Visa Signature Credit Card Agreement
1.INTRODUCTION.This VISA Credit Card Agreement (Agreement) and the Account Disclosures accompanying this Agreement will govern your Signature Visa 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 the person whose name is embossed on the Card. The words �we,� �our,� and �OnPoint� means OnPoint Community Credit Union. The word �Card� means any one or more credit cards issued under OnPoint�s Signature Visa program. Except as otherwise specified in this Agreement, all terms and conditions of this Agreement apply to any Card issued under any of the above-referenced programs. If you sign a written or online application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by the following terms and conditions which will govern this Account.2.
A
CCOUNT ACCESS.A
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urchases and Cash Advances. You must sign the Card to use it. Once you have signed the Card, you can use it to make purchase, cash advance and balance transfer transactions up to the full amount of your credit line. You may use your Account to get cash advances from OnPoint. You may also use your Card to get a cash advance from participatin g financial institutions or automated teller machines (ATMs). You may use your Card to purchase goods and services any place your Card is honored by participating merchants. No purchase amount may exceed the available funds in your account. Only credit card balance transfers you make from another institution will be permittedand treated as a cash advance. OnPoint reserves the right to refuse any transaction that would draw upon insuf ficient funds. B
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ISA Convenience Checks. If we approve, you may obtain advances under your Account by writing preprinted VISA convenience loan checks that we supply to you. Your use of loan checks will be shown as cash advances on your monthly statement. We may not honor your loan check if: your check is post-dated; payment of the check would exceed your Credit Limit; a check is signed by a person without authorized access; the amount of the check is less than the minimum required 1
 amount; your Account has been terminated or suspended, or any drafts have been reported lost or stolen. You may stop payment on a loan check if you provide OnPoint with the exact information describing the check. If you give OnPoint incorrect information, we will not be responsible for failing to stop payment. You understand there may be a charge for each stop payment order requested. Our liability for a wrongful dishonor is limited to your actual charges, however, a dishonor for the reasons stated above is not a wrongful dishonor. Only the person whose name is printed on a convenience check may sign it. All convenience checks must be written in U.S. dollars. We will not certify a convenience check. You may write these checks for any amount providing your total outstanding balance does not exceed your available credit limit and your credit card remains in good standing. We are entitled to return it unpaid if there is not enough available credit on your account to pay it, if you are in default under this Agreement, if your card or convenience checks have been reported lost or stolen, or if the convenience check is post-dated. Over-limit fees will be charged as applicable. A VISA convenience check may not be used to make a payment on your Account. OnPoint shall have no liability for any convenience check returned in excess of your credit line.C. Overdraft Advances. In the event we have approved overdraft protection for you, for any overdrafts on a savings or checking account of yours, we will treat the overdraft as a request for a cash advance on your credit line and we will transfer this amount to your overdrawn account. For purposes  of this Agreement, an overdraft advance will be treated as a c
ash advance.3. YOU PROMISE TO PAY.You promise to pay OnPoint all such amounts, plus any Interest Charges, which arise from use of the Card or Account by you or any other person, and to be jointly and severally liable with such a person, unless such other person does not have actual, implied, or apparent authority for such use, and you received no 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 may access your credit line through Card purchases, cash advances at participating merchants and loan checks. We will advise you of the amount of your credit line on your statement. That amount will be the maximum amount you may have outstanding at any one time. You agree not to attempt to obtain more credit than the amount of your credit line. We retain the right to increase or decrease your credit line at any time for any reason. Any increase or reduction on the limit of your credit line will be shown on your monthly statement or by separate notice together with any changes in the applicable minimum monthly payments. Your eligibility for this credit line is determined by our loan policy and may be terminated at our sole discretion, without demand or notice. You may close your credit line at any time by notifying OnPoint in writing and returning all Cards cut 2 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 M ONTHLY P AYMENT.
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 $50.00, whichever is 
greater. If your outstanding balance is $50.00 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 allocate d 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. SECUR ITY 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 open-end consumer loan obli gations (except dwelling-
secured loans), in the past and in the future, will secure your 
obligations under this Agreement. In addition, by signi ng the 
Card Application, you have given OnPoint a security interest in al l 
your deposits, present and future, and all accounts (except 
Individual Retirement Accounts)  with OnPoint. You agree, u pon 
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 r eceiving your 
card.
7. MONTHLY STATEMENTS.
Each month we will send you a statement showing purchases, 
cash advances, payments, and credits made to your Account 
during the billing cycle, as well as your �New Balance,� any 
Interest Charge and any late charge or other charges. Your
3 4statement also will identify the Minimum monthly payment  you 
must make for that billing period and the date it is due.  You 
agree to retain for statement veri fication copies of transaction 
slips resulting from each purchase, each advance, and other 
transaction on your Account. Unless you notify OnPoint of a 
billing error as described below, you accept your monthly 
statement as an accurate statement of your Account w ith 
OnPoint.
8. CIRCUMSTANCES UNDER WHICH AN INTER EST 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 (i ncluding balance transfers, 
convenience  check  advances  and overdraft  advances)  from 
the date each cash advance is made or th e rst date of the billing 
cycle in which the cash advance is posted, whichever 
is later, until such advances are paid. There is no time peri od 
within which to pay to avoid a peri odic Interest Charge on cash 
advances,  including  balance  transfers  and convenience  check 
cash advances.
B. Purchases. An Interest Charge wi ll be imposed on the  portion 
of purchases included in the new balance that remains unpaid 25 
days after the closing date. Thi s �grace period� allows you to 
avoid a 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 gure the Interest Charge on your Account by applying the  
Periodic Rate to the �Average Daily Balance� of the account 
including current purchases and cash advances for your Account. 
To get the �Average Daily Balance� we take the beginning 
purchase and cash advance balances of your Account each day, 
add any new purchases and cash advances and subtract any 
payments or credits, unpaid Interest Charges and unpaid late 
charges. The Interest Charge is determined by multiplying the 
average daily balance by the number of days in the billing cycl e 
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 p eriodi c Interest  Charge  on 
purchases  and the periodic Interest C harge on cash advances.
10. PERIODIC  RATE AND  CORRESPONDING  ANN UAL 
PERCENTAGE  RATE (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 i ndex 
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 i n 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 p romotional  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
BE IMPOSED.
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 check we receive from you as 
payment on your Account is returned to OnPoint unpaid or for any 
convenience check drawn on your Account is returned unpaid, we 
may impose a Returned Item Fee.
C.Card Replacement Fee. We may impose 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.
5 F. ATM Fees. If you use an ATM to obtain a cash advance youmay be charged an ATM surcharge by the ATM operator or an ATM network utilized for such a transaction. The ATM surcharge may be charged to your account if you complete the transaction.G. Attorney�s Fees and Costs. If you default on any part of thisAgreement, you agree to pay OnPoint all costs to collect your Account, including court costs and reasonable attorney feesand collection agency costs whether or not there is a lawsuit, and fees on any appeal and fees for bankruptcy proceedings, appeals, and any post judgment collection services, if applicable.12. CONDITIONS OF CARD USE.The use of your Card and Account are subject to the following conditions:
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 i s 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 t hat 
we believe poses an undue risk of illegality or unlawfulness.
B.Honoring the Card. Neither we nor merchants authorized t o 
honor the Card will be responsible for the failure or refusal t o 
honor the Card or any other credi t instrument or device we s upply 
to you. If a merchant agrees to give you a refund or a djustment, 
you agree to accept a credit to your Account in lieu o f a cash 
refund.
C.Currency Conversion . Purchases and cash advances made in 
foreign currenci es will be billed to you in U.S. dollars. The 
currency conversion rate for foreign currency transactions is 
established by Visa Inc. Currentl y, 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.
D.Notices and Payments. All notices wil l be sent to your a ddress 
as shown on your OnPoint account. You agree to a dvise OnPoint 
promptly if you change your mail ing address. A ll payments should 
be mailed to OnPoint at the remittance a ddress shown on your 
monthly statements. Payments recei ved a t that address will be 
credited to your Account as of the date r eceived.
E.Security of Access Code. The personal  identification number 
(PIN) is for your security purposes. The access code is confidential 
and should not be disclosed to third parties or recorded. You are 
responsible for safekeepi ng 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 entitl ed to act on transaction
6 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. I f you authorize anyone to use 
your access code in any manner t hat authority will be considered 
unlimited in amount and m anner until you specifically revoke such 
authority by notifying
 OnPoint. You are responsible for any 
transactions made by such p ersons until you notify OnPoint that 
transactions and access by
 that person are no longer authorized. If 
you fail to maintain or c hange the security of these access codes 
and OnPoint suffers
 a loss, we may terminate your electronic funds 
transfer and a ccount services
 immediately.
13. DEFAULT.
You will be in default under this Agreement if any of the f ollowing 
occur: (a) Any minimum monthly payment is not made w hen due; 
(b) You become insolvent, bankrupt, or you die; (c) Y ou 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 a s soon as practical 
if it occurs. Upon default, we may declare
 the entire unpaid 
balance immediately due and payable, and y ou agree to pay that 
amount plus any attorney�s fees and costs
 including collection 
agency costs incurred by OnPoint. We can d elay 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 IN
FORMATION/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 t o 
provide OnPoint, at any time we deem necessary, with a c urrent 
financial statement and updated credit information upon request. 
We may investigate your credit directly or through a c redit 
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 liabl
e 
for the unauthorized use of your Card. You will need to notify: 
OnPoint Community Credit Union, PO Box 31112, Tampa FL 
33631-3112 or Telephone: 1-866-820-5831 orally or in writing o
f 
loss, theft, or possible unauthorized use. If you notify OnPoint o f 
your lost or stolen Credit Card after discovery, you may not be 
liable for any losses related to credit transactions. This zero l iability 
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.
716. YOUR CREDIT CARD BILLING RIGHTS
Keep this document for future use. This notice tells you about 
your rights and our responsibil ities 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: OnPoi nt 
Community Credit Union, P.O. Box 31112, Tampa, FL 33631-3279.
In your letter, give us the following information:
� Account information: Your name and account number.� Dollar amount: The dollar amount of the suspected error.� Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.You must contact us:� Within 60 days after the error appeared on your statement.� At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.You must notify us of any potential errors in writing. You may callus, 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 already corrected the error.2. Within 90 days of receiving your letter, we must either correctthe 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:
�  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 r efuse 
to pay. If you do so, we cannot report you as delinquent w ithout 
also reporting that you are questioning your bill. We m ust tell you 
the name of anyone to whom we reported you as d elinquent, 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.
8 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:
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 dissatis fied 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 w e finish our investigation, we will tell you our decision. At that point, if we think you owe anamount 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 anytime 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 S tate of 
Oregon.
19. NOTIC E 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 nal 
expression of the agreement between you and OnPoint. This 
Agreement may not be contradicted by evi dence of any oral 
agreement or alleged oral agreement and contains the terms 
applicable to the credit transacti on.
20. REWARDS.
Applicable to OnPoint Signature Vi sa with Rewards credit card 
only. Features are subject to Terms and Conditions posted at 
www.curewards.com.
21. CASH BAC K REWARDS
Applicable to OnPoint Signature Cash Back credit card only.  
Must maintain quali cations for OnPoint Bundle Rewards. Cash 
back card rewards are credited annually to your open OnPoint 
checking account. If you close your OnPoint checking account 
before rewards are paid, even if your Signature credit card is 
active, you will forfeit your rewards for that year.
9 MILITARY LENDING DISCLOSURE.This Military Lending Disclosure is issued pursuant to and amends your Visa Credit Card Agreement and Account Disclosures as described below:A. 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.B. Military Annual Percentage Rate. Federal law providesimportant protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application feecharged (other than certain application fees for a credit card account); and any participation fee charged (other than certain participation fees for a credit card account).C. Payment Obligation. Your payment obligation under your Credit Card Account is set forth in Sec. 5 in the Visa Credit Card Agreement.D. Security Interest. The Credit Union�s security interest in all your Credit Union shares or deposits pursuant to the Credit Card Agreement will not apply your Credit Card Account. A security interest in shares or deposits granted in connectionwith any other credit card account, loan or line of credit does not secure the Credit Card Account identi fied above, in spite of any provision that collateral securing one loan secures all of your other Credit Union obligations. However, if you establish a deposit or share account specifically in 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 informati on about the Military A nnual 
Percentage Rate and your payment obligation.
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