WESCOM CENTRAL
CREDIT UNION

Credit Card 
Agreement and Federal 
Truth-In-Lending 
Disclosure

(Retain for your Records)

Effective: January 1, 2015 
M-113477

In this Agreement and Disclosure Statement (Agreement) the
words WE, US, OUR and OURS mean WESCOM CREDIT
UNION. YOU, YOUR, and YOURS mean any person who
applies for a Card, uses the Account, whose name appears
on a Card or Statement, or otherwise is liable for the Account. 

This Agreement governs your credit card Account with us.

NOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR
A VARIABLE ANNUAL PERCENTAGE RATE. 

ACCOUNT means the line of credit associated with the Card. 

CARD means a Wescom Central Credit Union credit card, the
credit card number, and any other means of using your Ac-
count.  CARD also means each and every Wescom Platinum
Visa Card issued to you and any duplicates and renewals we
may issue. 

Requesting, receiving, signing, using, or permitting others to
use the Card issued to you by us binds you to the terms and
conditions of this Agreement and any amendments. 

AUTHORIZATION  AND  PAYMENT:  You  authorize  us  to
charge your Account for all Purchases and Cash Advances
made or obtained by you or anyone you authorize to use
your Card or Account. You will be obligated to pay all such
Purchases  and  Cash  Advances  charged  to  your  Account
whether resulting from: (1) actual use of your Card or Visa
Checks; (2) mail order or telephone, computer or other elec-
tronic Purchases made without presenting the Card; or (3)
any other circumstance where you authorize a charge, or au-
thorize someone else to make a charge, to your Account (col-
lectively, "authorized charges"). You promise to pay us or to
our order in U.S. Dollars with an instrument drawn on a fi-
nancial institution in the United States at our office or at the
address set forth on your periodic statement, all authorized
charges on the terms and at the rates set forth herein, plus
any FINANCE CHARGES assessed on your Account and any
other charges and fees which you may owe under the terms
of this Agreement. If any Account payment is invalid, we will
reverse such payment. We may accept checks, money orders,
or other types of payment marked "payment in full" or other
language indicating full satisfaction of indebtedness, without
being bound by such language or waiving any rights under 

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this Agreement. Full satisfaction of indebtedness shall be ac-
cepted by us only in a written agreement, signed by an au-
thorized representative. Payments will continue until you
have paid in full the unpaid balance, FINANCE CHARGES,
and all collection-related charges, and any other fees and
charges. 

SIGNATURE REQUIREMENT: In order for your Card to be
valid, you must sign the back of your Card as soon as you 
receive it. 

CREDIT LIMIT: Your Card has an Account limit (Credit Limit)
that is established by us. You agree not to allow the unpaid
balance to exceed the Credit Limit. However, if your balance
exceeds your Credit Limit, you are still obligated to pay us.
We may increase or decrease your Credit Limit at any time
and we may notify you by mail or through a Statement sent
to the address of record for the primary account holder either
before or after the change takes effect. If you object to a
Credit Limit increase, you must notify us immediately. You
or your joint applicant may request a change to your Credit
Limit verbally, in writing, or electronically, but it must be ap-
proved by our Credit Department. If your Credit Line is in-
creased, you are immediately responsible for the new Credit
Limit and any increase in the unpaid balance even when it
differs from an amount previously agreed to verbally or in
writing. Purchases and Advances are subject to daily limits
that may restrict the full use of your available Credit Limit. 

PURCHASES AND ADVANCES: You may use your Card to
make purchases of goods and services, in accordance with
current policies, up to your Credit Limit. Cash advance trans-
actions may be requested up to a maximum of 50% of your
established Credit Limit. Cash advance transactions include
Visa Checks, Balance Transfers, ATM withdrawals, eBranch
or Teller#Phone transfers and advances made at any bank or
credit union that accepts Visa. All transactions are subject to
our approval. To make a purchase or obtain an advance,
there are two alternative procedures to be followed. One is
for you to present the Card or Card number to a participat-
ing Visa plan merchant, to us or to another financial institu-
tion, and sign or authorize a sales or cash advance draft. The
other is to complete the transaction by using your Personal
Identification Number (PIN) in conjunction with the Card in
an Automated Teller Machine or other type of electronic ter-
minal that provides access to the Visa system. You may

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obtain Cash Advances by using an Automated Teller Ma-
chine (ATM), requesting them from us or other participating
financial institutions or merchants, using Account Checks
(Checks), or requesting a Balance Transfer orally or elec-
tronically. You may only use your Card and Checks for trans-
actions that are legal where you reside. Cash advances and
cash transactions do not earn points under the MyRewards
Program. We will not be held liable if you engage in illegal
transactions. You may not utilize your Card for the purchase
of any goods or services on the Internet that involve gam-
bling, gaming, betting or any similar transaction or activity.
Such transactions include, but may not be limited to, any
quasi-cash or online gambling transactions, any electronic
commerce transactions conducted over an open network, 
and any betting transactions including the purchase of lot-
tery tickets or casino gaming chips or off-track betting or
wagering. However, in the event that a charge or transac-
tion described in this paragraph is approved and posted, you
will still be responsible for such charges. 

ELECTRONIC FUND TRANSFER: In the event a use of the
Card or the Account number of the Card constitutes an Elec-
tronic Fund Transfer, the terms and conditions of your Elec-
tronic Fund Transfer Agreement and Disclosure with us shall
govern such transactions to the extent the Electronic Fund
Transfer Agreement and Disclosure expands or amends this
Agreement. 

AUTHORIZATIONS: Most transactions require approval of
funds. Approvals result in placing a hold against your Credit
Limit. We may limit the number or amount of approvals or
Purchases and Advances per day or deny transactions when
we detect unusual or suspicious activity, even if you have
sufficient credit available. We are not liable for failing to ap-
prove any transaction and we may, although we are not re-
quired to, approve transactions above your available credit.
We are not liable if a merchant, financial institution or ATM
does not honor your Card. We are subject to claims and de-
fenses (other than tort claims) arising out of goods or serv-
ices you purchase with the Card only if you have made a
good faith attempt but have been unable to obtain satis-
faction from the plan merchant, and (a) your purchase was
made in response to an advertisement we sent or partici-
pated in sending you; or (b) your purchase cost more than
$50.00 and was made from a plan merchant in your state or

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within 100 miles of your current mailing address. Any other
dispute you must resolve directly with the plan merchant. 

PERIODIC BILLING STATEMENTS: Your Card or other Ac-
count activity will be reflected on the Periodic Billing State-
ment  (Statement).  Your  Statement  will  identify  the
merchant, electronic terminal, or financial institution that
processed the transaction but sales, cash advance, credit or
other  slips  cannot  be  returned  with  the  Statement.  You
should retain your statements and records of your transac-
tions in order to reconcile your Statement. If you request a
copy of any sales draft or similar document, a fee in the
amount of $5.00 per document may be imposed by us. This
fee will not be imposed, however, if it was requested in con-
nection with a Billing Error. Statements will be mailed only to
the address of the person named first on the Account. If you
elect to receive statements electronically, your statement will
be sent to the email address we have on file at the time your
statement is produced. 

TERMINATION: We may terminate this Agreement upon
your default. Either you or we may terminate this Agree-
ment for any reason. If you choose to terminate this Agree-
ment, you are not relieved of your obligation to repay the
balance of all transactions on the Account including Fees
and FINANCE CHARGES. You agree to return all the Cards
issued to you or any party designated by you. 

MINIMUM MONTHLY PAYMENT: Every month you must
pay at least the Minimum Monthly Payment due by the
Payment Due Date shown on your Statement. By separate
agreement, you may authorize us to automatically transfer
the Minimum Monthly Payment from your Credit Union
share or share draft account. You may pay more frequently,
pay more than the required minimum or pay the new bal-
ance  in  full,  and  you  will  reduce  your  periodic  FINANCE
CHARGE by doing so. If your ANNUAL PERCENTAGE RATE
is changed pursuant to the provisions set forth below, the
number of payments required to repay the unpaid balance
will be affected accordingly. The Minimum Monthly Pay-
ment is 3% of the New Balance plus any past due amount,
any late charge, and any amount over your Credit Limit.
However, the Minimum Monthly Payment will be at least
$15.00,  except  when  the  New  Balance  plus  FINANCE
CHARGES, late charges, if any, are less than $15.00. You
understand and agree that your minimum payment is applied

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first to unpaid FINANCE CHARGES, then to unpaid fees (if
any), then to any promotional balances, then to the lowest
rate Cash balance, then to the lowest rate Purchase balance.
Any payment amount you pay over the minimum amount
due will be applied to your highest rate Cash balance, then
your highest rate Purchase balance, then any promotional
balances  starting  with  the  highest  rate  Purchase  balance
then highest rate Cash balance, then unpaid finance charges
and fees. 

PREPAYMENT OR IRREGULAR PAYMENTS: Although you
need only pay the Minimum Monthly Payment, you may
repay your Account balance at any time without penalty.
You will be charged FINANCE CHARGES only to the date
you  repay  your  entire  Account  balance.  You  may  make
larger payments without penalty, and this will reduce the
total amount of FINANCE CHARGES that you will pay. If you
pay  more  than  the  Minimum  Monthly  Payment  in  any
month and there is still a balance due, you must continue to
make minimum payments in future months. Any partial pay-
ment of your balance will not advance your next payment
due date(s). Any payment that (a) delays or (b) accelerates
the repayment of your unpaid balance will (a) increase or (b)
decrease your monthly periodic FINANCE CHARGE. 

PAYMENTS BY AUTOMATIC TRANSFER: If you request a
payment by automatic transfer, you understand and agree
that no payment can or will be made if there are insufficient
or uncollected funds in the designated sub-account to make
the scheduled loan payment. Should this event occur, you
understand and agree that you will not be released from
making the payment. Any automatic transfer you have re-
quested will remain in effect until you cancel it in writing or
the Agreement is paid in full. We may cancel this service at
our discretion. 

FINANCE CHARGES: Monthly Periodic FINANCE CHARGE,
Monthly Periodic Rate, and ANNUAL PERCENTAGE RATE
and DEFAULT ANNUAL PERCENTAGE RATE (APR) - The
Monthly Periodic Rate and corresponding ANNUAL PER-
CENTAGE RATE used in calculating the Monthly Periodic FI-
NANCE CHARGE may increase or decrease during the term
of this Agreement. Any such change will be based on an in-
crease or decrease in the "Prime Rate" as published in The
Wall Street Journal (herein "Index"). In the event that the

5

Index  ceases  to  be  published,  changes  in  your  ANNUAL
PERCENTAGE RATE will be related to a comparable Index. 

We may waive an increase in your ANNUAL PERCENTAGE
RATE when such an increase can be made, but such waiver
shall not be construed as a waiver of our right to increase
the ANNUAL PERCENTAGE RATE at a future date when en-
titled to do so. 

Your  ANNUAL  PERCENTAGE  RATE  is  subject  to  change
monthly on the first day of every month following one full
billing cycle after an increase or decrease in the Index. These
dates shall be known as "Adjustment Dates." For example,
if the Index changes anytime in the month of January, your
new ANNUAL PERCENTAGE RATE will go into effect on the
first day of March. Decreases in your ANNUAL PERCENT-
AGE RATE in accordance with the terms of this Agreement
are mandatory. Increases in your ANNUAL PERCENTAGE
RATE can be made at our discretion subject to the terms of
this  Agreement.  If  the  ANNUAL  PERCENTAGE  RATE  in-
creases or decreases, the FINANCE CHARGE will increase or
decrease. Each change in the ANNUAL PERCENTAGE RATE
and Monthly Periodic Rate, which is the result of an increase
or  decrease  in  the  index,  will  apply  to  any  balance  out-
standing on the effective date of such change as well as to
future Credit Purchases and Cash Advances. 

The initial periodic rate used in calculating your Monthly
Periodic FINANCE CHARGE is set forth in the “ACCOUNT
OPENING  TABLE”  you  received  separately  and  which  is
made  part  of  this  Agreement.  The  Monthly  Periodic  FI-
NANCE CHARGE for each billing cycle will be calculated by
multiplying the Average Daily Balance (described below) of
your Account for the billing cycle by the Monthly Periodic
Rate. The Monthly Periodic Rate is determined by dividing
the ANNUAL PERCENTAGE RATE by 12 and will change
when the ANNUAL PERCENTAGE RATE changes. You un-
derstand and agree that if, at any time, your Account be-
comes thirty (30) or more days past due two (2) or more
times in a twelve (12) month period, OR your Account be-
comes sixty (60) days past due, FINANCE CHARGES on your
entire balance will be calculated at the Default ANNUAL
PERCENTAGE RATE, which is the Index + 19.65% (corre-
sponding Monthly Periodic Rate of the Index + 19.65% di-
vided by 12). When we have subsequently received six (6)

6

consecutive payments of not less than the required Mini-
mum Payment on or before your monthly due date, your
ANNUAL PERCENTAGE RATE will revert from the Default
ANNUAL PERCENTAGE RATE to the variable ANNUAL PER-
CENTAGE RATE set forth above. 

CHANGE OF TERMS: This Agreement is the contract which
applies to all transactions on the Account, even though the
sales, Cash Advance, credit, or other documents you sign,
agree to, or receive, may contain different terms. We may
amend, modify, add to, or delete from this Agreement any
term, condition, service, or feature at any time, including the
amount or calculation of FINANCE CHARGES. A notice will
be mailed to your last known address at least forty-five (45)
days prior to the effective date of the change as required by
federal or other law. When a notice of change in terms is re-
quired, it may be sent as late as the effective date of the
change when the change has been agreed to in writing by
you. Rates are based on approved credit. The Annual Per-
centage Rate (APR) you receive will be based on your credit
score. 

HOW  WE  COMPUTE  THE  ACCOUNT  PURCHASE  BAL-
ANCE (CONSISTING OF TRANSACTIONS RELATED TO 
PURCHASES  OF  PROPERTY  AND  SERVICES)  UPON
WHICH FINANCE CHARGES ARE ASSESSED: Average Daily
Balance (including new purchases). To avoid incurring an ad-
ditional periodic FINANCE CHARGE on the balance of Ac-
count Purchases reflected on your Statement and on any
new Account Purchases appearing on your next Statement,
you must pay the New Balance shown on your Statement on
or before the Payment Due Date. If payment in full for the
entire New Balance shown on your Statement or the previ-
ous billing cycle is received by us no later than 5:00 p.m. on
the Payment Due Date (at least 25 days from the close of the
Statement  period),  we  do  not  assess  a  periodic  Finance
Charge on the balance of your Account Purchases. If such
payment was not received when payment was due, then we
figure the Finance Charge on the balance of your Account
Purchases by applying the Monthly Periodic Rate to the Av-
erage Daily Balance of your Account Purchases, which is de-
termined by dividing the sum of the daily balances during
the billing cycle by the number of days in the cycle. Each
daily balance is determined by adding to the previous bal-
ance  of  Account  Purchases  any  new  Account  Purchases
posted to the Account, and subtracting any payments as re-

7

ceived and credits posted to the Account, but excluding any
unpaid FINANCE CHARGES, and late charges. You have a
twenty-five  (25)  day  grace  period  from  the  close  of  the
Statement period to pay the New Balance without incurring
additional FINANCE CHARGES. If the New Balance is not
paid in full during this grace period, FINANCE CHARGES will
be assessed using the Average Daily Balance method as ex-
plained above. 

HOW  WE  COMPUTE  THE  CASH  ADVANCES  BALANCE
(CONSISTING  OF  TRANSACTIONS  RELATED  TO  CASH
AND OTHER ADVANCE TRANSACTIONS) UPON WHICH
PERIODIC  FINANCE  CHARGES  ARE  ASSESSED:  Average
Daily Balance (including new advances). The periodic FI-
NANCE CHARGES for a billing cycle are computed by ap-
plying  the  Monthly  Periodic  Rate  to  the  Average  Daily
Balance of Cash Advances, which is determined by dividing
the sum of the daily balances during the billing cycle by the
number of days in the cycle. Each daily balance of Cash Ad-
vances is determined by adding to the previous balance of
Cash Advances to any new Cash Advances, Checks or Trans-
fers as of the transaction date, and subtracting any payments
received and credits posted to the Account, but excluding
any unpaid FINANCE CHARGES and late charges. There is
no grace period in order to avoid the imposition of FINANCE
CHARGES on Cash advances. This determines your total FI-
NANCE  CHARGE  for  the  billing  cycle.  Actual  FINANCE
CHARGES will be shown on your statement. 

LATE CHARGE: We will charge a Late Charge of $15.00 with
respect to any monthly billing cycle as a late payment charge
on  the  Minimum  Monthly  Payment  due  that  is  not  paid
within fifteen (15) days after the Payment Due Date shown
on your Statement. However, the Late Charge shall not ex-
ceed the maximum amount permitted under applicable state
law. 

STATEMENT FEE: If you request a copy of any Statement
other than the most recent Statement, a fee in the amount
of $5.00 per Statement may be imposed by us. 

RETURNED PAYMENT FEE: If a payment that was applied to
your account is returned to us unpaid for any reason, you
will be charged a $25.00 fee. This fee will also apply to any
payments made by automatic transfer that cannot be posted

8

due to insufficient funds in your regular share or checking
account.  If your returned payment was less than $25.00
the fee will be the amount of your payment.

RUSHED  CARD  FEE:  If  you  request  to  have  your  card
rushed, you will be charged an $18.00 fee. 

REPLACEMENT CARD FEE: If you request a replacement
card, you will be charged a $5.00 fee. 

CASH ADVANCE FEES: For each cash advance, a fee of 2%
will be charged. The minimum cash advance fee is $2 and
the maximum fee is $50 for each advance. Cash advance
transactions are defined as balance transfers, ATM with-
drawals, Visa Checks, ebranch cash transfers, Teller#Phone
cash transfers and cash advances made at any financial in-
stitution branch. 

MEMBERSHIP REQUIREMENT: You must be and remain a
Member in good standing with us to be eligible for contin-
uing Account and/or Card privileges including future pur-
chases and advances. We may suspend the Account and/or
Card privileges, including closing the Account, if you do not
maintain your Membership with us. 

RESPONSIBILITY FOR ACCOUNT: You agree to repay us
according to the terms of this Agreement for all Purchases,
Advances, FINANCE CHARGES, fees, and collection costs, if
any, arising from the use of this Account by you or any other
person you permit to use your Card and/or Account (even
if that person exceeded the amount for which you gave per-
mission). You cannot disclaim responsibility by notifying us,
although we will close the Account if you so request in writ-
ing and you will return all Cards to us. Your obligation to
pay the Account balance continues even though an agree-
ment, divorce decree or other court judgment to which we
are not a party may direct you or one of the other persons
responsible to pay the Account. Any person using the Ac-
count and/or Card is jointly and severally responsible with
you for charges he or she makes, but if that person signs
the Card he or she becomes a party to this Agreement and
is also responsible for all charges on the Account, including
yours. The Cards remain our property and you must recover
and surrender to us all Cards upon our request and/or upon

9

termination of this Account. You remain liable for any trans-
actions to the Account that we cannot prevent after you 
notify us. 

DEFAULT: You will be in default if you fail to comply with
any  of  the  terms  of  this  Agreement  or  any  other  loan 
agreement with us or anyone else, in the event of your in-
competency, bankruptcy, insolvency, death, fraud, or mis-
representation, or if your creditworthiness is impaired. If you
are in default, we may close your Account or suspend your
Card privileges without further notice and we may demand
immediate payment of the unpaid balance including all fees
and service charges. In the event of any action by us to en-
force this Agreement, you will pay our collection costs, court
costs,  attorneys'  fees,  including  those  incurred  by  bank-
ruptcy, and other expenses. If you are in default, FINANCE
CHARGES and other charges and fees will continue to ac-
crue until you repay your entire loan. 

ACCELERATION  AND  COLLECTION  COSTS:  Upon  your
default, you understand and agree that we have the right
to temporarily or permanently suspend any and all Account
and Card privileges and/or we may demand immediate pay-
ment  of  the  unpaid  balance,  FINANCE  CHARGES,  late
charges, our collection costs, reasonable attorneys' fees, and
court costs (collectively, "collection-related charges"). You
understand and agree that you will be subject to FINANCE
CHARGES (at the applicable Monthly Periodic Rate), late
charges and collection related charges under the terms dis-
closed in this Agreement, until you repay your entire loan. 

LIEN ON SHARES: If you have voluntarily agreed to a lien on
shares in your application for an Account or in any other
manner, we may apply all shares (except IRA accounts) then
on deposit needed by us to repay your loan if you are in de-
fault on the Account. 

PLEDGE OF SHARES: If you have signed or otherwise agreed
to a separate Share Pledge Agreement, you are pledging
under the Uniform Commercial Code shares now on deposit
in your regular share account(s). You must, at all times, keep
a sum equal to your Credit Limit on deposit in your regular
share account(s) until you repay your entire loan and the Ac-
count is terminated or converted. This security interest will
cover future Purchases and Advances under this Agreement.
If you default, we may apply these shares to repay your loan
in accordance with federal or other law. The ANNUAL PER-
10

CENTAGE RATE quoted in this Agreement, does not take
into account the amount pledged in your regular share ac-
count(s). 

CREDIT INFORMATION: At our request, you will update
the credit information that you have provided. You author-
ize us to investigate your credit standing at any time, in-
cluding but not limited to opening, renewing, or reviewing
your Account. You authorize us to disclose information re-
garding your Account to credit reporting agencies and other
creditors who inquire of us about your credit standing to the
extent authorized by applicable law. If you question the ac-
curacy  of  our  reported  information  to  a  credit  reporting
agency, write us at the address listed on the Statement with
a description of your dispute. If available, please provide a
copy of the credit report in question. 

PERSONAL INFORMATION: You will notify us immediately
if you change your name, address, home telephone num-
ber, or work telephone number. 

ACCURACY OF INFORMATION: The information provided
in your request for credit (application) is accurate and you
will notify us in writing immediately if there is a change in
your financial condition. We may retain the application. You
understand that it is a violation of Section 1014, Title 18 U.S.
Code to make false statements or over value security for the
purpose of influencing the action of any federally insured
credit union. We may gather credit and/or employment in-
formation we deem necessary and appropriate from time to
time and we may give information concerning our credit ex-
perience with you to others. 

FOREIGN TRANSACTIONS: Purchases, Cash Advances, and
credits made in foreign currencies will be billed to your Ac-
count in U.S. dollars. The conversion to U.S. dollars will be
made in accordance with the Visa operating regulations for
international transactions. The exchange rate between the
transaction currency and the billing currency used for pro-
cessing international transactions is a rate selected by Visa
from the range of rates available in wholesale currency mar-
kets for the applicable Central Processing Date, which rate
may vary from the rate Visa itself receives, or the govern-
ment-mandated rate in effect for the applicable Central Pro-
cessing  Date  in  each  instance,  plus  a  one  percent  (1%)
foreign transaction fee. This fee will also apply to foreign

11

transactions which do not require a conversion to U.S. dol-
lars. The conversion rate may be different than the rate on
the day of the transaction or date of posting of the Account.
When a credit to the Account does not fully offset a charge
to the Account due to changes in the rate, you are respon-
sible for the difference. 

ENFORCEMENT: Failing or delaying to exercise any of our
rights under this Agreement will not cause us to lose the
rights or waive any of our rights in the future. If any term of
this Agreement is found to be unenforceable, all other pro-
visions will remain in full force. 

TELEPHONE MONITORING: We may listen to and record
telephone calls between you and us for the purpose of im-
proving the quality of service you receive. 

LOST OR STOLEN CARDS, NOTIFICATION AND LIABIL-
ITY: You must notify us IMMEDIATELY if you believe that
your Card, Account number, Personal Identification Number
(PIN) or any combination of the three has been lost or stolen
by calling us at (888) 493-7266. Representatives are avail-
able to take your lost/stolen report 24 hours a day, 7 days a
week. If you are unable to access the national toll free tele-
phone number, please call us at (626) 535-1000. Telephon-
ing is the best way of keeping your possible losses down. In
the event your card is used fraudulently, you agree to assist
us in our investigation. 

GOVERNING LAW: This Agreement is made in California
and shall be governed by the laws of the State of California
to the extent that California law is not inconsistent with con-
trolling federal law. Also, California's choice of law rules shall
not be applied if that would result in the application of non-
California law. 

INTEGRATED DOCUMENT(S): Any separate sheet of paper
labeled "Additional Disclosure - Federal Truth-in-Lending
Act" or “Account Opening Table” is an integrated part of
this Agreement. 

RETURNS AND ADJUSTMENTS: Merchants and others who
honor the Account and/or Card may give credit for purchase
returns or adjustments and they will do so by sending us a
credit slip which we will post to the Account. If a credit fails

12

to post to your Account, you may request our help in hav-
ing the credit applied to your Account by sending us a copy
of the credit slip issued by the merchant. You have the sole
responsibility to obtain written proof of credit and to retain
copies of credit receipts until the credit is properly applied to
your Account. If your credits and payments exceed what you
owe us, we will hold and apply this credit balance against
future Purchases and Advances for as long as six (6) months. 
You may request a refund of a credit balance or we will de-
posit it into your Regular Share account within six (6) months
of maintaining a credit balance. 

ADDITIONAL  TERMS  APPLICABLE  TO  VISA  CHECKS:
CHECK USES: You can use the Visa Checks ("Checks" or
"Check") to purchase goods and services or to obtain cash
up to the amount of your Cash Credit Limit, except when
the Checks include specific instructions limiting use. Use of
the Checks is a cash advance on your Visa Account and is
subject  to  the  disclosed  fees  and  FINANCE  CHARGES.
Checks do not qualify for "Special Rule for Credit Card Pur-
chases" described in this Agreement or any other features 
pertaining to Card Purchases. Checks do not earn MyRe-
wards Points. They may not be used to pay off any other
Wescom Credit Union loan or credit card. 

LIMITATIONS: There is no additional or separate credit limit
for Cash Advances or Visa Checks. We are not required to
honor  a  Check  that  will  cause  you  to  exceed  your  Cash
Credit Limit. We will not pay a Check if at the time the Check
is presented, you are in default or we have suspended, ter-
minated or canceled the Account. Each Check must be in the
form we have issued to you. Checks may be used only by the
person(s) whose name(s) is/are printed on the Check. You
are responsible for all authorized use of the Checks. You may
not use the Checks to pay any amount which you owe us
pursuant to this Agreement and Disclosure Statement. Cer-
tain merchants may inform you of their intent to convert
your check payment to an electronic ACH debit. For mailed
payments, this notification will be provided at the time you
receive your bill. For payments made in person, this notifi-
cation will be provided at the time payment is made. It is im-
portant for you to know that Visa checks are ineligible for
conversion to an ACH debit and if presented by a merchant
to Wescom for payment, we are required to reject and return
the entry. Using Visa Checks for payments to merchants who
have notified you of their intent to convert your check to an

13

ACH debit may result in merchant returned item fees and/or
late charges. We will not be liable for any fees you incur as
a result of our failure to honor a Visa Check that is converted
to an ACH debit. 

PERIODIC BILLING STATEMENTS: Your Statement will show
you an itemization of the Checks posted to the Account dur-
ing the billing cycle. Checks paid by us will not be returned
to you with your Statement. 

STOP PAYMENT FEE: Provided such request is timely, so that
we shall have a reasonable opportunity to act upon it under
our rules, you may order stop payment on a Visa Check,
other than one that has been guaranteed. In the event of an
oral stop payment order, the order shall be valid for only
fourteen (14) days thereafter unless confirmed in writing.
Written stop payment orders will remain in effect only six (6)
months unless renewed in writing. You have the burden of
establishing the fact and amount of loss resulting from pay-
ment  contrary  to  a  binding  stop  payment  order.  We  will
charge a fee of $25.00 per Check when you place a stop
payment on your Check(s) which will be billed to the Ac-
count whether or not the Check is stopped. You may not
stop payment on any transactions made with your Card. 

RETURNED CHECK FEE: If we decline to honor a Visa Check,
you will be charged a $25.00 Returned Check Fee up to a
maximum of three (3) Returned Check Fees per day. We may
decline to honor such Checks if, for example, the amount of
the Check would cause you to exceed your Cash Credit Limit,
if you are in default, if you did not comply with the instruc-
tions included with the Check, the Check appears altered or
is missing information, the Check was used by someone other
than the person to whom we sent the Check, the Card has
expired or was revoked, the Account is closed or suspended,
or the Check was converted to an ACH transaction. 

SURRENDER OF VISA CHECKS: The Checks are our prop-
erty. We reserve the right to revoke them at any time. You
agree to return them at our request. 

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE
USE: This notice contains important information about your
rights and responsibilities under the Fair Credit Billing Act. 

NOTIFICATION  IN  CASE  OF  ERRORS  OR  QUESTIONS
ABOUT YOUR STATEMENT: If you think your Statement is
14

wrong, or if you need more information about a transaction
on your Statement, you must write to us on a separate sheet
at the address listed on your Statement. You should write to
us as soon as possible. We must hear from you no later than
sixty  (60)  days  after  we  sent  you  the  first  Statement  on
which the error or problem appeared. You can telephone us,
but doing so will not preserve you rights. In your letter, you
should give us the following information: 

(cid:129) Your name and account number. 
(cid:129) The dollar amount of the suspected error. 
(cid:129) Describe  the  error  and  explain,  if  you  can,  why  you 
believe there is an error. If you need more information, 
describe the item you are not sure about. If you have au-
thorized us to pay your Statement automatically from your
Wescom  account,  you  can  stop  the  payment  on  any
amount you think is wrong. To stop the payment, your let-
ter must reach us three (3) business days before the auto-
matic payment is scheduled to occur. 

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE
RECEIVE YOUR WRITTEN NOTICE: We must acknowledge
your letter within thirty (30) days. We will also inform you if
we have already corrected the error. Within ninety (90) days,
we must either correct the error or explain why we believe
the Statement was correct. While we investigate whether or
not there has been an error, we cannot try to collect any
amount you question, or report you as delinquent. We can
continue to bill you for the amount you question, including
FINANCE CHARGES, and we can apply any unpaid amount
against your Credit Limit. You do not have to pay any ques-
tioned amount while we are investigating, but you are still
obligated to pay charges on your Statement that are not in
question. If we find that we made a mistake on your State-
ment, you will not have to pay the incorrect amount nor any
FINANCE CHARGES or other fees related to that amount. If
we did not make a mistake, you will have to pay the amount
in question, along with applicable FINANCE CHARGES and
fees, and you will have to make up any missed payments on
the questioned amount. In either case, we will send you a
Statement of the amount you owe and the date that it is
due. If you fail to pay the amount that we think you owe, we
may report you as delinquent. However, 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 with-
out also reporting that you are questioning your bill. We
15

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 these rules, you do not have to pay the first $50.00 of
the questioned amount, even if your Statement was correct. 

SPECIAL  RULE  FOR  CREDIT  CARD  PURCHASES:  If  you
have a problem with the quality of property or services that
you purchased with a 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
property or services. The limitations on this right are: 

(cid:129) You must have made the purchase in your home state or,
if not within your home state, within 100 miles of your
current mailing address; and 

(cid:129) The purchase must have been more than $50.00. These
limitations do not apply if we own or operate the mer-
chant, or if we mailed you the advertisement for the prop-
erty services. 

MyRewards Progam: Please read the following Terms and
Conditions to fully understand the MyRewards Program. 

All  cash  transactions  including  ATM  withdrawals,  Visa
checks, balance transfers and cash advances, do not accrue
Rewards points. There is no fee to participate in the Program.
Every dollar in qualifying purchases, net of returns, earns one
point under the program. No points are earned for finance,
charges, any fees, foreign transaction currency charges. The
maximum possible points that can be earned during a single
billing cycle is 10,000 points. Points expire at the end of the
fifth year after which they were earned. For example, points
earned in January 2012 will expire on your billing cycle date
in December 2016. The selection of Gift Cards available for
redemption may vary from time to time depending on their
availability. If a Gift Card you want is no longer showing on
the  website,  check  back  as  inventory  is  replenished  fre-
quently.  We  reserve  the  right  to  change  the  number  of
points required for redemption of a specific dollar value Gift
Card without notice. We also reserve the right to discontinue
offering any Gift Card brand without notice. Redeemed Gift
Cards may not be returned to Wescom (used or unused).
Wescom Credit Union will not be responsible in the event a
retailer goes out of business and/or discontinues acceptance
of their branded Gift Cards. Wescom will not be responsible

16

if a merchant makes an error and overcharges on the Gift
Card. There are no dispute rights on Gift Cards. Points have
no cash value. The credit card account must be open and in
good standing to earn or redeem points under the Program.
When a credit card is closed or revoked, all points are for-
feited.  This  Program  is  void  where  prohibited  by  law.
Wescom Credit Union reserves the right to discontinue or
modify  the  Program  at  any  time  without  restriction  or
penalty. This means that regardless of a Participant’s level of
activity in the Program, the ability to accumulate points or
redeem rewards can be terminated without notice. Card-
holder is responsible for making travel arrangements entirely
and Wescom will not be responsible for any aspect of card-
holder’s travel arrangements made with a gift card including
any vendor (hotel, car rental agency, cruise line etc.) that re-
fuses to honor the card. There are no dispute rights on the
Gift  Cards.  If  an  amount  is  charged  on  the  card  that  is
greater than the stated value of the card, cardholder will be
responsible for the difference which will be charged to their
Visa credit card without notice.Every effort has been made
to ensure that the information in the MyRewards Program
Communications is accurate. The Program reserves the right
to correct such errors at any time.

17

Wescom Credit Union

Telephone Number:
Toll Free
1-888-4WESCOM
(1-888-493-7266)
Web Site:
www.wescom.org

Email:
mail@wescom.org