19867 Prairie Street 
Chatsworth, CA 91311 
(800) 772-4000 (818) 772-4000 

Borrower Name(s) 

CREDIT LINE ACCOUNT 
AGREEMENT AND DISCLOSURE 

THIS  IS  YOUR  CREDIT  LINE  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING 
DISCLOSURE  STATEMENTS  AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR  VISA,  MASTERCARD, 
STUDENT  MASTERCARD,  SECURED  MASTERCARD,  PREMIER  PRIVILEGES  REWARDS  MASTERCARD  AND  PREMIER 
FIRST  REWARDS  MASTERCARD  CREDIT  CARDS  AND  OVERDRAFT  LINE  OF  CREDIT  AND  PREMIER  LINE  OF  CREDIT 
PRODUCTS AND ANY OTHER ACCOUNT ACCESS DEVICES. PLEASE READ THIS AGREEMENT CAREFULLY AND NOTIFY 
US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Account Number 

Credit Limit 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

Mastercard: ______% introductory APR for ______ months. 

After that, Your APR will be ______%. This APR will vary with the market based on 
the Prime Rate. 

Student Mastercard: ______% introductory APR for ______ months.  

After that, Your APR will be ______%. This APR will vary with the market based on 
the Prime Rate. 

Secured Mastercard: ______%  

This APR will vary with the market based on the Prime Rate. 

Premier Privileges Rewards Mastercard: ______% introductory APR for ______ months. 

After that, Your APR will be ______%.  

Premier First Rewards Mastercard: ______% introductory APR for ______ months. 

After that, Your APR will be ______%. This APR will vary with the market based on 
the Prime Rate. 

VISA: ______%      

Annual Percentage Rate 
(APR) For Balance 
Transfers 

Mastercard: _______% introductory APR for ______ months. 

After that, Your APR will be _______%. This APR will vary with the market based on the 
Prime Rate. 

Student Mastercard: _______% introductory APR for ______ months.  

After that, Your APR will be _______%. This APR will vary with the market based on the 
Prime Rate. 

Secured Mastercard: _______%  

This APR will vary with the market based on the Prime Rate. 

Premier Privileges Rewards Mastercard: _______% introductory APR for ______ months. 

After that, Your APR will be _______%.  

Premier First Rewards Mastercard: _______% introductory APR for ______ months. 

After that, Your APR will be _______%. This APR will vary with the market based on the 
Prime Rate. 

VISA: _______%      

SEE PAGES 2 AND 3 for more important information about Your Account 

Copyright Oak Tree Business Systems, Inc., 2014-2018. All Rights Reserved. 

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Interest Rate and Interest Charges (continued) 

Annual Percentage Rate 
(APR) For Cash Advance 

Mastercard: _______% introductory APR for ______ months. 

After that, Your APR will be _______%. This APR will vary with the market based on the 
Prime Rate. 

Student Mastercard: _______% introductory APR for ______ months.  

After that, Your APR will be _______%. This APR will vary with the market based on the 
Prime Rate. 

Secured Mastercard: _______%  

This APR will vary with the market based on the Prime Rate. 

Premier Privileges Rewards Mastercard: _______% introductory APR for ______ months. 

After that, Your APR will be _______%.  

Premier First Rewards Mastercard: _______% introductory APR for ______ months. 

After that, Your APR will be _______%. This APR will vary with the market based on the 
Prime Rate. 

VISA: _______%      

Overdraft Line of Credit: _______%  

This APR will vary with the market based on the Prime Rate. 

Premier Line of Credit: _______%  

This APR will vary with the market based on the Prime Rate. 

Penalty APR and When  
it Applies 

For Overdraft Line of Credit and Premier Line of Credit: ________% 

    This APR may be applied if: 
    1) You make a late payment. 
    2) You are otherwise in default. 

Paying Interest 

    How  Long  Will  The  Penalty  APR  Apply?  If  Your  APR  is  increased  for  this  reason,  the 
    Penalty  APR  will  be applied indefinitely to  Your  entire balance existing at that time and in  
    the future. 

For Credit Cards, Your due date is at least 25 days after the close of each billing cycle. We will 
not charge You any interest on purchases if You pay Your entire balance by the due date each 
month. For all Feature Categories We will begin charging interest on balance transfers and cash 
advances on the transaction date. 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a Credit Card, visit 
the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees  

Transaction Fees 

 

  Foreign Transaction  

 

  Cash Advance 

For Credit Cards (except Premier Privileges Rewards Mastercard), 1.00% of each transaction 
in U.S. dollars. 
For Credit Cards, the greater of 3.00% of each transaction or $3.00. 

SEE PAGES 1 AND 3 for more important information about Your Account 

Copyright Oak Tree Business Systems, Inc., 2014-2018. All Rights Reserved. 

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Fees (continued) 

Penalty Fees 

  Late Payment 

  Over-the-Credit Limit 

Except Credit Cards, $15.00  
For Credit Cards, up to $15.00  
Except Credit Cards, $10.00 

How We Will Calculate Your Balance: For all Products (except VISA and Mastercard), We use a method called "daily balance." 
For  VISA  and  Mastercard,  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.  

SEE PAGES 1 AND 2 for more important information about Your Account 

In this Agreement, the references to "We," "Us," "Our," and "Credit Union" mean PREMIER AMERICA CREDIT UNION. The words "You" and "Your" mean each person 
accepting this Agreement. The words "Card" and "Credit Card" mean any VISA, Mastercard, Student Mastercard, Secured Mastercard, Premier First Rewards Mastercard, or 
Premier Privileges Rewards Mastercard Credit Card issued to You by Us and any duplicates or renewals. If this is a joint account, read singular pronouns in the plural. 

You,  as  the  borrower,  under  a  Credit  Line  Account  ("Account"),  understand  that  the  following  Federal  Disclosure  Statement  and  the  terms  and  conditions  found  herein 
constitute Our Agreement with You. Your Account may be accessible through a variety of means which could include advance request forms, vouchers, convenience checks, 
charge slips, credit cards, telephone access, personal computer access, ATMs or other mechanical/electronic means and the like. Regardless of the access means, You 
promise to pay Us all amounts charged or advanced 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. You may terminate the use of Your Account by an authorized user by preventing 
the use of any Account access device (such as a Credit Card or PIN) by that user and by notifying Us in writing that any such user is no longer authorized to use Your Account. 
You understand that all advances are subject to Our prior approval. 

PRODUCTS 
Your Account has products which may include VISA, Mastercard, Student Mastercard, Secured Mastercard, Premier Privileges Rewards Mastercard, Premier First Rewards 
Mastercard, Overdraft Line of Credit, and Premier Line of Credit. 

Product 

Variable Rate 

Index 

Margin 

Daily 
Periodic Rate 

Annual 
Percentage Rate 

_____________________________ 

____________ 

____________ 

_______________% 

_______________% 

Product 

Introductory 
Daily 
Periodic Rate 

Introductory 
Annual 
Percentage Rate 

_____________________________ 

_______________% 

_______________% 

Copyright Oak Tree Business Systems, Inc., 2014-2018. All Rights Reserved. 

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TRANSACTIONS/ADVANCES 
Whenever You request a transaction or an advance, We may require You to prove 
Your identity. If You request an advance by telephone, We will deposit the amount 
requested  in  Your  share  savings  account  or  Your  checking  account  (or  any  other 
account as directed by You) and You authorize Us to do this, or We will draw a draft 
or check made payable to You and mail it to You. When the amount advanced appears 
on  a  subsequent  statement,  that  will  be  conclusive  evidence  of  Your  telephone 
request. Advances for all products (except for Credit Card purchases and except for 
Credit Card cash advances made at Premier America Credit Union office locations) 
are subject to a minimum of $100.00. 

SECURITY 
As permitted by law, to secure all transactions under this Agreement in either joint or 
individual Accounts, We have the right to impress and enforce a statutory lien against 
Your  shares  on  deposit  with  Us  (other  than  those  deposits  established  under  a 
governmental approved tax deferral plan such as an IRA or Keogh account) and any 
dividends due or to become due to You from Us to the extent that You owe on any unpaid 
balance on Your Account and We may enforce Our right to do so without further notice 
to You. Additionally, You agree that We may set off any mutual indebtedness. 

OTHER SECURITY/CROSS COLLATERAL 
Collateral (other than household goods or any dwelling) given as security for any other 
loan You may have with Us both now and in the future will, in addition to securing all 
presently existing debts and liabilities You owe to Us, secure all future advances We 
make to You or for Your Account, including advances for reasonable attorneys' fees, 
court  costs  and/or  collection  agency  fees  and  costs  incurred  in  the  collection  of  all 
indebtedness. Such Collateral shall include any and all accessions, related insurance 
proceeds or insurance premium refunds. 

ACCOUNT RESTRICTIONS 
In  order  to  receive  and  maintain  a  Share  Secured  product  (such  as  Secured 
Mastercard), You agree to give Us a specific pledge of shares which will be equal to 
110.00% of Your approved Credit Limit. In the event that You default on Your Account, 
We may apply these shares toward the repayment of any amount owed on Your Share 
Secured product. You may cancel Your Share Secured product at any time by paying 
any amounts owed on Your specific Share Secured product and returning any access 
devices. To be certain that Your entire balance and all advances on Your Account are 
paid, any shares pledged may not be available for 30 days after You have cancelled 
any such account product. 

LINE OF CREDIT LIMIT  
You  will  be  notified  of  Your  specific  credit  limits  which  are  available  under  Your 
Account. Unless You are in default, the credit limits established for You will generally 
be self-replenishing as You make payments on Your Account.   

You will keep Your unpaid balance within the credit limits set by Us, and You will pay 
any  amount over the credit  limits  on  Our demand  whether  or  not We  authorize the 
advances which caused You to exceed Your credit limits.  

For Credit Cards, Your available credit will be reduced by pending transactions that 
have not yet been posted to Your Account. Such a "hold" on Your available credit might 
remain in effect until the earlier of the date that the transaction actually posts to Your 
Account for a corresponding amount or 10 business days. In the event that a transaction 
posts for an amount that is different than a pending transaction, Your available credit will 
still be reduced by an amount that corresponds to the related pending transaction for up 
to 10 business days. 

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  Personal  Identification 
Number  (PIN),  is  requested  and  approved,  You  understand that  any such  Account 
access device(s) will be mailed only to the primary borrower(s) at the current address 
of  record  at  the  Credit  Union.   We may  refuse  to  follow  any  instructions  which  run 
counter to this provision. 

FINANCE CHARGES (EXCEPT CREDIT CARDS) 
The balances subject to the periodic Finance Charge are the daily ending balances 
outstanding for each day during the billing cycle. To get the daily ending balance, We 
take  the  beginning  balance  of  Your  account  each  day,  add  any  new  advances, 
insurance  premiums,  debit  adjustments  and  any  applicable  fees,  and  subtract  any 
payments, credits and unpaid Finance Charges and late fees. The Finance Charge is 
computed  by  multiplying  the  Daily  Periodic  Rate  by  the  daily  ending  balance 
outstanding for each day of the billing cycle. The daily Finance Charges are added 
together and the sum is the amount of Your total new Finance Charge due. There is 
no grace period. 

CREDIT CARD FINANCE CHARGES 
The balances subject to the periodic Finance Charge are the average daily balances 
outstanding during the billing cycle. The Finance Charge for a billing cycle is computed 
by  applying  the  Daily  Periodic  Rate  to  the  average  daily  balance  during  the  billing 

cycle.  To  get  the  average  daily  balance, We  take  the  beginning  balance  of  Your 
Account  each  day,  add  any  new  purchases,  balance  transfers,  cash  advances, 
insurance premiums, debit adjustments and any applicable fees, and subtract any 
payments, credits and unpaid Finance Charges or Late Fees. Then, We add up all 
the daily balances for the billing cycle and divide them by the number of days in the 
billing  cycle  which  We  multiply  by  the  Daily  Periodic  Rate.  These  daily  Finance 
Charges  are  then  added  together  and  the  sum  is  the  amount  of  Your  total  new 
Finance Charge due. 

You can avoid Finance Charges on purchases by paying the full amount of the entire 
balance owed each month within 25 days of Your statement closing 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. Balance transfers and 
cash advances are always subject to a Finance Charge from the date they are posted 
to Your Account. 

Your Mastercard is subject to a discounted introductory Daily Periodic Rate as set 
forth herein for the initial six-month period. Upon the expiration of the introductory 
rate  period,  Your  Daily  Periodic  Rate  will  increase  to  the  non-introductory  Daily 
Periodic Rate (corresponding to the non-introductory Annual Percentage Rate) as 
also set forth herein. 

Your Student Mastercard is subject to a discounted introductory Daily Periodic Rate 
as  set  forth  herein  for  the  initial  six-month  period.  Upon  the  expiration  of  the 
introductory rate period, Your Daily Periodic Rate will increase to the non- introductory 
Daily Periodic Rate (corresponding to the non-introductory Annual Percentage Rate) 
as also set forth herein. 

Your  Secured  Mastercard  is  subject  to  a  Daily  Periodic  Rate,  corresponding  to  an 
Annual Percentage Rate, as set forth herein. 

Your Premier Privileges Rewards Mastercard is subject to a discounted introductory 
Daily  Periodic  Rate  as  set  forth  herein  for  the  initial  six-month  period.  Upon  the 
expiration of the introductory rate period, Your Daily Periodic Rate will increase to the 
non-introductory  Daily  Periodic  Rate  (corresponding  to the non-introductory  Annual 
Percentage Rate) as also set forth herein. 

Your Premier First Rewards Mastercard is subject to a discounted introductory Daily 
Periodic Rate as set forth herein for the initial six-month period. Upon the expiration 
of  the  introductory  rate  period,  Your  Daily  Periodic  Rate  will  increase  to  the  non-
introductory  Daily  Periodic  Rate  (corresponding  to  the  non-introductory  Annual 
Percentage Rate) as also set forth herein. 

Your VISA is subject to a Daily Periodic Rate, corresponding to an Annual Percentage 
Rate, as set forth herein. 

VARIABLE RATE  
(EXCEPT PREMIER PRIVILEGES REWARDS MASTERCARD AND VISA) 
Except Premier Privileges Rewards Mastercard and VISA, all advances are subject to a 
Variable  Rate  which  is  based  on  the  Prime  Rate  as  published  in  the  Money  Rates 
Section of The Wall Street Journal on the last day of Your previous billing cycle ("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 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 regularly 
scheduled payments that You will be required to make. There is no limit on the amount 
by which Your Interest Rate can increase. 

For Premier First Rewards Mastercard, if You do not incur a late charge during the period 
beginning on the date Your Account is opened and ending on the last day of the month 
in which the first anniversary of the opening of Your Account occurs, the Margin that is 
applied to Your Account will be reduced by two percentage points (2.00%) beginning 
with the subsequent billing cycle. For each 12-month period thereafter during which You 
do not incur a late charge, the Margin applicable to Your Account will be reduced by an 
additional two percentage points (2.00%), up to a total reduction in the Margin of eight 
percentage  points  (8.00%).  These  annual  reductions  in  the  Margin  will  automatically 
cease: (a) if You incur a late charge; or (b) when You have earned an eight percentage 
point (8.00%) reduction in the Margin; whichever occurs first.  In the event You make a 
late  payment  and  are  no  longer  eligible  to  earn  further  reductions  in the Margin, any 
reduction in the Margin You may have previously earned will continue to apply to Your 
entire balance outstanding at that time and in the future. 

VARIABLE RATE (EXCEPT CREDIT CARDS) 
Your  Account  is subject to a  Variable  Rate  which  is  based on the  Prime Rate  as 
published in the Money Rates Section of The Wall Street Journal on the last day of 
Your  previous  billing  cycle  ("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  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 regularly scheduled payments 

Copyright Oak Tree Business Systems, Inc., 2014-2018. All Rights Reserved. 

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that You will be required to make. There is no limit on the amount by which Your 
Interest Rate can increase. 

LATE CHARGE (EXCEPT CREDIT CARDS) 
If Your payment is 15 or more days past due, You will be charged $15.00. 

CREDIT CARD LATE CHARGE 
If Your payment is 15 or more days past due, You will be charged the lesser of: (a) 
the amount of the minimum payment due; or (b) $15.00. 

OTHER FEES AND CHARGES 
You will be charged the following fees and charges associated with the use of Your 
Account: (a) for Credit Cards, the greater of 3.00% of the transaction or $3.00 for each 
cash advance obtained; (b) for Credit Cards, to the extent permitted by applicable law, 
the greater of $250.00 or actual costs incurred by the Credit Union when You elect to 
withdraw  a  charge  back  and  initiate  arbitration  proceedings;  (c)  for  Credit  Cards, 
$12.00 for each draft copy that You request; and (d) except for Credit Cards, $10.00 
whenever You exceed Your Credit Limit by: (i) $500.00; or (ii) an amount that causes 
Your balance to exceed 120 percent of Your Credit Limit; whichever is less. 

MONTHLY PAYMENT SCHEDULE 
Though  You  need  only  pay  the  Current  Payment  due  shown  on  Your  monthly 
statement, You understand that You have the right to repay Your Account or make 
larger payments on Your Account at any time without penalty. You also understand 
that You will be charged periodic Finance Charges to the date You repay Your entire 
Account balance. Any partial payment or prepayment of Your Account will not delay 
Your  next  scheduled  payment.  All  payments  to  Us  must  be  in  lawful  money  of  the 
United States. Payments will be applied first to collection costs, then to any Finance 
Charges due, then to any Fees and Charges owing, then to the outstanding principal 
balance. Any unpaid portion  of  the Finance  Charge  will  be  reduced  by subsequent 
payments  and  will  not  be  added  to  the  principal  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 unpaid balance will decrease 
Your periodic Finance Charges. 

Your  payment  is  due  on  the  payment  due  date  as  disclosed  on  Your  monthly 
statement.  You  may  elect  to  make  Your  payment  by  automatic  transfer  from  a 
designated  account.  If  You  select  this  option,  You  understand  and  agree  that  You 
must maintain sufficient funds on deposit to permit Us to transfer the payment on the 
payment due date. 

For  all  products  (except  Credit  Cards),  Your  payment  will  be  2.00%  of  Your  new 
unpaid balance at the end of each billing cycle plus any portion of the payments shown 
on  prior  statement(s)  which  remains  unpaid,  plus  any  amount  that  exceeds  Your 
approved credit limit. Your current payment in any event will be subject to the lesser 
of $20.00 or Your balance. 

Credit Card payments will be 3.00% of Your new unpaid balance at the end of each 
billing  cycle  plus  any  portion  of  any  payments  shown  on  prior  statement(s)  which 
remains  unpaid,  plus  any  amount  that  exceeds  Your  approved  credit  limit.  Your 
payment in any event will be subject to the lesser of $15.00 or Your balance. 

OVERDRAFT PROTECTION 
You agree that We may transfer funds in multiples of $100.00 (or in such increments as 
We may from time to time determine) to Your checking account by an advance on the 
account product designated on Your Overdraft Protection Application/Sign-Up Card to 
clear any overdraft on Your checking account. In any event, You hold Us harmless for 
any  and  all  liability  which  might  otherwise  arise  if  the  transfer  does  not  occur.  Your 
checking  account  overdraft  protection  automatically  ceases  if  this  Agreement  is 
cancelled or terminated or Your Account is in default. 

PERIODIC STATEMENTS 
On  a  regular  basis,  You  will  receive  a  statement  showing  all  transactions  on  Your 
Account including amounts paid and borrowed since Your last statement. We will mail 
You  a  statement  each  month  in  which  there  have  been  any  transactions  on  Your 
Account or there is a debit or credit balance. We need not send You a statement if 
We feel Your Account is uncollectible but such action by Us does not relieve You of 
Your liability to repay any amounts that You owe Us. Each statement is deemed to be 
a correct statement of account unless You notify Us of a billing error pursuant to the 
Federal Truth-In-Lending Act. 

DEFAULT/CROSS DEFAULT 
You will be in default if: (a) You do not make any payment or perform any obligation 
required under any other agreement that You may have with Us, including but not 
limited to loan agreements, credit line agreements, debt instruments and the like; 
or (b) You do not make any payment or perform any obligation required under this 
Agreement; or (c) You should die, become involved in any insolvency, receivership 
or custodial proceeding brought by or against You;  or (d) You have made a false 
or misleading statement in Your credit application and/or in Your representations to 
us while You owe money on Your Account; or (e) a judgment or tax lien should be 

filed against You or any attachment or garnishment should be issued against any 
of  Your  property  or  rights,  specifically  including  anyone  starting  an  action  or 
proceeding to seize any of Your funds on deposit with Us; and/or (f) We should, in 
good  faith,  believe  Your  ability  to  repay  Your  indebtedness  hereunder  is  or  soon 
will be impaired. 

If  You  are  in  default,  We  may,  without  prior  notice  or  demand  and  to  the  extent 
permitted  by  law,  cancel  Your  rights  under  this  Agreement,  declare  the  entire 
unpaid balance of Your Account immediately due and payable, set-off any money 
owed Us in accordance with the terms of said Agreement and require the return of 
all access devices. 

If immediate payment is demanded, You will continue to pay Finance Charges at the 
applicable  Annual  Percentage  Rate  in  effect  until  what  You  owe  has  been  repaid. 
Even if Your unpaid balance is less than Your Credit Limit(s), You will have no credit 
available during any time that any aspect of Your Account is in default. 

PENALTY APR (EXCEPT CREDIT CARDS) 
For all products (except Credit Cards), if You are ever 30 or more days past due on 
any payment and/or Your Account is otherwise in default, the Margin applicable to 
Your entire balance existing at that time and in the future will increase by 10.00%. 
The increase in the Margin will result in an increase in the Daily Periodic Rate by 
0.027397% (corresponding to an increase in the  ANNUAL PERCENTAGE RATE 
of 10.00%). 

ENFORCEMENT 
We do not lose Our rights under this or any related agreement if We delay enforcing 
them. We can accept late payments, partial payments or any other payments, even 
if they are marked "paid in full" or contain language indicating full satisfaction of the 
unpaid  balance  without  losing  any  of  Our  rights  under  this  Agreement.  Any 
compromise in, or the reduction of, amounts owed under this Agreement must be 
previously  agreed to  in  writing by an authorized employee of the  Credit  Union.  If 
any provision of this or any related agreement is determined to be unenforceable 
or invalid, all other provisions remain in full force and effect. 

COLLECTION COSTS 
If You are in default, to the extent permitted by law, You will reimburse us for all costs 
of  collecting  the  amount  You  owe  under  this  Agreement  including  reasonable 
attorneys' fees. You agree that We may add any collection costs, including reasonable 
attorneys' fees, to Your Account balance on which Finance Charges will be charged, 
subject to the applicable Annual Percentage Rate. 

DEBT CANCELLATION COVERAGE 
Debt  cancellation  coverage  ("Loan  Protection  Plan")  is  not  required  for  any 
extension of credit under this Agreement. However, You may purchase any Loan 
Protection Plan available through Us and have the fees added to Your outstanding 
Account balance. If You elect to do so, You will be given the necessary disclosures 
and documents separately. 

INTEGRATED DOCUMENTS 
Any separate sheet of paper labeled "Additional Disclosure - Federal Truth-In-Lending 
Act,"  "Truth-In-Savings  Disclosure  and  Agreement"  or  "Schedule  of  Fees"  which  is 
delivered together with this Agreement or separately becomes an integrated part of 
this Agreement and Disclosure. 

NOTIFICATION OF ADDRESS CHANGE 
You will notify Us promptly in writing if You: (a) move or otherwise have a change of 
address; or (b) change Your name. 

CHANGE IN TERMS 
We may change the terms of this Agreement by mailing or 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 Agreement includes, but is not 
limited  to,  the  right  to  change  the  periodic  rate  applicable  to  Your  unpaid  balance 
and/or future advances. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION 
You will provide facts to update information contained in Your original application or 
other  financial  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 standing and financial responsibility in accordance with applicable 
laws and regulations. You further agree that We may give information about the status 
and  payment  history  of  Your  Account  to  consumer  credit  reporting  agencies,  a 
prospective  employer  or  insurer,  or  a  state  or  federal  agency  having  any  apparent 
legitimate business need for such information. 

You agree to provide Us, upon Our request, with a current financial statement or 
other current credit information that meets Our requirements. You understand and 
agree that if We request such information, that We may, at Our sole option, refuse 
to make further advances on Your Account until such time as We have received the 

Copyright Oak Tree Business Systems, Inc., 2014-2018. All Rights Reserved. 

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requested  information.  If  You  fail  to  furnish  the  requested  information  in  a  timely 
fashion  We  may,  at  Our  option,  and  without  further  notice  to  You,  declare  Your 
Account to be in default. 

TERMINATION 
Either You or We may cancel Your Account at any time, whether or not You are in 
default.  In the event We receive a written request for Account termination from You 
or  any  party  to  Your  Account,  or  if  We  receive  inconsistent  instructions  regarding 
Account  termination  from  different  parties  to  Your  Account,  We  may,  at  Our  sole 
option and without further notice to any other party, terminate Your Account or refuse 
any  right  with  respect  to  Your  Account,  which  may  include,  but  is  not  limited  to, 
refusing any request for credit or an advance on Your Account.  You will, in any case, 
remain liable to pay any unpaid balances according to the terms of Your Account. 

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 federal law.  

ELECTRONIC COMMUNICATIONS  
You  authorize  Us  to  send  You,  from  time  to  time,  and  to  the  extent  permitted  by 
applicable law, electronic communications regarding the status of any share, share 
draft, and/or certificate account(s) You maintain with Us. You also authorize Us to send 
You electronic communications regarding any other accounts You may maintain with 
Us from time to time including, but not limited to, loan accounts, credit line accounts, 
and credit card accounts. These electronic communications are sometimes referred 
to as "transactional or relationship messages." 

You authorize Us to contact You using any wireless, cellular, mobile or other telephone 
number  You  have  provided  to  Us  on  Your  membership  application,  and  at  any 
wireless,  cellular,  mobile  or  other  telephone  number  You  may  furnish  to  Us  or We 
obtain for You in the future. To the extent permitted by law, We may contact You using 
any  electronic  means  We  choose,  which  may  include  but  is  not  limited  to,  voice 
messages, text messages and other similar electronic methods of communication. If 
You have furnished Us with any e-mail address(es), You understand and agree that 
We may send You e-mail messages regarding Your Account(s) with Us from time to 
time.  If  You  have  executed  or  subsequently  execute  any  separate  Disclosure  and 
Consent to Receive Electronic Documentation or similar form, any communications 
covered by such Disclosure and Consent shall be subject to the terms and conditions 
set forth in that document. 

You understand that the nature of electronic communications is such that anyone 
with access to Your wireless, cellular, mobile or other telephonic device or e-mail 
may be able to read or listen to such transactional or relationship messages from 
Us, and You agree that any person or party sending or leaving such messages shall 
have  no  liability  for  any  consequences  resulting  from  the  interception  of  such 
messages  by  any  other  party.  Without  limitation,  You  also  agree  that  You  are 
responsible to pay all costs that You may incur as a result of any contact method 
We choose including, but not limited to, charges for telecommunications, wireless 
and/or internet charges. 

CONSENT TO CONTACT AGREEMENT 
You agree that We may, subject to applicable law, initiate telephone calls to any 
residential line (wireline service), cellular telephone service, or other wireless service 
associated  with  Your  Account  through  use  of  pre-recorded  or  artificial  voice 
messages and/or the use of automatic telephone dialing systems, in order for Us to 
service Your Account, prevent fraud, collect any amounts owed to Us by You, and 
otherwise conduct Our business with You. If You furnish Us with one or more cellular 
telephone numbers in connection with Your Account, You represent You are or will 
be  the cellular telephone subscriber with  respect  to  each such  number,  and  that 
Your consent extends to all such numbers You provide to Us. You understand that 
the telephone calls We  may  initiate may  result  in  charges  to  You  by  any  cellular 
telephone, internet, or other digital or electronic service to which You subscribe, and 
You understand and agree that You are solely responsible for the payment of any 
such charges. 

ARBITRATION AND WAIVER OF CLASS ACTION 
This  provision  does  not  apply  to  covered-loans  extended  to  covered  borrowers  as 
defined  within  the  Military  Lending  Act  ("MLA").  If  We  determine  the  credit  being 
extended is a covered loan, and You are a covered borrower, then We will provide a 
notice  titled  "Military  Annual  Percentage  Rate  ("MAPR")  And  Payment  Obligation 
Disclosure," as required by applicable law in which case the remaining portion of this 
provision will not apply to You.   

If We have determined that the credit being extended is not a covered loan, and/or 
You  are  not  a  covered  borrower  then,  You  will  not  receive  the  above  referenced 
notice and You and the Credit Union agree to attempt to informally settle any and 
all  disputes  arising  out  of,  affecting,  or  relating  to  the  credit  extended  under  this 
Agreement,  Your  accounts,  or  the  products  or  services  the  Credit  Union  has  
provided, will provide or has offered to provide to You, and/or any aspect of Your  

relationship with the Credit Union (hereafter referred to as the "Claims"), except to  
the  extent  that  this  provision  will  not  apply  to  any  credit  that  is  secured  by  Your 
principal dwelling. If that cannot be done, then You agree that any and all Claims 
that are threatened, made, filed or initiated after the Effective Date (defined below) 
of this Arbitration and Waiver of Class Action provision ("Arbitration Agreement"), 
even if the Claims arise out of, affect or relate to conduct that occurred prior to the 
Effective Date, shall, at the election of either You or the Credit Union, be resolved 
by binding arbitration administered by the American Arbitration Association ("AAA") 
in  accordance  with  its  applicable  rules  and  procedures  for  consumer  disputes 
("Rules"), whether such Claims are in contract, tort, statute, or otherwise. The Rules 
can be obtained on the AAA website free of charge at www.adr.org; or, a copy of 
the  Rules  can  be  obtained  by  calling  800-772-4000  option  0  or  emailing 
info@premieramerica.com. Either You or the Credit Union may elect to resolve a 
particular Claim through arbitration, even if one of Us has already initiated litigation 
in court related to the Claim, by: (a) making written demand for arbitration upon the 
other party, (b) initiating arbitration against the other party, or (c) filing a motion to 
compel  arbitration  in  court.    AS  A  RESULT,  IF  EITHER  YOU  OR  THE  CREDIT 
UNION ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, 
YOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND 
YOUR RIGHTS UNDER THIS LOAN NOTE AGREEMENT (EXCEPT FOR CLAIMS 
BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION, SO 
LONG  AS  THE  CLAIM  REMAINS  IN  SMALL  CLAIMS  COURT).  This  Arbitration 
Agreement  shall  be  interpreted  and  enforced  in  accordance  with  the  Federal 
Arbitration  Act  set  forth  in  Title  9  of  the  U.S.  Code  to  the  fullest  extent  possible, 
notwithstanding any state law to the contrary, regardless of the origin or nature of 
the  Claims  at  issue.  This  Arbitration  Agreement  does  not  prevent  You  from 
submitting  any  issue  relating  to  Your  accounts  for  review  or  consideration  by  a 
federal,  state,  or  local  governmental  agency  or  entity,  nor  does  it  prevent  such 
agency or entity from seeking relief on Your behalf. 

Selection of Arbitrator. The Claims shall be resolved by a single arbitrator.  The 
arbitrator  shall  be  selected  in  accordance  with  the  Rules,  and  m ust  have 
experience  in  the  types  of  financial  transactions  at  issue  in  the  Claims.  In  the 
event  of  a  conflict  between  the  Rules  and  this  Arbitration  Agreement,  this 
Arbitration Agreement shall supersede the conflicting Rules only to the extent of 
the inconsistency. If AAA is unavailable to resolve the Claims, and if You and the 
Credit  Union  do  not  agree  on  a  substitute  forum,  then  You  can  select  a 
reasonable forum for the resolution of the Claims. 

Effective Date.  This Arbitration Agreement is effective upon the 61st day after We 
provide  it  to  You  ("Effective  Date"),  unless  You  opt-out  in  accordance  with  the 
requirements of the RIGHT TO OPT-OUT provision below. 

Arbitration Proceedings.  The  arbitration shall  be conducted  within  50 miles  of Your 
residence at the time the arbitration is commenced. Any claims and defenses that can 
be asserted in court can be asserted in the arbitration. The Arbitrator shall be entitled to 
award the same remedies that a court can award, including public injunctive relief under 
the California Unfair Competition Law and Consumer Legal Remedies Act. Discovery 
shall be available for non-privileged information to the fullest extent permitted under the 
Rules. The Arbitrator's award can be entered as a judgment in court.  Except as provided 
in applicable statutes, the arbitrator’s award is not subject to review by the court and it 
cannot  be  appealed.  The  Credit  Union  shall  pay  for  any  filing,  administration,  and 
arbitrator fees imposed on You by the AAA. However, You will be responsible for Your 
own attorneys' fees, unless You prevail on Your Claim in the arbitration, in which case, 
We will pay Your attorneys' fees. However, if the Credit Union prevails, then You will not 
be required to pay Our attorneys' fees and costs. Any determination as to whether this 
Arbitration Agreement is valid or enforceable in part or in its entirety will be made solely 
by the arbitrator, including without limitation any issues relating to whether a Claim is 
subject to arbitration; provided, however, the enforceability of the Class Action Waiver 
set forth below shall be determined by the Court. 

Class  Action  Waiver.  ANY  ARBITRATION  OF  A  CLAIM  WILL  BE  ON  AN 
INDIVIDUAL BASIS. YOU UNDERSTAND AND AGREE THAT YOU ARE WAIVING 
THE  RIGHT  TO  PARTICIPATE  AS  A  CLASS  REPRESENTATIVE  OR  CLASS 
MEMBER IN A CLASS ACTION LAWSUIT.     

Severability.  In  the  event  the  Class  Action Waiver  in  this  Arbitration  Agreement  is 
found to be unenforceable for any reason, the remainder of this Arbitration Agreement 
shall also be unenforceable. If any provision in this Arbitration Agreement, other than 
the Class Action Waiver, is found to be unenforceable, the remaining provisions shall 
remain fully enforceable.   

Right to Opt-Out. You have the right to opt-out of this provision, provided You notify the 
Credit Union of Your intent to do so within 60 days after it is provided to You. Your opt-
out is only effective if You notify the Credit Union in writing at PACU ATTN: Member Ops, 
PO BOX 2178 Chatsworth CA 91313-2178 within such 60 day time period and provide 
Your name, address and Member Number in such written notice. If You fail to opt-out 
within this 60 day period, You will be deemed to have consented to the resolution of Your 
Claims through binding arbitration. In the event You opt-out, it shall not affect other terms 
and conditions of Your Account Agreement. 

Copyright Oak Tree Business Systems, Inc., 2014-2018. All Rights Reserved. 

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FOR MORE DETAILS or if You have questions, You may call the Credit Union or visit 
a  branch.  If  You  have  questions  about  AAA  procedures,  You  should  check  AAA's 
website, www.adr.org, OR call AAA at (800) 778-7879.     

CONSENT TO AGREEMENT 
You  agree to  and accept  the terms of  this  Agreement  And  Disclosure  by  signing the 
application for Your Account; by signing this Agreement And Disclosure; by using Your 
Account; by using any Account access device; or by using or authorizing another to use 
Your Account. 

SPECIFIC TERMS APPLICABLE TO YOUR MASTERCARD, 
STUDENT MASTERCARD, SECURED MASTERCARD, PREMIER 
PRIVILEGES REWARDS MASTERCARD, PREMIER FIRST 
REWARDS MASTERCARD AND VISA CREDIT CARDS 

USE OF YOUR CARD 
You  may  use  Your  Card  to  buy  goods  and  services  in  any  place  that  the  Card  is 
honored  and  to  get  cash  advances  from  participating  ATMs.  You  agree  not  to  use 
Your Card for illegal transactions including, but not limited to, advances made for the 
purpose  of  gambling  and/or  wagering  where  such  practices  are  in  violation  of 
applicable state and/or federal law. Additionally, You agree not to utilize Your Credit 
Card accounts for the purchase of any goods or services on the Internet that involve 
gambling of any sort. Such transactions include, but may not be limited to, any quasi-
cash or online gambling transaction, any electronic commerce transaction conducted 
over an open network, and any betting transaction including the purchase of lottery 
tickets or casino gaming chips or off-track betting or wagering. However, in the event 
that a charge or transaction described in this paragraph is approved and processed, 
You will still be responsible for such charges. 

OWNERSHIP 
All Account access devices remain Our property and may be cancelled by Us at any 
time  without  notice.  You  agree  to  surrender  such  Account  access  devices  and  to 
discontinue their use immediately upon Our request.   

CONSENSUAL LIEN 
If You have been issued a Credit Card, You grant and consent to a lien on 
Your  savings,  checking  and  certificate  accounts  with  Us  (except  for  IRA 
accounts) and any dividends due or to become due to You from Us to the 
extent You owe on Your unpaid Credit Card balance. 

ISSUANCE OF PERSONAL IDENTIFICATION NUMBER 
We will issue You a Personal Identification Number (PIN) for use with Your Card in 
conjunction  with  participating  Automated  Teller  Machines  (ATMs)  and/or  any  other 
participating programs. This PIN is confidential and should not be disclosed to anyone. 
You may use 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 Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement 
may also affect Your rights. Your use of the PIN is Your authorization to Us to charge 
Your Account to cover such transactions. 

PREMIER PRIVILEGES REWARDS MASTERCARD 
AND PREMIER FIRST REWARDS MASTERCARD MILEAGE PROGRAM 
Premier Privileges Rewards Mastercard and Premier First Rewards Mastercard 
Accounts in good standing will earn Premier Privileges Rewards Points based on 
signature  based  purchases  made  on  Your  Account.  The  details  of  the  Premier 
Privileges  Platinum  Awards  feature  of  Your  Premier  Privileges  Rewards 
Mastercard and Premier First Rewards Mastercard Account will be disclosed to 
You separately. 

REFUSAL TO HONOR CONVENIENCE CHECKS OR CREDIT CARDS 
We are not liable for the refusal or inability of merchants, financial institutions or others 
to  accept  convenience  checks  or  Credit  Cards,  or  electronic  terminals  to  honor 
convenience  checks  or  Credit  Cards  or  complete  a  Card  withdrawal,  or  for  their 
retention of convenience checks or Credit Cards. 

OUR RESPONSIBILITY TO HONOR CONVENIENCE CHECKS 
We  may  not  accept  any  convenience  check  if:  (1)  by  paying  a  convenience  check 
Your Account balance would exceed Your credit limit; (2) Your convenience check or 
payment  check  is  postdated;  (3)  Your  Cards  or  convenience  checks  have  been 
reported lost or stolen; (4) Your Account has been cancelled or has expired. 

If a postdated convenience check is paid and as a result any other convenience check 
is  returned  or  not  paid,  We  are  not  responsible.  Any  convenience  check  that  is 
returned by Us unpaid will be subject to a returned check fee. 

FOREIGN TRANSACTIONS  
(EXCEPT PREMIER PRIVILEGES REWARDS MASTERCARD) 
For transactions initiated in foreign countries and foreign currencies, the exchange 
rate between the transaction currency and the billing currency (U.S. dollars) will be: 
(a) a rate selected by VISA and/or Mastercard, as is applicable, from the range of 

rates available in wholesale currency markets for the applicable central processing 
date, which rate may vary from the rate VISA or Mastercard, as is applicable, itself 
receives; or (b) the government-mandated rate in effect for the applicable central 
processing date. In each instance, You will be charged a fee in an amount equal to 
1.00% of the settlement amount. 

TRANSACTION SLIPS 
Your  monthly  statement  will  identify  the  merchant,  electronic  terminal  or  financial 
institution at which transactions were made, but sales, cash advance, credit or other 
slips are not returned with the statement. 

LOST OR STOLEN CREDIT CARDS OR CONVENIENCE CHECKS 
To  report  a  lost  or  stolen  Card,  immediately  call  (800)  811-2917.  To  report  lost  or 
stolen  convenience  checks,  contact  a  Premier  America  Credit  Union  information 
specialist by calling (800) 772-4000 or (818) 772-4000. 

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 orally or in writing at the address or 
telephone number shown in this Agreement, of the loss, theft, or possible unauthorized 
use. In any case, Your liability will not exceed $50.00. 

CREDITS 
If a merchant who honors Your Card gives You credit for returns or adjustments, 
they  will  do  so  by  generating  a  credit  which  will  be  posted  to  Your  Account.  If 
Your credits and payments exceed what You owe Us, We will hold and apply this 
credit  against  future  purchases  and  cash  advances  or,  if  it  is  $1.00  or  more, 
refund  it  on  Your  written  request  or  automatically  deposit  it  to  Your  savings 
account after six months. 

EFFECT OF AGREEMENT 
Even though the sales, cash advance, credit or other slips You may sign or receive 
when  using  the  Card  contain  terms,  this  Agreement  is  the  contract  which  solely 
applies to all transactions involving the Card. 

Your Billing Rights: Keep this Document for Future Use 

This notice tells You about Your rights and Our responsibilities under the Fair 
Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If You think there is an error on Your statement, for VISA and Mastercard write to 
Us at Card Services, P.O. Box 10409, Des Moines, IA 50306. For all other Products, 
write  to  Us  at  Our  address  shown  in  this  Agreement.  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  three  business  days  before  an  automated  payment  is  scheduled, 
if You want to stop payment on the amount You think is wrong. 

You must notify Us of any potential errors in writing. 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. 

Copyright Oak Tree Business Systems, Inc., 2014-2018. All Rights Reserved. 

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After We finish Our investigation, one of two things will happen: 

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: 

 

 

If  We  made  a  mistake:  You  will  not  have  to  pay  the  amount  in  question  or                       
any interest or other fees related to that amount. 
If We do not believe there was a mistake: You will have to pay the amount in 
question,  along  with  applicable  interest  and  fees.  We  will  send  You  a 
statement of the amount You owe and the date payment is due. We may then 
report You as delinquent if You do not pay the amount We think You owe. 

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  $50.00. (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.) 

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 $50.00 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, 

  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  Card  Services,  P.O.  Box  10409,  Des  Moines,  
IA 50306.  

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. 

Copyright Oak Tree Business Systems, Inc., 2014-2018. All Rights Reserved. 

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PRICING INFORMATION ADDENDUM 
CREDIT LINE ACCOUNT 
AGREEMENT AND DISCLOSURE 

19867 Prairie Street 
Chatsworth, CA 91311 
(800) 772-4000 (818) 772-4000 

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA, MASTERCARD, STUDENT 
MASTERCARD,  SECURED  MASTERCARD,  PREMIER  PRIVILEGES  REWARDS  MASTERCARD,  AND  PREMIER 
FIRST REWARDS MASTERCARD CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS ADDENDUM CAREFULLY 
AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage 
Rate (APR) For 
Purchases 

Mastercard: 0.00% introductory APR for 6 months. 

After that, Your APR will be 11.15% – 18.15% based on Your creditworthiness and 
will vary with the market based on the Prime Rate. 

Student Mastercard: 0.00% introductory APR for 6 months.  

After that, Your APR will be 11.75% and will vary with the market based on the Prime Rate. 

Secured Mastercard: 13.15% – 20.15% based on Your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

Premier Privileges Rewards Mastercard: 0.00% introductory APR for 6 months. 

After that, Your APR will be 8.45% – 17.95% based on Your creditworthiness. 

Premier First Rewards Mastercard: 0.00% introductory APR for 6 months. 

After that, Your APR will be 19.50% and will vary with the market based on the Prime Rate. 

VISA: 15.40%      

Mastercard: 0.00% introductory APR for 6 months. 

After that,  Your APR  will be  11.15%  – 18.15%  based on  Your creditworthiness and  will  vary 
with the market based on the Prime Rate. 

Student Mastercard: 0.00% introductory APR for 6 months.   

After that, Your APR will be 11.75% and will vary with the market based on   the Prime Rate. 

Secured Mastercard: 13.15% – 20.15% based on Your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

Premier Privileges Rewards Mastercard: 0.00% introductory APR for 6 months. 

After that, Your APR will be 8.45% – 17.95% based on Your creditworthiness. 

Premier First Rewards Mastercard: 0.00% introductory APR for 6 months. 

After that, Your APR will be 19.50% and will vary with the market based on the Prime Rate. 

VISA: 15.40%      

Mastercard: 0.00% introductory APR for 6 months. 

After that,  Your APR  will be  11.15%  – 18.15%  based on  Your creditworthiness and  will  vary 
with the market based on the Prime Rate. 

Student Mastercard: 0.00% introductory APR for 6 months.   

After that, Your APR will be 11.75% and will vary with the market based on   the Prime Rate. 

Secured Mastercard: 13.15% – 20.15% based on Your creditworthiness. 
This APR will vary with the market based on the Prime Rate. 

SEE PAGE 2 for more important information about Your Account 

Annual Percentage 
Rate (APR) For 
Balance Transfers 

Annual Percentage 
Rate (APR) For Cash 
Advance 

Copyright Oak Tree Business Systems, Inc., 2014-2018. All Rights Reserved. 

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Interest Rate and Interest Charges (continued) 

Annual Percentage 
Rate (APR) for Cash 
Advance (continued) 

Premier Privileges Rewards Mastercard: 0.00% introductory APR for 6 months. 

After that, Your APR will be 8.45% – 17.95% based on Your creditworthiness. 

Premier First Rewards Mastercard: 0.00% introductory APR for 6 months. 

After that, Your APR will be 19.50% and will vary with the market based on the Prime Rate. 

VISA: 15.40%      

Your due date is at least 25 days after the close of each billing cycle. We will not charge You any 
interest on purchases if You pay Your entire balance by the  due date each month. For all Feature 
Categories  We  will  begin  charging  interest  on  balance  transfers  and  cash  advances  on  the 
transaction date. 

Paying Interest 

Fees  

Transaction Fees 

   Foreign Transaction  
   Cash Advance 

Except Premier Privileges Rewards Mastercard, 1.00% of each transaction in U.S. dollars. 
The greater of 3.00% of each transaction or $3.00. 

Penalty Fees 

   Late Payment 

Up to $15.00  

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. 

SEE PAGE 1 for more important information about Your Account 

CREDIT CARD FINANCE CHARGES 
The balances subject to the periodic Finance Charge are the average daily balances outstanding during the billing cycle. The Finance Charge for a billing cycle is computed by 
applying the Daily Periodic Rate to the average daily balance during the billing cycle. To get the average daily balance, We take the beginning balance of Your Account each 
day, add any new purchases, balance transfers, cash advances, insurance premiums, debit adjustments and any applicable fees, and subtract any payments, credits and 
unpaid Finance Charges or Late Fees. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle which We multiply 
by the Daily Periodic Rate. These daily Finance Charges are then added together and the sum is the amount of Your total new Finance Charge due. 

You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing 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. Balance transfers and 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 transaction is posted to 
Your Account. 

Your Mastercard is subject to a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE of 0.00%) for the initial six-
month  period.  Upon  the  expiration  of  the  introductory  rate  period,  Your  Daily  Periodic  Rate  will  increase  to  0.030548%  -  0.049726%  (corresponding  to  an  ANNUAL 
PERCENTAGE RATE of 11.15% - 18.15%), depending on Your creditworthiness. 

Your Student Mastercard is subject to a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE of 0.00%) for the 
initial six-month period. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.032192% (corresponding to an ANNUAL PERCENTAGE 
RATE of 11.75%). 

Your  Daily  Periodic  Rate  for  Secured  Mastercard  is  0.036027%  -  0.055205%  (corresponding  to  an  ANNUAL  PERCENTAGE  RATE  of  13.15%  -  20.15%),  depending  on  
Your creditworthiness. 

Copyright Oak Tree Business Systems, Inc., 2014-2018. All Rights Reserved. 

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Your Premier Privileges Rewards Mastercard is subject to a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE 
of 0.00%) for the initial six-month period. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.023151% - 0.049178% (corresponding 
to an ANNUAL PERCENTAGE RATE of 8.45% - 17.95%), depending on Your creditworthiness. 

Your Premier First Rewards Mastercard is subject to a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE of 
0.00%) for the initial six-month period. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.053425% (corresponding to an ANNUAL 
PERCENTAGE RATE of 19.50%). 

Your Daily Periodic Rate for VISA is 0.042192% (corresponding to an ANNUAL PERCENTAGE RATE of 15.40%). 

VARIABLE RATE (EXCEPT PREMIER PRIVILEGES REWARDS MASTERCARD AND VISA) 
Except Premier Privileges Rewards Mastercard and VISA, all advances are subject to a Variable Rate which is based on the Prime Rate as published in the Money Rates 
Section of The Wall Street Journal on the last day of Your previous billing cycle ("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 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 regularly scheduled payments that You will be required to make. There is no limit on the amount 
by which Your Interest Rate can increase. 

For Premier First Rewards Mastercard, if You do not incur a late charge during the period beginning on the date Your Account is opened and ending on the last day of the 
month  in  which the  first  anniversary  of the  opening of  Your  Account  occurs, the Margin  that  is  applied to  Your Account  will  be reduced  by two  percentage  points  (2.00%) 
beginning with the subsequent billing cycle.  For each 12-month period thereafter during which You do not incur a late charge, the Margin applicable to Your Account will be 
reduced by an additional two percentage points (2.00%), up to a total reduction in the Margin of eight percentage points (8.00%). These annual reductions in the Margin will 
automatically cease: (a) if You incur a late charge; or (b) when You have earned an eight percentage point (8.00%) reduction in the Margin; whichever occurs first.  In the event 
You make a late payment and are no longer eligible to earn further reductions in the Margin, any reduction in the Margin You may have previously earned will continue to apply 
to Your entire balance outstanding at that time and in the future. 

The Margin for Mastercard will range from 6.90 - 13.90 depending on Your creditworthiness. 

The Margin for Student Mastercard is 7.75. 

The Margin for Secured Mastercard will range from 8.90 - 15.90 depending on Your creditworthiness. 

The Margin for Premier First Rewards Mastercard will be 15.75. 

Copyright Oak Tree Business Systems, Inc., 2014-2018. All Rights Reserved. 

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