DEFAULT: I will be in default if 1) I do not pay on time or in 
the proper amount; 2) I fail to abide by the terms of this 
Agreement or any other agreement I have with you; 3) I 
make any false or misleading statements in any credit 
application or update of information; 4) I die, become 
insolvent or am the subject of bankruptcy or receivership 
proceedings; 5) something happens which you believe 
substantially reduces my ability to repay.
ACCELERATION AND COLLECTION COSTS: If I am in 
default, you may demand immediate payment of the unpaid 
balance, Finance Charges, late charges, annual fees, 
overlimit fees and collection costs. I understand that I may 
be subject to Finance Charges (at the applicable Periodic 
Rate), late charges, annual fees, overlimit fees and collection 
costs under the terms disclosed in this Agreement, until I 
repay my entire balance. I also agree to pay your reasonable 
attorney’s fees, and court costs.
RESPONSIBILITY: I agree to repay you according to the 
terms of this Agreement for all Purchases, Cash Advances, 
Finance Charges, late charges, annual fees and overlimit 
fees, if any, arising from the use of the account by me or any 
other person I permit to use my account, even if that person 
exceeds my permission. I understand that once I authorize 
any person to use this account, this authorization will be in 
force, until I revoke this authorization in writing to you. Any 
person using the account is jointly and severally responsible 
with me.
UNAUTHORIZED USE: I may be liable for the unauthorized 
use of my card. I will not be liable for unauthorized use that 
occurs after I notify you at 1 (877) 875-8092, or in writing at 
Cardholder Services P.O. Box 29100, Glendale, CA 
91209-9100, of the loss, theft or possible unauthorized use. 
If I notify you of the lost or stolen card, I will not be liable for 
any losses. This liability exclusion will apply provided I am 
not grossly negligent or fraudulent in handling of my card; 
otherwise my liability will not exceed $50.00.
TERMINATION: I can cancel my Account at any time by 
returning to you my Card, along with a letter requesting that 
you cancel my Account. You may cancel this Agreement at 
any time. However, my obligation under this Agreement and 
any charges made under it prior to cancellation will continue 
to apply until I have paid you all the money I owe on the 
Account according to the terms of this Agreement.
TRANSACTION SLIPS: My statement will identify the merchant, 
electronic terminal or financial institution at which transactions 
were made, but sales, Cash Advances, credit or other slips 
cannot be returned with the statement. I will retain the copy of 
such slips furnished at the time of the transaction in order to 
verify my monthly statement. You may make a reasonable 
charge for any photostatted copies of slips I request.
PLAN MERCHANT DISPUTES: You are not responsible for 
the refusal of any plan merchant or financial institution to 
honor my card. You are subject to claims and defenses 
(other than tort claims) arising out of goods or services I 
purchase with the card only if I have made a good faith 
attempt but have been unable to obtain satisfaction from the 
plan merchant, and (a) my purchase was made in response 
to an advertisement you sent or participated in sending me; 
or (b) my purchase cost more than $50.00 and was made 
from a plan merchant in my state or within 100 miles of my 
current mailing address. Any other dispute I must resolve 
directly with the plan merchant.

FOREIGN TRANSACTIONS (ISA fee): When I use my card 
for a foreign transaction, the transaction amount may be 
converted into U.S. dollars by applying an exchange rate 
selected by VISA from among the range of rates available in 
wholesale currency markets or the government-mandated 
rate on the date the transaction is processed. The rate 
chosen may vary from the rate VISA itself receives.
A fee equal to 1% of the transaction amount is added to each 
international transaction. For example if your international 
transaction resulted in US $100, the fee would be $1.00.
RETURNS AND ADJUSTMENTS: Merchants and others 
who honor the Card may give credit for returns or adjust-
ments, and they will do so by sending you a credit slip which 
you will post to my account. If my credits and payments 
exceed what I owe you, you will hold and apply this credit 
balance against future Purchases and Cash Advances, or if 
it is $1.00 or more, refund it on my written request or 
automatically after six (6) months.
OWNERSHIP OF CARDS: Any card or other device, which 
you supply to me is non-transferable and is the property of 
you. You may repossess any and all cards at any time at 
your sole discretion without demand or notice. All cards must 
be returned to you, or to any person whom you authorize to 
act as your agent, or any person who is authorized to honor 
the cards according to instructions.
TERMINATION OF CARD PRIVILEGES: If my card 
privileges are terminated, I must immediately surrender all of 
my Cards. Termination of Card privileges does not affect any 
rights and obligations for transactions made with the Card 
before the privileges were terminated.
SURRENDER OF CARD(S): The Card(s) remains your 
property and, if you request, I must surrender to you all cards 
you have issued on my account.
LOST OR STOLEN CARDS: To report lost or stolen card(s), 
the Account Number, PIN or any combination of the three, I 
will call you at 1 (877) 875-8092.
PAYMENTS MARKED “PAID IN FULL”: You may accept 
checks, money orders, or other types of payment marked 
“payment in full” or use other language to indicate full 
satisfaction of any indebtedness, without being bound by 
such language or waiving any right under this Agreement. 
You shall accept full satisfaction of indebtedness only in a 
written agreement, signed by your authorized representative.
DELAY IN ENFORCEMENT: You can delay in enforcing any 
of your rights under this Agreement without losing them.
GOVERNING LAW: I understand and agree that 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 controlling Federal law. I also 
understand that California’s choice of law rules shall not be 
applied if they would result in the application of non 
California law.
FORCE MAJURE: You are not liable for failing to act or delay 
in acting if such failure or delay is caused by legal constraint, 
interruption of transmission or communication facilities, 
equipment failure, war, emergency conditions, terrorist action, 
Act of God or other circumstances beyond your control.
CHANGE OF NAME, ADDRESS and EMPLOYMENT STATUS:  
I understand that I must report to you any change in my 
name, address or employment status within sixty (60) days 
of such change.

CHANGE OF TERMS: This Agreement is the contract which 
applies to all transactions on my account even though the 
sales, Cash Advances, credit or other slips I sign or receive 
may contain different terms. I understand that you may 
amend, modify, add to, or delete from this Agreement any of 
its terms and conditions, including the method of application 
and the amount of Finance Charge, effective as to any 
unpaid balance outstanding and any subsequent advance by 
mailing a notice of the change to me at my last known 
address. I also understand that any such notice will be 
mailed at least Forty Five (45) days prior to the effective date 
of the change as required by Federal or other law. Notice of 
change in terms is required, but may be sent as late as the 
effective date of the change where the change has been 
agreed to, in writing by me.
STATEMENTS: With certain exceptions, CCU provides 
account holders with statements listing the account 
transactions. I agree to examine my statements as soon as I 
receive them. 
I assume full responsibility for monitoring and reviewing the 
activity of my account and the work of my employees, 
agents, and accountants.
I agree to notify you immediately if I think there is an error or 
an unauthorized transaction shown on my statement. Unless 
I notify us promptly, you will assume the statement is correct. 
If you send me a statement or item which contains or 
discloses an erroneous debit, unauthorized or missing 
signature or an alteration, I must notify you promptly of that 
fact, but no later than 60 days after you mail or deliver the 
item or statement to me. For these purposes, statements will 
be deemed to have been mailed on the first business day 
following the statement date. I further agree that if I fail to 
report any erroneous debit, unauthorized or missing 
signatures or an alteration within this time frame I cannot 
assert a claim against CCU on any items or transactions in 
that statement, and thereafter by the same wrongdoer, and 
as between me and CCU the loss will belong entirely to me. 
This 60-day limitation is without regard to whether you did or 
did not use ordinary care.
My statements and notices will be mailed to the last address 
you have on file for the account. If my signature card 
indicates that statements and notices are to be held by you, 
you may mail them to the last address on file for the account 
if they are not picked up within 90 days. If two consecutive 
statements and/or notices are returned to CCU by the Postal 
Service for any reason, you may hold subsequent state-
ments and notices of every kind until we receive forwarding 
information from me and you may destroy such statements 
and notices if I do not claim them within one (1) year from 
the date of mailing.
If I do not receive my scheduled statement, it is my obligation 
to notify you of that fact.
RELEASING ACCOUNT INFORMATION: I authorize you to 
release information regarding the current status and history 
of my account to others. You may release information:  
(1) where it is necessary or helpful to complete a transaction; 
(2) to verify the existence and condition of your account for a 
third party, such as a merchant or another financial institution; 
(3) to comply with the law or a court order; (4) when an 
inquiry is made regarding whether my account has sufficient 
funds to cover a check drawn on my account, (5) with my 
authorization; and (6) for other legitimate business purposes.

CCU, from time to time, enters into agreements with third 
parties to provide bank related services for the CCU. The 
services provided by the third parties may include check-pro-
cessing services, data processing services or other 
bank-related services. I authorize you to release information 
regarding my account to such third-party services providers 
in connection with the service providers providing bank 
related services for CCU.
CREDIT INFORMATION: I authorize you to investigate my 
credit standing when opening, renewing or reviewing my 
account, and I authorize you to disclose information 
regarding my account to credit bureaus and other creditors 
who inquire about my credit standing to the extent authorized 
by law. If I dispute credit information you are reporting about 
me, I may notify you at Attn: Credit Department, P.O. Box 
29100, Glendale, CA 91209-9100 or call you at 1 (877) 
875-8092.
NEGATIVE CREDIT REPORTING: CCU may report 
information about my account to credit bureaus. Late 
payments, missed payments, or other defaults on my 
account may be reflected in my credit report.
NOTICE: See the statement below for important 
information regarding right to dispute billing errors.
COPY RECEIVED: By activating and/or using my Card or 
allowing an authorized user to use my Card, I acknowledge 
receipt of a copy of this Agreement and Federal Truth-In-Lend-
ing Disclosure Statement and agree to and accept its terms.

YOUR BILLING RIGHTS
(Keep this Notice for future use)
This notice contains important information 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, write us at:

California Credit Union
PO Box 182477 
Columbus, OH 43272-4935

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 the problem: If you think there is an error 
on your bill, describe what you believe is wrong and why 
you believe it is a mistake.

You must contact us:

•  Within 60 days after the error appeared on your statement
•  At least 3 business days before an automatic 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.
After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the 

amount in question or any interest or other fees related 
to that amount

•  If we do not believe there was a mistake: You will have 
to pay the amount in question, along with applicable 
interest and fees We will send you a statement of the 
amount you owe and the date payment is due We may 
then report you as delinquent if you do not pay the 
amount we think you owe

If you receive our explanation but still believe your bill is 
wrong, you must write to us within 10 days telling us that you 
still refuse to pay If you do so, we cannot report you as 
delinquent without also reporting that you are questioning 
your bill We must tell you the name of anyone to whom we 
reported you as delinquent, and we must let those organiza-
tions know when the matter has been settled between us
If we do not follow all of the rules above, you do not have to 
pay the first $50 of the amount you question even if your bill 
is correct
Your Rights If You Are Dissatisfied With Your Credit 
Card Purchases
If you are dissatisfied with the goods or services that you 
have purchased with your credit card, and you have tried in 
good faith to correct the problem with the merchant you may 
have the right not to pay the remaining amount due on the 
purchase.
To use this right, all of the following must be true:

1.  The purchase must have been made in your home 
state or within 100 miles of your current mailing 
address, and the purchase price must have been 
more than $50. (Note: Neither of these are necessary 
if your purchase was based on an advertisement we 
mailed to you, or if we own the company that sold you 
the goods or services.)

2.  You must have used your credit card for the pur-

chase. 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 dissatis-
fied with the purchase, contact us in writing at:

California Credit Union
PO Box 182477 
Columbus, OH 43272-4935
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 
the amount and you do not pay, we may report you as 
delinquent.

FEB. 2016

Premium Visa

Elite Rewards Visa

and/or School Rewards Visa

AGREEMENT AND FEDERAL  

TRUTH-IN-LENDING  

DISCLOSURE STATEMENT

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How We Will Calculate Your Balance: We use a 
method Called “average daily balance (including new 
purchases). See your account agreement for more 
details.
Billing Rights: Information on your rights to dispute 
transactions and how to exercise those rights is 
provided in your account agreement.
CARD MEMBER AGREEMENT
In this Agreement and Disclosure Statement the words “I”, 
“me”, and “my” mean each and all of those who apply for or 
use California Credit Union Premium Visa, Elite Rewards 
Visa, and/or School Rewards Visa. “You”, “your”, and “yours” 
mean California Credit Union (CCU). “Card” means the 
Premium Visa, Elite Rewards Visa, and/or School Rewards 
Visa issued to me and any duplicates you may issue. 
“Account” means my Premium Visa, Elite Rewards Visa, 
and/or School Rewards Visa with you.
By requesting and receiving, signing or permitting others to 
use a Premium Visa, Elite Rewards Visa, and/or School 
Rewards Visa issued to me by California Credit Union, I 
agree to the following terms and conditions and any 
amendments thereto:
MEMBERSHIP IN THE CREDIT UNION: I must qualify for 
and become a member of CCU. You reserve the right to 
close my account(s) if my membership in CCU terminates. I 
agree that at your option you may suspend my rights to 
member services if I violate the terms of this agreement or 
any other agreement with me, or if I cause a loss to CCU.
Notice: This Document Contains Provisions For a Variable 
Annual Percentage Rate.
The Monthly Periodic Rate is determined by dividing The 
Annual Percentage Rate (determined as set forth below) by 
12 and will change when the Annual Percentage Rate 
changes. The Monthly Periodic Finance Charge for each 
billing cycle will be the sum of the Monthly Periodic Finance 
Charge on my “Purchase” Balance and the Monthly Periodic 
Finance Charge on my “Cash Advance” Balance and cash 
advance transaction fees (see explanation below) for the 
billing cycle. The Monthly Periodic Finance Charge on my 
Purchases Balance is calculated by multiplying the Average 
Daily Balance for Purchases (see explanation below) on my 
account for the billing cycle by the applicable Monthly 
Periodic Rate. The Monthly Periodic Finance Charge on my 
Cash Advances Balance is calculated by multiplying the 
Average Daily Balance for Cash Advances (see explanation 
below) on my account for the billing cycle by the applicable 
Monthly Periodic Rate.
HOW YOU DETERMINE CHANGES IN MY ANNUAL  
PERCENTAGE RATE: The Annual Percentage Rate may 
increase or decrease on the first day of each monthly billing 
cycle (the “Adjustment Date”) during the term of this 
Agreement. Any such change will be based on an increase 
or decrease of the most recent “Prime Rate” as published by 
the Wall Street Journal and available as of the first Tuesday 
of the calendar month prior to the Adjustment Date (herein 
“Index”). If more than one rate is listed under the heading 
“Prime Rate” in the Wall Street Journal, you shall use the 
lowest rate for purposes of calculating the Index. In the event 
that the Wall Street Journal ceases publishing the “Prime 
Rate”, changes in the Annual Percentage Rate will be related 
to a comparable Index.

For example, the Index in effect on the first Tuesday in 
January shall be used to calculate the Annual Percentage 
Rate effective as of the first day of the next billing cycle in 
February of the same year. The Index in effect on the first 
Tuesday in February shall be used to calculate the Annual 
Percentage Rate effective as of the first day of the next 
billing cycle in March of the same year, and so forth. The 
maximum Annual Percentage Rate during the term of this 
Agreement may not exceed the maximum Annual Percentage 
Rate permitted for California state chartered credit unions at 
the time of each Annual Percentage Rate change. Decreases 
in the Annual Percentage Rate in accordance with the terms 
of this Agreement are mandatory. Increases in the Annual 
Percentage Rate in accordance with the terms of this 
Agreement are at your discretion. If the Annual Percentage 
Rate and corresponding Monthly Periodic Rate increases or 
decreases the Finance Charge will increase or decrease and 
the number of payments required to repay the unpaid 
balance may increase or decrease. Each change in the 
Annual Percentage Rate and the corresponding Monthly 
Periodic Rate will apply to any unpaid balance on the 
effective date of such change as well as to future purchases 
and advances.
CONDITIONS UNDER WHICH A FINANCE CHARGE WILL 
BE IMPOSED: The conditions under which a Finance 
Charge will be imposed depend upon whether the 
transaction is a Cash Advance or a Purchase.
FINANCE CHARGE ON CASH ADVANCES: A Finance 
Charge will be imposed on the Cash Advances outstanding 
in my Account whenever the statement of the Billing Cycle 
being concluded (the “current statement”) reflects Cash 
Advances outstanding at any time during the Billing Cycle. 
You will charge a Finance Charge on my Cash Advances 
from the date they are posted to my Account.
BALANCE TRANSFER FEE: You will assess a Balance 
Transfer Fee for balance transfers. For each of these 
balance transfers, you will add a Finance Charge equal to 
2.0% of the balance transfer amount, but not less than $5. 
This Finance Charge will be added to the balance transfer 
balance on my Account.
The Finance Charge on Balance Transfers consists of i) 
Balance Transfer Fees and ii) interest computed at a Monthly 
Periodic Rate. The Annual Percentage Rate for all outstanding 
indebtedness and new balances relating to Balance Transfers 
is the same as the purchase rate for transactions. The 
current Monthly Periodic Rate and the Annual Percentage 
Rate for Balance Transfers transactions is the same as the 
purchase rate for your card. This rate is subject to increase 
or decrease monthly in accordance with changes in the 
Prime Rate, as set forth in more detail in the paragraph 
above on Prime Rate Adjustments. An increase may result in 
a higher minimum monthly payment.
CASH ADVANCE TRANSACTION FEE: You will assess a 
Cash Advance Transaction Fee for ATM and bank Cash 
Advances, and for use of convenience checks and other 
credit instruments or devices intended for my use in 
obtaining Cash Advances. For each of these Cash Advances, 
you will add a Finance Charge equal to 3.0% of the Cash 
Advance amount, but not less than $5. This Finance Charge 
will be added to the Cash Advance balance on my Account.
The Finance Charge on Cash Advances consists of i) Cash 
Advance Transaction Fees and ii) interest computed at a 

Monthly Periodic Rate. The Annual Percentage Rate for all 
outstanding indebtedness and new balances relating to Cash 
Advances is the same as the purchase rate for transactions. 
The current Monthly Periodic Rate and the Annual Percentage 
Rate for cash advance transactions is the same as the 
purchase rate for your card. This rate is subject to increase 
or decrease monthly in accordance with changes in the 
Prime Rate, as set forth in more detail in the paragraph 
above on Prime Rate Adjustments. An increase may result in 
a higher minimum monthly payment.
FINANCE CHARGE ON PURCHASES: Whenever any 
portion of the amount shown as the Previous Balance in the 
current statement remains unpaid after the due date shown 
on the previous statement, a Finance Charge will be 
imposed on the Purchases reflected in the New Balance on 
my current statement.
However, any new Purchases that are reflected for the first 
time on my current statement will not be subject to a Finance 
Charge during the Billing Cycle reflected in the current 
statement if: (a) I have no Previous Balance on my current 
statement (b) the payments and credits received by you are 
at least equal to the Previous Balance that appears on my 
current statement. All other new Purchases will be “Purchases 
that are subject to a Finance Charge”.
You will charge a Finance Charge on the “Purchases that are 
subject to a Finance Charge” from the date they are posted 
to my Account. The minimum Finance Charge, if any, 
imposed on Purchases posted to the Account will not be less 
than $0.50.
The monthly Periodic Rate and the Annual Percentage Rate 
on Purchase Transactions in effect during any billing cycle is 
determined by adding a margin to the Prime Rate as set 
forth in more detail in the paragraph above on Prime Rate 
Adjustments.
DEFAULT RATE: Regardless of any other provision in your 
Agreement to the contrary (including any introductory or 
promotional rates), you may, when permitted by applicable 
law, impose a higher monthly Periodic Rate and correspond-
ing Annual Percentage Rate (a “Default Rate”) to my Account 
if I fail to pay the total amount due shown on my monthly 
statement by sixty days (60) after the payment due date. 
The Default Rate may vary, and is calculated by adding 19.90% 
to Wall street Journal prime rate to determine my current 
Annual Percentage Rate. The maximum default rate (CAP) 
is 23.15%. The Default Rate will take effect on the first day of 
the Billing Cycle that follows a Triggering Event (failure to pay 
the total amount due by sixty (60) days after the scheduled 
due date), and will apply to my outstanding balances in effect 
and any new Purchase and Cash Advance transactions. The 
Default Rate will remain in effect until I have paid six 
consecutive timely monthly payments immediately following 
the effective date of the increase (the “Default Rate Period”). 
HOW YOU DETERMINE THE AVERAGE DAILY BALANCE 
ON WHICH MY FINANCE CHARGE IS COMPUTED: We 
calculate the finance charge on your account by applying the 
periodic rate to the “average daily balance” of your account 
(including current transactions). To get the “average daily 
balance” we take the beginning balance of your account 
each day, add any new [purchases/advances/loans], and 
subtract any payments or credits, [and unpaid finance 
charges]. This gives us the daily balance. Then, we add up 
all the daily balances for the billing cycle and divide the total 

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by the number of days in the billing cycle. This gives us the 
“average daily balance.”
HOW YOU DETERMINE MY TOTAL FINANCE CHARGE:  
If payment in full was not received by you for the entire “New 
Balance” by the Payment Due Date, then you will calculate 
the Finance Charges on my account by applying the Monthly 
Periodic Rate to the “Average Daily Balance” on my account 
for Purchases and to the “Average Daily Balance” on my 
account for Cash Advances. If payment in full for the entire 
“New Balance” shown on my statement for the previous 
Billing Cycle was received by you by the Payment Due Date, 
I will not be subject to the Finance Charges on the “Purchases” 
portion (which consists of transactions related to purchases 
of goods and services) of my account for that Billing Cycle. 
This is known as a “Grace Period”. However, there is no 
“Grace Period” for Cash Advances. You will assess Finance 
Charges on the Cash Advance portion of my account from 
the date such Cash Advances are posted to my account until 
the date of payment (even if payment of the entire “New 
Balance” is received by you by the Payment Due Date). 
Then, you will take the sum of the Monthly Periodic Finance 
Charge on my Purchases balance and the Monthly Periodic 
Finance Charge on my Cash Advances balance for the 
billing cycle. This determines my total Finance Charge for 
the billing cycle. Actual Finance Charges will be shown on 
my periodic statement.
CASH BACK REWARDS (Applies to Elite Rewards Visa.): 
One percent (1%) of purchases (less returns) posted to my 
account each year will be rebated. BALANCE TRANSFERS 
and CASH ADVANCES are not eligible for this program. 
Rewards (rebates) are paid only on current accounts and 
awarded each year. Points may accumulate from one year to 
the next. Please review your program booklet for information 
on redeeming.
CASH BACK REWARDS (Applies to School Rewards 
Visa): One percent (1%) of purchases (less returns) posted 
to my account each year will be rebated. BALANCE 
TRANSFERS and CASH ADVANCES are not eligible for this 
program. Rewards (rebates) are paid only on current accounts 
and awarded each year. Rewards are redeemed and sent to 
the school of my choice once a year at your discretion.
SECURITY INTEREST (APPLIES ONLY TO SECURED  
ACCOUNTS): I grant you a security interest in my Share 
Savings Account as indicated on the Secured Account 
Authorization, and I understand that the interest in my Share 
Savings Account is required by you as a condition for 
granting me a Secured Account. I agree not to give anyone 
other than you an interest in my Share Savings Account. I 
agree not to permit any third parties, other than you, to make 
withdrawals from my Share Savings Account. I authorize you 
to place a hold on the account, and I agree that you may 
refuse to allow any withdrawal or payment from the Share 
Savings Account, if allowing the withdrawal or payment would 
cause the amount remaining in the Share Saving Account to 
fall below the credit limit or outstanding balance, whichever is 
higher. If I default, you may at any time thereafter and without 
advance warning to me apply all or part of my Share Savings 
Account balance to the satisfaction of amounts owed on my 
Account. If the balance in my Share Savings Account is not 
sufficient to repay the amounts owed on my Account, I agree 
to immediately pay the remaining balance.
PROMOTIONAL PROGRAMS: From time to time, you may 
offer a promotional Periodic Rate on all or a portion of Cash 
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Advance or Purchase balances in my Account (“Promotional 
Balances”). If I take advantage of a Promotional Balance 
Program, the resulting Promotional Balance will be subject to 
the terms of that specific promotional offer and this Agree-
ment. Any promotional Periodic Rate will apply to those 
Promotional Balances until the last day specified in the 
Promotional Balance offer, the date the Account is closed to 
future transactions, or the date the Account becomes subject 
to a Default rate as provided in this agreement (the “Termina-
tion Date”). Beginning on the first day of a Billing Cycle 
following the Termination Date, the Periodic Rate applied to 
Promotional Balances will be determined as described above 
the Section “How You Determine My Total Finance Charge.” 
In each Promotional Balance Program, any terms of the 
program not disclosed in this agreement (such as the Annual 
Percentage Rate, effective dates and any grace period) will 
be detailed in the Promotional Balance offer.
PAYMENT: I promise to repay you at your office all sums 
advanced to me or any person I permit to use this account 
on the terms and conditions set forth herein. Payments will 
continue until I have paid in full the unpaid balance, Finance 
Charges and any other fees and charges.
PREPAYMENT OR IRREGULAR PAYMENTS: Though I 
need only pay the Minimum Monthly Payment Due, I 
understand that I have the right to repay my balance at any 
time without penalty. I also understand I will only be charged 
Finance Charges to the date I repay my entire balance. I 
may make larger payments without penalty and this may 
reduce the total amount of Finance Charges that I will repay. 
Any partial payment of my balance will not advance my next 
payment due date(s). I understand that any payment that (a) 
delays or (b) accelerates the repayment of my unpaid 
balance will (a) increase or (b) decrease my Periodic 
Finance Charges.
MINIMUM MONTHLY PAYMENT: Every month, I must pay at 
least the Minimum Monthly Payment due by the Payment 
Due Date shown on my statement. I may, of course, pay 
more frequently, pay more, or pay the New Balance in full 
and I will reduce my periodic Finance Charge by doing so. 
The Minimum Monthly Payment will be either (a) 2% of my 
New Balance or $10.00, whichever is greater, or (b) my New 
Balance, if it is equal to or less than $10.00. In addition, I 
must pay any amount shown on my statement as past due 
and any late charge. Lastly, at any time my New Balance 
exceeds my Credit Limit, I must pay the excess as well as 
any Overlimit Charges.
I understand that my Payments are applied in the following 
order: a) unpaid Periodic Finance Charges on Promotions, 
b) the unpaid Periodic Finance Charge on Purchases, c) the 
unpaid Periodic Finance Charge on Cash Advances, d) the 
unpaid fees and charges, if any, e) the unpaid balances on 
Promotional Rates, f) the unpaid balance of Purchases, and 
g) the unpaid balance of Cash Advances.
DEFAULT MINIMUM MONTHLY PAYMENT: Regardless of 
any other provision in your Agreement to the contrary 
(including minimum monthly payment), you may, when 
permitted by applicable law, impose a higher monthly 
payment (a “Default Payment”) to my Account if I fail to pay 
the total amount due shown on my monthly statement by 
thirty days (30) after the payment due date. 
The Default Payment will be either (a) 3% of my New 
Balance or $10.00, whichever is greater, or (b) my New 

Balance, if it is equal to or less than $10.00. In addition, I 
must pay any amount shown on my statement as past due 
and any late charge. Lastly, at any time my New Balance 
exceeds my Credit Limit, I must pay the excess as well as 
any Overlimit Charges. The Default Payment will remain in 
effect until I close my account. 
MINIMUM FINANCE CHARGE: I will be charged a minimum 
Finance Charge of $0.50 in any month a Finance Charge is 
imposed.
LATE CHARGE: If my current Minimum Monthly Payment is 
not received by you within five (5) days following my 
payment due date, I will be charged a late charge of $7.00.
RETURN CHECK CHARGE: A charge of $18.00 will be 
added to my account for each payment I make to you by 
check which is returned to you for lack of sufficient funds.
STOP PAYMENT FEE: A charge of $15.00 will be added to 
the Purchase balance of my Account if I ask to stop payment 
on any credit card check drawn on my Account.
TRANSACTION FEE FOR CASH ADVANCES: I will be 
charged a transaction fee on each cash advance I initiate, 
whether I receive cash or a check, equal to 3% of the 
advance with a minimum fee of $5.00.
TRANSACTION COPY FEE: I may obtain copies of my 
transaction slips. I understand that I will be subject to a fee 
of $10 for each transaction that I request.
BALANCE TRANSFER FEE: I may be charged a transac-
tion fee on each balance transfer I initiate, equal to 2% of the 
transfer amount, with a minimum of $5.00 per transfer.
CREDIT LIMIT: You will establish a Credit Limit for me. I 
agree not to let the unpaid balance exceed this Credit Limit. I 
agree to advise you of any change in my financial condition 
which may affect my credit worthiness. I agree that I shall 
update the credit information that I have provided you, from 
time to time, on your demand. I may request an increase in 
my Credit Limit, but Credit Limit increases must be approved 
by you.
PURCHASES AND ADVANCES: I may make Purchases 
and request Cash Advances in accordance with then current 
loan policies up to my Credit Limit but not exceeding the 
security CAP. I understand that all purchases and other 
transactions requested by me are subject to your approval.
USING THE CARD: To make a Purchase or obtain a Cash 
Advance, there are two alternative procedures to be 
followed. One is for me to present the card or card number 
to a participating Visa plan merchant, to you, or to another 
financial institution, and sign or authorize a sales or cash 
advance draft. The other is to complete the transaction by 
using my Personal Identification Number (PIN) in conjunction 
with the card in an Automated Teller Machine or other type of 
electronic terminal that provides access to the Visa systems.
ILLEGAL TRANSACTIONS: I must not use my Card for any 
unlawful purpose. I agree that I will not use your Card or 
account for any transaction that is illegal under any 
applicable law.
ELECTRONIC FUND TRANSFER: In the event use of my 
card, or the account number of the card constitutes an 
Electronic Fund Transfer, the terms and conditions of my 
Electronic Fund Transfer Agreement and Disclosure with you 
shall govern such transactions to the extent the Electronic 
Fund Transfer Agreement and disclosure expands or 
amends this Agreement.

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