CREDIT CARD ACCOUNT AGREEMENT 
     
                                   AND FEDERAL DISCLOSURE STATEMENT 
                                 THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL 
      P.O. Box 200 ? Whittier, CA 90608-0200  TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA PLATINUM REWARDS AND SECURED VISA 
                                 PLATINUM REWARDS AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE 
      (562) 698-8326 ? FAX (562) 698-2783  
                                 OF YOUR VISA PLATINUM REWARDS AND SECURED VISA PLATINUM REWARDS CREDIT CARDS, 
            www.cusocal.org 
                                 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. 
    Interest Rate and Interest Charges 
                           
    Annual Percentage Rate (APR) 
                          VISA Platinum Rewards: _______% Introductory APR for 12 months. 
    For Purchases 
                            After that, Your APR will be _______%. This APR may vary with the market based 
                            on the Prime Rate. 
                           
                          Secured VISA Platinum Rewards: _______% Introductory APR for 12 months. 
                            After that, Your APR will be _______%. This APR may vary with the market based 
                            on the Prime Rate.  
                           
    APR For Balance Transfers  VISA Platinum Rewards: _______% Introductory APR for 12 months from the date of 
                          each transfer. 
                            After that, Your APR will be _______%. This APR may vary with the market based on the 
                            Prime Rate. 
                           
                          Secured VISA Platinum Rewards: _______% Introductory APR for 12 months from the date 
                          of each transfer. 
                            After that, Your APR will be _______%. This APR may vary with the market based on the 
                            Prime Rate.  
                           
    APR For Cash Advances  VISA Platinum Rewards: _______% 
                            This APR may vary with the market based on the Prime Rate. 
                           
                          Secured VISA Platinum Rewards: _______% 
                            This APR may vary with the market based on the Prime Rate.  
                           
    Penalty APR and When   19.90% 
    it Applies               
                            This APR may be applied to Your Account if: 
                              1) You make a late payment 
                            
                           How Long Will The Penalty APR Apply? If Your APRs are increased for this reason, the 
                           Penalty APR applied to transactions that occur after the increase may be applied indefinitely. 
                           For transactions that occurred prior to the effective date of the increase, the increase will apply 
                           indefinitely unless 6 consecutive payments are received on or before the due date during the 
                           six-month period following such increase. 
                           
    Paying Interest       Your due date is at least 25 days after the close of each billing cycle. We will not charge You 
                          interest on purchases if You pay Your entire balance owed by the due date each month. We 
                          will begin charging interest on balance transfers and cash advances on the transaction date. 
                            
    Minimum Interest Charge  If You are charged interest, the charge will be no less than $0.50. 
                           
    For Credit Card Tips from the  To learn more about factors to consider when applying for or using a Credit Card, 
    Consumer Financial Protection  visit the website of the Consumer Financial Protection Bureau at 
    Bureau                http://www.consumerfinance.gov/learnmore. 
      
    Fees 
                           
    Transaction Fees       
                           
     ?  Cash Advance      2.00% of each advance 
     ?  Foreign Transaction  1.00% of each foreign currency transaction in U.S. Dollars. 
                          0.80% of each U.S. Dollar transaction that occurs in a foreign country. 
                 Please refer to TOP OF PAGE 2 for more important information about Your Account 
   Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.                                                      Page 1 of 4                                                                                                            OTBS 016CC FRB_Web CUSC (7/19)  
       
    Fees (continued) 
                           
    Penalty Fees           
                           
     ?  Returned Payment  Up to $25.00 
     ?  Late Payment      Up to $10.00 
    
    
   How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
   Account Agreement for details. 
    
    
   Loss of Introductory APR: We may end Your Introductory APR, and apply the Penalty APR if You make a late payment. 
    
    
   Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your  
   Account Agreement. 
                    Please refer to PAGE 1 for more important information about Your Account 
    
    
   DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean CREDIT UNION OF SOUTHERN CALIFORNIA. 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 VISA Platinum 
   Rewards or Secured VISA Platinum Rewards Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the VISA Platinum Rewards or 
   Secured VISA Platinum Rewards Credit Card Account established for You under this Agreement. "Convenience Check" means the special Account access devices that 
   We may provide for Your use from time to time. If this is a joint Account, read singular pronouns in the plural. 
    
   PROMISE TO PAY. You understand that the following terms and conditions 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, Convenience Checks, Credit Cards 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. 
    
                              Variable Rate        Monthly             ANNUAL 
                           Index    Margin        Periodic Rate    PERCENTAGE RATE 
    Card Type 
                                                                          
    VISA Platinum Rewards  ____________  ____________  ____________  ____________ 
                                                                          
    Secured VISA Platinum Rewards   ____________  ____________  ____________  ____________ 
   USE OF YOUR CARD. You may use Your Card to buy goods and services in any  MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only 
   place that it is honored and to get cash advances at participating financial institutions.  pay the Minimum Monthly Payments, You understand that You have the right to repay 
   You agree not to use Your Card for illegal transactions including, but not limited to,  at any time without penalty. You also understand that You will only be charged periodic 
   advances made for the purpose of gambling and/or wagering where such practices  Finance Charges to the date You repay Your entire balance. You may make larger 
   are in violation of applicable state and/or federal law.  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. 
   SECURITY. Collateral (other than household goods or any dwelling) given as security  We may apply each payment to whichever Card type We wish. Except as required by 
   under any other loan You may have with Us will secure all amounts You owe Us now  law, We may apply payments at Our discretion. Any unpaid portion of the Finance 
   and in the future if that status is reflected in the "Truth-in-Lending Disclosure" in any  Charge will be paid by subsequent payments and will not be added to Your principal 
   particular Agreement evidencing such debt.       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 
    CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your  unpaid balance will decrease Your periodic Finance Charges. 
    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  Minimum Payments will be an amount equal to 3.00% of Your new unpaid balance at 
    Card balance.                           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, 
   ACCOUNT  RESTRICTIONS.  In  order  to  receive  and  maintain  a  Secured  VISA  plus any amount that exceeds Your approved Credit Limit. 
   Platinum Rewards Credit Card, You agree to give Us a specific pledge of shares which   
   will equal 105.00% of Your approved Credit Limit. In the event that You default on  You may, by separate agreement, authorize Us to charge Your payment directly to 
   Your Secured VISA Platinum Rewards Credit Card, We may apply these shares  Your share or share draft account. 
   toward the repayment of any amount owed on such Credit Card. You may cancel Your   
   Secured VISA Platinum Rewards Credit Card at any time by paying any amounts  FINANCE CHARGES. In the case of any transactions under Your Account, the 
   owed on such Card. To be certain that Your entire balance and all advances are paid,  balances subject to the periodic Finance Charge are the average daily transactions 
   any shares pledged may not be available to You for 30 days after You have cancelled  balances outstanding during the month (including new transactions).  
   and any outstanding balance is paid in full.   
                                            To get the average daily balance for purchases, We take the beginning balance of 
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which  purchases on Your Account each day, add any new purchases, debit adjustments or 
   You are approved. Unless You are in default, the Credit Limits established for You will  other charges and subtract any payments, credits and unpaid Finance Charges. This 
   generally be self-replenishing as You make payments. Your approved Credit Limit for  gives Us the daily balance for purchases. Then, We add up all these daily balances 
   cash advances will be a sum equal to 30.00% of Your approved total Credit Limit.  for the billing cycle and divide them by the number of days in the billing cycle. The 
                                            result is the average daily balance for purchases. The Finance Charge for a billing 
   You will keep Your unpaid balance within Your Credit Limit(s) set by Us, and You will  cycle is then computed by multiplying the average daily balance subject to a Finance 
   pay any amount over Your Credit Limit(s) on Our demand whether or not We authorize  Charge by the Monthly Periodic Rate. Your due date is at least 25 days after the close 
   the advances which caused You to exceed Your Credit Limit(s). Even if Your unpaid  of each billing cycle. You can avoid Finance Charges on purchases by paying the full 
   balance is less than Your Credit Limit(s), You will have no credit available during any  amount of the entire balance owed each month by the due date. Otherwise, the new 
   time that any aspect of Your Account is in default.  balance of purchases, and subsequent purchases from the date they are posted to 
                                            Your Account, will be subject to a Finance Charge. 
   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  To get the average daily balance for balance transfers, We take the beginning balance 
   Personal Identification Number (PIN) is requested and approved, You understand  of balance transfers on Your Account each day, add any new balance transfers, debit 
   that any such Account access device(s) will be provided telephonically, and only to  adjustments or other charges and subtract any payments, credits and unpaid Finance 
   the primary Borrower. We may refuse to follow any instructions which run counter  Charges. This gives Us the daily balance for balance transfers. Then, We add up all 
   to this provision.                       these daily balances for the billing cycle and divide them by the number of days in the 
   Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.                                                      Page 2 of 4                                                                                                            OTBS 016CC FRB_Web CUSC (7/19)  
       
   billing cycle. The result is the average daily balance for balance transfers. The Finance  For all balances, increases or decreases in the Interest Rate will cause like increases 
   Charge for a billing cycle is then computed by multiplying the average daily balance  or decreases in the Finance Charge and will affect the number of Your regularly 
   subject to a Finance Charge by the Monthly Periodic Rate. Balance transfers are  scheduled payments. Your Interest Rate will never be greater than 19.90%, and will 
   always subject to a Finance Charge from the later of the date they are posted to Your  apply to Your remaining principal balance. 
   Account or from the first day of the billing cycle in which the balance transfer is posted   
   to Your Account.                         LATE CHARGE. If Your payment is 14 or more days late, You will be charged the 
                                            lesser of: (a) $10.00; or (b) the amount of the required minimum payment. 
   To get the average daily balance for cash advances, We take the beginning balance   
   of cash advances on Your Account each day, add any new cash advances, debit  FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries and 
   adjustments or other charges and subtract any payments, credits and unpaid  foreign currencies, the exchange rate between the transaction currency and the billing 
   Finance Charges. This gives Us the daily balance for cash advances. Then, We  currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of rates 
   add up all these daily balances for the billing cycle and divide them by the number  available in wholesale currency markets for the applicable central processing date, 
   of days in the billing cycle. The result is the average daily balance for cash  which rate may vary from the rate VISA itself receives; or (b) the government-
   advances. The Finance Charge for a billing cycle is then computed by multiplying  mandated rate in effect for the applicable central processing date. For transactions 
   the average daily balance subject to a Finance Charge by the Monthly Periodic  that are initiated in a foreign currency, You will be charged 1.00% of the final 
   Rate. Cash advances are always subject to a Finance Charge from the later of the  settlement amount. For transactions occurring in foreign countries and initiated in U.S. 
   date they are posted to Your Account or from the first day of the billing cycle in  Dollars, You will be charged 0.80% of the final settlement amount. 
   which the cash advance is posted to Your Account.   
                                            OTHER FEES AND CHARGES. You will be charged the following fees associated 
   The total Finance Charge You owe for each billing cycle is the sum of all the Finance  with the use of Your Card: (a) $25.00 or the required minimum payment amount for 
   Charges due for the balances of purchases, balance transfers and cash advances.  the returned payment, whichever is less, for any check (or other negotiable instrument 
                                            used for payment) which is returned unpaid; (b) $20.00 for each Card that You request 
   During the first 12 months following the date that You establish a VISA Platinum  be provided on an expedited basis; (c) $10.00 for each  Convenience Check that You 
   Rewards Credit Card, purchases made prior to the end of the 60-day period that  request stop payment; (d) $10.00 for the removal of a stop payment previously placed 
   immediately follows the date that Your Account is established will be subject to a  on a Convenience Check; (e) $3.00 each time You request We furnish a duplicate 
   discounted  Introductory  Monthly  Periodic  Rate  of  __________%  (corresponding  copy of a statement; (f) $15.00 each time You request We furnish a copy of any sales 
   ANNUAL  PERCENTAGE  RATE  _________%).  Upon  the  expiration  of  the  draft, voucher or similar document; (g) $25.00 each time a Convenience Check is 
   Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance  presented  for  payment  (when  there  is  insufficient  available  credit  to  pay  such 
   of purchases existing at that time and in the future will immediately increase to the  Convenience Check), subject to a maximum of 3 such charges each calendar day; 
   non-Introductory variable rate that would otherwise apply.  and (h) an amount equal to 2.00% of each cash advance. 
                                             
   For VISA Platinum Rewards, each balance transfer transaction, whenever made, will  PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing all 
   be  subject  to  a  discounted  Introductory  Monthly  Periodic  Rate  of  ______%  transactions on Your Account including amounts paid and borrowed since Your last 
   (corresponding ANNUAL PERCENTAGE RATE _____%) for a period of one-year  statement. We will mail You a statement each month in which there is a debit or credit 
   from the date of such balance transfer.  Upon the expiration of the one-year Introductory  balance or when a Finance Charge is imposed. We need not send You a statement if 
   Rate period for the transferred balance, the Monthly Periodic Rate applicable to the  We feel Your Account is uncollectible or if We have started collection proceedings 
   transferred balance existing at that time and in the future will immediately increase to  against You because You defaulted. EACH STATEMENT IS DEEMED TO BE A 
   the non-Introductory variable rate that would otherwise apply.  CORRECT  STATEMENT  OF  ACCOUNT  UNLESS  YOU  ESTABLISH  A  BILLING 
                                            ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.  
   During the first 12 months following the date that You establish a Secured VISA   
   Platinum Rewards Credit Card, purchases made prior to the end of the 60-day period  OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no 
   that immediately follows the date that Your Account is established will be subject to a  obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check, 
   discounted  Introductory  Monthly  Periodic  Rate  of  __________%  (corresponding  You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have 
   ANNUAL  PERCENTAGE  RATE  _________%).  Upon  the  expiration  of  the  been reported lost or stolen; (3) Your Account has been cancelled or has expired. If a 
   Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance  postdated Convenience Check is paid and, as a result, any other Convenience Check 
   of purchases existing at that time and in the future will immediately increase to the  is returned unpaid, We are not responsible for any resulting loss or liability. 
   non-Introductory variable rate that would otherwise apply.   
                                            DEFAULT. You will be in default if: (a) You do not make any payment or perform any 
   For Secured VISA Platinum Rewards, each balance transfer transaction, whenever  obligation under this Agreement, or any other agreement that You may have with Us; or 
   made, will be subject to a discounted Introductory Monthly Periodic Rate of ______%  (b) You should die, become involved in any insolvency, receivership or custodial 
   (corresponding ANNUAL PERCENTAGE RATE _____%) for a period of one-year from  proceeding brought by or against You; or (c) You have made a false or misleading 
   the date of such balance transfer. Upon the expiration of the one-year Introductory Rate  statement in Your credit application and/or in Your representations to Us while You owe 
   period  for  the  transferred  balance,  the  Monthly  Periodic  Rate  applicable  to  the  money on Your Account; or (d) A judgment or tax lien should be filed against You or any 
   transferred balance existing at that time and in the future will immediately increase to the  attachment or garnishment should be issued against any of Your property or rights, 
   non-Introductory variable rate that would otherwise apply.  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 
   The minimum FINANCE CHARGE that You will be required to pay in any billing cycle  indebtedness hereunder is or soon will be impaired, time being of the very essence. 
   that a Finance Charge is due is $0.50.    
                                            Upon any occurrence of default, We may, to the extent permitted by law, cancel Your 
   VARIABLE RATE. For purchases, following the expiration of the Introductory Rate  rights under this Agreement, require the return of all access devices and declare the 
   period, balances are subject to a Variable Rate which is based on the highest Prime  entire balance of every Feature Category of Your Account immediately due and 
   Rate as published in the money rates section of The Wall Street Journal in effect on  payable, without prior notice or demand.  
   the last day of each calendar quarter of each year ("Index") plus Our Margin.  The Index   
   plus the Margin equals the Interest Rate.  Changes in the Index will cause changes in  PENALTY  RATE.  If  Your payment  is  more  than  60  days  past  due,  subject to 
   the  Interest  Rate  on  the  day  that  the  Introductory  Rate  period  expires,  and  applicable  law,  the  Monthly  Periodic  Rate  applicable  to  Your  entire  balance  of 
   subsequently, on the first day of the billing cycle of the month immediately following any  transactions will increase to a fixed Monthly Periodic Rate of 1.6584% (corresponding 
   such change in the Index.                ANNUAL PERCENTAGE RATE 19.90%). During the six month period following such 
                                            an  increase,  if  We  receive  the  first  six  consecutive  required  minimum  periodic 
   For balance transfers, following the expiration of the Introductory Rate period applicable  payments when due, the rate applicable to the balance of transactions that occurred 
   to the transferred balance, such balance is subject to a Variable Rate which is based  prior to the effective date of the increase will be returned to the standard rate that 
   on the highest Prime Rate as published in the money rates section of The Wall Street  would have otherwise been in effect. 
   Journal in effect on the last day of each calendar quarter of each year ("Index") plus   
   Our Margin.  The Index plus the Margin equals the Interest Rate.  Changes in the Index  COLLECTION COSTS. In the event collection efforts are required to obtain payment 
   will cause changes in the Interest Rate on the day that the Introductory Rate period for  on this Account, to the extent permitted by law, You agree to pay all court costs, 
   the transferred balance expires, and subsequently, on the first day of the billing cycle  private process server fees, investigation fees or other costs incurred in collection and 
   of the month immediately following any such change in the Index.  reasonable attorneys' fees incurred in the course of collecting any amounts owed 
                                            under this Agreement or in the recovery of any Collateral. 
   For cash advances, balances 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  ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   in effect on the last day of each calendar quarter of each year ("Index'') plus Our Margin.   We delay enforcing them. We can accept late payments, partial payments or any other 
   The Index plus the Margin equals the Interest Rate.  Changes in the Index will cause  payments, even if they are marked "paid in full" without losing any of Our rights under 
   changes in the Interest Rate on the first day of the billing cycle of the month immediately  this Agreement. If any provision of this or any related agreement is determined to be 
   following any such change in the Index.  unenforceable or invalid, all other provisions remain in full force and effect. 
   Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.                                                      Page 3 of 4                                                                                                            OTBS 016CC FRB_Web CUSC (7/19)  
       
   NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or  What To Do If You Find A Mistake On Your Statement 
   otherwise have a change of address.       
                                            If You think there is an error on Your statement, write to Us at P.O. Box 200, Whittier, 
   CHANGE IN TERMS. We may change the terms of this Agreement by mailing or  CA 90608-0200. In Your letter, give Us the following information: 
   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  ?  Account information: Your name and Account number. 
   Agreement includes, but is not limited to, the right to change the periodic rate  ?  Dollar amount: The dollar amount of the suspected error. 
   applicable to Your unpaid balance and/or future advances.  ?  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. 
   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  You must contact Us: 
   later date becomes an integrated part of this Agreement And Disclosure.   
                                            ?  Within 60 days after the error appeared on Your statement. 
   CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement.  ?  At least 3 business days before an automated payment is scheduled, if You want 
   By signing the application; or by using Your Account or any Account access device;  to stop payment on the amount You think is wrong. 
   or by authorizing another to use Your Account, You agree to and accept its terms.   
                                            You must notify Us of any potential errors in writing. You may call Us, but if You do 
   UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts  We are not required to investigate any potential errors and You may have to pay the 
   to update information contained in Your original Account application or other financial  amount in question. 
   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  What Will Happen After We Receive Your Letter 
   standing  and  financial  responsibility  in  accordance  with  applicable  laws  and   
   regulations. You further agree that We may give information about the status and  When We receive Your letter, We must do two things: 
   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  1)  Within 30 days of receiving Your letter, We must tell You that We received Your 
   legitimate business need for such information.   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 
   TERMINATION. Either You or We may cancel Your Account at any time, whether or  explain to You why We believe the bill is correct. 
   not You are in default. You will, in any case, remain liable to pay any unpaid balances   
   according to the terms of Your Account.  While We investigate whether or not there has been an error: 
                                             
   OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any  ?  We cannot try to collect the amount in question, or report You as delinquent on 
   time without notice. You agree to surrender Your Card and to discontinue its use  that amount. 
   immediately upon Our request.            ?  The charge in question may remain on Your statement, and We may continue 
                                               to charge You interest on that amount. 
   ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. A Personal Identification  ?  While You do not have to pay the amount in question, You are responsible for 
   Number (PIN) can be obtained for use with participating Automated Teller Machines  the remainder of Your balance. 
   (ATMs). This PIN is confidential and should not be disclosed to anyone. You may use  ?  We can apply any unpaid amount against Your Credit Limit. 
   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 Fund  After We finish Our investigation, one of two things will happen: 
   Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement may   
   also affect Your rights.                 ?  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. 
   EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other  ?  If We do not believe there was a mistake: You will have to pay the amount 
   slips You may sign or receive when using Your Card contain terms, this Agreement is  in question, along with applicable interest and fees. We will send You a 
   the contract which solely applies to all transactions involving the Card.  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  
   UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. You  You owe. 
   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 (866) 287-6225, or by writing to Us at P.O.  If You receive Our explanation but still believe Your bill is wrong, You must write to Us 
   Box 200, Whittier, CA 90608-0200. In any case, Your liability will not exceed $50.00.  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 
   REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for  tell You the name of anyone to whom We reported You as delinquent, and We must 
   the refusal or inability of merchants, financial institutions and others to accept the Cards  let those organizations know when the matter has been settled between Us. If We do 
   or Convenience Checks, or electronic terminals to honor the Cards or complete a Card  not follow all of the rules above, You do not have to pay the first $50.00 of the amount 
   withdrawal, or for their retention of the Cards or Convenience Checks.  You question even if Your bill is correct. 
                                             
   TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
   terminal or financial institution at which transactions were made, but sales, cash   
   advance, credit or other slips cannot be returned with the statement.  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, 
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards  You may have the right not to pay the remaining amount due on the purchase. To use 
   or Convenience Checks, You will immediately call Us during regular business hours  this right, all of the following must be true: 
   at (562) 698-8326 or (866) 287-6225, and after hours, on weekends and holidays, at   
   (800) 556-5678. You may also write to Us at P.O. Box 200, Whittier, CA 90608-0200  1)  The purchase must have been made in Your home state or within 100 miles of 
   to report lost or stolen Credit Cards or Convenience Checks.   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 
   CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or  an advertisement We mailed to You, or if We own the company that sold You 
   adjustments, they will do so by sending Us a slip which will be posted to Your Account.  the goods or services.) 
   If Your credits and payments exceed what You owe Us, We will hold and apply this credit  2)  You must have used Your Credit Card for the purchase. Purchases made with 
   against future purchases and cash advances, or if it is $1.00 or more refund it on Your  cash advances from an ATM or with a check that accesses Your Credit Card 
   written request or automatically deposit it to Your share account after 6 months.    account do not qualify. 
                                            3)  You must not yet have fully paid for the purchase.  
   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  If all of the criteria above are met and You are still dissatisfied with the purchase, 
   federal law.                             contact Us in writing at P.O. Box 200, Whittier, CA 90608-0200.  
                                             
         Your Billing Rights: Keep this Document for Future Use  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  
   This notice tells You about Your rights and Our responsibilities under the Fair  point, if We think You owe an amount and You do not pay, We may report You 
   Credit Billing Act.                      as delinquent.
    
    
   Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.                                                      Page 4 of 4                                                                                                            OTBS 016CC FRB_Web CUSC (7/19)  
       
                                                           
     
                                     PRICING INFORMATION ADDENDUM � 
     
                                     CREDIT CARD ACCOUNT AGREEMENT 
                              
                                   AND FEDERAL DISCLOSURE STATEMENT 
       P.O. Box 200 ? Whittier, CA 90608-0200 
                                 THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL 
       (562) 698-8326 ? FAX (562) 698-2783  
                                 TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA PLATINUM REWARDS AND SECURED VISA 
            www.cusocal.org 
                                 PLATINUM REWARDS AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE 
                                 OF YOUR VISA PLATINUM REWARDS AND SECURED VISA PLATINUM REWARDS 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. 
    Interest Rate and Interest Charges 
                           
    Annual Percentage Rate (APR) 
                          VISA Platinum Rewards: 1.99% Introductory APR for 12 months. 
    For Purchases 
                             After  that,  Your  APR  will  be  10.90%  -  17.90%,  based  on  Your 
                             creditworthiness at the time You establish Your Account. This APR will vary with the 
                             market based on the Prime Rate. 
                              
                          Secured VISA Platinum Rewards: 1.99% Introductory APR for 12 months. 
                             After that, Your APR will be 16.90%  
                             This APR will vary with the market based on the Prime Rate. 
                           
    APR For Balance Transfers  VISA  Platinum  Rewards:  1.99%  Introductory  APR  for  12  months  from  the  date  of 
                          each transfer. 
                             After that, Your APR will be 10.90% - 17.90%, based on Your creditworthiness at the 
                             time You establish Your Account. This APR will vary with the market based on the  
                             Prime Rate. 
                              
                          Secured VISA Platinum Rewards: 1.99% Introductory APR for 12 months from the date of 
                          each transfer. 
                             After that, Your APR will be 16.90%  
                             This APR will vary with the market based on the Prime Rate. 
                           
    APR For Cash Advances  VISA Platinum Rewards: 10.90% - 17.90%, based on Your creditworthiness.  
                             This APR will vary with the market based on the Prime Rate. 
                              
                          Secured VISA Platinum Rewards: 16.90%  
                              This APR will vary with the market based on the Prime Rate. 
                           
    Penalty APR and When   19.90% 
    it Applies               
                            This APR may be applied to Your Account if: 
                            1) You make a late payment 
                            
                           How Long Will The Penalty APR Apply? If Your APRs are increased for this reason, the 
                           Penalty APR applied to transactions that occur after the increase may be applied indefinitely. 
                           For transactions that occurred prior to the effective date of the increase, the increase will apply 
                           indefinitely unless 6 consecutive payments are received on or before the due date during the 
                           six-month period following such increase. 
                           
    Paying Interest       Your due date is at least 25 days after the close of each billing cycle. We will not charge You 
                          interest on purchases if You pay Your entire balance owed by the due date each month. We 
                          will begin charging interest on balance transfers and cash advances on the transaction date. 
                            
    Minimum Interest Charge  If You are charged interest, the charge will be no less than $0.50. 
     
    Fees 
                           
    Transaction Fees       
                           
     ?  Cash Advance      2.00% of each advance 
     ?  Foreign Transaction  1.00% of each foreign currency transaction in U.S. Dollars. 
     
                          0.80% of each U.S. Dollar transaction that occurs in a foreign country. 
                           
                 Please refer to TOP OF PAGE 2 for more important information about Your Account 
     
   Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.                                                      Page 1 of 3                                                                                                      OTBS 016ACC FRB_Web CUSC (7/19)  
       
    Fees (continued) 
                           
    Penalty Fees           
                           
     ?  Returned Payment  Up to $25.00 
     ?  Late Payment      Up to $10.00 
    
   How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
   Account Agreement for details. 
    
    
   Loss of Introductory APR: We may end Your Introductory APR, and apply the Penalty APR if You make a late payment. 
    
    
   Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your  
   Account Agreement. 
    
                    Please refer to PAGE 1 for more important information about Your Account 
                                            
   FINANCE CHARGES. In the case of any transactions under 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 for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, debit adjustments or other 
   charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all these daily balances for the 
   billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then 
   computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Your due date is at least 25 days after the close of each billing 
   cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the due 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. 
    
   To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account e ach day, add any new balance transfers, 
   debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily bal ance for balance transfers. Then, We add 
   up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for balance transfers. 
   The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Balance 
   transfers 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 balance 
   transfer is posted to Your Account. 
    
   To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit 
   adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these 
   daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge 
   for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 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 cash advance is posted to Your Account. 
    
   The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. 
    
   During the first 12 months following the date that You establish a VISA Platinum Rewards Credit Card, purchases made prior to the end of the 60-day period that immediately 
   follows the date that Your Account is established will be subject to a discounted Introductory Monthly Periodic Rate of 0.1658% (corresponding ANNUAL PERCENTAGE RATE 
   1.99%). Upon the expiration of the Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of purchases existing at that time and in the future will 
   immediately increase to the non-Introductory variable rate that would otherwise apply. 
    
   For VISA Platinum Rewards, each balance transfer transaction, whenever made, will be subject to a discounted Introductory Monthly Periodic Rate of 0.1658% (corresponding 
   ANNUAL PERCENTAGE RATE 1.99%) for a period of one year from the date of such balance transfer. Upon the expiration of the one-year Introductory Rate period for the 
   transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-Introductory variable 
   rate that would otherwise apply. 
    
   During the first 12 months following the date that You establish a Secured VISA Platinum Rewards Credit Card, purchases made prior to the end of the 60-day period that 
   immediately follows the date that Your Account is established will be subject to a discounted Introductory Monthly Periodic Rate of 0.1658% (corresponding ANNUAL 
   PERCENTAGE RATE 1.99%). Upon the expiration of the Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of purchases existing at that 
   time and in the future will immediately increase to the non-Introductory variable rate that would otherwise apply. 
    
   For Secured VISA Platinum Rewards, each balance transfer transaction, whenever made, will be subject to a discounted Introductory Monthly Periodic Rate of 0.1658% 
   (corresponding ANNUAL PERCENTAGE RATE 1.99%) for a period of one year from the date of such balance transfer.  Upon the expiration of the one-year Introductory Rate 
   period for the transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-
   Introductory variable rate that would otherwise apply. 
    
   The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. 
    
   For VISA Platinum Rewards, all balances not subject to an introductory rate will be charged finances at a variable Monthly Periodic Rate of 0.9083% to 1.4917 (corresponding 
   ANNUAL PERCENTAGE RATE 10.90% - 17.90%), depending on Your creditworthiness. 
                                            
   For Secured VISA Platinum Rewards, all balances not subject to an introductory rate will be charged finances at a variable Monthly Periodic Rate of 1.4083 (corresponding 
   ANNUAL PERCENTAGE RATE 16.90%), depending on Your creditworthiness. 
    
   VARIABLE RATE. For purchases, following the expiration of the Introductory Rate period, balances 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 quarter of each year ("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 day that the Introductory Rate period expires, and subsequently, on the first 
   day of the billing cycle of the month immediately following any such change in the Index. 
    
   For balance transfers, following the expiration of the Introductory Rate period applicable to the transferred balance, such balance is 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 quarter of each year ("Index") plus Our Margin.  
   Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.                                                      Page 2 of 3                                                                                                      OTBS 016ACC FRB_Web CUSC (7/19)  
       
   The Index plus the Margin equals the Interest Rate.  Changes in the Index will cause changes in the Interest Rate on the day that the Introductory Rate period for the transferred 
   balance expires, and subsequently, on the first day of the billing cycle of the month immediately following any such change in the Index. 
    
   For cash advances, balances 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 quarter of each year ("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 first day of the billing cycle of the month immediately following any such change in the Index. 
    
   For all balances, 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 19.90%, and will apply to Your remaining principal balance. 
    
   For VISA Platinum Rewards, the Margin applicable to Your Account will be 5.65% - 12.65% depending on Your creditworthiness. 
    
   For Secured VISA Platinum Rewards, the Margin applicable to Your Account will be 11.65%. 
    
   Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.                                                      Page 3 of 3                                                                                                      OTBS 016ACC FRB_Web CUSC (7/19)