1Visa Credit Card Agreement
1. INTRODUCTION.This VISA Credit Card Agreement (Agreement) and the Account Disclosures accompanying this Agreement will govern your Platinum VISA or Platinum VISA with Rewards account issued by OnPoint Community Credit Union. In this Agreement the words �you,� �your,� �yours,� �applicant,� and �Borrowers� mean any person who signs the application for this Account, any joint obligor, guarantor, or theperson whose name is embossed on the Card. The words �we,��our,� and �OnPoint� means OnPoint Community Credit Union. Theword �Card� means any one or more credit cards issued underOnPoint�s Platinum VISA or Platinum VISA with Rewards program.Except as otherwise specified in this Agreement, all terms andconditions of this Agreement apply to any Card issued under anyof the above-referenced programs. If you sign a written or online application
 for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by the following terms and conditions which will govern this Account. 2. ACCOUNT ACCESS.A. Purchases and Cash Advances.  You must sign the Card to use 
 it.  Once you have signed the Card, you can use it to make purchase, cash advance and balance transfer transactions up to the full amount of your credit line. You may use your Account to get cash advances from OnPoint. You may also use your Card to get acash advance from participating financial institutions or automatedteller machines (ATMs). You may use your Card to purchase goods and services any place your Card is honored by participating merchants. No purchase amount may exceed the available funds in your account. Only credit card balance transfers you make from another institution will be permitted and treated as a cash advance. OnPoint reserves the right to refuse any transaction that would drawupon insufficient funds.
 2B. VISA Convenience Checks. If we approve, you mayobtain advances under your Account by writing preprinted VISA convenience loan checks that we supply to you. Your use of loanchecks will be shown as cash advances on your monthly statement. We may not honor your loan check if: your check is post-dated;payment of the check would exceed your credit limit; a check issigned by a person without authorized access; the amount of thecheck is less than the minimum required amount; your Account has been terminated or suspended, or any drafts have been reportedlost or stolen. You may stop payment on a loan check if you provide OnPoint with the exact information describing the check. If yougive OnPoint incorrect information, we will not be responsible forfailing to stop payment. You understand there may be a chargefor each stop payment order requested. Our liability for a wrongfuldishonor is limited to your actual charges, however, a dishonorfor the reasons stated above is not a wrongful dishonor. Only theperson whose name is printed on a convenience check may signit. All convenience checks must be written in U.S. dollars. We willnot certify a convenience check. You may write these checks forany amount providing your total outstanding balance does notexceed your available credit limit and your credit card remains ingood standing. We are entitled to return it unpaid if there is notenough available credit on your account to pay it, if you are indefault under this Agreement, if your card or convenience checkshave been reported lost or stolen, or if the convenience check ispost-dated. Over-limit fees will be charged as applicable. A VISAconvenience check may not be used to make a payment on yourAccount. OnPoint shall have no liability for any convenience checkreturned in excess of your credit line. C.
Overdraft Advances. In the event we have approved overdraft protection for you, for any overdrafts on a savings or checkingaccount of 
yours, we will treat the overdraft as a request for a cashadvance on your credit line and we will transfer this amount to youroverdrawn account. For purposes of this Agreement, an overdraftadvance will be treated as a cash advance.3.
YOU PROMISE TO PA
Y.You promise to pay OnPoint all such amounts, plus any InterestCharges, which arise from use of the Card or Account by you orany other person, and to be jointly and severally liable with such aperson, unless such other person does not have actual, implied, orapparent authority for such use, and you received no benefit from the use. You promise to pay OnPoint either by direct payment or by automatic transfers from savings or checking.4.
CREDIT LINE.This Agreement will constitute a revolving 
line of credit for an amount, which will be the credit line under your Account.  You mayaccess your credit line through Card purchases, cash advances atparticipating merchants and loan checks. We will advise you of theamount of your credit line on your statement. That amount will bethe maximum amount you may have outstanding at any one time.You agree not to attempt to obtain more credit than the amount ofyour credit line. We retain the right to increase or decrease yourcredit line at any time for any reason. Any increase or reduction onthe limit of your credit line will be shown on your monthly statement  3or by separate notice together with any changes in the applicable minimum monthly payments. Your eligibility for this credit line is determined by our loan policy and may be terminated at our sole discretion, without demand or notice. You may close your credit line at any time by notifying OnPoint in writing and returning all Cards cut in half. If you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this Agreement and your liability hereunder shall otherwise remain in full force and effect until you have paid OnPoint all sums due OnPoint under this Agreement and returned all Cards.
5. MINIMUM MONTHLY PAYMENT .
You agree that you will pay each month not less than the minimum  
monthly payment on or before the scheduled monthly due date. 
The minimum monthly payment will be 2% of your outstanding  
balance (�New Balance�) or $10.00, whichever is greater. If your 
outstanding balance is $10.00 or less, you agree to pay the 
balance in full. The total minimum payment due each month is the 
minimum monthly payment, any amounts past due and any overlimit 
amounts. You may pay in full for all your purchases and cash 
advances each month, or you may repay in monthly installments.  
We can accept late payments or partial payments, or checks, 
drafts, or money orders marked �payment in full� without prejudice  
to our rights under this Agreement, which are hereby explicitly  
reserved. A credit posting from a merchant or reversal of fees do 
not constitute a minimum monthly payment. Your payments may 
be allocated at the Credit Union�s discretion to pay off lower rate 
balances, such as promotional offers, before higher rate balances,  
such as cash advances or purchases. Payments in excess of the  
minimum payment will be allocated first to higher rate balances, 
as applicable. From time to time, we may allow you to skip your 
minimum monthly payment due. If you choose to skip that payment, 
Interest Charges will continue to accrue in accordance with this 
Agreement. You agree to make payments in accordance with the 
payment instructions on your statement. If you do not follow the 
instructions, there may be a delay in crediting your Account, which 
may result in late fees or additional interest charges.
6. SECURITY INTEREST .
You grant OnPoint a security interest under the Oregon Uniform  
Commercial Code in any goods purchased with your Card. You 
agree that all collateral you have given OnPoint to secure other 
consumer loan obligations except dwelling-secured  loans,  in  
the  past  and  in  the  future,  will  secure your obligations 
under this Agreement.   In addition, by signing the Card  
Application, you have given OnPoint a security interest in all your 
deposits, present and future, and all accounts (except Individual  
Retirement Accounts) with OnPoint. You agree, upon default, 
OnPoint may apply all that is secured to pay any amounts due 
under this Agreement, without further notice to you. You also agree  
that cross-collateralization is a condition of receiving your card.  47. MONTHLY ST ATEMENTS.Each month we will send you a statement showing purchases, cash advances, payments, and credits made to your Account during thebilling cycle, as well as your �New Balance,� any Interest Charge and any late charge or other charges. Your statement also will identify the minimum monthly payment you must make for that billing period and the date it is due. You agree to retain for statement verification copies of transaction slips resulting from each purchase, each advance, and other transactions on your Account. Unless you notify OnPoint of abilling error as described below, you accept your monthly statementas an accurate statement of your Account with OnPoint.8.
CIRCUMSTANCES UNDER 
WHICH AN INTEREST CHARGE WILL BE IMPOSED.The total outstanding balance of purchases and cash advances in the Account on the closing date of a billing cycle, including any fees and Interest Charges will be shown on the Periodic Statement for that billing cycle as the �New Balance.�A.
Cash Advances and 
Balance Transfers. An Interest Charge will be imposed on cash advances (including balance transfers,convenience check advances and overdraft advances) from thedate each cash advance is made or the first date of the billing cycle in which the cash advance is posted, whichever is later, until suchadvances are paid. There is no time period within which to payto avoid a periodic Interest Charge on cash advances, includingbalance transfers and convenience check cash advances.B.
 Purchases.  An Interest Charge will be imposed on the portion of purchases included in the new balance 
that remains unpaid 25 days after the closing date. This �grace period� allows you to avoidan Interest Charge on purchases for a billing cycle. However, to the extent you do not pay your purchase transactions from the previous billing cycle within the grace period, your Interest Charge will accrue from the date purchases are posted to your account.9.
 METHOD USED TO DETERMINE 
THE BALANCE ON WHICH THE INTEREST CHARGE MAY BE COMPUTED AND AMOUNT OF INTEREST CHARGE.We figure the Interest Charge on your Account by applying the Periodic Rate to the �Average Daily Balance� of the account including current purchases and cash advances for your Account. To get the �Average Daily Balance� we take the beginning purchase and cash advance balances of your Account each day, add any new purchases and cash advances and subtract any payments or credits, unpaid Interest Charges and unpaid late charges. The Interest Charge is determined by multiplying the average daily balance by the number of days in the billing cycle and applying the Periodic Rate to that amount. No Interest Charge is imposed on purchases to the extent payments and credits for purchases are made within 25 days of the closing date of the previous billing cycle.  The �Total Interest Charge� shown on your monthly statement consists of the periodic Interest Charge on purchases and the periodic Interest Charge on cash advances. 510. PERIODIC RATE AND CORRESPONDING ANNUALPERCENTAGE RA TE (VARIABLE).
A. Standard Rates. To obtain the Periodic Rate, we divide the 
Annual Percentage Rate by 365. The Annual Percentage Rate may 
change as of the first day of each billing cycle, based on an index 
which is The Wall Street Journal Western Edition Prime Rate as of 
the 10th day of the month (or next business day if the 10th falls on 
a weekend), plus a margin. If the Prime Rate changes on the 10th 
day of the month, the change will be effective on the 1st day of your 
next billing cycle following the change. The margin for your Account 
depends on your credit profile and will be set forth in the Account 
Disclosure that is provided when your Account is opened, and is 
incorporated in this Agreement.
B. Introductory or Promotional Rates. At our discretion, we 
may offer you an introductory or promotional Annual Percentage  
Rate for your Account. Any introductory or promotional Annual  
Percentage Rate will be subject to the terms of the offer and this 
Agreement. We will provide you with information on the offer, 
including the time period the introductory or promotional Annual  
Percentage Rate is in effect in the Account Disclosure when you 
open your Account or in other materials that we send to you about  
the offer after you receive your Credit Card. 
C. Penalty Rate. In the event you are in default of this 
Agreement or if you have more than one late payment in 12 
months, the Annual Percentage Rate on your entire outstanding 
balance will be increased to the Penalty Rate on the first day of the 
new billing cycle following the late payment or notice of default and 
will continue until you have 6 months without any late or insufficient 
minimum payments or you satisfy the default condition.
11. CONDITIONS UNDER WHICH OTHER CHARGES MAY BEIMPOSED.We may impose the following fees and charges on your Account:
A. Late Fee. If we do not receive your minimum payment within 
3 days of the due date, we may impose a Late Fee. If you have 
more than one late payment in 12 months, your account may be 
subject to a penalty Annual Percentage Rate as set forth above.
B. Returned Item Fee. If any item we receive from you as 
payment on your Account is returned to OnPoint unpaid or if any 
convenience check drawn on your Account that is returned unpaid, 
we may impose a Returned Item Fee.
C. Card Replacement Fee. We may im pose a Card 
Replacement Fee for each VISA card that is  lost, stolen, or damaged.
D. Annual Fee. There is no annual fee for use of your Card and 
account.
E. Miscellaneous Photocopying . If you request a copy of a 
sales draft or other document, we may charge your Account 
$2.00 per copy and $25.00 per hour. These charges cover the 
costs of locating, copying, and delivering the documents to you. 
If a request is related to a billing error and an error is found, we will 
reverse any photocopying charges. 6F. ATM Fees. If you use an ATM to obtain a cash advance andthe ATM is not operated by OnPoint, you may be charged an ATMsurcharge by the ATM operator or an ATM network utilized for sucha transaction. The ATM surcharge may be charged to your accountif you complete the transaction.G.
Attorney�s Fees and Costs.  If you default on any part ofthis Agreement, you agree to pay OnPoint all costs to collect yourAccount, including court costs and reasonable attorney fees andcollection agency costs whether or not there is a lawsuit, and feeson any appeal and fees for bankruptcy proceedings, appeals, andany post judgment collection services, if applicable.12.
CONDITIONS OF CARD USE.The use of your Card and Account are subject to the followingconditions:
A. Ownership of Cards.  Any Card or other credit instrument or 
device which we supply to you is our property and must be returned 
to OnPoint, or to any person whom we authorize to act as our agent, 
or to any person who is authorized to honor the Card, immediately  
according to instructions. The Card may be repossessed at any 
time at our sole discretion without demand or notice. You cannot 
transfer your Card or Account to another person. You may not use 
the Card for any illegal or unlawful transactions and we may decline 
to authorize any transaction that we believe poses an undue risk of  
illegality or unlawfulness.
B. Honoring the Card. Neither we nor merchants authorized to 
honor the Card will be responsible for the failure or refusal to honor 
the Card or any other credit instrument or device we supply to you. 
If a merchant agrees to give you a refund or adjustment, you agree  
to accept a credit to your Account in lieu of a cash refund.
C. Currency Conversion and Foreign Transaction Fee. A 
�Foreign Transaction� is any card purchase, cash advance, internet 
initiated transaction or ATM/POS transaction: (i) made in a foreign 
currency or (ii) made in U.S. dollars if the transaction is made or 
processed outside of the U.S. Foreign Transactions include, for 
example, online transactions made in the U.S. with a merchant who 
processes the transaction in a foreign country. You are responsible 
for determining whether a transaction is a Foreign Transaction. 
Foreign Transactions will be billed to you in U.S. dollars. The 
currency conversion rate for Foreign Transactions is established by 
Visa Inc. Currently, the currency conversion rate used by Visa is a 
rate selected by Visa from the range of rates available in wholesale 
currency markets for the applicable central processing date, which 
rate may vary from the rate Visa itself receives, or the government-
mandated rate in effect for the applicable central processing date. 
You will be assessed a Foreign Transaction Fee for each Foreign 
Transaction. See our Rate and Fee Schedule for the current 
Foreign Transaction Fee.
D. Notices and Payments . All notices will be sent to your 
address as shown on your OnPoint account. You agree to advise  
OnPoint promptly if you change your mailing address. All payments 
should be mailed to OnPoint at the remittance address shown on 7your monthly statements. Payments received at that address will 
be credited to 
your Account as of the date received.
E. Security of Access Code. The personal identification 
number (PIN) or access code that you select is for your security
purposes. The access code is confidential and should not be 
disclosed to third parties or recorded. You are responsible for 
safekeeping your access code. You agree not to disclose or 
otherwise make 
your access code available to anyone not
authorized 
to sign on your accounts. If you authorize anyone to
have or use your access code, you understand that person may
review all of your account information and make account 
transactions. Therefore, we 
are entitled to act on transaction 
instructions received using your access code and you agree that the 
use of your access code will have the same effect as your signature 
authorizing transactions. If you authorize anyone to use your access 
code in any manner that authority will be considered unlimited in
amount and manner 
until you specifically revoke such authority by 
notifying OnPoint and 
changing your access code immediately. You
are responsible for 
any transactions made by such persons until you 
notify OnPoint that 
transactions and access by that person are no
longer authorized and 
your access code is changed. If you fail to
maintain or change 
the security of these access codes and OnPoint 
suffers a loss, we may terminate your electronic funds transfer and
account services immediately. 
13. DEFAULT .
You will be in default under this Agreement if any of the following
occur: (a) Any minimum monthly payment is not made when due;
(b)You become insolvent, bankrupt, or you die; (c) You violate any
part of this Agreement, or any other agreement with OnPoint; or (d) 
if we reasonably deem ourselves insecure on your credit line. We 
will notify you in writing of any such action as soon as practical if it 
occurs. Upon default, we may declare the entire unpaid balance  
immediately due and payable, and you agree to pay that amount 
plus any attorney�s fees 
and costs including collection agency costs 
incurred by OnPoint. We can delay enforcing any right under this 
Agreement without losing that right or any other right. A negative  
credit report reflecting on your credit record may be submitted to a 
credit-reporting agency if you fail to fulfill the terms of this Agreement. 
14. CREDIT INFORMATION/FINANCIAL STATEMENTS.
You authorize OnPoint to release information to others (e.g., credit
bureaus, merchants, and other financial institutions) regarding the 
status and history of your credit line. You agree to provide OnPoint, 
at any time we deem necessary, with a current financial statement 
and updated credit information upon request. We may investigate  
your credit directly or through a credit reporting agency.
15. UNAUTHORIZED USE, LOSS OR THEFT OF CREDIT CARD 
You agree to notify OnPoint immediately of the loss, or the theft, 
or the use without your permission, of any Card or other credit 
instrument or device, which we supply to you. 
You may be liable for 
the unauthorized use of your Card. You will need to notify: OnPoint 
Community Credit Union at PO Box 31112, Tampa, FL 33631-3112
or by telephone at 1-866-820-3101 orally or in writing of loss, theft, 
or possible unauthorized use. If you notify OnPoint of your lost or  8� Account information: Your name and account number.
� Dollar amount: The dollar amount of the suspected error.
� Description of problem: If you think there is an error on your 
       bill, describe what you believe is wrong and why you believe
        it is a mistake.
You must contact us:
� Within 60 days after the error appeared on your statement.
� At least 3 business days before an automated payment is
      scheduled, if you want to stop payment on the amount you 
        think is wrong.
You must notify us of any potential errors in writing . You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.B.
What will happen after we receive your letter. When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that 
we received your letter. We will also tell you if we have 
allready  corrected the error.
2. Within 90 days of receiving your letter, we must either correct 
the error or explain to you why we believe the bill is correct.
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.
� The charge in question may remain on your statement, and  
         we may continue to charge you interest on that amount.
� While you do not have to pay the amount in question, you are 
         responsible for the remainder of your balance.
� We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:stolen Credit Card after discovery, you may not be liable for any 
losses related to credit transactions. This zero liability will apply 
provided you were not grossly negligent or fraudulent in handling 
your Card; otherwise your liability for unauthorized VISA Credit Card 
transactions shall not exceed $50.
16. YOUR CREDIT CARD BILLING RIGHTS
Keep this document for future use. This notice tells you about your
rights and our responsibilities under the Fair Credit Billing Act.
A. What to do if you find a mistake on your statement. If you
think there 
is an error on your statement, write to us at: OnPoint
Community Credit Union, P.O. Box 31112, Tampa, FL 33631-3279.
In your letter, give us the following information:
� 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. 91. 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 the above address. While we
investigate, the same rules apply to the disputed amount as 
discussed above. After we finish our investigation, we will tell you 
our decision. At that point, if we think you owe an amount and you 
do not pay, we may report you as delinquent.
17. AMENDMENTS.
We reserve the right to amend the terms of this Agreement at 
any time as permitted by and subject to any limitations and notice 
requirements of applicable law.
18. GOVERNING LAW.
This Agreement shall be governed by the laws of the State of Oregon. 
19. NOTICE AND AGREEMENT. 
You understand and agree to the terms and conditions in this VISA 
Credit Card Agreement. You acknowledge that you have received  
a copy of the Agreement. This Agreement is a final expression of 
the agreement between you and OnPoint. This Agreement may not 
be contradicted by evidence of any oral agreement or alleged oral 
agreement and contains the terms applicable to the credit transaction. 
20. REWARDS. 
Features are subject to Terms and Conditions posted at
www.curewards.com.
MILITARY LENDING DISCLOSURE
This Military Lending Disclosure is issued pursuant to and amends  
your Visa Credit Card Agreement and Account Disclosures as 
described below:If you receive our explanation but still believe your bill is wrong, you 
must write to us within 10 days telling us that you still refuse to pay. 
If you do so, we cannot report you as delinquent without also 
reporting that you are questioning your bill. We must tell you the 
name of anyone to whom we reported you as delinquent, and we 
must let those organizations know when the matter has been settled 
between us. If we do not follow all of the rules above, you do not 
have to pay the first $50 of the amount you question even if your bill 
is correct.
C. Your rights if you are dissatisfied with your credit card 
purchases. If you are dissatisfied with the goods or services that 
you have purchased with your credit card, and you have tried in 
good faith to correct the problem with the merchant, you may have 
the right not to pay the remaining amount due on the purchase. To
use this right, all of the following must be true: 10 11/21B. Military Annual Percentage Rate. Federal law providesimportant protections to members of the Armed Forces and theirdependents relating to extensions of consumer credit. In general,the cost of consumer credit to a member of the Armed Forces andhis or her dependent may not exceed an annual percentage rate of36%. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; feesfor ancillary products sold in connection with the credit transaction;any application fee charged (other than certain application fees fora credit card account); and any participation fee charged (other than certain participation fees for a credit card account).C. Payment Obligation. Your payment obligation under yourCredit Card Account is set forth in Sec. 5 in the Visa Credit CardAgreement. D. Security Interest. The Credit Union�s security interest in allyour Credit Union shares or deposits pursuant to the Credit CardAgreement will not apply your Credit Card Account. A securityinterest in shares or deposits granted in connection with any othercredit card account, loan or line of credit does not secure the Credit 
securing one loan secures all of your other Credit Union obligations. 
connection with your Credit Card Account, funds deposited in that 
account after you establish  the Credit Card Account are subject 
to our security interest as set forth above in the Visa  Credit Card 
Agreement.
E. Credit Union Toll-Free Telephone Number. Call
1-800-527-3932 for  information about the Military Annua l
Percentage Rate and your payment obligation.
M-134683A. Borrower Certification of Active Duty.  By requesting a
Credit Card each borrower certifies to the Credit Union that borrower: 
(i)is a Covered member as a member of the Armed Forces who
is currently serving on active duty (under a call or order not less 
than 30 days) Active Guard or Reserve duty; and (ii) borrower is 
the Covered Member or is a dependent of the Covered Member. 
Borrower(s) authorize the Credit Union to verify their status as a 
Covered Member or dependent by obtaining information from the 
database of the Department of Defense or from a consumer 
report obtained from a consumer reporting agency.