Copyright Oak Tree Business Systems, Inc., 2014-2021. All Right s Reserved. Page 1 of 7                 OTBS 016 FRB Web PREM (3 /21) 
                                     
 
CREDIT LINE ACCOUNT 
AGREEMENT AND DISCLOSURE 
THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT I NCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING 
DISCLOSURE STATEMENTS AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR MASTERCARD, STUDENT 
MASTERCARD, SECURED MASTERCARD AND PREMIER PRIVILEGES REWARDS MAS TERCARD 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. 
Borrower Name(s) Account Number 
Credit Lim it 
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 Pri me Rate. 
Premier Privileges Rewards Mastercard: ______% introductory APR for ______ months. 
After that, Your APR will be ______% .    
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 Pri me Rate. 
Premier Privileges Rewards Mastercard: _______% introductory APR for ______ months. 
After that, Your APR will be _______% .
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 Pri me Rate. 
Premier Privileges Rewards Mastercard: _______% introductory APR for ______ months. 
After that, Your APR will be _______% .
SEE PAGE 2 for more important information about Your Acc ount  Copyright Oak Tree Business Systems, Inc., 2014-2021. All Right s Reserved. Page 2 of 7                 OTBS 016 FRB Web PREM (3 /21) 
                                     
 Interest Rate and Interest Charges (continued) 
Annual Percentage Rate 
(APR) For Cash Advance 
(continued) Overdraft Line of Credit: _______% 
This APR will vary with the market based on the Pri me Rate. 
Premier Line of Credit: _______% 
This APR will vary with the market based on the Pri me Rate. 
Penalty APR and When 
it Applies For Overdraft Line of Credit and Premier Line of Credi t: ________% 
This APR may be applied if: 
1) You make a late payment. 
2) You are otherwise in default. 
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 bal ance existing at that time and in 
the future. 
Paying Interest For Credit Cards, Your due date is at least 25 days a fter 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 charg ing 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 applyi ng for or using a Credit Card,  visit 
the website of the Consumer Financial Protection Bur eau 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 foreign 
currency transaction in U.S. Dollars. 
For Credit Cards (except Premier Privileges Rewards Mastercard), 1.00% of each U.S. Dollar 
transaction that occurs in a foreign country. 
For Credit Cards, the greater of 3.00% of each transaction or $3.00 .
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 Mastercard), We use a method c alled "daily balance." For  
Mastercard, We use a method called "average daily balan ce (including new purchases)." See Your Account Agre ement for details. 
Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in You r 
Account Agreement.   
SEE PAGE 1 for more important information about Your Acc ount  Copyright Oak Tree Business Systems, Inc., 2014-2021. All Right s Reserved. Page 3 of 7                 OTBS 016 FRB Web PREM (3 /21) 
                                     
 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 Mastercard, Student Mastercard, Secure d 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 p ronouns in the plural. 
You, as the borrower, under a Credit Line Account ("Accoun t"), understand that the following Federal Disclosure  Statement and the terms and conditions found herein  
constitute Our Agreement with You. Your Account may be a ccessible through a variety of means which could inc lude advance request forms, vouchers, convenience che cks, 
charge slips, credit cards, telephone access, persona l 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 auth ority for 
use of Your Account, including Finance Charges and o ther fees or charges described herein. You may termina te the use of Your Account by an authorized user by preventing 
the use of any Account access device (such as a Cred it 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 pri or approval. 
PRODUCTS 
Your Account has products which may include Masterca rd, Student Mastercard, Secured Mastercard, Premier Privileg es Rewards Mastercard, Overdraft Line of Credit, and 
Premier Line of Credit. 
Product Variable Rate Daily 
Periodic Rate Annual 
Percentage Rate Index Margin 
_____________________________ ____________ ____________ _______________% _______________% 
Product Introductory 
Daily 
Periodic Rate Introductory 
Annual 
Percentage Rate 
_____________________________ _______________% _______________% 
TRANSACTIONS/ADVANCES 
Whenever You request a transaction or an advance, We m ay require You to prove 
Your identity. If You request an advance by telephon e, 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. Whe n the amount advanced 
appears on a subsequent statement, that will be conc lusive evidence of Your 
telephone request. Advances for all products (excep t for Credit Card purchases and 
except for Credit Card cash advances made at Premier Ame rica Credit Union office 
locations) are subject to a minimum of $100.00. 
SECURITY 
As permitted by law, to secure all transactions und er this Agreement in either joint or 
individual Accounts, We have the right to impress a nd enforce a statutory lien against 
Your shares on deposit with Us (other than those de posits 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 th e extent that You owe on any unpaid 
balance on Your Account and We may enforce Our righ t 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 dwellin g) 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 U s, 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 a ll 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 th at 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 a nd returning any access 
devices. To be certain that Your entire balance and a ll 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 Accou nt.   
You will keep Your unpaid balance within the credit l imits set by Us, and You will pay 
any amount over the credit limits on Our demand wheth er or not We authorize the 
advances which caused You to exceed Your credit limi ts.  
For Credit Cards, Your available credit will be reduced by pending transactions that 
have not yet been posted to Your Account. Such a "hol d" 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 da ys. In the event that a 
transaction posts for an amount that is different tha n a pending transaction, Your 
available credit will still be reduced by an amount t hat corresponds to the related 
pending transaction for up to 10 business days. 
JOINT ACCOUNTS 
Each borrower will be responsible, jointly and severall y, 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 t hat any such Account 
access device(s) will be mailed only to the primary b orrower(s) at the current address 
of record at the Credit Union.  We may refuse to follo w any instructions which run 
counter to this provision. 
FINANCE CHARGES (EXCEPT CREDIT CARDS) 
The balances subject to the periodic Finance Charge a re 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 applica ble fees, and subtract any 
payments, credits and unpaid Finance Charges and lat e fees. The Finance Charge is 
computed by multiplying the Daily Periodic Rate by t he daily ending balance 
outstanding for each day of the billing cycle. The d aily 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  Copyright Oak Tree Business Systems, Inc., 2014-2021. All Right s Reserved. Page 4 of 7                 OTBS 016 FRB Web PREM (3 /21) 
                                     
 is computed by applying the Daily Periodic Rate to t he 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, bal ance transfers, cash 
advances, insurance premiums, debit adjustments and any applicable fees, and 
subtract any payments, credits and unpaid Finance Ch arges or Late Fees. Then, 
We add up all the daily balances for the billing cyc le and divide them by the number 
of days in the billing cycle which We multiply by t he Daily Periodic Rate. These daily 
Finance Charges are then added together and the sum i s the amount of Your total 
new Finance Charge due. 
You can avoid Finance Charges on purchases by paying t he full amount of the entire 
balance owed each month within 25 days of Your statem ent closing date. Otherwise, 
the new balance of purchases, and subsequent purchas es 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 introducto ry Daily Periodic Rate as set 
forth herein for the initial six-month period. Upon t he expiration of the introductory 
rate period, Your Daily Periodic Rate will increase to the non-introductory Daily 
Periodic Rate (corresponding to the non-introductory A nnual Percentage Rate) as 
also set forth herein. 
Your Student Mastercard is subject to a discounted int roductory 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 i ncrease to the non- introductory 
Daily Periodic Rate (corresponding to the non-introducto ry Annual Percentage Rate) 
as also set forth herein. 
Your Secured Mastercard is subject to a Daily Periodic Ra te, 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 initi al six-month period. Upon the 
expiration of the introductory rate period, Your Daily Peri odic Rate will increase to the 
non-introductory Daily Periodic Rate (corresponding to the  non-introductory Annual 
Percentage Rate) as also set forth herein. 
VARIABLE RATE  
(EXCEPT PREMIER PRIVILEGES REWARDS MASTERCARD) 
Except Premier Privileges Rewards Mastercard, all a dvances are subject to a 
Variable Rate which is based on the Prime Rate as p ublished 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 Margi n equals the Interest Rate. 
Changes in the Index will cause changes in the Inte rest 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 d ecreases in the Finance Charge 
and will affect the number of regularly scheduled p ayments that You will be 
required to make. There is no limit on the amount b y which Your Interest Rate 
can increase. 
VARIABLE RATE (EXCEPT CREDIT CARDS) 
Your Account is subject to a Variable Rate which is b ased on the Prime Rate as 
published in the Money Rates Section of The Wall St reet Journal on the last day of 
Your previous billing cycle ("Index") plus Our Margi n. 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. 
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 a ssociated with the use of Your 
Account: (a) for Credit Cards, the greater of 3.00% of t he transaction or $3.00 for 
each cash advance obtained; (b) for Credit Cards, to t he extent permitted by 
applicable law, the greater of $250.00 or actual cost s 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 Lim it by: (i) $500.00; or (ii) an amount that causes Your balance to exceed 120 perc ent 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 r epay Your Account or make 
larger payments on Your Account at any time without p enalty. You also understand 
that You will be charged periodic Finance Charges to t he 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 col lection 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 wi ll be reduced by subsequent 
payments and will not be added to the principal bala nce. You understand that any 
delay in the repayment of Your unpaid balance will inc rease Your periodic Finance 
Charges and any acceleration in the repayment of Your un paid balance will decrease 
Your periodic Finance Charges. 
Your payment is due on the payment due date as disc losed on Your monthly statement. 
You may elect to make Your payment by automatic tra nsfer 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 payme nt on the payment due date. 
For all products (except Credit Cards), Your payment wi ll be 2.00% of Your new 
unpaid balance at the end of each billing cycle plu s 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 even t will be subject to the lesser 
of $20.00 or Your balance. 
Credit Card payments will be 3.00% of Your new unpaid b alance 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 ap proved credit limit. Your 
payment in any event will be subject to the lesser o f $15.00 or Your balance. 
OVERDRAFT PROTECTION 
You agree that We may transfer funds in multiples o f $100.00 (or in such increments as 
We may from time to time determine) to Your checkin g account by an advance on the 
account product designated on Your Overdraft Protec tion Application/Sign-Up Card to 
clear any overdraft on Your checking account. In an y 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 defau lt. 
PERIODIC STATEMENTS 
On a regular basis, You will receive a statement show ing all transactions on Your 
Account including amounts paid and borrowed since You r last statement. We will mail 
You a statement each month in which there have been a ny 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 actio n 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 pa yment or perform any obligation 
required under any other agreement that You may have wi th Us, including but not 
limited to loan agreements, credit line agreements, de bt instruments and the like; 
or (b) You do not make any payment or perform any obligat ion 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 an d/or in Your representations to 
us while You owe money on Your Account; or (e) a judgmen t or tax lien should be 
filed against You or any attachment or garnishment sho uld be issued against any 
of Your property or rights, specifically including an yone starting an action or 
proceeding to seize any of Your funds on deposit wit h Us; and/or (f) We should, in 
good faith, believe Your ability to repay Your indebted ness 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, de clare the entire unpaid balance of 
Your Account immediately due and payable, set-off a ny money owed Us in accordance 
with the terms of said Agreement and require the re turn 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 wh at 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 Ac count is in default.  Copyright Oak Tree Business Systems, Inc., 2014-2021. All Right s Reserved. Page 5 of 7                 OTBS 016 FRB Web PREM (3 /21) 
                                     
 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 defaul t, the Margin applicable to 
Your entire balance existing at that time and in th e 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 a greement 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 in dicating full satisfaction of the 
unpaid balance without losing any of Our rights unde r this Agreement. Any 
compromise in, or the reduction of, amounts owed unde r this Agreement must be 
previously agreed to in writing by an authorized employ ee of the Credit Union. If any 
provision of this or any related agreement is determi ned 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 collect ion costs, including reasonable 
attorneys' fees, to Your Account balance on which Fina nce 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 fe es 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 Disc losure - Federal Truth-In-Lending 
Act," "Truth-In-Savings Disclosure and Agreement" or "Sc hedule of Fees" which is 
delivered together with this Agreement or separately be comes 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 Tru th-In-Lending Act. To the extent 
permitted by law, the right to change the terms of t his Agreement includes, but is not 
limited to, the right to change the periodic rate appl icable to Your unpaid balance 
and/or future advances. 
UPDATING AND DISCLOSING FINANCIAL INFORMATION 
You will provide facts to update information containe d in Your original application or 
other financial information related to You, at Our requ est. You also agree that We 
may, from time to time, as We deem necessary, make i nquiries pertaining to Your 
employment, credit standing and financial responsibil ity 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 a gency having any apparent 
legitimate business need for such information. 
You agree to provide Us, upon Our request, with a cur rent financial statement or 
other current credit information that meets Our require ments. You understand and 
agree that if We request such information, that We ma y, at Our sole option, refuse 
to make further advances on Your Account until such ti me as We have received the 
requested information. If You fail to furnish the requ ested information in a timely 
fashion We may, at Our option, and without further n otice to You, declare Your 
Account to be in default. 
TERMINATION 
Either You or We may cancel Your Account at any time, w hether 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 inconsis tent instructions regarding 
Account termination from different parties to Your Acc ount, We may, at Our sole 
option and without further notice to any other party, t erminate 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 Y our Account.  You will, in any 
case, remain liable to pay any unpaid balances acco rding 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 t o the extent permitted by 
applicable law, electronic communications regarding th e 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 no t limited to, loan accounts, credit 
line accounts, and credit card accounts. These electro nic communications are 
sometimes referred to as "transactional or relationship messages." 
You authorize Us to contact You using any wireless, cel lular, mobile or other 
telephone number You have provided to Us on Your member ship application, and 
at any wireless, cellular, mobile or other telephone n umber You may furnish to Us 
or We obtain for You in the future. To the extent perm itted by law, We may contact 
You using any electronic means We choose, which may i nclude but is not limited 
to, voice messages, text messages and other similar  electronic methods of 
communication. If You have furnished Us with any e-ma il address(es), You 
understand and agree that We may send You e-mail messa ges regarding Your 
Account(s) with Us from time to time. If You have ex ecuted or subsequently execute 
any separate Disclosure and Consent to Receive Electro nic Documentation or 
similar form, any communications covered by such Di sclosure and Consent shall 
be subject to the terms and conditions set forth in that document. 
You understand that the nature of electronic communica tions 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 o r relationship messages from 
Us, and You agree that any person or party sending o r 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, i nitiate telephone calls to 
any residential line (wireline service), cellular tel ephone 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, preve nt fraud, collect any 
amounts owed to Us by You, and otherwise conduct Ou r business with You. If 
You furnish Us with one or more cellular telephone numb ers in connection with 
Your Account, You represent You are or will be the cellu lar 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 c ellular telephone, internet, 
or other digital or electronic service to which You sub scribe, and You 
understand and agree that You are solely responsible fo r the payment of any 
such charges. 
ARBITRATION AND WAIVER OF CLASS ACTION 
This provision does not apply to covered-loans extende d 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 borrowe r, 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 rec eive 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 t he Credit Union has  
provided, will provide or has offered to provide to Y ou, 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 an y credit that is secured by Your 
principal dwelling. If that cannot be done, then Yo u 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 provisio n ("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 procedure s for consumer disputes 
("Rules"), whether such Claims are in contract, tort,  statute, or otherwise. The Rules  Copyright Oak Tree Business Systems, Inc., 2014-2021. All Right s Reserved. Page 6 of 7                 OTBS 016 FRB Web PREM (3 /21) 
                                     
 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 op tion 0 or emailing 
info@premieramerica.com. Either You or the Credit Un ion may elect to resolve a 
particular Claim through arbitration, even if one of U s 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 oth er 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 ARBI TRATION, 
YOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT O R DEFEND 
YOUR RIGHTS UNDER THIS LOAN NOTE AGREEMENT (EXCEPT FOR CLAI MS 
BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDIC TION, SO 
LONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT). This Arb itration 
Agreement shall be interpreted and enforced in accordan ce 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, regar dless 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 rev iew or consideration by a 
federal, state, or local governmental agency or entit y, 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 arbitrato r.  The 
arbitrator shall be selected in accordance with the  Rules, and must have 
experience in the types of financial transactions a t issue in the Claims. In the 
event of a conflict between the Rules and this Arbi tration Agreement, this 
Arbitration Agreement shall supersede the conflicti ng 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, th en 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 o f 
Your residence at the time the arbitration is commenced . Any claims and defenses 
that can be asserted in court can be asserted in the a rbitration. 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 avai lable 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 Cl aim in the arbitration, in 
which case, We will pay Your attorneys' fees. Howeve r, if the Credit Union prevails, 
then You will not be required to pay Our attorneys' f ees 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 a rbitrator, including without limitation 
any issues relating to whether a Claim is subject to arbitration; provided, however, 
the enforceability of the Class Action Waiver set fo rth 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 AR E WAIVING 
THE RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLAS S 
MEMBER IN A CLASS ACTION LAWSUIT.     
Severability.  In the event the Class Action Waiver in this Arbitra tion Agreement is 
found to be unenforceable for any reason, the remaind er of this Arbitration Agreement 
shall also be unenforceable. If any provision in thi s 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, prov ided You 
notify the Credit Union of Your intent to do so with in 60 days after it is provided to 
You. Your opt-out is only effective if You notify th e 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 an d Member Number in  
such written notice. If You fail to opt-out within t his 60 day period, You will be 
deemed to have consented to the resolution of Your C laims through binding 
arbitration. In the event You opt-out, it shall not  affect other terms and conditions of 
Your Account Agreement. 
FOR MORE DETAILS or if You have questions, You may cal l the Credit Union or visit 
a branch. If You have questions about AAA procedures, Yo u 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 An d Disclosure by signing the 
application for Your Account; by signing this Agreeme nt 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, AND PREMIER 
PRIVILEGES REWARDS MASTERCARD CREDIT CARDS 
USE OF YOUR CARD 
You may use Your Card to buy goods and services in a ny place that the Card is 
honored and to get cash advances from participating A TMs. 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, Yo u agree not to utilize Your Credit 
Card accounts for the purchase of any goods or service s 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 c ommerce transaction conducted 
over an open network, and any betting transaction in cluding the purchase of lottery 
tickets or casino gaming chips or off-track betting o r wagering. However, in the event 
that a charge or transaction described in this paragrap h is approved and processed, 
You will still be responsible for such charges. 
OWNERSHIP 
All Account access devices remain Our property and m ay 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 an d consent to a lien on 
Your savings, checking and certificate accounts with U s (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 Mac hines (ATMs) and/or any other 
participating programs. This PIN is confidential and s hould 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 P IN constitutes an Electronic 
Fund Transfer, the terms and conditions of Your Electr onic 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 MILEAGE PROGRAM 
Premier Privileges Rewards Mastercard Accounts in good st anding will earn Premier 
Privileges Rewards Points based on signature based purch ases made on Your 
Account. The details of the Premier Privileges Platinum A wards feature of Your 
Premier Privileges Rewards Mastercard will be disclosed t o You separately. 
REFUSAL TO HONOR CONVENIENCE CHECKS OR CREDIT CARDS 
We are not liable for the refusal or inability of mer chants, financial institutions or others 
to accept convenience checks or Credit Cards, or elec tronic 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 pa ying a convenience check 
Your Account balance would exceed Your credit limit; (2 ) Your convenience check or 
payment check is postdated; (3) Your Cards or convenienc e checks have been 
reported lost or stolen; (4) Your Account has been can celled or has expired. 
If a postdated convenience check is paid and as a re sult any other convenience check 
is returned or not paid, We are not responsible. Any co nvenience check that is 
returned by Us unpaid will be subject to a returned c heck 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  Mastercar d, as is applicable, from the 
range of rates available in wholesale currency mark ets for the applicable central 
processing date, which rate may vary from the rate Mastercard, as is applicable, 
itself receives; or (b) the government-mandated rat e 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. Transactio ns initiated via the internet  Copyright Oak Tree Business Systems, Inc., 2014-2021. All Right s Reserved. Page 7 of 7                 OTBS 016 FRB Web PREM (3 /21) 
                                     
 with merchants or other parties located outside of the United States of America 
are deemed to occur in the foreign country where th e merchant or other party 
is located . 
TRANSACTION SLIPS 
Your monthly statement will identify the merchant, e lectronic terminal or financial 
institution at which transactions were made, but sal es, 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 (8 00) 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 orall y or in writing at the address or 
telephone number shown in this Agreement, of the lo ss, theft, or possible unauthorized 
use. In any case, Your liability will not exceed $5 0.00. 
CREDITS 
If a merchant who honors Your Card gives You credit f or 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 Y our 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 respon sibilities 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, f or 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 erro r. 
� Description of problem: If You think there is an error on Y our 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 statem ent.  
� At least three business days before an automated paym ent is scheduled, 
if You want to stop payment on the amount You think i s 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 t ell 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 e ither correct the error                   
 or explain to You why We believe the bill is correct.  
While We investigate whether or not there has been an e rror: 
� 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, a nd 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 Lim it. 
After We finish Our investigation, one of two things wi ll happen: 
� If We made a mistake: You will not have to pay the a mount in question or                       
any interest or other fees related to that amount. 
� If We do not believe there was a mistake: You will h ave 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. W e may then report You 
as delinquent if You do not pay the amount We think  You owe. 
If You receive Our explanation but still believe Your bill is wrong, You must write to Us 
within 10 days telling Us that You still refuse to pa y. If You do so, We cannot report 
You as delinquent without also reporting that You are q uestioning 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 be en settled between Us. If We do 
not follow all of the rules above, You do not have t o 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 t hat You have purchased with Your 
Credit Card, and You have tried in good faith to correc t the problem with the merchant, 
You may have the right not to pay the remaining amount  due on the purchase. To use 
this right, all of the following must be true: 
1) The purchase must have been made in Your home sta te or within 100 miles of 
Your current mailing address, and the purchase price m ust have been more than 
$50.00. (Note: Neither of these are necessary if Your pur chase was based on 
an advertisement We mailed to You, or if We own the company that sold You 
the goods or services.) 
2) You must have used Your Credit Card for the purchase . Purchases made with 
cash advances from an ATM or with a check that acces ses 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 d issatisfied 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 di sputed amount as discussed 
above. After We finish Our investigation, We will te ll You Our decision. At that point, 
if We think You owe an amount and You do not pay, We  may report You as delinquent.