CREDIT CARD ACCOUNT AGREEMENT 
     
                                  AND FEDERAL DISCLOSURE STATEMENT 
                              
                               THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-
      P.O. Box 200 ? Whittier, CA 90608-0200  IN-LENDING DISCLOSURE STATEMENTS, VISA CU SOCAL TOPAZ, VISA PLATINUM REWARDS AND 
      (562) 698-8326 ? FAX (562) 698-2783   SECURED VISA PLATINUM REWARDS AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING 
            www.cusocal.org    THE USE OF YOUR VISA CU SOCAL TOPAZ, 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 CU SoCal Topaz: _______%  
    For Purchases 
                             This APR may vary with the market based on the Prime Rate. 
     
                           
                          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.  
                           
    APR For Balance Transfers  VISA CU SoCal Topaz: _______%  
                            This APR may vary with the market based on the Prime Rate  
                           
                          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. 
                           
    APR For Cash Advances  VISA CU SoCal Topaz: _______% 
                            This APR may vary with the market based on the Prime Rate. 
                           
                          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    visit the website of the Consumer Financial Protection Bureau at 
    Protection Bureau     http://www.consumerfinance.gov/learnmore. 
                 Please refer to TOP OF PAGE 2 for more important information about Your Account 
                                            
   Copyright Oak Tree Business Systems, Inc., 2019-2021. All Rights Reserved.                                            Page 1 of 4                                                                                                          OTBS 016CC FRB_Web CUSC (2/21)  
    Fees 
                           
    Transaction Fees       
                           
     ?  Cash Advance      2.00% of each advance. 
     ?  Balance Transfer  For VISA CU SoCal Topaz, 2.00% of each transfer. 
     ?  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. 
                           
    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. 
    
   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 CU SoCal 
   Topaz, 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 CU SoCal Topaz, 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 
    Card Type 
                           Index    Margin        Periodic Rate    PERCENTAGE RATE 
                                                                          
    VISA CU SoCal Topaz    ____________  ____________  ____________  ____________ 
                                                                 
    VISA Platinum Rewards  ____________  ____________  ____________  ____________ 
                                                                          
    Secured VISA Platinum Rewards   ____________  ____________  ____________  ____________ 
   USE OF YOUR CARD. You may use Your Card to buy goods and services in any  JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the 
   place that it is honored and to get cash advances at participating financial institutions.  repayment of any amounts owed. If any Account access device, such as a Personal 
   You agree not to use Your Card for illegal transactions including, but not limited to,  Identification Number (PIN) is requested and approved, You understand that any such 
   advances made for the purpose of gambling and/or wagering where such practices  Account access device(s) will be provided telephonically, and only to the primary 
   are in violation of applicable state and/or federal law.  Borrower. We may refuse to follow any instructions which run counter to this provision. 
                                             
   SECURITY. Collateral (other than household goods or any dwelling) given as security  MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only 
   under any other loan You may have with Us will secure all amounts You owe Us now  pay the Minimum Monthly Payments, You understand that You have the right to repay 
   and in the future if that status is reflected in the "Truth-in-Lending Disclosure" in any  at any time without penalty. You also understand that You will only be charged periodic 
   particular Agreement evidencing such debt.       Finance Charges to the date You repay Your entire balance. You may make larger 
                                            payments without penalty. Any partial payment or prepayment will not delay Your next 
    CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your  scheduled payment. All payments to Us must be in lawful money of the United States. 
    shares with Us (except for IRA and Keogh accounts) and any dividends due  We may apply each payment to whichever Card type We wish. Except as required by 
    or to become due to You from Us to the extent You owe on any unpaid Credit  law, We may apply payments at Our discretion. Any unpaid portion of the Finance 
    Card balance.                           Charge will be paid by subsequent payments and will not be added to Your principal 
                                            balance. You understand that any delay in the repayment of Your unpaid balance will 
   ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured VISA  increase Your periodic Finance Charges and any acceleration in the repayment of 
   Platinum Rewards Credit Card, You agree to give Us a specific pledge of shares which  Your unpaid balance will decrease Your periodic Finance Charges. 
   will equal 105.00% of Your approved Credit Limit. In the event that You default on   
   Your Secured VISA Platinum Rewards Credit Card, We may apply these shares  Minimum Payments will be an amount equal to 3.00% of Your new unpaid balance at 
   toward the repayment of any amount owed on such Credit Card. You may cancel Your  the end of each billing cycle, subject to the lesser of $25.00 or Your balance, plus any 
   Secured VISA Platinum Rewards Credit Card at any time by paying any amounts  portion of the Minimum Payments shown on prior statement(s) which remains unpaid, 
   owed on such Card. To be certain that Your entire balance and all advances are paid,  plus any amount that exceeds Your approved Credit Limit. 
   any shares pledged may not be available to You for 30 days after You have cancelled   
   and any outstanding balance is paid in full.  You may, by separate agreement, authorize Us to charge Your payment directly to 
                                            Your share or share draft account. 
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which  FINANCE CHARGES. In the case of any transactions under Your Account, the 
   You are approved. Unless You are in default, the Credit Limits established for You will  balances subject to the periodic Finance Charge are the average daily transactions 
   generally be self-replenishing as You make payments.   balances outstanding during the month (including new transactions).  
                                             
   You will keep Your unpaid balance within Your Credit Limit(s) set by Us, and You will  To get the average daily balance for purchases, We take the beginning balance of 
   pay any amount over Your Credit Limit(s) on Our demand whether or not We authorize  purchases on Your Account each day, add any new purchases, debit adjustments or 
   the advances which caused You to exceed Your Credit Limit(s). Even if Your unpaid  other charges and subtract any payments, credits and unpaid Finance Charges. This 
   balance is less than Your Credit Limit(s), You will have no credit available during any  gives Us the daily balance for purchases. Then, We add up all these daily balances 
   time that any aspect of Your Account is in default.  for the billing cycle and divide them by the number of days in the billing cycle. The 
   Copyright Oak Tree Business Systems, Inc., 2019-2021. All Rights Reserved.                                            Page 2 of 4                                                                                                          OTBS 016CC FRB_Web CUSC (2/21)  
   result is the average daily balance for purchases. The Finance Charge for a billing  OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no 
   cycle is then computed by multiplying the average daily balance subject to a Finance  obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check, 
   Charge by the Monthly Periodic Rate. Your due date is at least 25 days after the close  You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have 
   of each billing cycle. You can avoid Finance Charges on purchases by paying the full  been reported lost or stolen; (3) Your Account has been cancelled or has expired. If a 
   amount of the entire balance owed each month by the due date. Otherwise, the new  postdated Convenience Check is paid and, as a result, any other Convenience Check 
   balance of purchases, and subsequent purchases from the date they are posted to  is returned unpaid, We are not responsible for any resulting loss or liability. 
   Your Account, will be subject to a Finance Charge.   
                                            DEFAULT. You will be in default if: (a) You do not make any payment or perform any 
   To get the average daily balance for balance transfers, We take the beginning balance of  obligation under this Agreement, or any other agreement that You may have with Us; or 
   balance transfers on Your Account each day, add any new balance transfers, debit  (b) You should die, become involved in any insolvency, receivership or custodial 
   adjustments or other charges and subtract any payments, credits and unpaid Finance  proceeding brought by or against You; or (c) You have made a false or misleading 
   Charges. This gives Us the daily balance for balance transfers. Then, We add up all these  statement in Your credit application and/or in Your representations to Us while You owe 
   daily balances for the billing cycle and divide them by the number of days in the billing  money on Your Account; or (d) A judgment or tax lien should be filed against You or any 
   cycle. The result is the average daily balance for balance transfers. The Finance Charge  attachment or garnishment should be issued against any of Your property or rights, 
   for a billing cycle is then computed by multiplying the average daily balance subject to a  specifically including anyone starting an action or proceeding to seize any of Your funds 
   Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a  on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay Your 
   Finance Charge from the later of the date they are posted to Your Account or from the first  indebtedness hereunder is or soon will be impaired, time being of the very essence. 
   day of the billing cycle in which the balance transfer is posted to Your Account.   
                                            Upon any occurrence of default, We may, to the extent permitted by law, cancel Your 
   To get the average daily balance for cash advances, We take the beginning balance  rights under this Agreement, require the return of all access devices and declare the 
   of cash advances on Your Account each day, add any new cash advances, debit  entire balance of every Feature Category of Your Account immediately due and 
   adjustments or other charges and subtract any payments, credits and unpaid  payable, without prior notice or demand.  
   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  PENALTY  RATE. If Your payment  is more than  60 days past due, subject to 
   of days in the billing cycle. The result is the average daily balance for cash  applicable  law,  the Monthly Periodic  Rate  applicable  to  Your  entire balance  of 
   advances. The Finance Charge for a billing cycle is then computed by multiplying  transactions will increase to a fixed Monthly Periodic Rate of 1.6584% (corresponding 
   the average daily balance subject to a Finance Charge by the Monthly Periodic  ANNUAL PERCENTAGE RATE 19.90%). During the six month period following such 
   Rate. Cash advances are always subject to a Finance Charge from the later of the  an  increase,  if We  receive  the  first  six  consecutive  required  minimum  periodic 
   date they are posted to Your Account or from the first day of the billing cycle in  payments when due, the rate applicable to the balance of transactions that occurred 
   which the cash advance is posted to Your Account.  prior to the effective date of the increase will be returned to the standard rate that 
                                            would have otherwise been in effect. 
   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.  COLLECTION COSTS. In the event collection efforts are required to obtain payment 
                                            on this Account, to the extent permitted by law, You agree to pay all court costs, 
   The minimum FINANCE CHARGE that You will be required to pay in any billing cycle  private process server fees, investigation fees or other costs incurred in collection and 
   that a Finance Charge is due is $0.50.   reasonable attorneys' fees incurred in the course of collecting any amounts owed 
                                            under this Agreement or in the recovery of any Collateral. 
   VARIABLE RATE. All transactions 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  ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   Journal in effect on the last day of each calendar quarter of each year ("Index") plus  We delay enforcing them. We can accept late payments, partial payments or any other 
   Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index  payments, even if they are marked "paid in full" without losing any of Our rights under 
   will cause changes in the Interest Rate on the first day of the billing cycle of the month  this Agreement. If any provision of this or any related agreement is determined to be 
   immediately following any such change in the Index. Increases or decreases in the  unenforceable or invalid, all other provisions remain in full force and effect. 
   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  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or 
   be greater than 19.90%, and will apply to Your remaining principal balance.  otherwise have a change of address. 
                                             
   LATE CHARGE. If Your payment is 14 or more days late, You will be charged the  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   lesser of: (a) $10.00; or (b) the amount of the required minimum payment.  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 
   FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and foreign  Agreement includes, but is not limited to, the right to change the periodic rate 
   currencies, the exchange rate between the transaction currency and the billing currency  applicable to Your unpaid balance and/or future advances. 
   (U.S. dollars) will be: (a) a rate selected by VISA from the range of rates available in   
   wholesale currency markets for the applicable central processing date, which rate may  INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
   vary from the rate VISA itself receives; or (b) the government-mandated rate in effect for  Disclosure - Federal Truth-In-Lending Act," which is delivered together with this Agreement 
   the applicable central processing date. For transactions that are initiated in a foreign  or at a later date becomes an integrated part of this Agreement And Disclosure. 
   currency, You will be charged 1.00% of the final settlement amount. For transactions   
   occurring in foreign countries and initiated in U.S. Dollars, You will be charged 0.80% of  CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. 
   the final settlement amount. Transactions initiated via the internet with merchants or  By signing the application; or by using Your Account or any Account access device; 
   other parties located outside of the United States of America are deemed to occur in the  or by authorizing another to use Your Account, You agree to and accept its terms. 
   foreign country where the merchant or other party is located.   
                                            UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
   OTHER FEES AND CHARGES. You will be charged the following fees associated with  to update information contained in Your original Account application or other financial 
   the use of Your Card: (a) $25.00 or the required minimum payment amount for the returned  information related to You, at Our request. You also agree that We may, from time to 
   payment, whichever is less, for any check (or other negotiable instrument used for  time, as We deem necessary, make inquiries pertaining to Your employment, credit 
   payment) which is returned unpaid; (b) $20.00 for each Card that You request be provided  standing  and  financial  responsibility  in  accordance  with  applicable  laws  and 
   on an expedited basis; (c) $10.00 for each Convenience Check that You request stop  regulations. You further agree that We may give information about the status and 
   payment; (d) $10.00 for the removal of a stop payment previously placed on a Convenience  payment history of Your Account to consumer credit reporting agencies, a prospective 
   Check; (e) $3.00 each time You request We furnish a duplicate copy of a statement; (f)  employer or insurer, or a state or federal licensing agency having any apparent 
   $15.00 each time You request We furnish a copy of any sales draft, voucher or similar  legitimate business need for such information.  
   document; (g) $25.00 each time a Convenience Check is presented for payment (when   
   there is insufficient available credit to pay such Convenience Check), subject to a maximum  TERMINATION. Either You or We may cancel Your Account at any time, whether or 
   of 3 such charges each calendar day;  (h) an amount equal to 2.00% of each cash advance;  not You are in default. You will, in any case, remain liable to pay any unpaid balances 
   and (i) for VISA CU SoCal Topaz, an amount equal to 2.00% of each transfer.  according to the terms of Your Account. 
                                             
   PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing all  OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
   transactions on Your Account including amounts paid and borrowed since Your last  time without notice. You agree to surrender Your Card and to discontinue its use 
   statement. We will mail You a statement each month in which there is a debit or credit  immediately upon Our request. 
   balance or when a Finance Charge is imposed. We need not send You a statement if   
   We feel Your Account is uncollectible or if We have started collection proceedings  ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. A Personal Identification 
   against You because You defaulted. EACH STATEMENT IS DEEMED TO BE A  Number (PIN) can be obtained for use with participating Automated Teller Machines 
   CORRECT  STATEMENT  OF  ACCOUNT  UNLESS  YOU  ESTABLISH  A  BILLING  (ATMs). This PIN is confidential and should not be disclosed to anyone. You may use 
   ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.   Your PIN to access Your Account and all sums advanced will be added to Your  
                                             
   Copyright Oak Tree Business Systems, Inc., 2019-2021. All Rights Reserved.                                            Page 3 of 4                                                                                                          OTBS 016CC FRB_Web CUSC (2/21)  
   Account balance. In the event a use of Your PIN constitutes an Electronic Fund  What Will Happen After We Receive Your Letter 
   Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement may   
   also affect Your rights.                 When We receive Your letter, We must do two things: 
                                             
   EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other  1)  Within 30 days of receiving Your letter, We must tell You that We received Your 
   slips You may sign or receive when using Your Card contain terms, this Agreement is  letter. We will also tell You if We have already corrected the error. 
   the contract which solely applies to all transactions involving the Card.  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. 
   UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. You   
   will not be liable for the unauthorized use that occurs after You notify Us of the loss, theft,  While We investigate whether or not there has been an error: 
   or possible unauthorized use by calling Us at (866) 287-6225, or by writing to Us at P.O.   
   Box 200, Whittier, CA 90608-0200. In any case, Your liability will not exceed $50.00.  ?  We cannot try to collect the amount in question, or report You as delinquent on 
                                               that amount. 
   REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for  ?  The charge in question may remain on Your statement, and We may continue 
   the refusal or inability of merchants, financial institutions and others to accept the  to charge You interest on that amount. 
   Cards or Convenience Checks, or electronic terminals to honor the Cards or complete  ?  While You do not have to pay the amount in question, You are responsible for 
   a Card withdrawal, or for their retention of the Cards or Convenience Checks.  the remainder of Your balance. 
                                            ?  We can apply any unpaid amount against Your Credit Limit. 
   TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic   
   terminal or financial institution at which transactions were made, but sales, cash  After We finish Our investigation, one of two things will happen: 
   advance, credit or other slips cannot be returned with the statement.   
                                            ?  If We made a mistake: You will not have to pay the amount in question or any 
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards  interest or other fees related to that amount. 
   or Convenience Checks, You will immediately call Us during regular business hours  ?  If We do not believe there was a mistake: You will have to pay the amount 
   at (562) 698-8326 or (866) 287-6225, and after hours, on weekends and holidays, at  in question, along with applicable interest and fees. We will send You a 
   (800) 556-5678. You may also write to Us at P.O. Box 200, Whittier, CA 90608-0200  statement of the amount You owe and the date payment is du e. We may 
   to report lost or stolen Credit Cards or Convenience Checks.   then report You as delinquent if You do not pay the amount We think  
                                               You owe. 
   CREDITS.  If  a merchant  who  honors  Your  Card  gives You credit for  returns  or   
   adjustments, they will do so by sending Us a slip which will be posted to Your Account.  If You receive Our explanation but still believe Your bill is wrong, You must 
   If Your credits and payments exceed what You owe Us, We will hold and apply this credit  write to Us within 10 days telling Us that You still refuse to pay. If You do so,  
   against future purchases and cash advances, or if it is $1.00 or more refund it on Your  We  cannot  report  You  as  delinquent  without  also  reporting  that  You  are 
   written request or automatically deposit it to Your share account after 6 months.    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 
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the  has been settled between Us. If We do not follow all of the rules above, You do 
   State of California, except to the extent that such laws are inconsistent with controlling  not have to pay the first $50.00 of the amount You question even if Your bill  
   federal law.                             is correct. 
                                             
         Your Billing Rights: Keep this Document for Future Use  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
                                             
   This notice tells You about Your rights and Our responsibilities under the Fair  If You are dissatisfied with the goods or services that You have purchased with Your 
   Credit Billing Act.                      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 
         What To Do If You Find A Mistake On Your Statement  this right, all of the following must be true: 
                                             
   If You think there is an error on Your statement, write to Us at P.O. Box 200, Whittier,  1)  The purchase must have been made in Your home state or within 100 miles of 
   CA 90608-0200. In Your letter, give Us the following information:  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 
   ?  Account information: Your name and Account number.  an advertisement We mailed to You, or if We own the company that sold You 
   ?  Dollar amount: The dollar amount of the suspected error.  the goods or services.) 
   ?  Description of problem: If You think there is an error on Your bill, describe what  2)  You must have used Your Credit Card for the purchase. Purchases made with 
     You believe is wrong and why You believe it is a mistake.  cash advances from an ATM or with a check that accesses Your Credit Card 
                                               account do not qualify. 
   You must contact Us:                     3)  You must not yet have fully paid for the purchase.  
                                             
   ?  Within 60 days after the error appeared on Your statement.  If all of the criteria above are met and You are still dissatisfied with the purchase, 
   ?  At least 3 business days before an automated payment is scheduled, if You want  contact Us in writing at P.O. Box 200, Whittier, CA 90608-0200.  
     to stop payment on the amount You think is wrong.   
                                            While We investigate, the same rules apply to the disputed amount as discussed 
   You must notify Us of any potential errors in writing. You may call Us, but if You do  above. After We finish Our investigation, We will tell You Our decision. At that 
   We are not required to investigate any potential errors and You may have to pay the  point, if We think You owe an amount and You do not pay, We may report You 
   amount in question.                      as delinquent. 
                                             
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                                     PRICING INFORMATION ADDENDUM � 
     
                                     CREDIT CARD ACCOUNT AGREEMENT 
                              
                                   AND FEDERAL DISCLOSURE STATEMENT 
       P.O. Box 200 ? Whittier, CA 90608-0200 
       (562) 698-8326 ? FAX (562) 698-2783   THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL 
                                 TRUTH-IN-LENDING  DISCLOSURE  STATEMENTS,  VISA  CU  SOCAL  TOPAZ,  VISA  PLATINUM 
            www.cusocal.org 
                                 REWARDS  AND  SECURED  VISA  PLATINUM  REWARDS  AGREEMENTS,  AND  ANY  SPECIAL 
                  
                                 INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR  VISA  CU  SOCAL  TOPAZ,  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 CU SoCal Topaz: _____% - _____% based on Your creditworthiness at the 
    For Purchases 
                          time You establish Your Account.  
     
                            This APR will vary with the market based on the Prime Rate. 
                           
                          VISA Platinum Rewards: _____% - _____% 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: _____%  
                            This APR will vary with the market based on the Prime Rate. 
                           
    APR For Balance Transfers  VISA CU SoCal Topaz: _______% - ________%, based on Your creditworthiness at the 
                          time You establish Your Account.  
                             This APR will vary with the market based on the Prime Rate. 
                           
                          VISA Platinum Rewards: _______% - ________%, 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: ______%  
                             This APR will vary with the market based on the Prime Rate. 
                           
    APR For Cash Advances  VISA CU SoCal Topaz: _______% - ________%, based on Your creditworthiness at the 
                          time You establish Your Account.  
                             This APR will vary with the market based on the Prime Rate. 
                           
                          VISA Platinum Rewards: _______% - _______%, 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: _______%  
                              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. 
                 Please refer to TOP OF PAGE 2 for more important information about Your Account 
   Copyright Oak Tree Business Systems, Inc., 2019-2021. All Rights Reserved.  Page 1 of 2    OTBS 016ACC FRB_Web CUSC (2/21)  
     
    Fees 
                           
    Transaction Fees       
                           
     ?  Cash Advance      2.00% of each advance. 
     ?  Balance Transfer  For VISA CU SoCal Topaz, 2.00% of each transfer. 
     ?  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. 
                           
    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. 
    
   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 ea ch day, add any new balance transfers, 
   debit adjustments or other charges and subtract any payments, credits and unpaid Finance Cha rges. This gives Us the daily balance 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 t he 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 Mo nthly Periodic Rate. Balance 
   transfers are always subject to a Finance Charge from the later of the date they are posted to Your Ac count 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. 
    
   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 CU SoCal Topaz, all balances will be charged finances at a variable Monthly Periodic Rate of ___________% - __________%  (corresponding ANNUAL 
   PERCENTAGE RATE ___________% - __________%), depending on Your creditworthiness. 
    
   For VISA Platinum Rewards, all balances will be charged finances at a variable Monthly Periodic Rate of ___________% - __________% (corresponding ANNUAL 
   PERCENTAGE RATE ________% - _______%), depending on Your creditworthiness. 
                                            
   For Secured VISA Platinum Rewards, all balances will be charged finances at a variable Monthly Periodic Rate of __________% (corresponding ANNUAL PERCENTAGE 
   RATE ________%). 
    
   VARIABLE RATE. All transactions 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. 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 CU SoCal Topaz, the Margin applicable to Your Account will be 3.65% - 10.65% depending on Your creditworthiness. 
    
   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., 2019-2021. All Rights Reserved.  Page 2 of 2    OTBS 016ACC FRB_Web CUSC (2/21)