CREDIT CARD AGREEMENT AND DISCLOSURE 
This  Agreement  and  Disclosure  sets  forth  the  terms  and  conditions  of  the  Logix  Federal  Credit  Union  Platinum  Classic,  Platinum  and 
Platinum Rewards Credit Cards and contains important information and disclosures as required by law. All terms and conditions in this 
Agreement and Disclosure apply to the Logix Platinum Classic, Platinum and Platinum Rewards Credit Cards unless otherwise identified.   

Please Read it Carefully and Retain this Agreement and Disclosure. 

In this Agreement and Disclosure, the words "you", "your" and "yours" mean each and all of those who apply for, sign, or use the Credit 
Card. The words "we", "us”, "our", and “Logix” each mean Logix Federal Credit Union. “Credit Card” and "Card" mean the Platinum Classic, 
Platinum and Platinum Rewards Credit Card issued to you and any duplicates and renewals we may issue. Rewards means the Platinum 
Rewards Credit Card. "Account" means your Credit Card Account with Logix unless otherwise stated. By accepting and/or using the Credit 
Card, or by your authorizing anyone else to use the Credit Card, you agree to be bound by the terms and conditions of this Agreement 
and Disclosure. Additional Rewards information is available at www.lfcu.com or call (800) 328-5328. 

All terms and conditions in this Agreement and Disclosure including any application that you provided (including any application you made 
over the telephone or the Internet) apply to your Account. 

NOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A VARIABLE ANNUAL PERCENTAGE (INTEREST) RATE.  

SIGN YOUR CARD: Immediately sign the signature panel on the back of your Card upon receipt. The Card must be signed in order to be 
valid. 

CHANGE OF TERMS:  Account and agreement terms are not guaranteed for any period of time.  You understand and agree that we may 
amend, modify, add to, or delete from this Agreement and Disclosure any of its terms and conditions, including financial terms such as 
the method of application and the amount  of any interest  charge,  transaction fee, or other finance charge, Annual  Percentage Rate, 
periodic rate and/or fee in accordance with applicable laws. If required by applicable law, a notice of the change will be mailed to you at 
your last known address or delivered electronically via Online Banking when you electronically agree to receive electronic notices and 
statements from Logix. You also understand that in the event of a significant change in account terms, as defined under the Federal Truth-
in-Lending Act, any such notice will be mailed or electronically delivered (if applicable), at least forty-five (45) days prior to the effective 
date of the significant change in account terms as required by applicable law. If we are required by applicable law to provide you a right 
to reject significant changes to this Agreement and Disclosure prior to the effective date of such changes, we will provide you with an 
explanation of how to reject the significant changes, unless you fail to make a required minimum payment within sixty (60) days after its 
due date. We may change the terms of this Agreement and Disclosure based on information in your credit report, market conditions, and 
business strategy or for any other reason. A Notice of Change-In-Terms will be sent to you when required, but may be sent as late as the 
effective date of the change where the change has been agreed to in writing by you.  

CREDIT LIMIT: We will establish a Credit Limit for you as the maximum principal amount of credit available to you under this Agreement. 
You agree not to request or obtain purchases, balance transfers, or cash loan advances above your Credit Limit at any time. To do so is 
an event of default, subject to remedies stated below. You will pay any amounts that exceed the maximum Credit Limit upon demand. 
We will advise you of your Credit Limit in writing and it will become part of this Agreement by this reference. You understand that your 
Credit Limit can be increased and decreased by us at any time; however, we will notify you, in writing, of any change. 

USING THE CARD: To make a purchase or obtain a cash loan advance: (1) Present the Card to a participating merchant, to us, or to another 
financial institution, and sign the sales slip or cash advance draft which will be imprinted with your Card Number; (2) Obtain a cash loan 
advance  by  using  your  Card  and  Personal  Identification  Number  (PIN)  at  a  participating  ATM;  (3)  Swipe  or  insert  your  Card  to  make 
purchases at participating merchants; or, (4) Use of your credit card Convenience Checks which may be provided to you by Logix. 

You may be required to enter your PIN number. Chip and PIN is the highest level of security provided on chip credit cards. There may be 
some merchant terminals that will ask for a PIN to be entered with your purchase. 

You may not use the Card for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses 
an undue risk of illegality or unlawfulness. We are not responsible for the refusal of any plan merchant or financial institution to honor 
your card.  

ATM ACCESS FOR CASH ADVANCES AND ATM CASH ADVANCE LIMITS: Your Card and Personal Identification Number (PIN) can be used 
to obtain cash loan advances from your Account at Logix ATMs and at other ATMs that allow PIN based Credit Card cash loan advances. 
You may obtain cash loan advances against your Account up to a maximum aggregate total of $600 per day, provided sufficient credit is 
available. 

REPAYMENT: You promise to repay to us at our office in Burbank, California, or such other place as we may designate in writing, all sums 
advanced by us from time to time under this Agreement, all applicable charges and fees, any interest and any other charges computed 
on the credit card account as described below. 

PAYMENTS: You will receive a statement for each monthly billing period in which your account has an outstanding balance, itemizing the 
transactions on your account. You must make payments at least monthly in an amount at least equal to the minimum payment amount. 
The minimum payment amount will be based on the new balance shown on your statement. Such payments must be made regardless of 
any prepayments as long as a balance exists. Your periodic payment is applied in the following order: (a) to late charges and fees, if any; 
(b) to periodic interest on balance transfers, advances, and purchases; (c) the unpaid balance of cash loan advances and balance transfers; 
and, (d) credit purchases of goods and services.   Payments in excess of the required MINIMUM PAYMENT will be applied first to the 
balances subject to the highest Annual Percentage Rate and then to balances subject to lower Annual Percentage Rates, in descending 
order of Annual Percentage Rates until all balances subject to an Annual Percentage Rate are paid in full.  You must pay each billing period, 
by the specified Payment Due Date, a MINIMUM PAYMENT of at least 2% of the outstanding balance, but not less than $30.00.  If your 
balance is less than $30.00, the MINIMUM PAYMENT amount will be your balance. 

AUTOMATIC PAYMENT OPTION: If you have elected Automatic Payment (or "AutoPay"), Logix will automatically deduct and transfer your 
monthly Credit Card payment from your designated Logix checking or savings account on the scheduled Payment Due Date. The  

Automatic Payment Option is voluntary, is not a condition of credit or this Agreement, and can be withdrawn by you at any time. 
When  you  elect  AutoPay,  you  agree  and  authorize  us  to  adjust  the  automatic  payment  amount  each  month  to  either  the  minimum 
monthly payment (Required Payment Due) or “payment in full”.  Notification of the varying payment amount due and scheduled payment 
due date will be satisfied by providing you with a monthly billing statement reflecting this information. 

If sufficient funds are not available in your designated checking or savings account to satisfy the total amount of the payment when due, 
we will take whatever funds are available each processing day until the minimum payment is satisfied. If due to insufficient funds, we do 

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not transfer funds to make your required Credit Card payment, you will be responsible to ensure that the required Credit Card payment 
is made. If your designated checking or savings account has insufficient funds on the scheduled payment date on two or more occasions, 
we may terminate the Automatic Payment option. 

Unless terminated earlier by us, the Automatic Payment option remains in full force until Logix receives written or verbal notification 
from you terminating the arrangement. Your request for termination must give Logix reasonable opportunity to act on it. 

USING  YOUR  LOGIX  PLATINUM  REWARDS  CREDIT  CARD  TO  EARN  REWARDS:      Please  see  the  Logix  Rewards  Program  Disclosure  – 
Program Rules for more information.  

VARIABLE RATE INFORMATION: The Platinum Classic, Platinum and Platinum Rewards Credit Cards have a variable-rate feature, and the 
annual percentage rate (corresponding to the periodic rate) and the minimum payment may increase as a result.  Any increase or decrease 
in the Annual Percentage Rate will result in changes in the amount and/or number of payments required to repay the Account balance.  
Decreases in the Annual Percentage Rate in accordance with the terms of this Agreement and Disclosure are mandatory.  Increases in the 
Annual Percentage Rate in accordance with the terms of this Agreement and Disclosure are at our discretion. 

INTEREST CHARGES AND ANNUAL PERCENTAGE RATE: 

The Annual Percentage Rate (APR) includes interest and may include fees considered to be a finance charge.  The APR is based on an 
Index Value plus a Margin.  The Index is the highest U.S. Prime Rate as published in the Wall Street Journal on the day following your 
billing cycle date, rounded up to the nearest one-quarter of one percent (0.250%)(the Index Value). Your billing cycle date is the same 
day of each month as indicated on your credit card statement.  If the U.S. Prime Rate increases, your rate will increase. Should the Index 
be discontinued or otherwise be made unavailable during the term of your line of credit, we will choose a new Index that is based on 
comparable information and we will provide you notice of this change. 

The Margin is a specific number of percentage points which is added to the Index Value to calculate the  Annual Percentage Rate. The 
Margin for the Platinum Classic Credit Card ranges between 9.99% and 14.49%. The Margin for the Platinum Credit Card ranges between 
4.99% and 14.49%.  The Margin for the Platinum Rewards Credit Card ranges between 5.99% and 14.49%. The margin is the same for 
purchases, cash loan advances, and balance transfers. 

Ask us for the current Index Value. Your Daily Periodic Rate and corresponding Annual Percentage Rate, as well as the applicable Index 
+ Margin are included in your Congratulations “Approval” Letter. APR information will be reflected on your periodic statements.  

Rate Changes: Increases and decreases in the ANNUAL PERCENTAGE RATE resulting from changes in the Index can occur monthly, that 
is, each billing period on the first day following your billing cycle date (the “Change Date”). On the date following your billing cycle date, 
we will adjust the ANNUAL PERCENTAGE RATE on the Account.  Annual Percentage Rate is based on the Index Value in effect as of the 
date following your billing cycle date, plus your Margin, and will be effective for the current (new) billing cycle.  If there is no change in 
the Index Value on the Change Date, the Annual Percentage Rate will not change for that billing cycle.  The Maximum Annual Percentage 
Rate is currently capped by regulation at 18.00%.  Logix reserves the right to increase the maximum interest rate if permitted by law or 
regulation. 

Interest Charges on Cash Loan Advance:  Interest will be imposed on all cash loan advances that you obtain through the use of your 
Credit  Card  or  Convenience  Checks,  including  credit  withdrawals  at  ATMs,  and  advances  initiated  via  transfer  through  Telephone 
Banking, Online Banking, and through the Checking Account Overdraft Protection feature of your Card, as of the date of posting of each 
such cash loan advance. Interest will continue to accrue until the cash loan advance is repaid. 

Credit Purchases of Goods and Services.  Interest will be imposed on credit purchases of goods and services that you obtain with your 
Card as of the date such credit purchase is posted to your account and will continue to accrue until the date the credit purchase is repaid. 
However, Interest will not be imposed on credit purchases if paid in full by the payment due date during the grace period. 

GRACE PERIOD: There is a grace period of 25 calendar days on all credit purchases of goods and services. In order to avoid interest charges 
on new purchases, you must pay the entire New Balance shown on the statement by the Payment Due Date. If you do not pay in full the 
New Balance shown on the statement by the Payment Due Date, all new purchases will accrue interest at the daily periodic rate from the 
date of the purchase until the closing date of the billing cycle. There is no grace period on balance transfers or on cash loan advance 
transactions.  Some examples of cash loan advances include cash withdrawals at ATMs; advances initiated via transfer through Telephone 
Banking or Online Banking; Convenience Checks; or advances for Checking Account Overdraft Protection transfers, which accrue interest 
charges from the posting date. 

AVERAGE DAILY BALANCE (INCLUDING CURRENT TRANSACTIONS) COMPUTATION METHOD: We figure the interest on your account by 
applying the periodic rate to  the "Average Daily  Balance"  of your account  (including current  transactions). To  get  the "Average Daily 
Balance" we take the beginning balance of your account each day, add any new purchases, balance transfers, and advances, and subtract 
any payments or credits and unpaid interest. This gives us the daily balance.  Then, we add up all the daily balances for the billing cycle 
and divide the total by the number of days in the billing cycle. This gives us the "Average Daily Balance".  

Daily Periodic Rate and Annual Percentage Rate (APR)  

Platinum Rewards -The Daily Periodic Rate used to compute the interest charges on the Platinum Rewards Account are the Index (Prime 
Rate, currently 5.50%) plus a Margin ranging from 5.99% to 14. 49%, divided by [365]. This rate is 0.0315% on an 11.49% APR, 0.0370% 
on a 13.49% APR, 0.0424% on a 15.49% APR, or 0.0493% on a 17.99% APR. The APR will vary with the market based on Prime Rate. 

Platinum (Regular) And Share Secured Platinum Card – Following the discounted introductory rate period, if applicable, the Daily Periodic 
Rate used to compute the interest charges on the Platinum Account is the Index (Prime Rate, currently 5.50%) plus a Margin ranging from 
4.99 to 14.49%, divided by [365]. This rate is 0.0287% on a 10.49% APR, 0.0342% on a 12.49% APR, 0.0397% on a 14.49% APR, 0.0452% 
on a 16.49% APR, or 0.0493% on a 17.99% APR.  The APR will vary with the market based on Prime Rate. 

Platinum Classic - The Daily Periodic Rate used to compute the interest charges on the Platinum Classic Account is the Index (currently 
5.50%) plus a Margin ranging from 9.99 to 14. 49%, divided by [365]. This rate is 0.0424% on a 15.49% APR, 0.0452% on a 16.49% APR, 
0.0479% on a 17.49% APR, or 0.0493% on a 17.99% APR. 

*Note: Not all rates stated above may be available if rate tier has been suspended. Refer to your Credit Card Congratulations “approval” 
letter for your applicable Annual Percentage Rate (APR) and Daily Periodic Rate.  The APR will vary with the market based on Prime 
Rate. 

Introductory or Promotional Rate:  From time to time, there may be an introductory and/or promotional periodic rate and corresponding 
Annual Percentage Rate for purchases, cash loan advances, and/or balance transfers. The introductory rate and/or the promotional rate 
may be a discounted rate that is not based upon the Index and Margin used to make later adjustments. 

For example:  If the introductory periodic rate is 0.00% and corresponding APR is 0.00% for credit card purchases made during the first 
twelve (12) months, such introductory periodic rate and Annual Percentage Rate will remain applicable for a period of twelve (12) months.  
Upon expiration of the twelve (12) months, your purchase transactions will be subject to variable periodic rates and Annual Percentage 

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Rates  calculated  by  adding  the  applicable  Index  Value  to  your  Margin  as  described  in  this  Agreement  and  Disclosure  and  your 
Congratulations “Approval” Letter.  All other transactions will be subject to the variable non-discounted periodic rate and corresponding 
non-discounted Annual Percentage Rate calculated as set forth in your Congratulations “approval” letter and explained in this Agreement 
and Disclosure.  

The Promotional Rate may not be for the entire line of credit.  For example:  The credit card limit is $10,000 and the current credit card 
balance is $0.  The Introductory Rate or Promotional Rate may be limited up to $5,000 of the available credit of $10,000.  

We may end your Introductory or Promotional Annual Percentage Rate during the promotional  period  and apply the penalty Annual 
Percentage Rate if your minimum required payment is more than 60 days late at any time. 

USING YOUR LOGIX PLATINUM REWARDS CREDIT CARD TO EARN REWARDS:  To participate in the Logix Rewards Program and earn 
Points, you must first establish an assigned Logix rewards account by opening (on approved credit) a Logix Platinum Rewards Account. 
No retroactive credit will be given for transactions made before the rewards account is assigned. Points cannot be used in conjunction 
with other frequency or rewards programs. Note: To redeem rewards, you must be a member in good standing with Logix. Refer to the 
Logix Rewards Program Disclosure – Program Rules for complete details. Logix reserves the right to terminate rewards program at any 
time. 

FOREIGN  CURRENCY  CONVERSION  AND  CROSS-BORDER  TRANSACTIONS.  Foreign  currency  transactions  will  be  converted  into  U.S. 
Dollars using either a wholesale exchange rate or government-mandated exchange rate as selected by the credit card Network on the 
date the transaction is processed, which may be a date different from the date the transaction occurred or was posted to your account. 
A Fee of 0.2% is charged for the foreign currency conversion, which is added to the converted U.S. Dollar amount debited to your account. 
Additionally,  all  transactions  conducted  or  processed  outside  of  the  U.S.A.  and  its  territories,  foreign  military  bases,  embassies,  and 
consulates, (Cross-Border transactions), whether conducted in foreign currency or U.S. Dollars, will be assessed a fee of 0.9% of the U.S. 
Dollar amount. Logix Federal Credit Union has no control over the conversion rate used or fees charged by the credit card Network. Logix 
rebates Foreign Transaction fees. 

PENALTY RATE - Credit Cards Not In Good Standing -If your minimum required payment is more than 60 days late at any time, we will 
increase the Annual Percentage Rate, after such notice to you as is required by law, to a variable rate (Penalty Rate) equal to and currently 
capped at  18.00%. We will apply the Penalty Rate to your entire Account  balance and to any future transactions. If you make six (6) 
consecutive minimum periodic payments on time after the date we applied the Penalty Rate, your rate will return to the non-penalty APR 
applicable to your Account. 

COMPUTING THE INTEREST CHARGE: The interest charge on your Account is computed each billing period by multiplying the Average 
Daily Balance on your Account by the applicable Daily Periodic Rate (the ANNUAL PERCENTAGE RATE divided by 365) and then multiplying 
this figure by the number of days in the billing period. 

PERIODIC REVIEW:  A periodic review of credit card and line of credit accounts is performed to determine the continued probability of 
repayment. We also rely on information requested and received from credit reporting bureaus and agencies regarding the handling of 
your credit related accounts with other financial institutions for this same purpose. If, in our opinion, we believe that your credit history 
has significantly deteriorated since your new or reissued Credit Card was provided to you, we reserve the right to close your Account and 
to prohibit further advances. Deterioration in your credit history can result from late payments, collections, liens, or exceeding established 
Credit Limits. 

CROSS-COLLATERALIZATION: Collateral (other than real property) securing other loans with us may also secure this loan. 

CHECKING ACCOUNT OVERDRAFT PROTECTION: Your Credit Card may also provide Overdraft Protection on your Logix checking account.  
Fee:  The fee is $4.00 per overdraft protection transfer.  Please see the Schedule of Service Fees and Charges for the most current fee.  

Limit: Your Checking Account Overdraft Protection limit will be part of, and not in addition to, your total approved Credit Limit under this 
Agreement. 

Application  of  Overdraft  Protection  Feature:  The  Checking  Account  Overdraft  Protection  feature  of  your  Credit  Card  applies  to  any 
overdraft on your checking account provided your Account has available credit, and is not restricted to overdrafts caused by any specific 
or exclusive individual signer(s) on the checking account. 

Liability For Overdrafts Caused By Any Checking Account Signer: You understand that if advances are made against your Account to 
cover overdrafts to your checking account created by other persons with the right to access said checking account, you will be fully liable 
for such advances nonetheless. 

Advances  for  Overdraft  Protection:  All  advances  against  your  Account  for  purposes  of  providing  overdraft  protection  are  cash  loan 
advances and are subject  to interest  charges as identified  above.  All advances to cover checking account  overdrafts will be made in 
increments of $100. 

Overdraft Protection Procedure:  If we receive a check or other item against your checking account which exceeds the available balance 
in your checking account at the time the item is received by us, such check will be considered a request for a cash loan advance by you 
against your Account in an amount sufficient to permit us to honor the check, but not to exceed your approved Credit Limit, and, if your 
request is thereby approved, we will credit the advance to your checking account.  However, if sufficient credit is not available on your 
Account to cover the amount of the check or item, we may not initiate an advance under this Agreement for purposes of checking account 
overdraft protection. 

If we do not initiate a cash loan advance against your Account due to insufficient credit availability, your check(s), or item(s) may be 
honored through another credit agreement you may maintain with us, if any, such as a ReadyLine of Credit, or Logix may, at our discretion 
and without obligation, transfer funds from another savings or checking account you maintain with us to your checking account in order 
to cover and honor the item.  Please refer to other agreements you may have with Logix, or contact a Logix member service representative. 

JOINT ACCOUNTS AND CO-SIGNORS:  If you are a co-signor or if this is a joint account, you agree to be individually and jointly responsible 
with the other borrower(s). Each of you authorizes the other(s) to obtain advances and make purchases individually under this Account. 
We do not have to notify you if payments on the account are not made by the other borrower(s) on time. We can change the terms of 
payment and release any security without notifying you or releasing you from responsibility on this Agreement. If this is a joint account, 
upon request by any party to the account or upon our receipt of inconsistent instructions, we may, at our option and without  notice to 
any other party, refuse any request for an advance or an increase in the Credit Limit amount, or refuse any other request with respect to 
the account. 

ATM FEES BY OTHERS:  If you use an automated teller machine (ATM) that is not operated by us, you may be charged a fee by the operator 
of the ATM and/or by an ATM or automated transfer network. 

LATE PAYMENTS:  We may accept late payments or partial payments without losing any of our rights under this Agreement. Late Charges 
are assessed if your payment is received after the scheduled Payment Due Date. For payments received past due, you agree to pay a Late 
Charge of $15 for balances under $100; $20 for balances $100-$500; $25 for balances over $500. If you are late more than one time 

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during a six (6) month period, we may charge a Late Charge up to $30.  Your Late Charge will never exceed the amount of the payment 
that you failed to make by its scheduled Payment Due Date.   

RETURNED PAYMENT FEE:  If a payment that was applied to your Account is returned to us unpaid for any reason, you will be charged a 
Returned Payment Fee of up to $29. However, the Returned Payment Fee will not exceed the amount of the payment that you were 
required to make under your periodic statement.   

SHARE-SECURED CREDIT CARD- GRANT OF SECURITY INTEREST: If you have been granted a share-secured Credit Card, you understand 
that the granting of the security interest is a condition of us granting you an Account. You understand and agree you have granted us a 
security  interest  in  a  savings  account  as  designated  by  you  by  executing  the  Share-Secured  Credit  Card  Security  Agreement,  which  is 
incorporated into and made part of this Agreement and Disclosure by this reference.   
You understand that you must, at all times, keep a sum equal to your Credit Limit on deposit in the designated savings account(s) identified 
on the Share-Secured Credit Card Security Agreement until you repay your entire Account balance and the Account is terminated.  You 
understand and agree that this security interest will cover future purchases, balance transfers, and advances under this Agreement and 
Disclosure.    If  you  default,  we  may  apply  these  shares  to  repay  your  Account  balance  in  accordance  with  federal  or  other  law.    You 
understand that the Annual Percentage Rate does not take into account the amount pledged in your designated regular share account(s). 

CREDIT CARD CONVENIENCE CHECKS:  Convenience Checks drawn against your Account may be provided to you upon request or issued 
to you as a convenience from time to time by Logix. You may use these checks like you would your personal checks to pay for merchandise, 
pay  off  bills,  other  loans  or  credit  cards.  Use  of  any  Credit  Card  Convenience  Check  will  constitute  a  cash  loan  advance  against  your 
Account and interest will begin to accrue from the date the Convenience Check is posted to your Account (see Cash Loan Advance).  You 
will be charged a NSF Credit Card Convenience Check Fee of up to $30 if you write a Convenience Check for a transaction that exceeds 
your Credit Limit or the Convenience Check is written on a delinquent Account.  The amount of the NSF Credit Card Convenience Check 
Fee will not exceed the amount of the Convenience Check that resulted in such fee being imposed. 

STOP PAYMENT ORDERS ON CREDIT CARD CONVENIENCE CHECKS:  At your request and risk Logix will, without responsibility on its part, 
accept a Stop Payment Order on Credit Card Convenience Checks issued against your Account, subject to a  $20 Stop Payment fee per 
check, at the time such a Stop Payment Order is received. A Stop Payment Order will be in effect if all required information is provided 
and a reasonable amount of time has been allowed for the dissemination of such stop payment information. All written and oral Stop 
Payment Orders on Credit Card Convenience Checks that you write are effective for twelve (12) months from the date received, unless 
otherwise canceled or renewed by you in writing. If we inadvertently pay the Convenience Check when the stop payment should have 
been effective, we will reverse any Logix charges which result, including the Stop Payment fee. In addition, we will reimburse you for your 
losses, up to the amount of the check, so long as you are able to prove that you do not owe the money to the person to whom you wrote 
the check.  However, if you are unable to prove that you do not owe the money, we will not be obligated to reimburse you for the check 
amount. 

EVENTS OF DEFAULT:  You will be in default under this Agreement if any of the following events shall occur: (a) In the event of your death, 
(b) If you are determined incompetent; (c) If you fail to comply with the minimum payment  or any other terms or conditions of this 
Agreement or any other obligation you have or will have with us (for late payment see also “PENALTY RATE” above); (d) If you make false 
or misleading statements in any credit application or update of credit information; (e) If you should become insolvent; (f) If a petition 
should be filed or other proceedings should be started under the Federal Bankruptcy Code or any State insolvency statute by or against 
you; (g) If a Receiver should be appointed or a writ or order of attachment, levy or garnishment should be issued against you or any of 
your property, assets or income; or (h) If we should consider yourself or any debts due under this Agreement unsafe or not completely 
secure or if we should believe, in good faith, that the chances of your paying or performing all of your obligations under this Agreement 
have been impaired. (i) If you are no longer the trustee, account owner or have authority to sign on the related membership share account.  
If you fail to fulfill the terms of this Agreement, a negative report reflecting on your credit record may be submitted to consumer credit 
reporting agencies. 

ENTIRE BALANCE DUE: If you are in default, we may require that you immediately pay the outstanding balance with interest due on the 
balance  at  the  applicable  Annual  Percentage  Rate  provided  in  the  above  “Interest  Charges”  section  until  paid.    You  also  agree  our 
obligation for further credit extensions shall immediately end. If we demand full payment  of the outstanding balance and you fail to 
immediately make payment, you agree to pay all collection costs and fees. 

TERMINATION OF MEMBERSHIP/MEMBERSHIP NOT IN GOOD STANDING: Granting you an Account is conditioned upon your continued 
membership with Logix. Discontinuation of your Logix membership will result in termination and revocation of your Credit Card privileges, 
requiring you to return all Credit Card(s) to Logix and payment of the "ENTIRE BALANCE DUE" as identified in the above section. 
If your membership is not  in good standing, Logix reserves the right to terminate services.   If your credit card is terminated, you are 
responsible to pay the balance in full. 

COLLECTION COSTS: If you are in default under this Agreement, you agree to pay all collection costs, including without limitation, our 
reasonable attorney's fees and court costs incurred during collection. 

INVESTIGATION AUTHORIZATION: You agree to advise us of any changes in your financial condition which may adversely affect your 
creditworthiness  and  authorize  us  to  obtain  information  concerning  your  creditworthiness  from  consumer/credit  reporting  agencies, 
employers, or others, both now and in connection with updates, renewals, and later credit extensions. At your request, we will tell you if 
such information has been obtained or if we take adverse action on your account as a result of information obtained from a consumer 
credit reporting agency. We will advise you of that fact and supply you with the name and address of the reporting agency making the 
report.  We may require that you complete a new credit application if you wish to increase your Credit Limit or extend the terms of 
repayment.  You authorize us to disclose information regarding the Account to credit reporting agencies and other creditors who inquire 
of us about your credit standing to the extent authorized by law. 

CANCELLATION:  You can cancel your Account at any time by returning to us your Card(s), cut in half, along with a letter requesting that 
we cancel your Account. We may cancel this Agreement at any time. However, your obligation under this Agreement and any charges 
and advances made under it prior to cancellation will continue to apply until you have paid all money you owe on the Account. 

NON-REISSUANCE: For security purposes, Logix Credit Cards are reissued periodically.  If at the time of reissuance your Account has been 
inactive for at least 12 months, we will not reissue a new Card to you and may close your Account. 

CHANGE OF NAME, ADDRESS, CONTACT INFORMATION and/or EMPLOYMENT: You will advise us promptly of any change in your name, 
address, contact information or employment. All written notices and statements from us to you will be considered given when placed in 
the United States mail, postage prepaid, and addressed to you at your current address as it appears on our records, or when notified 
electronically if you have requested and consented to electronic statements and notifications. 

CREDITS: If merchants who honor your Card give you credit for returns or adjustments, they will do so by sending us a credit, which we 
will post to your Account. If your credits and payments exceed what you owe us, we will hold and apply the credit balance against future 
purchases or cash advances, or we will refund the credit balance to you within seven (7) business days of receipt of your written request 
if the credit balance is $1.00 or more. 

PLAN MERCHANT DISPUTES:   We are not responsible for the refusal of any plan merchant or financial institution to honor the Account 
and/or Card.  We are subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the Card 

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only if you have made a good faith attempt but have been unable to obtain satisfaction from the plan merchant, and (a) your purchase 
was made in response to an advertisement we sent or participated in sending you; or (b) your purchase cost more than $50.00 and was 
made from a plan merchant in your state or within 100 miles of your current mailing address.  Any other dispute you must resolve directly 
with the plan merchant.  If you dispute a charge with a merchant, we may, in our discretion, credit your Account for all or part of the 
disputed charge.  If we do so, you assign and transfer to us all rights and claims (excluding tort claims) against the merchant.  You agree 
that you will not pursue any claim against the merchant for the credited amount, and you must cooperate with us if we decide to do so.  

LOST/STOLEN CARD NOTIFICATION AND LIABILITY FOR UNAUTHORIZED USE:  You will take reasonable steps to prevent the unauthorized 
use of your Card and Account. You accept responsibility for safeguarding all cards and PINs issued to you and any other users. 

If your Card is lost or stolen, you must tell us at once. You agree to notify us immediately, orally or in writing at  Logix, 2340 Hollywood 
Way, P.O. Box 6759, Burbank, CA 91510 – Telephone: (800) 328-5328 or for International Calls (818) 565-2020, of the loss, theft, or 
unauthorized use of your Logix Credit Card. You may be liable for the unauthorized use of your Credit Card.  You will not be  responsible 
for charges made to your Account that are found to be unauthorized.  If we reimburse your Account for unauthorized charges made using 
your Card, you will help us investigate, pursue and get reimbursement from the wrongdoer.  Your help includes giving us documents that 
we ask for and that are acceptable to us. 
Your liability will not exceed $50 for unauthorized cash advances at ATMs. You will have no liability for unauthorized purchases made 
with your Credit Card. 

For  additional  information  regarding  your  rights  and  our  responsibilities,  please  refer  to  the  “YOUR  BILLING  RIGHTS”  section  of  this 
Agreement.  

Your liability may be greater if we can prove that you did not use reasonable care or were fraudulent in the handling of your Credit Card 
or Account. 

CARD OWNERSHIP:  Any Logix Credit Card issued to you or to another person at your request remains the property of Logix. You agree 
to notify us promptly of the loss, theft, or unauthorized use of your Credit Card. You agree we may terminate, limit or modify your right 
to use your Credit Card at any time in the future without notice to you. 

RESPONSIBILITY: You agree to repay us according to the terms of this Agreement for all purchases, cash loan advances, balance transfers 
transactions, interest, over-limit, annual fees and late charges, if any, arising from the use of the Credit Card by you, or any other person  
you permit to use the Card, even if that person exceeds your permission, or if we approve charges in excess of the Credit Limit. 

IRREGULAR PAYMENTS, TRANSFER OF ACCOUNT, WAIVERS, AND OTHER PROVISIONS:   

Irregular Payments: We may accept late payments or partial payments, or checks, drafts or money orders marked "Payment in Full", 
without losing any of our rights under this Agreement.  

Transfer of Account: You cannot transfer or assign your Account to any other person.  

Delay In Enforcement: We may delay enforcing any of our rights or otherwise refrain from exercising any of our rights regarding any 
breach or default that occurs without losing our rights or waiving our rights.  

Waivers:  Waivers will be binding only if we agree to the waiver in a signed writing.  

Other Provisions: Each of you who signed the Application or use the Account is individually and jointly obligated for all payments due 
under this Agreement. If any part of this Agreement is not valid, all other parts will remain enforceable. 

GOVERNING LAW:  You understand and agree that this Agreement is made in California and shall be governed by the laws of the State of 
California to the extent that California Law is not inconsistent with controlling Federal Law. You also understand that California's "Choice 
of Law Rules" will not be applied if they would result in the application of non-California law. 

INFORMATION  REPORTED TO CREDIT BUREAUS: If you believe that any information  we have reported to consumer credit  reporting 
agencies (credit bureaus) regarding your Account is inaccurate or incomplete, please notify us in writing at Logix, P.O. Box 6999, Burbank, 
CA 91510.  Please provide specific information so that we can identify the information you believe to be inaccurate or incomplete. 

OTHER AGREEMENTS, TERMS AND CONDITIONS: 

a)  You agree to keep your Credit Card in a safe place and permit no unauthorized person to use it. You further agree not to tell any 

unauthorized person your PIN or write your PIN on the Card or otherwise make it available to anyone else.  

b)  You agree to tell us immediately upon the loss or theft of your Card or PIN.  
c)  The Card remains the property of the Credit Union and you agree to surrender the Card to the Credit Union upon demand.  The 
Credit Union may cancel, modify or restrict the ATM-access feature of your Card without notice: if you have exceeded your Credit 
Limit; if we are aware that you have violated any term of this Agreement whether or not Logix has suffered a loss; or where it is 
necessary to maintain or restore the security of your Account or recall the Credit Card through retrieval by any of the automated 
teller machines (ATMs.).  
If you authorize Logix to issue a  Card to anyone else, you authorize that individual to make purchases and obtain cash  loan 
advances from your Account using the Credit Card.  You will be solely responsible for all usage by your designated authorized 
user and understand you are fully responsible for all payments. 

e)  You agree to indemnify and hold Logix harmless from any costs or damages you sustain as a result of Logix carrying  out, in a 

d) 

reasonable manner, any written instructions provided by you.  

INTEGRATED  DOCUMENT(S).    You  understand  and  agree  that  the  Credit  Card  Congratulations  “approval”  letter  and  the  Credit  Card 
Agreement Rates and Fees Table that are included with this Agreement and Disclosure are incorporated herein by reference and are an 
integrated  part  of  this  Agreement  and  Disclosure.  In  addition,  any  separate  sheet  of  paper,  which  is  delivered  together  with  and 
incorporates this Agreement and Disclosure by reference, is an integrated part of this Agreement and Disclosure.  Any future amendments 
to this Agreement and Disclosure will be labeled as such and will form an integrated part of this Agreement and Disclosure. 

ADDITIONAL CREDIT CARD BENEFITS AND SERVICES: There are additional benefits and services available from Mastercard for Mastercard 
Cardholders. Please call (800)328-5328 to request an informational brochure.  We have the right to add, modify, or delete any benefit, 
service, or feature of your Card at our discretion. 

PREPAYMENT OR IRREGULAR PAYMENTS:  Though you need only pay the minimum payment due set forth in your monthly statement, 
you understand that you have the right to repay your Account balance at any time without penalty.  You also understand and agree that 
you will only be charged interest charges to the date you repay your entire Account balance.  You may make larger payments without 
penalty and this may reduce the total amount of interest charges that you will repay.  If you pay more than the  minimum payment due 
in any month and there is still a balance due, you must continue to make minimum payments in future months.  Any partial payment of 
your Account balance will not advance your next payment due date(s).  You understand and agree that any payment that (a) delays or (b) 
accelerates the repayment of your Account balance will (a) increase or (b) decrease your periodic interest charge. Credits from merchants 
may not be applied to the minimum payment due. 

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TELEPHONE MONITORING:  We may listen to and record telephone calls between you and us for the purpose of improving the quality of 
service you receive. 

PAYMENTS MARKED “PAID IN FULL”:  We may accept checks, money orders, or other types of payment marked “payment in full” or 
using other language to indicate full satisfaction of any indebtedness without being bound by such language or waiving any rights under 
this Agreement and Disclosure.  Full satisfaction of indebtedness will be accepted by us only in a written agreement, signed by one of our 
authorized Logix Federal Credit Union representatives. 

FEES AND CHARGES: 
Please refer to the Logix Credit Card Rates and Fees Table below. 

YOUR BILLING RIGHTS:  Keep This Document For Future Use 

This notice tells you about important information about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If you think there is an error on your statement, write to us at: 

Logix 
P.O. Box 6999 
Burbank CA 91510 

You may also contact us on the Web:  www.lfcu.com 

In your letter, give us the following information: 
  Account information: Your name and account number 
  Dollar amount: The dollar amount of the suspected error. 
  Description of problem: If you think there is an error on your bill,  describe what you believe is wrong and why you believe it is a 

mistake. 

You must contact us: 
  Within 60 days after the error appeared on your statement. 
  At least three (3) business days before an automatic payment is scheduled, if you want to stop payment on the amount you think is 

wrong. 

You must notify us of any potential errors in writing. You may call us at (800) 328-5328, but if you do, we are not required to investigate 
any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already 

corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate, whether or not there has been an error: 

  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
 
  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

 
 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. 
We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if 
you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. 
If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of 
anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between 
us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases: 
If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct 
the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase  

price must have been more than $50.  
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
company that sold you the goods or services.) 

2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that 

accesses your credit card account do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at  

Logix 
P.O. Box 6999 
Burbank CA 91510 

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you 
our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 

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Logix Credit Card Rates and Fees Table 
Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
Standard APRs for Purchases, Cash Advances 
and Balance Transfers 

Platinum 
Regular and Share Secured 

Platinum Rewards 

0% Introductory Rate on 
Platinum Regular (only) 

Penalty APR and When it Applies 

Paying Interest 

10.49% APR to 17.99% APR 
This APR will vary with the market based on the Prime Rate. 
11.49% APR to 17.99% APR 
This APR will vary with the market based on the Prime Rate. 
0% Introductory APR on purchases for the first 12 months your 
account is open (excludes cash advances and balances transfers). 
After that, your standard APR will apply and will vary with the 
market based on the Prime Rate. - Must Qualify 
17.99% APR 
This APR may be applied if you: 
Make your minimum payment more than 60 days late at any time.  

How Long Will the Penalty APR Apply? If your APRs are increased, 
the Penalty APR will apply until you make six consecutive minimum 
payments when due. 
Your due date is at least 25 days after the close of each billing cycle.  
We will not charge you interest on purchases if you pay your entire 
balance by the due date each month. We will begin interest on cash 
advances and balance transfers on the transaction date. 

Minimum Interest Charge  None 

Credit Card Tips from the 
Consumer Financial Protection Bureau 

To learn more about factors to consider when applying for or using 
a credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore 

Fees 

Transaction Fees 
Foreign Transaction Fees 

Up to 1.1% of each transaction in U.S. Dollars 
(Logix rebates foreign transaction fees) 

Overdraft Protection Transfer Fee 

$4.00 

Penalty Fees 
Late Payment 
Returned Payment 
NSF Credit Card Convenience Check 
Other Fees 
Stop Payment Credit Card Convenience Check 

Up to $30.00 
$29.00 
$30.00 When over the credit limit or written on delinquent account 

$20.00 

How We Will Calculate Your Balance: We use a method called "average daily balance” (including new purchases). See your 
account agreement and disclosure for more details. 

0% Introductory Rate on Platinum Regular Card - 0% APR Introductory Rate for 12 Months, is available to members who 
meet minimum credit score and underwriting criteria. Cardholder must qualify. Credit card purchases made during the 
first 12 months your credit card account is open qualify for 0% APR for 12 months (365 days from the date your account 
is  opened).  When  the  12-month  0%  APR  Introductory  Rate  period  has  ended,  the  rate  applied  to  any  remaining 
outstanding balance for those transactions will be at the cardholder’s standard Credit Card rate.  

Loss of Introductory/Promotional APR:  We may end your introductory APR or your promotional APR and apply the Penalty 
APR if you make your minimum required payment more than 60 days late at any time. 
Billing Rights:  For information on your rights to dispute transactions and how to exercise those rights refer to your Credit 
Card Agreement and Disclosure. 
Important  Notice  for  Service  Members  and  Their  Dependents  -  Military  Lending  Act  Disclosure:    Military  Lending  Act 
Disclosure: Federal law provides important protections to members of the Armed Forces and their dependents relating to 
extensions of consumer credit. In general,  the cost of consumer credit to a member of the Armed Forces and his or her 
dependent may not  exceed an annual percentage rate of 36 percent.  This rate must include, as applicable to the credit 
transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection 
with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions 
or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call 
us at 866-399-5328 to receive disclosures orally.  

Rates and Terms are accurate as of June 11, 2019. Rates and Terms are Subject to Change without Notice. 
Contact Logix at (800) 328-5328 to obtain the most recent information. 

Logix Federal Credit Union 
PO Box 6759, Burbank, CA 91510 

13729-15 web (06/19)146 

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