® Secured
CREDIT CARD AGREEMENT

NOTICE: See reverse side for important information regarding your rights to dispute billing errors.

In this Agreement, the words you and your mean the person or persons who use or authorize the use of, or who sign an application for, a Christian Community 
Credit Union VISA Secured. Card means the Christian Community Credit Union VISA Secured and any duplicates and renewals the Credit Union issues to you. 
Account means your VISA Secured line of credit account with the Credit Union. Credit Union means Christian Community Credit Union.

255 N. Lone Hill Ave. San Dimas, CA 91773 

1.      Using the Account. If your application for a VISA Secured account is approved, 
the Christian Community Credit Union will establish a line of credit for you and 
notify you of its amount when the card is sent to you. You agree not to let your 
account balance exceed your approved credit limit. Each payment you make 
on the account will restore your credit limit by the amount of the payment which 
is applied to the principal amount of purchases and cash advances. You may 
request an increase in your credit limit only by written application submitted to 
the Credit Union. The Credit Union has the right to reduce or terminate your 
credit limit at any time.
2.      Using the Card. You may use your card to purchase goods and services in 
person, online, and by mail or telephone from merchants and others who accept 
VISA/MasterCard credit cards. In addition, you may obtain cash advances up 
to $1,000 of your approved and available credit limit from the Credit Union, 
from other financial institutions or select merchants participating in the VISA/
MasterCard program and from automated teller machines (ATMs), such as 
VISA/MasterCard ATM Network, that provide access to the VISA/MasterCard 
system. (Not all merchants or ATMs provide such access.) You will need to 
use your Personal Identification Number (PIN) to obtain a cash advance from 
an ATM.
3.      Illegal Use of 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, including 
but not limited to gambling. Said use, 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 from any suits, liability, 
damages or adverse action of any kind that results directly or indirectly from 
such illegal use.
4.      Responsibility. You agree to pay all charges (purchases and cash advances) 
to your account made by you or anyone who you authorize to use your account. 
You also agree to pay all other charges added to your account, pursuant to 
Paragraph 7. Your obligation to pay the amount owed on your account continues 
until  paid  in  full  even  though  an  agreement,  divorce  decree  or  other  court 
judgment to which the Credit Union is not a party may direct someone else to 
pay the account balance. If more than one person signs this Agreement, each is 
individually responsible for all amounts owed on the account and all are jointly 
responsible for all amounts owed. This means the Credit Union can enforce 
this Agreement against any of you individually or all of you collectively.
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 shown 
on your statement within 25 days of the statement closing date. 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. Cash advances and 
balance transfers are always subject to a FINANCE CHARGE from the date they 
are posted to your account. 
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, and cash advances, and subtract any unpaid other finance charges 
and 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 by the number of 
days in the billing cycle. This gives us the ‘‘average daily balance.”
SECURED PLATINUM REWARDS VISA ACCOUNT
Your  Secured  Platinum  Rewards VISA  Account  will  be  subject  to  a  FINANCE 
CHARGE  (interest)  at  an  ANNUAL  PERCENTAGE  RATE  and  a  corresponding 
Monthly Periodic Rate which will be a standard variable (floating) rate based 
upon an index plus a margin. The margin applicable to your account will be 
determined by your creditworthiness. The ANNUAL PERCENTAGE RATE and the 
corresponding Monthly Periodic Rate will apply to purchases, cash advances 
and balance transfers.  

Index
The Index is Prime Rate (“Index”). Information about this Index is published 
in the Money Rates Table of the Wall Street Journal.  

Rate Changes
The ANNUAL PERCENTAGE RATE may change on the first (1st) day each month. 
These are known as rate change dates. The Index value used for a given billing 
cycle will be the value published on first (1st) business day before the change 
date or the most recently published value published before the change date. 
If more than one rate is published, the Index will be the highest of the rates 
published. If the Index ceases to be published, the Credit Union will choose 
a new Index and give you notice of its choice.
Determination of Annual Percentage Rate
The Credit Union will add a margin ranging from 7.65% to 13.65%, depending on 
your credit score, to the Index to get the ANNUAL PERCENTAGE RATE applicable to 
your Account for the billing cycle.  Notification of the margin for which you have 
been approved will be provided on the Secured Platinum Rewards VISA Approval 
Letter sent to you upon completion of the credit review and approval.  
ANNUAL PERCENTAGE RATE for the billing cycle will be divided by twelve (12) to 
get the corresponding Monthly Periodic Rate for the billing cycle. An increase 
or decrease in the Prime Rate will lead to an increase or decrease in your 
ANNUAL  PERCENTAGE  RATE  and  the  corresponding  Monthly  Periodic  Rate 
applicable to your Account. 

Limitations on Changes
There is no limit on the amount by which the rate changes in any one-year 
period. The maximum ANNUAL PERCENTAGE RATE that can apply is 18.00%. 

Annual Percentage Rate Example
Based upon a margin of 7.65% (your margin may be different depending on 
your credit score) plus an Index value of 3.25%, (which was the value of the 
Index on February 1, 2010), your Account would be subject to a FINANCE CHARGE 
(interest) at an ANNUAL PERCENTAGE RATE of 10.90%, with a corresponding Monthly 
Periodic Rate of 0.9083%. 
On the first (1st) day of each calendar month and on each subsequent change 
date, the ANNUAL PERCENTAGE RATE and the corresponding Monthly Periodic 
Rate will be calculated according to the formula described above and will be 
stated on our Secured Platinum Rewards VISA Approval Letter.
6.      Change in Terms; Changing or Terminating Your Account. The Credit Union may 
change  the  terms  of  this  Agreement,  including  your  ANNUAL  PERCENTAGE 
RATE, from time to time for any reason not inconsistent with applicable law 
after giving you any advance notice required by law. Your use of the card after 
receiving notice of a change will indicate your agreement to the change. To 
the extent the law permits, and except as otherwise indicated in the notice 
to you, the change will apply to your existing account balance as well as to 
future transactions. Either the Credit Union or any one of you 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. The 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.
7.     Other Charges. The following Other Charges will be added to your account, 
as applicable:
•      If  you  are  a  credit  card  member  only  with  no  other  relationship  with 
Christian Community Credit Union, a one-time non-refundable membership 
fee of $5.00 will be charged to your credit card account.
•      CASH ADVANCE FEE (FINANCE CHARGE): You will be charged a cash 
advance fee of 2% of the amount advanced with a $5.00 minimum.
•      BALANCE TRANSFER FEE (FINANCE CHARGE): You will be charged a 
balance transfer fee of 2% of the amount transferred with a $5.00 minimum.
•      COPIES: If you request a copy of any document, we may charge your 
account $5.00 per copy requested. If your request is related to a billing error 
and an error is found, we will credit any copying charges to your account.
•      LATE  PAYMENT  FEE: We  reserve  the  right  to  charge  a  late  payment 
fee of $15.00 to your account each billing period that the minimum monthly 
payment is not received by 15 days after due date.
•      NSF CHECKS: A fee of $25.00 will be assessed for each card payment 
check that is returned to the Credit Union for nonsufficient funds.

©2007-2010 California Credit Union League, Law Offices of Thomas H. Wolfe, PC - All Rights Reserved   CU STORE  # 7018    (CUSTOM)                                                                                 Rev. 2/19/10   UPTD 2/10

  
•      EXPRESS CARD/PIN ORDER: A fee of $40.00 will be assessed if you 
request express delivery of your card or PIN.
•      PIN REPLACEMENT FEE: A fee of $5.00 will be assessed if your PIN 
needs to be replaced.
•      MINIMUM FINANCE CHARGE: The minimum Finance Charge that may 
be assessed is $1.00.
•      CARD REPLACEMENT FEE: A fee of $10.00 will be assessed if your 
card needs to be replaced due to damage, loss, or theft.
8.      Security Interest. If you give the Credit Union a specific pledge of shares 
by signing a separate pledge of shares for this account, your account will be 
secured by your pledged shares.

9.     Monthly Payment. Each month you must pay at least the minimum payment 
shown on your statement by the Payment Due Date shown. You may, of course, 
pay more frequently, pay more than the minimum payment, or pay the Total 
New Balance in full. If you make extra payments or larger payments, you are 
still required to make at least the minimum payment each month your account 
has a balance. The minimum payment is 3% of your Total New Balance but not 
less than $10.00, plus the amount of any prior minimum payments that you 
have not paid. 
10.    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 immediately terminate this Agreement and require repayment 
of your outstanding account balance plus any finance and other charges you 
owe under this Agreement. At the Credit Union’s discretion, any shares that 
were given as security may be applied towards what you owe. To the extent 
permitted by law, you will also be required to pay the Credit Union’s collection 
expenses, including court costs and attorneys’ fees.

11.   Liability for Unauthorized Use. If you notice the loss or theft of your credit 
card  or  a  possible  unauthorized  use  of  your  card,  you  should  write  to  us 
immediately at: 255 N. Lone Hill Avenue, San Dimas, CA 91773, or call us 
at (800) 449-7728. 
You will not be liable for any unauthorized use that occurs after you notify us. 
You may, however, be liable for unauthorized use that occurs before your notice 
to us. In any case, your liability will not exceed $50.
12.    Liability for Unauthorized Use of Your VISA Credit Card. If there is unauthorized 
use  on  your  consumer VISA  Credit  Card  your  liability  will  be  zero  ($0.00). 
This provision limiting your liability does not apply to either Business Platinum 
Rewards VISA cards, ATM cash disbursements, or non-VISA PIN-less debit 
transactions. Additionally, your liability with respect to unauthorized transactions 
may be greater than the above limit, to the extent allowed under applicable 
law, if the Christian Community Credit Union reasonably determines, based 

on substantial evidence, that you were grossly negligent or fraudulent in the 
handling of your account or card.
13.    Credit 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. Pursuant to state law, you 
are hereby notified that a negative credit report reflecting on your credit record 
may be submitted to a credit reporting agency if you fail to fulfill the terms of 
your credit obligations.
14.    Returns and Adjustments. Merchants and others who honor the 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 amount is $1 or more, it 
will be refunded upon your written request or automatically after six months.
15.   Foreign Transactions.  Purchases  and  cash  advances  made  in  foreign 
currencies  will  be  billed  to  you  in  U.S.  dollars.  Transactions  processed 
outside  of  the  United  States,  or  in  a  foreign  currency  may  be  charged  a 
foreign transaction fee, regardless of whether there is a currency conversion 
associated with the transaction. The conversion rate in dollars will be 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 in each instance, plus a one percentage 
point (1.0%) fee charged by the Issuer.
16.    Merchant Disputes. The Credit Union is not responsible for the refusal of 
any  merchant  or  financial  institution  to  honor  the  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 and was made in your state or within 100 miles of your home.
17.    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.
18.    No Waiver. The Credit Union can delay enforcing any of its rights any number 
of times without losing them.
19.    Statements and Notices. You will receive a statement each month showing 
transactions on your account. Statements and notices will be mailed to you at 
the most recent address you have given the Credit Union. Notice sent to any 
one of you will be considered notice to all. You agree to promptly notify the 
Credit Union if you change your mailing address.
20.   Transfer of Account. You  cannot  transfer  or  assign  your  account  to  any 
other person.
21.    Governing Law. This  Agreement  and  your  account  shall  be  governed  by 
California law without regard to any conflict of law rules.

This notice contains important information about your rights and our responsibilities 
under the Fair Credit Billing Act.

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 

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

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: Christian Community 
Credit Union, 255 N. Lone Hill Avenue, San Dimas, CA 91773. 
In your letter, give us the following information:
•     Account information: Your name and account number.
•     Dollar amount: The dollar amount of the suspected error.
•     Description of problem: If you think there is an error on your bill, describe what 

you believe is wrong and why you believe it is a mistake.

You must contact us:
•     Within 60 days after the error appeared on your statement.
•     At least 3 business days before an automated payment is scheduled, if you want 

to stop payment on the amount you think is wrong.

You must notify us of any potential error 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.

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 at: Christian Community Credit Union, 255 N. Lone Hill Avenue, 
San Dimas, CA 91773. 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.