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Change in Terms of Visa Credit Card Agreement and Federal Truth-In-Lending

 IMPORTANT RETAIN FOR
YOUR RECORDS

LIMITED FEDERAL DISCLOSURE STATEMENT FOR CHANGE IN TERMS OF VISA CREDIT CARD AGREEMENT AND FEDERAL TRUTH IN LENDING DISCLOSURE STATEMENT

EFFECTIVE: AUGUST 16, 2016

This limited disclosure is given in conjunction with the terms of F&A Federal Credit Union’s VISA Credit Card Agreement and Federal Truth-In- Lending Disclosure Statement.
It is given by F&A Federal Credit Union in compliance with the Federal Truth-In-Lending Act. This is not a complete Truth-In-Lending Disclosure but is limited to the change in terms of F&A Federal Credit Union’s Credit Card Agreement and Federal Truth-In-Lending Disclosure Statement.
If you would like another copy of your Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement, you may write to us at 2625 Corporate Place, Monterey Park, CA 91754, call us at 800-222-1226 or visit www.fafcu.org/disclosures.
Effective October 16, 2016, the following changes will be made to your Credit Card Agreement and Federal Truth in-Lending Disclosure Statement.
Please read below about your right to choose not to accept certain changes by canceling your account.
Termination of Variable Rate Program

Your Account is no longer variable rate.

If these changes are acceptable to you, there is no need to contact us. The change will take effect on October 16, 2016. Please read below about your right to choose not to accept certain changes by canceling your account.

YOUR RIGHT TO CANCEL YOUR ACCOUNT: YOU CAN CHOOSE NOT TO ACCEPT THE CHANGES IN THIS NOTICE BY CANCELLING YOUR ACCOUNT.
You have the right to reject the change prior to the effective date of the change unless you fail to make a required minimum periodic payment within sixty (60) days after the due date for that payment.
If you do not want to accept the changes, you may do so by notifying us. Please call (800) 222-1226 ext. 5992 or write us a letter advising us that you do not want to accept the changes. We’ll need to receive this call or letter no later than October 11, 2016. Please be sure to include your name, address and account number and send the letter to: F&A Federal Credit Union, 2625 Corporate Place, Monterey Park, CA 91754 Attn: VISA Department.
Please note that if you choose not to accept the changes:
• You will still be responsible for any outstanding balances on your account.
• Your card will no longer be available for use for new activity, including purchases, as the account will be closed (if it is not already closed).
• Any overdraft protection linked to your F&A checking account will no longer be in effect once your credit card account is closed.

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