 You authorize OnPoint to release information to others (e.g., credit as delinquent on that amount. Oregon. account after you establish the Credit Card Account are subject
                                                                                                and they will have accepted this Agreement just as if you and they 
 bureaus, merchants, and other ?nancial institutions) regarding the  � The charge in question may remain on your statement, and to our security interest as set forth above in the Visa Credit Card
                                                                                                signed it, and you and they, jointly and severally, will be bound by 
 status and history of your credit line. You agree to provide OnPoint,  we may continue to charge you interest on that amount. 19. NOTICE AND AGREEMENT. Agreement.
                                                                                                the following terms and conditions which will govern this Account.
 at any time we deem necessary, with a current ?nancial statement  �  While you do not have to pay the amount in question, you are  You understand and agree to the terms and conditions in this VISA 
 and updated credit information upon request. We may investigate responsible for the remainder of your balance. Credit Card Agreement. You acknowledge that you have received E.  Credit Union Toll-Free Telephone Number. Call 1-800-527-
                                                                                                2.  ACCOUNT ACCESS. 
 your credit directly or through a credit reporting agency. �  We can apply any unpaid amount against your credit limit. a copy of the Agreement. This Agreement is a ?nal expression of  3932 for verbal information about the Military Annual Percentage
                                                                                                A.  Purchases and Cash Advances. You must sign the Card to 
                                 the agreement between you and OnPoint. This Agreement may Rate and your payment obligation. 
                                                                                                use it. Once you have signed the Card, you can use it to make 
  After we ?nish our investigation, one of two things will happen: not be contradicted by evidence of any oral agreement or alleged
                                                                                                purchase, cash advance and balance transfer transactions up to 
 15. UNAUTHORIZED USE, LOSS OR THEFT OF CREDIT � If we made a mistake: You will not have to pay the amount in oral agreement and contains the terms applicable to the credit
                                                                                                the full amount of your credit line. You may use your Account to get 
 CARD question or any interest or other fees related to that amount. transaction.
                                                                                                cash advances from OnPoint. You may also use your Card to get a 
 You agree to notify OnPoint immediately of the loss, or the theft,  � If we do not believe there was a mistake: You will have to
                                                                                                cash advance from participating financial institutions or automated 
 or the use without your permission, of any Card or other credit  pay the amount in question, along with applicable interest 20. REWARDS.
                                                                                                teller  machines (ATMs). You may use your Card to purchase 
 instrument or device, which we supply to you. You may be liable for  and fees. We will send you a statement of the amount you Features are subject to Terms and Conditions posted at
                                                                                                goods and services any place your Card is honored by participating 
 the unauthorized use of your Card. You will need to notify: OnPoint  owe and the date payment is due. We may then report you as  www.curewards.com.
                                                                                                merchants. No purchase amount may exceed the available funds 
 Community Credit Union, PO Box 31112, Tampa FL 33631-3112  delinquent if you do not pay the amount we think you owe.
                                                                                                in your account. Only credit card balance transfers you make from 
 or Telephone: 1-866-820-5831 orally or in writing of loss, theft, or 
                                                                                                another institution will be permitted and treated as a cash advance. 
 possible unauthorized use. If you notify OnPoint of your lost or  If you receive our explanation but still believe your bill is wrong,  MILITARY LENDING DISCLOSURE.
                                                                                                OnPoint reserves the right to refuse any transaction that would draw 
 stolen Credit Card after discovery, you may not be liable for any  you must write to us within 10 days telling us that you still refuse  This Military Lending Disclosure is issued pursuant to and amends 
                                                                                                upon insufficient funds.
 losses related to credit transactions. This zero liability will apply  to pay. If you do so, we cannot report you as delinquent without  your Visa Credit Card Agreement and Account Disclosures as
                                                                01/19                 M-127236
 7              8                              9                               10                              1
 E.  Security of Access Code. The personal identi?cation number  provided you were not grossly negligent or fraudulent in handling  also reporting that you are questioning your bill. We must tell you  described below:
 (PIN) is for your security purposes. The access code is con?dential  your Card; otherwise your liability for unauthorized VISA Credit Card  the name of anyone to whom we reported you as delinquent, and 
 and should not be disclosed to third parties or recorded. You are transactions shall not exceed $50. we must let those organizations know when the matter has been  A.	 Borrower	 Certi?cation	 of	 Active	 Duty. By requesting a
 responsible for safekeeping your access code. You agree not to settled between us. If we do not follow all of the rules above, you  Credit Card each borrower certi?es to the Credit Union that borrower: 
 disclose or otherwise make your access code available to anyone 16. YOUR CREDIT CARD BILLING RIGHTS do not have to pay the ?rst $50 of the amount you question even if  (i) is a Covered member as a member of the Armed Forces who
 not authorized to sign on your accounts. If you authorize anyone Keep this document for future use. This notice tells you about your your bill is correct. is currently serving on active duty (under a call or order not less
 to have or use your access code, you understand that person rights and our responsibilities under the Fair Credit Billing Act. than 30 days) Active Guard or Reserve duty; and (ii) borrower is
 may review all of your account information and make account C.	 Your	rights	if	you	are	dissatis?ed	with	your	credit	card	 the Covered Member or is a dependent of the Covered Member.
 transactions. Therefore, we are entitled to act on transaction A.	 What	to	do	if	you	?nd	a	mistake	on	your	statement. If you purchases. If you are dissatis?ed with the goods or services that  Borrower(s) authorize the Credit Union to verify their status as a
 instructions received using your access code and you agree that the  think there is an error on your statement, write to us at: OnPoint you have purchased with your credit card, and you have tried in Covered Member or dependent by obtaining information from the
 use of your access code will have the same effect as your signature  Community Credit Union, P.O. Box 31112, Tampa, FL 33631-3279. good faith to correct the problem with the merchant, you may have database of the Department of Defense or from a consumer report
 authorizing transactions. If you authorize anyone to use your access  In your letter, give us the following information: the right not to pay the remaining amount due on the purchase. To obtained from a consumer reporting agency.
 code in any manner that authority will be considered unlimited in �  Account information: Your name and account number. use this right, all of the following must be true:
 amount and manner until you speci?cally revoke such authority by  �  Dollar amount: The dollar amount of the suspected error. 1. The purchase must have been made in your home state or B. Military Annual Percentage Rate. Federal law provides
 notifying OnPoint. You are responsible for any transactions made by  �  Description of problem: If you think there is an error on your within 100 miles of your current mailing address, and the important protections to members of the Armed Forces and their
 such persons until you notify OnPoint that transactions and access bill, describe what you believe is wrong and why you believe it  purchase price must have been more than $50. (Note: Neither  dependents relating to extensions of consumer credit. In general, Visa Signature
 by that person are no longer authorized. If you fail to maintain or is a mistake. of these are necessary if your purchase was based on an the cost of consumer credit to a member of the Armed Forces and
 change the security of these access codes and OnPoint suffers a advertisement we mailed to you, or if we own the company his or her dependent may not exceed an annual percentage rate of Credit Card Agreement
 loss, we may terminate your electronic funds transfer and account You must contact us: that sold you the goods or services.) 36%. This rate must include, as applicable to the credit transaction or 
 services immediately. �  Within 60 days after the error appeared on your statement. 2. You must have used your credit card for the purchase. account: the costs associated with credit insurance premiums; fees
 � At least 3 business days before an automated payment is Purchases made with cash advances from an ATM or with a for ancillary products sold in connection with the credit transaction;
 13. DEFAULT. scheduled, if you want to stop payment on the amount you check that accesses your credit card account do not qualify. any application fee charged (other than certain application fees for
 You will be in default under this Agreement if any of the following think is wrong. 3. You must not yet have fully paid for the purchase. a credit card account); and any participation fee charged (other than 
 occur: (a) Any minimum monthly payment is not made when due; If all of the criteria above are met and you are still dissatis?ed with  certain participation fees for a credit card account).
                                                                  1.  INTRODUCTION.
 (b) You become insolvent, bankrupt, or you die; (c) You violate any You must notify us of any potential errors in writing. You may call us,  the purchase, contact us in writing at the above address. While
                                                                  This VISA Credit Card Agreement (Agreement) and the Account 
 part of this Agreement, or any other agreement with OnPoint; or (d)  but if you do we are not required to investigate any potential errors  we investigate, the same rules apply to the disputed amount as C. Payment Obligation. Your payment obligation under your
                                                                  Disclosures  accompanying  this  Agreement  will  govern  your 
 if we reasonably deem ourselves insecure on your credit line. We and you may have to pay the amount in question. discussed above. After we ?nish our investigation, we will tell you  Credit Card Account is set forth in Sec. 5 in the Visa Credit Card
                                                                  Signature Visa account issued by OnPoint Community Credit Union. 
 will notify you in writing of any such action as soon as practical if it our decision. At that point, if we think you owe an amount and you Agreement. 
                                                                  In  this  Agreement  the  words  �you,�  �your,�  �yours,�  �applicant,� 
 occurs. Upon default, we may declare the entire unpaid balance B. What will happen after we receive your letter. When we do not pay, we may report you as delinquent.
                                                                  and �Borrowers� mean any person who signs the application for 
 immediately due and payable, and you agree to pay that amount receive your letter, we must do two things: D. Security Interest. The Credit Union�s security interest in all
                                                                  this  Account,  any  joint  obligor,  guarantor,  or  the  person  whose 
 plus any attorney�s fees and costs including collection agency costs  1. Within 30 days of receiving your letter, we must tell you that 17. AMENDMENTS. your Credit Union shares or deposits pursuant to the Credit Card
                                                                  name  is  embossed  on  the  Card.  The  words  �we,�  �our,�  and 
 incurred by OnPoint. We can delay enforcing any right under this we received your letter. We will also tell you if we have already  We reserve the right to amend the terms of this Agreement at Agreement will not apply your Credit Card Account. A security
                                                                  �OnPoint�  means  OnPoint  Community  Credit  Union.  The  word 
 Agreement without losing that right or any other right. A negative corrected the error. anytime as permitted by and subject to any limitations and notice interest in shares or deposits granted in connection with any other
                                                                  �Card�  means  any  one  or  more  credit  cards  issued  under 
 credit report re?ecting on your credit record may be submitted  2. Within 90 days of receiving your letter, we must either correct requirements of applicable law. credit card account, loan or line of credit does not secure the Credit 
                                                                  OnPoint�s Signature Visa program. Except as otherwise specified 
 to a credit-reporting agency if you fail to ful?ll the terms of this  the error or explain to you why we believe the bill is correct. Card Account identi?ed above, in spite of any provision that collateral 
                                                                  in this Agreement, all terms and conditions of this Agreement apply 
 Agreement. 18. GOVERNING LAW.    securing one loan secures all of your other Credit Union obligations. 
                                                                  to any Card issued under any of the above-referenced programs. 
 While we investigate whether or not there has been an error: This Agreement will not take effect until it is approved by OnPoint. However, if you establish a deposit or share account speci?cally in 
                                                                  If you sign a written or online application for this Account or sign or 
 14. CREDIT INFORMATION/FINANCIAL STATEMENTS. � We cannot try to collect the amount in question, or report you This Agreement shall be governed by the laws of the State of connection with your Credit Card Account, funds deposited in that
                                                                  use any Card or PIN, or allow others to use the Card or PIN, you 
 You authorize OnPoint to release information to others (e.g., credit as delinquent on that amount. Oregon. account after you establish the Credit Card Account are subject
                                                                  and they will have accepted this Agreement just as if you and they 
 bureaus, merchants, and other ?nancial institutions) regarding the  � The charge in question may remain on your statement, and to our security interest as set forth above in the Visa Credit Card
                                                                  signed it, and you and they, jointly and severally, will be bound by 
 status and history of your credit line. You agree to provide OnPoint,  we may continue to charge you interest on that amount. 19. NOTICE AND AGREEMENT. Agreement.
                                                                  the following terms and conditions which will govern this Account.
 at any time we deem necessary, with a current ?nancial statement  �  While you do not have to pay the amount in question, you are  You understand and agree to the terms and conditions in this VISA 
 and updated credit information upon request. We may investigate responsible for the remainder of your balance. Credit Card Agreement. You acknowledge that you have received E.  Credit Union Toll-Free Telephone Number. Call 1-800-527-
                                                                  2.  ACCOUNT ACCESS. 
 your credit directly or through a credit reporting agency. �  We can apply any unpaid amount against your credit limit. a copy of the Agreement. This Agreement is a ?nal expression of  3932 for verbal information about the Military Annual Percentage
                                                                  A.  Purchases and Cash Advances. You must sign the Card to 
  the agreement between you and OnPoint. This Agreement may Rate and your payment obligation. 
                                                                  use it. Once you have signed the Card, you can use it to make 
 After we ?nish our investigation, one of two things will happen: not be contradicted by evidence of any oral agreement or alleged
                                                                  purchase, cash advance and balance transfer transactions up to 
 15. UNAUTHORIZED USE, LOSS OR THEFT OF CREDIT � If we made a mistake: You will not have to pay the amount in oral agreement and contains the terms applicable to the credit
                                                                  the full amount of your credit line. You may use your Account to get 
 CARD question or any interest or other fees related to that amount. transaction.
                                                                  cash advances from OnPoint. You may also use your Card to get a 
 You agree to notify OnPoint immediately of the loss, or the theft,  � If we do not believe there was a mistake: You will have to
                                                                  cash advance from participating financial institutions or automated 
 or the use without your permission, of any Card or other credit  pay the amount in question, along with applicable interest 20. REWARDS.
                                                                  teller  machines (ATMs). You may use your Card to purchase 
 instrument or device, which we supply to you. You may be liable for  and fees. We will send you a statement of the amount you Features are subject to Terms and Conditions posted at
                                                                  goods and services any place your Card is honored by participating 
 the unauthorized use of your Card. You will need to notify: OnPoint  owe and the date payment is due. We may then report you as  www.curewards.com.
                                                                  merchants. No purchase amount may exceed the available funds 
 Community Credit Union, PO Box 31112, Tampa FL 33631-3112  delinquent if you do not pay the amount we think you owe.
                                                                  in your account. Only credit card balance transfers you make from 
 or Telephone: 1-866-820-5831 orally or in writing of loss, theft, or 
                                                                  another institution will be permitted and treated as a cash advance. 
 possible unauthorized use. If you notify OnPoint of your lost or  If you receive our explanation but still believe your bill is wrong,  MILITARY LENDING DISCLOSURE.
                                                                  OnPoint reserves the right to refuse any transaction that would draw 
 stolen Credit Card after discovery, you may not be liable for any  you must write to us within 10 days telling us that you still refuse  This Military Lending Disclosure is issued pursuant to and amends 
                                                                  upon insufficient funds.
 losses related to credit transactions. This zero liability will apply  to pay. If you do so, we cannot report you as delinquent without  your Visa Credit Card Agreement and Account Disclosures as
                                  01/19                M-127236
 7 8            9                               10                              1
 E.  Security of Access Code. The personal identi?cation number  provided you were not grossly negligent or fraudulent in handling  also reporting that you are questioning your bill. We must tell you  described below:
 (PIN) is for your security purposes. The access code is con?dential  your Card; otherwise your liability for unauthorized VISA Credit Card  the name of anyone to whom we reported you as delinquent, and 
 and should not be disclosed to third parties or recorded. You are transactions shall not exceed $50. we must let those organizations know when the matter has been  A.	 Borrower	 Certi?cation	 of	 Active	 Duty. By requesting a
 responsible for safekeeping your access code. You agree not to settled between us. If we do not follow all of the rules above, you  Credit Card each borrower certi?es to the Credit Union that borrower: 
 disclose or otherwise make your access code available to anyone 16. YOUR CREDIT CARD BILLING RIGHTS do not have to pay the ?rst $50 of the amount you question even if  (i) is a Covered member as a member of the Armed Forces who
 not authorized to sign on your accounts. If you authorize anyone Keep this document for future use. This notice tells you about your your bill is correct. is currently serving on active duty (under a call or order not less
 to have or use your access code, you understand that person rights and our responsibilities under the Fair Credit Billing Act. than 30 days) Active Guard or Reserve duty; and (ii) borrower is
 may review all of your account information and make account C.	 Your	rights	if	you	are	dissatis?ed	with	your	credit	card	 the Covered Member or is a dependent of the Covered Member.
 transactions. Therefore, we are entitled to act on transaction A.	 What	to	do	if	you	?nd	a	mistake	on	your	statement. If you purchases. If you are dissatis?ed with the goods or services that  Borrower(s) authorize the Credit Union to verify their status as a
 instructions received using your access code and you agree that the  think there is an error on your statement, write to us at: OnPoint you have purchased with your credit card, and you have tried in Covered Member or dependent by obtaining information from the
 use of your access code will have the same effect as your signature  Community Credit Union, P.O. Box 31112, Tampa, FL 33631-3279. good faith to correct the problem with the merchant, you may have database of the Department of Defense or from a consumer report
 authorizing transactions. If you authorize anyone to use your access  In your letter, give us the following information: the right not to pay the remaining amount due on the purchase. To obtained from a consumer reporting agency.
 code in any manner that authority will be considered unlimited in �  Account information: Your name and account number. use this right, all of the following must be true:
 amount and manner until you speci?cally revoke such authority by  �  Dollar amount: The dollar amount of the suspected error. 1. The purchase must have been made in your home state or B. Military Annual Percentage Rate. Federal law provides
 notifying OnPoint. You are responsible for any transactions made by  �  Description of problem: If you think there is an error on your within 100 miles of your current mailing address, and the important protections to members of the Armed Forces and their
 such persons until you notify OnPoint that transactions and access bill, describe what you believe is wrong and why you believe it  purchase price must have been more than $50. (Note: Neither  dependents relating to extensions of consumer credit. In general, Visa Signature
 by that person are no longer authorized. If you fail to maintain or is a mistake. of these are necessary if your purchase was based on an the cost of consumer credit to a member of the Armed Forces and
 change the security of these access codes and OnPoint suffers a advertisement we mailed to you, or if we own the company his or her dependent may not exceed an annual percentage rate of Credit Card Agreement
 loss, we may terminate your electronic funds transfer and account You must contact us: that sold you the goods or services.) 36%. This rate must include, as applicable to the credit transaction or 
 services immediately. �  Within 60 days after the error appeared on your statement. 2. You must have used your credit card for the purchase. account: the costs associated with credit insurance premiums; fees
 � At least 3 business days before an automated payment is Purchases made with cash advances from an ATM or with a for ancillary products sold in connection with the credit transaction;
 13. DEFAULT. scheduled, if you want to stop payment on the amount you check that accesses your credit card account do not qualify. any application fee charged (other than certain application fees for
 You will be in default under this Agreement if any of the following think is wrong. 3. You must not yet have fully paid for the purchase. a credit card account); and any participation fee charged (other than 
 occur: (a) Any minimum monthly payment is not made when due; If all of the criteria above are met and you are still dissatis?ed with  certain participation fees for a credit card account).
                                  1.  INTRODUCTION.
 (b) You become insolvent, bankrupt, or you die; (c) You violate any You must notify us of any potential errors in writing. You may call us,  the purchase, contact us in writing at the above address. While
                                  This VISA Credit Card Agreement (Agreement) and the Account 
 part of this Agreement, or any other agreement with OnPoint; or (d)  but if you do we are not required to investigate any potential errors  we investigate, the same rules apply to the disputed amount as C. Payment Obligation. Your payment obligation under your
                                  Disclosures  accompanying  this  Agreement  will  govern  your 
 if we reasonably deem ourselves insecure on your credit line. We and you may have to pay the amount in question. discussed above. After we ?nish our investigation, we will tell you  Credit Card Account is set forth in Sec. 5 in the Visa Credit Card
                                  Signature Visa account issued by OnPoint Community Credit Union. 
 will notify you in writing of any such action as soon as practical if it our decision. At that point, if we think you owe an amount and you Agreement. 
                                  In  this  Agreement  the  words  �you,�  �your,�  �yours,�  �applicant,� 
 occurs. Upon default, we may declare the entire unpaid balance B. What will happen after we receive your letter. When we do not pay, we may report you as delinquent.
                                  and �Borrowers� mean any person who signs the application for 
 immediately due and payable, and you agree to pay that amount receive your letter, we must do two things: D. Security Interest. The Credit Union�s security interest in all
                                  this  Account,  any  joint  obligor,  guarantor,  or  the  person  whose 
 plus any attorney�s fees and costs including collection agency costs  1. Within 30 days of receiving your letter, we must tell you that 17. AMENDMENTS. your Credit Union shares or deposits pursuant to the Credit Card
                                  name  is  embossed  on  the  Card.  The  words  �we,�  �our,�  and 
 incurred by OnPoint. We can delay enforcing any right under this we received your letter. We will also tell you if we have already  We reserve the right to amend the terms of this Agreement at Agreement will not apply your Credit Card Account. A security
                                  �OnPoint�  means  OnPoint  Community  Credit  Union.  The  word 
 Agreement without losing that right or any other right. A negative corrected the error. anytime as permitted by and subject to any limitations and notice interest in shares or deposits granted in connection with any other
                                  �Card�  means  any  one  or  more  credit  cards  issued  under 
 credit report re?ecting on your credit record may be submitted  2. Within 90 days of receiving your letter, we must either correct requirements of applicable law. credit card account, loan or line of credit does not secure the Credit 
                                  OnPoint�s Signature Visa program. Except as otherwise specified 
 to a credit-reporting agency if you fail to ful?ll the terms of this  the error or explain to you why we believe the bill is correct. Card Account identi?ed above, in spite of any provision that collateral 
                                  in this Agreement, all terms and conditions of this Agreement apply 
 Agreement. 18. GOVERNING LAW. securing one loan secures all of your other Credit Union obligations. 
                                  to any Card issued under any of the above-referenced programs. 
 While we investigate whether or not there has been an error: This Agreement will not take effect until it is approved by OnPoint. However, if you establish a deposit or share account speci?cally in 
                                  If you sign a written or online application for this Account or sign or 
 14. CREDIT INFORMATION/FINANCIAL STATEMENTS. � We cannot try to collect the amount in question, or report you This Agreement shall be governed by the laws of the State of connection with your Credit Card Account, funds deposited in that
                                  use any Card or PIN, or allow others to use the Card or PIN, you 
 You authorize OnPoint to release information to others (e.g., credit as delinquent on that amount. Oregon. account after you establish the Credit Card Account are subject
                                  and they will have accepted this Agreement just as if you and they 
 bureaus, merchants, and other ?nancial institutions) regarding the  � The charge in question may remain on your statement, and to our security interest as set forth above in the Visa Credit Card
                                  signed it, and you and they, jointly and severally, will be bound by 
 status and history of your credit line. You agree to provide OnPoint,  we may continue to charge you interest on that amount. 19. NOTICE AND AGREEMENT. Agreement.
                                  the following terms and conditions which will govern this Account.
 at any time we deem necessary, with a current ?nancial statement  �  While you do not have to pay the amount in question, you are  You understand and agree to the terms and conditions in this VISA 
 and updated credit information upon request. We may investigate responsible for the remainder of your balance. Credit Card Agreement. You acknowledge that you have received E.  Credit Union Toll-Free Telephone Number. Call 1-800-527-
                                  2.  ACCOUNT ACCESS. 
 your credit directly or through a credit reporting agency. �  We can apply any unpaid amount against your credit limit. a copy of the Agreement. This Agreement is a ?nal expression of  3932 for verbal information about the Military Annual Percentage
                                  A.  Purchases and Cash Advances. You must sign the Card to 
 the agreement between you and OnPoint. This Agreement may Rate and your payment obligation. 
                                  use it. Once you have signed the Card, you can use it to make 
 After we ?nish our investigation, one of two things will happen: not be contradicted by evidence of any oral agreement or alleged
                                  purchase, cash advance and balance transfer transactions up to 
 15. UNAUTHORIZED USE, LOSS OR THEFT OF CREDIT � If we made a mistake: You will not have to pay the amount in oral agreement and contains the terms applicable to the credit
                                  the full amount of your credit line. You may use your Account to get 
 CARD question or any interest or other fees related to that amount. transaction.
                                  cash advances from OnPoint. You may also use your Card to get a 
 You agree to notify OnPoint immediately of the loss, or the theft,  � If we do not believe there was a mistake: You will have to
                                  cash advance from participating financial institutions or automated 
 or the use without your permission, of any Card or other credit  pay the amount in question, along with applicable interest 20. REWARDS.
                                  teller  machines (ATMs). You may use your Card to purchase 
 instrument or device, which we supply to you. You may be liable for  and fees. We will send you a statement of the amount you Features are subject to Terms and Conditions posted at
                                  goods and services any place your Card is honored by participating 
 the unauthorized use of your Card. You will need to notify: OnPoint  owe and the date payment is due. We may then report you as  www.curewards.com.
                                  merchants. No purchase amount may exceed the available funds 
 Community Credit Union, PO Box 31112, Tampa FL 33631-3112  delinquent if you do not pay the amount we think you owe.
                                  in your account. Only credit card balance transfers you make from 
 or Telephone: 1-866-820-5831 orally or in writing of loss, theft, or 
                                  another institution will be permitted and treated as a cash advance. 
 possible unauthorized use. If you notify OnPoint of your lost or  If you receive our explanation but still believe your bill is wrong,  MILITARY LENDING DISCLOSURE.
                                  OnPoint reserves the right to refuse any transaction that would draw 
 stolen Credit Card after discovery, you may not be liable for any  you must write to us within 10 days telling us that you still refuse  This Military Lending Disclosure is issued pursuant to and amends 
                                  upon insufficient funds.
 losses related to credit transactions. This zero liability will apply  to pay. If you do so, we cannot report you as delinquent without  your Visa Credit Card Agreement and Account Disclosures as
  01/19                M-127236
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