VISA GOLD/VISA CLASSIC 
CONSUMER CREDIT CARD AGREEMENT 

In  this  Agreement,  “Agreement”  means  this  Consumer  Credit  Card  Agreement.  “Disclosure”  means  the  Credit  Card 
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement 
and  is  part  of  the  Agreement.  In  this  Agreement  the  words  "you,"  “your,”  and  "yours"  mean  each  and  all  of  those  who 
agree to be bound by this Agreement; "card" means the  Visa Credit Card and any duplicates, renewals, or substitutions 
the  Credit  Union  issues  to  you;  "account"  means  your  Visa  Credit  Card  line-of-credit  account  with  LBS  Financial  Credit 
Union;  and  "Credit  Union"  means  LBS  Financial  Credit  Union  or  anyone  to  whom  LBS  Financial  Credit  Union  transfers 
this Agreement. 
1.  USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you. 
You  agree  that  your  credit  limit  is  the  maximum  amount  (purchases,  cash  advances,  finance  charges,  plus  "other 
charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will 
not allow advances over the credit limit. You may request an increase in your credit limit only by written application to the 
Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an advance and/or terminate 
your  account  at  any  time  for  any  reason  not  prohibited  by  law.  If  you  are  permitted  to  obtain  cash  advances  on  your 
account, we may, from time to time, issue convenience checks to you that may be drawn on your account. Convenience 
checks may not be used to make a payment on your account balance. If you use a convenience check, it will be posted to 
your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for 
any reason and such refusal shall not constitute wrongful dishonor. 
You  may  request  that  we  stop  the  payment  of  a  convenience  check  drawn  on  your  account.  You  agree  to  pay  any  fee 
imposed  to  stop  a  payment  on  a  convenience  check  issued  on  your  account.  You  may  make  a  stop  payment  request 
orally,  if  permitted,  or  in  writing.  Your  request  must  be  made  with  sufficient  time  in  advance  of  the  presentment  of  the 
check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately 
describe the check including the exact  account number, the  payee,  any check number that may be applicable,  and the 
exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 
14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six 
months  and  may  be  renewed  for  additional  six  month  periods  by  requesting  in  writing  that  the  stop  payment  order  be 
renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a 
check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the 
payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any 
legal  action.  You  agree  to  indemnify  and  hold  us  harmless  from  all  costs  and  expenses,  including  attorney's  fees, 
damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result 
of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.  
2.  USING  YOUR  CARD  —  You  understand  that  the  use  of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening 
Disclosure  (Disclosure).  You  may  use  your  card  to  make  purchases  from merchants  and  others  who  accept  your  card. 
The Credit Union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to 
pay for goods or services over the Internet, you may be required to provide card number security information before you 
will be permitted to complete the transaction. In addition, you may obtain overdraft transfers and cash advances from the 
Credit  Union,  from  other  financial  institutions  that  accept  your  card,  and  from  some  automated  teller  machines  (ATMs). 
(Not  all  ATMs  accept  your  card.)  If  the  Credit  Union  authorizes  ATM  transactions  with  your  card,  it  will  issue  you  a 
personal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use 
with your card.  
3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  of 
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You 
also promise to pay all finance charges and other charges added to  your account under the terms of this Agreement or 
another agreement you made with the Credit Union. If this is a joint account,  the paragraph on JOINT ACCOUNTS also 
applies to your account. 
4.  PERIODIC  RATES  —  The  periodic  rates  applicable  to  purchases,  cash  advances,  and  balance  transfers  are 
disclosed on the Disclosure that accompanies this Agreement. Any rate change will be made pursuant to applicable law. If 
the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash 
advances, and balance transfers will vary periodically as disclosed in the Disclosure accompanying this Agreement.  

©CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved 

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5. FINANCE CHARGES  — In order to avoid a FINANCE CHARGE on purchases made since your last statement date, 
you  must  pay  the  Total  New  Balance  within  twenty-five  (25)  days  of  the  Statement  Date  shown  on  your  statement. 
Otherwise  the  FINANCE  CHARGE  on  purchases  is  calculated  from  the  beginning  of  the  next  statement  period  on 
previously  billed  but  unpaid  purchases  and  on  new  purchases  from  the  date  they  are  posted  to  your  account  until  they 
have been paid. Balance transfers, cash advances and overdraft advances are always subject  to a FINANCE CHARGE 
from the date they  are posted to  your account.  You can avoid paying additional FINANCE CHARGES on purchases as 
long as you pay your entire new balance by the twenty-fifth (25th) of each month. 
We figure the FINANCE  CHARGE on  your  account  by  applying the periodic rate to the “average daily  balance” of  your 
account.  To  get  the  “average  daily  balance”  we  take  the  beginning  balance  of  your  account  each  day,  add  any  new 
purchases, cash advances and overdraft advances, and any unpaid other finances charges and subtract any payments or 
credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total b y 
the number of days in the billing cycle. This gives us the “average daily balance.” 
We  multiply  the  average  daily  balance  by  the  daily  periodic  interest  rate  to  get  the  daily  FINANCE  CHARGE  and  then 
multiply that amount by the number of days in the billing cycle to determine the total interest due amount for the statement 
period. The average daily balance is called the “Balance Subject to FINANCE CHARGE” on your statement. 
 6.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from your 
account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing 
international transactions is a rate selected by Visa from a 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. The exchange rate used on the processing date may differ from 
the rate that would have been used on the purchase date or cardholder statement posting date. 
7.  FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to 
your  account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Disclosure  accompanying  this  Agreement.  Your 
account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 
a.  Annual Fee. If  your  account is subject to an Annual  Fee, the fee  will be  charged to  your account. The fee may  be 
charged each year until your account is closed and/or paid in full. 
b.  Foreign Transaction Fee (Finance Charge). A fee (finance charge), calculated in U.S. dollars, will be imposed on all 
multiple  currency  foreign  transactions,  including  purchases,  cash  advances  and  credits  to  your  account.  A  fee  (finance 
charge), calculated in U.S. dollars, will be imposed on all single currency foreign transactions, including purchases, cash 
advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes 
on  your  card  outside  of  the  United  States,  with  the  exception  of  U.S.  military  bases,  U.S.  territories,  U.S.  embassies  or 
U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement. 
c.  Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when 
you do not make the required minimum payment by or within the number of days of the statement Payment Due Date set 
forth on the Disclosure accompanying this Agreement. 
d.  Returned  Payment  Fee.  If  your  account  is  subject  to  a  Returned  Payment  Fee,  the  fee  will  be  charged  to  your 
account when a payment is returned for any reason. 
8.  PAYMENTS — Each month you must pay at least the minimum payment shown on your statement within 25 days of 
statement date. You may pay more frequently, pay more than the minimum payment or pay the total new balance in full. If 
you make extra or larger payments, you are still required to make at least the minimum payment each month your account 
has  a  balance  (other  than  a  credit  balance).  The  minimum  payment  is  3.00%  of  your  total  new  balance,  or  $25.00, 
whichever  is  greater,  plus  the  amount  of  any  prior  minimum  payments  that  you  have  not  made,  all  outstanding  unpaid 
fees and charges, and any amount you are over your credit limit by the date specified on the statement. If your balance is 
less  than  $25.00,  the  minimum  payment  will  be  the  full  balance  on  the  account.  The  Credit  Union  also  has  the  right  to 
demand immediate payment of any amount by which you are over your credit limit. In accordance with applicable law, the 
Credit  Union  may  not  post  payments  to  your  account  or  reflect  them  in  your  available  credit  limit  on  the  date  they  are 
received.    The  Credit  Union  may  delay  replenishing  your  credit  limit  until  the  date  the  payment  is  posted  or  the  Credit 
Union confirms the payment has cleared.  
9.  PAYMENT  ALLOCATION  — Subject to  applicable law,  your payments  may be  applied to  what  you owe the Credit 
Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of 
the  required  minimum  periodic  payment,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the 
highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable 
annual percentage rate.  
10.  SECURITY INTEREST —  
Visa  Gold  and  Visa  Classic.    You  grant  the  Credit  Union  a  security  interest  under  the  Uniform  Commercial  Code  and 
under any common law rights the Credit Union may have in any goods you purchase. 

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Visa  Classic  Secured.    You  grant  the  Credit  Union  a  security  interest  under  the  Uniform  Commercial  Code  and  under 
any  common  law  rights  the  Credit  Union  may  have  in  any  goods  you  purchase.  If  you  give  the  Credit  Union  a  specific 
pledge  of  shares  by  signing  a  separate  pledge  of  shares,  your  pledged  shares  will  secure  your  account.  You  may  not 
withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release all 
or part of the pledged amount.  

Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, 
except  for  shares  in  an  Individual  Retirement  Account  or  in  any  other  account  that  would  lose  special  tax 
treatment under state or federal law if given as security. These other shares may be withdrawn unless you are 
in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint 
share accounts to pay any amounts due on your Account if you should default. 

Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never 
be considered as security for this account, notwithstanding anything to the contrary in any other agreement.  
11.  DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date 
that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you 
die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in 
default if you make any false or misleading statements in any credit application or credit update. You will also be in default 
if something happens that the Credit Union believes may substantially reduce your ability to repay what you owe. 
When  you  are  in  default,  the  Credit  Union  has  the  right  to  demand  immediate  payment  of  your  full  account  balance 
without  giving  you  notice.  If  immediate  payment  is  demanded,  you  agree  to  continue  paying  finance  charges  at  the 
periodic  rate charged before default, until  what  you owe has  been paid, and any shares that  were given  as security for 
your account may be applied towards what you owe. 
12.  LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us 
immediately,  orally  or  in  writing,  at  P.O.  Box  4860,  Long  Beach,  CA    90804-0860  or  telephone  800-527-3328  Monday 
through Friday 8:30 a.m. to 7:00 p.m. Pacific Time, 800-527-3328 Saturday 8:30 a.m. to 5:00 p.m. Pacific Time or 866-
333-4740 after normal business hours, of the loss, theft, or unauthorized use of your credit card. You may be liable for the 
unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, 
theft,  or  possible  unauthorized  use.  You  will  have  no  liability  for  unauthorized  transactions  made  with  your  credit  card, 
unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00. 
13.  CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms 
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with 
applicable  law.  If  permitted  by  law  and  specified  in  the  notice  to  you,  the  change  will  apply  to  your  existing  account 
balance as well as to future transactions. 
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will 
not affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. 
Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject 
to  all  applicable  laws  and  regulations  regarding  repayment  requirements.  You  are  also  responsible  for  all  transactions 
made to your account after termination, unless the transactions were unauthorized. 
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit 
Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.  
14.  CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional  cards  for 
authorized  users  that  you  designate.  You  must  notify  us  in  writing  of  any  termination  of  an  authorized  user's  right  to 
access  your  account.  Your  letter  must  include  the  name  of  the  authorized  user  and  your  account  number  and/or  any 
subaccount  number  issued  to  the  authorized  user  along  with  the  authorized  user's  card  and  any  convenience  or  other 
access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if you 
request your account to be closed, we will close your account and you may apply for a new account. 
15.  CREDIT REVIEW  AND  RELEASE OF INFORMATION  —  You  authorize the  Credit Union to  investigate  your credit 
standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your 
account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency 
cash  and/or  emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide 
personal information about you and your account that is necessary to provide you with the requested service(s). 
16.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or 
adjustments,  and  they  will  do  so  by  sending  the  Credit  Union  a  credit  slip  which  will  be  posted  to  your  account.  If  your 
credits  and  payments  exceed  what  you owe the  Credit Union, the amount  will be applied against future purchases and 
cash  advances.  If  the  credit  balance  amount  is  $1.00  or  more,  it  will  be  refunded  upon  your  written  request  or 
automatically after six months. 

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17.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  —  The  Credit  Union  may  from  time  to  time  offer  additional 
services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit 
Union is not obligated to offer such services and may withdraw or change them at any time. 
18.  MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution 
to  honor  your  card.  The  Credit  Union  is  subject  to  claims  and  defenses  (other  than  tort  claims)  arising  out  of  goods  or 
services  you purchase  with the card if  you have made a good faith attempt but have been unable to obtain satisfaction 
from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union 
sent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 
100 miles of your home. 
19.  JOINT ACCOUNTS — If this is a joint account, each  of you will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay 
the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances 
individually. Any one of you may terminate the account and the termination will be effective as to all of you. 
20.  EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account even 
though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 
21.  NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 
22.  STATEMENTS  AND  NOTICES  —  Statements  and  notices  will  be  mailed  or  delivered  to  you  at  the  appropriate 
address you have given the Credit Union. Notice sent to any one of you will be considered notice to all.  
23.  SEVERABILITY  AND  FINAL  EXPRESSION  —  This  Agreement  and  the  Disclosure  are  the  final  expression  of  the 
terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any 
alleged oral agreement. Should any part of this Agreement or the  Disclosure be found to be invalid or unenforceable, all 
other  parts  of  this  Agreement  and  Disclosure  shall  remain  in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement. 
24.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25.  ILLEGAL USE OF YOUR VISA CREDIT CARD — You agree that your Visa Credit Card account will not be used to 
make  or  facilitate  any  transaction(s)  that  are  or  might  be  construed  to  be  illegal  pursuant  to  applicable  law,  rule  or 
ordinance.  The  use  of  your  card,  including  any  such  authorized  use,  will  constitute  an  event  of  default  under  this 
Agreement. You agree that the Credit Union has no liability, responsibility or culpability whatsoever for any such use by 
you or any authorized user(s). You agree that you are responsible for repayment of any and all debts incurred for these 
transactions.  You  further  agree  to  indemnify  and  hold  the  Credit  Union  harmless  for  any  suits,  liability,  damages,  or 
adverse action of any kind that results directly or indirectly from such illegal use. 
26.  OVERDRAFT  PRIVILEGE —  You  agree  that  if,  pursuant  to  any  overdraft  privilege  on  a  Credit  Union  Checking 
account,  there  is  an  overdraft  of  your  Share  Draft  Account,  the  amount  of  overdraft  will  be  added  to  the  outstanding 
balance  on  your  Visa  Credit  Card  account,  subject  to  the  FINANCE  CHARGE  provisions  set  forth  in  paragraph  5  as 
described  for  cash  advances,  and  will  be  subject  to  all  terms  and  conditions  of  this  Agreement.   The  Visa  Credit  Card 
account  must  be  current  and  not  over  the  credit limit  for funds  to  transfer  to  the  Checking  Account.   Overdrafts  are  not 
allowed for the purpose of making loan payments, including Visa Credit Card account payments, at the Credit Union, ATM 
or in-branch teller cash withdrawals. Overdraft advances will be transferred to your Checking or Money Market account in 
increments of at least $50.00 and  each overdraft advance is considered to be a cash advance.   The Checking Account 
referred to herein  is also subject to a separate agreement between  you and the Credit Union.  Where the  terms of any 
other agreement between you and the Credit Union conflict with the terms of this Agreement, the terms of this Agreement 
will control.   
27. GOVERNING LAW —  This Agreement and  your  Account shall  be governed by California law  without regard to any 
conflict of law rules. 

Your Billing Rights: Keep this Document for Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at the address listed on your statement. 
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. 

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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 or electronically. 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 of the amount you question even if your bill is 
correct. 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased  with  your  credit  card,  and  you  have  tried  in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the 
purchase. 
To use this right, all of the following must be true: 
  1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on 
an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

  2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a 

check that accesses your credit card account do not qualify. 

  3. You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at 
the address listed on your statement. 
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. 
NOTICE  OF  NEGATIVE  INFORMATION  —  Federal  law  requires  us  to  provide  the  following  notice  to  members  before 
any  “negative  information”  may  be  furnished  to  a  nationwide  consumer  reporting  agency.  We  may  report  information 
about  your  account  to  credit  bureaus.  Late  payments,  missed  payments,  or  other  defaults  on  your  account  may  be 
reflected in your credit report. 

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