815 Colorado Boulevard 
Los Angeles, CA 90041 
(323) 254-1700 

CREDIT LINE ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT 

THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-
IN-LENDING  DISCLOSURE  STATEMENTS,  CLASSIC  VISA,  SECURED  CLASSIC  VISA,  PLATINUM  VISA, 
SECURED  PLATINUM  VISA,  CALIFORNIA  PROFESSIONAL  FIREFIGHTERS  ("CPF")  VISA,  SECURED 
CALIFORNIA PROFESSIONAL FIREFIGHTERS ("SECURED CPF") VISA, PROFESSIONAL FIREFIGHTERS 
OF  ARIZONA  (PFFAZ)  VISA  AND  SECURED  PROFESSIONAL  FIREFIGHTERS  OF  ARIZONA  (SECURED 
PFFAZ)  VISA  AGREEMENTS,  AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR 
CLASSIC  VISA,  SECURED  CLASSIC  VISA,  PLATINUM  VISA,  SECURED  PLATINUM  VISA,  CPF  VISA, 
SECURED  CPF  VISA,  PFFAZ  VISA  AND  SECURED  PFFAZ  VISA  CREDIT  CARDS,  AND/OR  ANY  OTHER 
ACCOUNT  ACCESS  DEVICE.  PLEASE  BE  CERTAIN  TO  READ  THIS  AGREEMENT  CAREFULLY  AND 
NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. WORDS, PHRASES OR NUMBERS PRECEDED BY A 
CHECKBOX (

) ARE APPLICABLE ONLY IF THE CHECKBOX IS MARKED (E.G. 

). 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

 _________________________________: _______% 

APR For Balance Transfers 

 _________________________________: ________% 

APR For Cash Advances 

 _________________________________: ________%  

 _________________________________: ________% 

This APR will vary with the market based on the Prime Rate. 

Paying Interest 

We will not charge You interest on purchases if You pay Your entire balance owed each month 
within 25 days of Your statement closing date. We will begin charging interest on cash advances 
and balance transfers on the transaction date. 

Minimum Interest Charge 

For VISA, if You are charged interest, the charge will be no less than $1.00. 

For 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 

Penalty Fees 

  Returned Payment 

  Late Payment 

For VISA, up to $22.00 
Except VISA, $22.00 
For VISA, up to $15.00 
Except VISA, $15.00 

How We Will Calculate Your Balance: Except VISA, We use a method called "daily balance.” For VISA, We use a method called 
"average daily balance (including new purchases).” See Your Account Agreement for details. 

Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account 
Agreement. 

In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean FIREFIGHTERS FIRST FEDERAL CREDIT UNION dba FIREFIGHTERS FIRST CREDIT UNION 
(“FIREFIGHTERS FIRST CREDIT UNION”). The words "You" and "Your" mean each person accepting this Agreement. If this is a joint Account, read singular pronouns in the 
plural. The words "Card" and "Credit Card" mean any Classic VISA, Secured Classic VISA, Platinum VISA, Secured Platinum VISA, CPF VISA, Secured CPF VISA, PFFAZ 
VISA or Secured PFFAZ VISA Credit Card issued to You by Us and any duplicates or renewals. "Convenience Checks" mean the special Account access devices that We may 
provide for Your use from time to time. 

You, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute 
Our Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic requests, advance 
request forms, vouchers, checks, charge slips, Convenience Checks, debit cards, ATM cards, Credit Cards, wire transfers, direct transfers and/or wire transfers to specific 
payees identified by You, direct transfers to Your share/share draft or other Credit Union account and the like. Regardless of the means by which any advance is made, You 
promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your 
Account, including Finance Charges and other fees or charges described herein. 

Copyright Oak Tree Business Systems, Inc., 2018. All Rights Reserved. 

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FEATURE CATEGORIES. Your Account has Feature Categories which may include Safety Line Line of Credit, Classic VISA, Secured Classic VISA, Platinum VISA, Secured 
Platinum VISA, CPF VISA, Secured CPF VISA, PFFAZ VISA and Secured PFFAZ VISA. 

Feature Category 

Monthly 
Periodic Rate 
for Purchases 

Annual 
Percentage Rate 
for Purchases 

_________________________ 

__________% 

__________% 

Feature Category 

Monthly 
Periodic Rate 
for Balance Transfers 

Annual 
Percentage Rate 
for Balance Transfers 

_________________________ 

__________% 

__________% 

Feature Category 

Variable Rate 

Index 

Margin 

Daily 
Periodic Rate 
for Cash Advances 

Monthly 
Periodic Rate 
for Cash Advances 

Annual 
Percentage Rate 
for Cash Advances 

_________________________ 

__________% 

__________% 

Safety Line Line of Credit 

________ 

________ 

__________% 

__________% 

ADVANCES. Whenever You request a transaction, We may require You to prove Your 
identity.  Advances  made  on  Your  Account  will  be  processed  according  to  the 
instructions You give Us (such as by wire transfer, direct transfer to Your Credit Union 
account or by other such means) and You authorize Us to do this, or We may draw a 
draft or check made payable to You and mail it to You. When the amount advanced 
appears on a subsequent statement, that will be conclusive evidence of Your advance 
request unless You notify Us that You disagree with any such item appearing on Your 
periodic  statement  according  to  the  provision  of  this  Agreement  titled  "Your  Billing 
Rights: Keep this Document for Future Use." You understand that whether or not any 
specific secured advance request is approved may be determined by how much equity 
You have or will have in the shares, certificates and/or Collateral offered as security. 

SECURITY. As permitted by law, to secure all transactions under this Agreement 
in either joint or individual Accounts, We have the right to impress and enforce a 
statutory  lien  against  Your  shares  on  deposit  with  Us  (other  than  those  deposits 
established  under  a  governmental  approved  tax  deferral  plan  such  as  an  IRA  or 
Keogh account), and any dividends due or to become due to You from Us to the 
extent that You owe on any unpaid balance on Your Account and We may enforce 
Our  right  to  do  so  without  further  notice  to  You.  Additionally,  You  agree  that We 
may set-off any mutual indebtedness. 

You acknowledge that You own any certificates, shares and/or Collateral pledged as 
security and that there are no other liens against them other than Ours. You agree to 
perform all acts which are necessary to make Our security interest in the certificates, 
shares and/or Collateral being pledged enforceable. 

For advances under any Feature Category secured by certificates, You agree that all 
certificates which are pledged as Collateral must be renewed until Your outstanding 
balance  is  paid  in  full  and  such  Feature  Category  is  closed.  Failure  to  renew  any 
certificates securing any advance will cause Your entire outstanding Account balance 
to become immediately due and payable. 

OTHER SECURITY. Collateral (other than household goods or any dwelling) given as 
security under this Agreement or for any other loan You may have with Us will secure all 
amounts You owe Us now and in the future if that status is reflected in the "Truth-in-
Lending Disclosure" in any particular Agreement evidencing such debt.      

CONSENSUAL LIEN ON SHARES. If You have been issued a Credit Card, ATM 
card or debit card, You grant and consent to a lien on Your shares with Us 
(except  for IRA and  Keogh  accounts) and any  dividends  due  or  to become 
due to You from Us to the extent You owe on any unpaid Credit Card balance, 
and/or  Safety  Line  Line  of  Credit  balance  created  through  the  use  of  Your 
ATM card or debit card. 

ACCOUNT  RESTRICTIONS.  In  order  to  receive  and  maintain  a  Secured  Classic 
VISA,  Secured  Platinum  VISA,  Secured CPF VISA, or Secured PFFAZ VISA  Feature 
Category,  You  agree  to  give  Us  a  specific  pledge  of  shares  which  will  equal  Your 
Credit Limit. In the event that You default on such Feature Category, We may apply 
these shares toward the repayment of any amount owed on that Feature Category. 
You may cancel Your Secured Classic VISA, Secured Platinum VISA, Secured CPF 
VISA, or Secured PFFAZ VISA Feature Category at any time by paying any amounts 
owed  on  that  Feature  Category.  To  be  certain  that  Your  entire  balance  and  all 
advances are paid, any shares pledged may not be available to You for 30 days after 
You have cancelled and any outstanding balance is paid in full. 

LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each 
Feature Category for which You are approved. Unless You are in default, any Credit 
Limits established for You will generally be self-replenishing as You make payments. 
You will keep Your unpaid balance within Your Credit Limit set by Us, and You will 
pay any amount over Your Credit Limit on Our demand whether or not We authorize 
the  advances  which  caused  You  to  exceed  Your  Credit  Limit.  Even  if  Your  unpaid 
balance is less than Your Credit Limit, You will have no credit available during any 
time that any aspect of Your Account is in default. 

JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the 
repayment of any amounts owed. If any Account access device, such as a Personal 
Identification Number (PIN) is requested and approved, You understand that any such 
Account access device(s) will be mailed only to the primary Borrower at the address 
that  We  have  on  file  for  You.  We  may  refuse  to  follow  any  instructions  which  run 
counter to this provision. 

MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only 
pay the Minimum Monthly Payments, You understand that You have the right to repay 
at any time without penalty. You also understand that You will only be charged periodic 
Finance Charges to the date You repay Your entire balance. You may make larger 
payments without penalty. Any partial payment or prepayment will not delay Your next 
scheduled payment. All payments to Us must be in lawful money of the United States. 
We may apply each payment to whichever Feature Category We wish. For all Feature 
Categories (except VISA), payments will be applied first to any Late Charges owing, 
then  to  the  Finance  Charge  due,  then  to  the  outstanding  principal  balance.  As 
permitted by law, We may apply VISA payments at Our discretion. 

Any unpaid portion of the Finance Charge will be paid by subsequent payments and 
will  not  be  added  to  Your  principal  balance.  You  understand  that  any  delay  in  the 
repayment of Your unpaid balance will increase Your periodic Finance Charges and 
any acceleration in the repayment of Your unpaid balance will decrease Your periodic 
Finance Charges. 

Safety Line Line of Credit Minimum Monthly Payments will be established at the close 
of each billing cycle in an amount equal to the lesser of Your balance or that Minimum 
Payment amount described in the following table that corresponds to Your unpaid balance, 
plus any portion of the Minimum Payments shown on prior statement(s) which remains 
unpaid, plus any amount that exceeds Your approved Credit Limit: 

Unpaid Balance 
$0.01 - $1,000.00 
$1,000.01 - $2,000.00 
$2,000.01 - $3,000.00 
$3,000.01 - $5,000.00 
$5,000.01 - $6,000.00 
$6,000.01 - $7,500.00 
$7,500.01 - $9,000.00 
$9,000.01 - $10,000.00 
$10,000.01 - $12,000.00 
$12,000.01 - $14,000.00 
$14,000.01 - $16,000.00 
$16,000.01 - $18,000.00 
$18,000.01 - $20,000.00 
$20,000.01 - $22,000.00 

Minimum Payment 
$25.00 
$50.00 
$75.00 
$125.00 
$150.00 
$188.00 
$225.00 
$250.00 
$300.00 
$350.00 
$400.00 
$450.00 
$500.00 
$550.00 

Copyright Oak Tree Business Systems, Inc., 2018. All Rights Reserved. 

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Unpaid Balance 
$22,000.01 - $24,000.00 
$24,000.01 - $26,000.00 
$26,000.01 - $28,000.00 
$28,000.01 - $30,000.00 
$30,000.01 - $32,000.00 
$32,000.01 - $34,000.00 
$34,000.01 - $36,000.00 
$36,000.01 - $38,000.00 
$38,000.01 - $40,000.00 
$40,000.01 - $42,000.00 
$42,000.01 - $44,000.00 
$44,000.01 - $46,000.00 
$46,000.01 - $48,000.00 
$48,000.01 - $50,000.00 
$50,000.01 & Greater 

Minimum Payment 
$600.00 
$650.00 
$700.00 
$750.00 
$800.00 
$850.00 
$900.00 
$950.00 
$1,000.00 
$1,050.00 
$1,100.00 
$1,150.00 
$1,200.00 
$1,250.00 
2.50% of the 
unpaid balance 

VISA Minimum Payments will be an amount equal to 2.50% of Your new unpaid VISA 
balance  at  the  end  of  each  billing  cycle,  subject  to  the  lesser  of  $25.00  or  Your 
balance,  plus  any  portion  of  the  Minimum  Payments  shown  on  prior  statement(s) 
which remains unpaid, plus any amount that exceeds Your approved Credit Limit. 

You may, by separate agreement, authorize Us to charge Your payment directly to 
Your share or share draft account. 

LATE CHARGE (EXCEPT VISA). If Your payment is 15 or more days late, You will 
be charged $15.00. 

RETURNED  PAYMENT  FEE  (EXCEPT  VISA).  You  will  be  charged  $22.00  for  the 
returned payment  for  any check  (or  other  negotiable instrument  used for  payment) 
which is returned unpaid. 

FINANCE CHARGES (EXCEPT VISA). A Finance Charge will be assessed on any 
unpaid  principal  balance  for each  Feature  Category  of  Your  Account  for the  period 
such  balance  is  outstanding.  Balances  change  each  time  advances  are  made, 
payments  are  made  or  credits  given  under  any  Feature  Category.  The  Finance 
Charge begins to accrue on the date of each advance and there is no grace period. 

HOW  TO  DETERMINE  THE  FINANCE  CHARGE  (EXCEPT  VISA).    The  Finance 
Charge is determined by multiplying Your unpaid balance at the close of each day in 
the billing cycle being accounted for by the applicable Daily Periodic Rate. The unpaid 
balance is the balance each day after payments, credits, and unpaid Finance Charges 
to that balance have been subtracted and any new advances, insurance premiums or 
other charges have been added to Your unpaid balance. These daily Finance Charges 
are then added together and the sum is the amount of the Finance Charge owed for 
the  Feature  Category  being  accounted  for.  The  total  Finance  Charge  You  owe  on 
Your Account for each billing cycle is the sum of all the Finance Charges due for all 
applicable Feature Categories. 

VISA FINANCE CHARGES. The balances subject to the periodic Finance Charge 
are  the  average  daily  transactions  balances  outstanding  during  the  month 
(including  new  transactions).  To  get  the  average  daily  balance,  We  take  the 
beginning  balance  of  Your  Account  each  day,  add  any  new  purchases,  balance 
transfers,  cash  advances,  debit  adjustments  or  other  charges  and  subtract  any 
payments, credits and  unpaid  Finance  Charges.  This gives  Us the daily  balance. 
Then, We add up all the daily balances for the billing cycle and divide them by the 
number  of  days  in  the  billing  cycle.  The  Finance  Charge  for  a  billing  cycle  is 
computed by multiplying the average daily balance subject to a Finance Charge by 
the Monthly Periodic Rate. 

You can avoid Finance Charges on purchases by paying the full amount of the entire 
balance owed each month within 25 days of Your statement closing date. Otherwise, 
the  new  balance  of  purchases,  and  subsequent  purchases  from  the  date  they  are 
posted to Your Account, will be subject to a Finance Charge. Balance transfers and 
cash advances are always subject to a Finance Charge from the later of the date they 
are  posted  to  Your  Account  or  from  the  first  day  of  the  billing  cycle  in  which  the 
transaction is posted to Your Account. 

If You are charged interest, the charge will be no less than $1.00. 

VARIABLE  RATE  (EXCEPT  VISA).  All  advances  are  subject  to  a  Variable  Rate 
which is based on the highest Prime Rate as published in the Money Rates section 
of The Wall Street Journal in effect on the last day of each calendar month ("Index") 
plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in 
the Index will cause changes in the Interest Rate on the 1st day of the billing cycle 
in the month that immediately follows a change in the Index. Increases or decreases 
in the Interest Rate will cause like increases or decreases in the Finance Charge 
and will affect the number of Your regularly scheduled payments. Your Interest Rate 
will  never  be  greater  than  18.00%  nor  less  than  8.00%  and  will  apply  to  Your 
remaining principal balance. 

OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or 
in  such  increments  as  We  may  from  time  to  time  determine)  to  Your  share 
draft  account  by  an  advance  on  Your  Safety  Line  Line  of  Credit,  Classic  VISA, 
Secured Classic VISA, Platinum VISA, Secured Platinum VISA, CPF VISA, Secured 
CPF VISA, PFFAZ VISA,  or Secured PFFAZ VISA  Feature  Category,  subject  to  this 
provision, to clear any overdraft on Your share draft account. Whether or not such 
transfers  occur  will  be  controlled  by  this  Agreement.  In  any  event,  You  hold  Us 
harmless for any and all liability which might otherwise arise if the transfer does not 
occur. Overdraft protection automatically ceases if this Agreement is ever cancelled 
or terminated or Your Account is in default. 

PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing all 
transactions  on  Your  Account  including  amounts  paid  and  borrowed  since  Your  last 
statement. We will mail You a statement each month in which there is a debit or credit 
balance or when a Finance Charge is imposed. We need not send You a statement if 
We  feel  Your  Account  is  uncollectible  or  if  We  have  started  collection  proceedings 
against  You  because  You  defaulted.  EACH  STATEMENT  IS  DEEMED  TO  BE  A 
CORRECT  STATEMENT  OF  ACCOUNT  UNLESS  YOU  ESTABLISH  A  BILLING 
ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.  

OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no 
obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check, 
You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have been 
reported  lost  or  stolen;  (3)  Your  Account  has  been  cancelled  or  has  expired.  If  a 
postdated Convenience Check is paid and, as a result, any other Convenience Check is 
returned unpaid, We are not responsible for any resulting loss or liability. 

DEFAULT. You will be in default if: (a) You do not make any payment or perform any 
obligation under this Agreement, or any other agreement that You may have with Us; or 
(b)  You  should  die,  become  involved  in  any  insolvency,  receivership  or  custodial 
proceeding  brought  by  or  against  You;  or  (c)  You  have  made  a  false  or  misleading 
statement in Your credit application and/or in Your representations to Us while You owe
money on Your Account; or (d) A judgment or tax lien should be filed against You or any 
attachment  or  garnishment  should  be  issued  against  any  of  Your  property  or  rights, 
specifically including anyone starting an action or proceeding to seize any of Your funds 
on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay Your 
indebtedness hereunder is or soon will be impaired, time being of the very essence. 

Upon any occurrence of default, We may, to the extent permitted by law, cancel Your 
rights under this Agreement, require the return of all access devices and declare the 
entire  balance  of  every  Feature  Category  of  Your  Account  immediately  due  and 
payable, without prior notice or demand. 

COLLECTION COSTS. In the event collection efforts are required to obtain payment 
on  this  Account,  to  the  extent  permitted  by  law,  You  agree  to  pay  all  court  costs, 
private process server fees, investigation fees or other costs incurred in collection and 
reasonable  attorneys’  fees  incurred  in  the  course  of  collecting  any  amounts  owed 
under this Agreement or in the recovery of any Collateral. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if We 
delay  enforcing  them.  We  can  accept  late  payments,  partial  payments  or  any  other 
payments, even if they are marked "paid in full" without losing any of Our rights under 
this Agreement. If any provision of this or any related agreement is determined to be 
unenforceable or invalid, all other provisions remain in full force and effect. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or 
otherwise have a change of address. 

CHANGE  IN  TERMS.  We  may  change  the  terms  of  this  Agreement  by  mailing  or 
delivering to You written notice of the changes as prescribed by the Federal Truth-In-
Lending  Act.  To  the  extent  permitted  by  law,  the  right  to  change  the  terms  of  this 
Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the  periodic  rate 
applicable to Your unpaid balance and/or future advances. 

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional Disclosure 
- Federal Truth-In-Lending Act," which is delivered together with this Agreement or at a later 
date becomes an integrated part of this Agreement and Disclosure. 

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. 
By signing the application; or by using Your Account or any Account access device; or 
by authorizing another to use Your Account, You agree to and accept its terms. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
to update information contained in Your original Account application or other financial 
information related to You, at Our request. You also agree that We may, from time to 
time, as We deem necessary, make inquiries pertaining to Your employment, credit 
standing  and  financial  responsibility  in  accordance  with  applicable  laws  and 
regulations.  You  further  agree  that  We  may  give  information  about  the  status  and 
payment history of Your Account to consumer credit reporting agencies, a prospective 
employer  or  insurer,  or  a  state  or  federal  licensing  agency  having  any  apparent 
legitimate business need for such information.  

Copyright Oak Tree Business Systems, Inc., 2018. All Rights Reserved. 

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TERMINATION.  Either  You  or  We  may  cancel  Your  Account  or  any  particular 
Feature Category of Your Account, at any time, whether or not You are in default. 
You  will,  in  any  case,  remain  liable  to  pay  any  unpaid  balances  according  to  the 
terms of Your Account. 

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 P.O. Box 60890, Los 
Angeles, CA 90060. In Your letter, give us the following information: 

GOVERNING  LAW.  This  Agreement  is controlled and  governed by the laws  of  the 
State of California, except to the extent that such laws are inconsistent with controlling 
federal law. 





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.

SPECIFIC TERMS APPLICABLE TO YOUR CLASSIC VISA,  
SECURED CLASSIC VISA, PLATINUM VISA, SECURED PLATINUM VISA, 
CPF VISA, SECURED CPF VISA, PFFAZ VISA, AND 
SECURED PFFAZ VISA CREDIT CARDS 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
place that it is honored and to get cash advances at participating financial institutions. 
You agree not to use Your Card for illegal transactions including, but not limited to, 
advances made for the purpose of gambling and/or wagering  where such practices 
are in violation of applicable state and/or federal law. 

OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
time  without  notice.  You  agree  to  surrender  Your  Card  and  to  discontinue  its  use 
immediately upon Our request. 

ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your 
request, a Personal Identification Number (PIN) for use with participating Automated 
Teller  Machines  (ATMs).  This  PIN  is  confidential  and  should  not  be  disclosed  to 
anyone. You may use Your PIN to access Your Account and all sums advanced will 
be  added  to  Your  Account  balance.  In  the  event  a  use  of  Your  PIN  constitutes  an 
Electronic Funds Transfer, the terms and conditions of Your Electronic Fund Transfer 
Agreement may also affect Your rights.  

EFFECT  OF  AGREEMENT.  Even  though  the  sales,  cash  advance,  credit  or  other 
slips You may sign or receive when using Your Card contain terms, this Agreement is 
the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED  USE.  You  may  be  liable  for  the  unauthorized  use  of  Your  Card. 
You will not be liable for the unauthorized use that occurs after You notify Us of the 
loss, theft, or possible unauthorized use by calling Us at (800) 231-1626 or by writing 
to Us at P.O. Box 60890, Los Angeles, CA 90060. In any case, Your liability will not 
exceed $50.00. 

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for 
the refusal or inability of merchants, financial institutions and others to accept the Cards 
or Convenience Checks, or electronic terminals to honor the Cards or complete a Card 
withdrawal, or for their retention of the Cards or Convenience Checks. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries  and 
foreign currencies, the exchange rate between the transaction currency and the billing 
currency  (U.S. dollars)  will  be:  (a) 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  (b)  the  government 
mandated rate in effect for the applicable central processing date.  

TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic 
terminal  or  financial  institution  at  which  transactions  were  made,  but  sales,  cash 
advance, credit or other slips cannot be returned with the statement. 

LATE CHARGE. If Your payment is 15 or more days late, You will be charged the 
lesser of: (a) $15.00; or (b) the amount of the required minimum payment. 

RETURNED PAYMENT FEE. You will be charged the lesser of $22.00 or the required 
minimum payment amount for the returned payment for any check (or other negotiable 
instrument used for payment) which is returned unpaid. 

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
or Convenience Checks, You will immediately call Us at (800) 231-1626 or write to Us 
at P.O. Box 60890, Los Angeles, CA 90060.  

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments, they will do so by sending Us a slip which will be posted to Your Account. 
If Your credits and payments exceed what You owe Us, We will hold and apply this credit 
against future purchases and cash advances, or if it is $1.00 or more refund it on Your 
written request or automatically deposit it to Your Share Account after six months.   

Your Billing Rights: Keep this Document for Future Use 

You must contact Us: 




Within 60 days after the error appeared on Your statement.
At least three 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. 

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.
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 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 $50.00 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)

2)

3)

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 
$50.00. (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.) 
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.
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 P.O. Box 60890, Los Angeles, CA 90060.  

This notice tells You about Your rights and Our responsibilities under the Fair 
Credit Billing Act. 

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. 

Copyright Oak Tree Business Systems, Inc., 2018. All Rights Reserved. 

Page 4 of 4 

       OTBS 016 FRB_Web LAFR (5/18) 
Rev. (5/18)

PRICING INFORMATION ADDENDUM – 
CREDIT LINE ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT 

815 Colorado Boulevard 
Los Angeles, CA 90041 
(323) 254-1700

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA CLASSIC, SECURED 
CLASSIC VISA, PLATINUM VISA, SECURED PLATINUM VISA, CPF VISA, SECURED CPF VISA, PFFAZ VISA, AND 
SECURED PFFAZ VISA CREDIT CARD  AGREEMENT  AND  DISCLOSURE. PLEASE BE SURE  TO READ  THIS 
ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

Classic VISA: 11.99% 

Secured Classic VISA: 11.99%

Platinum VISA: 8.99% - 16.99% based on Your creditworthiness.

Secured Platinum VISA: 8.99% - 16.99% based on Your creditworthiness. 

California Professional Firefighters ("CPF") VISA: 8.99% - 16.99% based on Your
creditworthiness.   

Secured California Professional Firefighters ("Secured CPF") VISA: 8.99% - 16.99%
based on Your creditworthiness. 

Professional Firefighters Arizona ("PFFAZ") VISA: 8.99% - 16.99% based on Your
creditworthiness.   

Secured Professional Firefighters Arizona ("Secured PFFAZ") VISA: 8.99% - 16.99%
based on Your creditworthiness.

APR For Balance Transfers  Classic VISA: 11.99% 

Secured Classic VISA: 11.99% 

Platinum VISA: 8.99% - 16.99% based on Your creditworthiness. 

Secured Platinum VISA: 8.99% - 16.99% based on Your creditworthiness. 

California Professional Firefighters ("CPF") VISA: 8.99% - 16.99% based on Your 
creditworthiness.   

Secured California Professional Firefighters ("Secured CPF") VISA: 8.99% - 16.99% based 
on Your creditworthiness. 

Professional Firefighters Arizona ("PFFAZ") VISA: 8.99% - 16.99% based on Your 
creditworthiness.   

Secured Professional Firefighters Arizona ("Secured PFFAZ") VISA: 8.99% - 16.99% based 
on Your creditworthiness.

Please refer to TOP OF PAGE 2 for more important information about Your Account 

Copyright Oak Tree Business Systems, Inc., 2018. All Rights Reserved. 

Page 1 of 2 

  OTBS 016A FRB_Web LAFR (5/18) 
Rev. (5/18)

Interest Rate and Interest Charges (continued) 

APR For Cash Advances 

Classic VISA: 11.99% 

Secured Classic VISA: 11.99% 

Platinum VISA: 8.99% - 16.99% based on Your creditworthiness. 

Secured Platinum VISA: 8.99% - 16.99% based on Your creditworthiness. 

California Professional Firefighters ("CPF") VISA: 8.99% - 16.99% based on Your 
creditworthiness.   

Secured California Professional Firefighters ("Secured CPF") VISA: 8.99% - 16.99% based 
on Your creditworthiness. 

Professional Firefighters Arizona ("PFFAZ") VISA: 8.99% - 16.99% based on Your 
creditworthiness.   

Secured Professional Firefighters Arizona ("Secured PFFAZ") VISA: 8.99% - 16.99% based 
on Your creditworthiness.

Paying Interest 

We will not charge You interest on purchases if You pay Your entire balance owed each month 
within 25 days of Your statement closing date. We will begin charging interest on cash advances 
and balance transfers on the transaction date. 

Minimum Interest Charge 

For VISA, if You are charged interest, the charge will be no less than $1.00. 

Fees 

Penalty Fees 

 Returned Payment
 Late Payment

Up to $22.00 
Up to $15.00 

  How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” 

Please refer to PAGE 1 for more important information about Your Account 

The balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average 
daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and 
subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by 
the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly 
Periodic Rate. 

You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the 
new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances 
are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to 
Your Account. 

If You are charge interest, the charge will be no less than $1.00. 

Your Classic VISA is subject to a Monthly Periodic Rate of 0.9992% (corresponding to an ANNUAL PERCENTAGE RATE of 11.99%). 

Your Secured Classic VISA is subject to a Monthly Periodic Rate of 0.9992% (corresponding to an ANNUAL PERCENTAGE RATE of 11.99%). 

Your Platinum VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on Your 
creditworthiness. 

Your Secured Platinum VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on 
Your creditworthiness. 

Your  CPF  VISA  is  subject  to  a  Monthly  Periodic  Rate  of  0.7492%  -  1.4158%  (corresponding  to  an  ANNUAL  PERCENTAGE  RATE  of  8.99%  -  16.99%),  based  on  Your 
creditworthiness. 

Your Secured CPF VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on 
Your creditworthiness. 

Your PFFAZ VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on Your 
creditworthiness. 

Your Secured PFFAZ VISA is subject to a Monthly Periodic Rate of 0.7492% - 1.4158% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 16.99%), based on 
Your creditworthiness. 

Copyright Oak Tree Business Systems, Inc., 2018. All Rights Reserved. 

Page 2 of 2 

  OTBS 016A FRB_Web LAFR (5/18) 
Rev. (5/18)