PRICING INFORMATION ADDENDUM –  
CREDIT CARD AGREEMENT AND DISCLOSURE 

423 Lynch Street • St. Louis, MO 63118 
(314) 771-7700 • (800) 325-9905

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR SECURED VISA CREDIT 
CARD AGREEMENT AND DISCLOSURE. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND 
NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) For 
Purchases 

Secured VISA: 14.90% 

Annual Percentage Rate (APR) For 
Balance Transfers 

Annual Percentage Rate (APR) For 
Cash Advances 

Secured VISA: 14.90% 

Secured VISA: 18.90% 

Minimum Interest Charge 

If You are charged interest, the charge will be no less than $0.50 

Fees 

Transaction Fees 

 Cash Advance

Penalty Fees 

$2.00 

 Late Payment
 Returned Payment

Up to $5.00 
Up to $25.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
Account Agreement for details. 

Billing  Rights:  Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your 
Account Agreement.  

FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the separate average daily 
transactions balances outstanding during the month (including new transactions) for purchases, cash advances, balance transfers and convenience checks. To 
get each average daily balance, We take the beginning balance for purchases, cash advances, balance transfers and convenience checks each day, add any 
new transactions for purchases, cash advances, balance transfers, and convenience checks (and insurance premiums, debit adjustments or other charges, as 
applicable), and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance(s) for purchases, cash advances, balance transfers 
and convenience checks. Then, We add up each of the separate daily balances for purchases, cash advances, balance transfers and convenience checks for the 
billing cycle and divide them by the number of days in the billing cycle to arrive at the separate average daily transactions balances for purchases, cash advances, 
balance transfers and convenience checks. The Finance Charge for a billing cycle is computed by multiplying each average daily balance subject to a Finance 
Charge by the applicable Daily Periodic Rate times the number of days in the billing cycle. The sum of each of these separate Finance Charge calculations is the 
total Finance Charge owed for that billing cycle. 

You can avoid Finance Charges on purchases, balance transfers and convenience checks by paying the full amount of the entire balance owed each month within 
25  days  of  Your  statement  closing  date.  Otherwise,  the  new  balance  of  purchases,  balance  transfers  and  convenience  checks,  and  subsequent  purchases, 
balance transfers and convenience checks from the date they are posted to Your Account, will be subject to a Finance Charge. Cash advances are always subject 
to a Finance Charge from the date of the transaction and are not subject to the 25-day grace period described above. 

The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. 

The Daily Periodic Rate for purchase and balance transfer transactions is 0.040822% (corresponding  ANNUAL PERCENTAGE RATE 14.90%), whereas the 
Daily Periodic Rate for cash advance transactions is 0.051781% (corresponding ANNUAL PERCENTAGE RATE 18.90%). 

Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved. 

   OTBS 016A CC SECURED FRB_WEB TCU (2/19) 
Rev. (2/19)

423 Lynch Street • St. Louis, MO 63118 
(314) 771-7700 • (800) 325-9905

CREDIT CARD AGREEMENT 
AND DISCLOSURE STATEMENT 

THIS IS YOUR  CREDIT  CARD  AGREEMENT  AND DISCLOSURE  CONTAINING NECESSARY 
FEDERAL  TRUTH-IN-LENDING  DISCLOSURE  STATEMENTS,  AND  ANY  SPECIAL 
INSTRUCTIONS REGARDING THE USE OF YOUR CREDIT CARD. PLEASE BE SURE TO READ 
THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean the TOGETHER Credit Union. The words "You" and "Your" mean each person who 
accepts this Agreement or uses the Secured VISA Platinum Credit Card. "Account" means the Secured VISA Platinum  Credit Card Account established for You. 
The words "Credit Card" or "Card" mean the Secured VISA Platinum Credit Card issued to You and any duplicates and renewals. "Convenience Checks" mean the 
special Account access devices that We may provide for Your use from time to time. If this is a joint account, read singular pronouns in the plural.  

You understand the following terms constitute the Agreement: 

PROMISE  TO  PAY.  Your  Account  may  be  accessible  through  a  variety  of  means  which  could  include  advance  request  forms,  vouchers,  checks,  charge  slips, 
Credit Cards, Convenience Checks, Online Access and the like. Regardless of the access means, You promise to pay Us all amounts charged to Your Account by 
You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and other fees 
or charges described herein. 

JOINT  ACCOUNTS.  Each  Cardholder  will  be  responsible,  jointly  and  severally,  for  the  repayment  of  amounts  owed.  You  understand  that  any  Card  which  is 
requested and approved will be mailed only to the primary Cardholder at the address that We have on file for You. We may refuse to follow any instructions which 
run counter to this provision.  

OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any time without notice. You agree to surrender Your Card and to discontinue its use 
immediately upon Our request. 

USE OF YOUR CARD. You may make purchases by presenting the Card to a participating plan merchant or by authorizing a sales draft. You may obtain cash 
advances by presenting the Card to Us or another financial institution; by authorizing a cash advance draft; or by using Your PIN in conjunction with the Card in an 
ATM or other type of electronic terminal that honors Your Card. You agree not to use Your Card for illegal transactions including, but not limited to, advances made 
for the purposes of gambling and/or wagering where such practices are in violation of applicable State and/or federal law. 

ISSUANCE  OF  PERSONAL  IDENTIFICATION  NUMBER.  We  will  issue  separate  Personal  Identification  Numbers  (PINs)  for  use  with  participating  Automated 
Teller  Machines  (ATM).  These  PINs  are  confidential  and  should  not  be  disclosed  to  anyone.  You  may  use  Your  PINs  to  access  Your  Account  and  all  sums 
advanced will be added to  Your balance. In the event a use  of  Your PINs constitutes an Electronic Fund  Transfer, the terms and  conditions of  Your Electronic 
Fund Transfer Agreement may also affect Your rights. Your use of these PINs is Your authorization to Us to charge Your Account to cover such transactions. 

ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured VISA Platinum Credit Card, You agree to give Us a specific pledge of shares which will 
equal Your Credit Limit. In the event that You default on Your Account, We may apply these shares toward the repayment of any amount owed on Your Secured 
VISA Platinum Credit Card. You may cancel Your Secured VISA Platinum Credit Card at any time by paying any amounts owed on such Account. To be certain 
that Your entire balance and all advances are paid, any shares pledged may not be available to You for 30 days after You have cancelled and any outstanding 
balance is paid in full. 

CREDIT  LIMITS. If  Your  application for an Account is approved,  You  will be notified of  Your specific Credit Limit(s) for transactions made under  Your Account. 
Unless  You  are  in  default,  any  Credit  Limit  established  for  You  will  be  self-replenishing  as  You  make  payments  on  Your  Account.  You  will  keep  Your  unpaid 
balance within any Credit Limit set by Us, and You will pay any amount over Your Credit Limit on Our demand whether or not We authorize the advance which 
caused You to exceed any Credit Limit. Even if Your unpaid balance is less than Your Credit Limit, You will have no credit available during any time that any aspect 
of Your Account is in default.  

FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the separate average daily 
transactions balances outstanding during the month (including new transactions) for purchases, cash advances, balance transfers and convenience checks. To get 
each average daily balance, We take the beginning balance for purchases, cash advances, balance transfers and  convenience checks each day, add any new 
transactions  for  purchases,  cash  advances,  balance  transfers,  and  convenience  checks  (and  insurance  premiums,  debit  adjustments  or  other  charges,  as 
applicable), and  subtract  any  payments,  credits  and  unpaid  Finance  Charges.  This  gives  Us  the  daily  balance(s)  for  purchases,  cash  advances,  balance 
transfers  and  convenience  checks.  Then,  We  add  up  each  of  the  separate  daily  balances  for  purchases,  cash  advances,  balance  transfers  and  convenience 
checks for the billing cycle and divide them by the number of days in the billing cycle to arrive at the separate average daily transactions balances for purchases, 
cash advances, balance transfers and convenience checks. The Finance Charge for a billing cycle is computed by multiplying each average daily balance subject 
to  a  Finance  Charge  by  the  applicable  Daily  Periodic  Rate  times  the  number  of  days  in  the  billing  cycle.  The  sum  of  each  of  these  separate  Finance  Charge 
calculations is the total Finance Charge owed for that billing cycle. 

You can avoid Finance Charges on purchases, balance transfers and convenience checks by paying the full amount of the entire balance owed each month within 
25  days  of  Your  statement  closing  date.  Otherwise,  the  new  balance  of  purchases,  balance  transfers  and  convenience  checks,  and  subsequent  purchases, 
balance transfers and convenience checks from the date they are posted to  Your Account, will be subject to a Finance Charge. Cash advances are always subject 
to a Finance Charge from the date of the transaction and are not subject to the 25-day grace period described above. 

The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. 

For important Account information and the Daily Periodic Rate (and corresponding Annual Percentage Rate), refer to the "Credit Card Approval" that We 
have provided in conjunction with this Agreement, which You understand and agree is an integrated part of this Agreement.   

MINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum Monthly Payments, You understand that You have the right to repay or make larger 
payments  at  any  time  without  penalty.  You  will  only  be  charged  periodic  Finance  Charges  to  the  date  You  repay  Your  entire  balance.  Any  partial  payment  or 
prepayment will not delay Your next scheduled payment. All payments to Us must be in lawful money of the United States. As permitted by law, We may apply 
payments in an order of Our choosing. Any unpaid portion of the Finance or Late Charge will be paid by subsequent payments. You understand that any delay in 
the repayment of Your unpaid balance will increase the amount You will pay in Finance Charges and any acceleration in the reduction of Your unpaid balance will 
decrease the amount You will pay in Finance Charges.  

Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved. 

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Your  Minimum  Monthly  Payment  will  be  3.00%  of  Your  balance  at  the  end  of  each  billing  cycle  plus  other  applicable  charges,  any  past  due  Minimum  Monthly 
Payments and any amount that exceeds Your Credit Limit, subject to the lesser of $25.00 or Your balance. 

LATE CHARGES. If Your payment is 15 or more days late, You will be charged the lessor of $5.00 or the amount of the minimum payment due. 

OTHER FEES AND CHARGES. You will be charged the following fees and charges associated with Your Account: (a) a cash advance fee FINANCE CHARGE of 
$2.00 for each cash or quasi-cash transaction such as teller and ATM cash advances, wire transfer, the purchase of money orders, betting or lottery tickets and 
other cash-like transactions; and (b) a handling fee equal to the lesser of $25.00 or the required minimum payment amount for the returned payment, plus any 
charges assessed by an institution for processing a refused instrument used for payment on Your Account. 

PERIODIC STATEMENT. On a regular basis, You will receive a statement showing all transactions on Your Account including amounts paid and borrowed since 
Your last statement. We will mail You a statement each billing cycle in which there is a debit or credit balance or when a Finance Charge is imposed. We need not 
send You a statement if We feel Your Account is uncollectible or if We have started collection proceedings against You because You defaulted. Each statement is 
deemed to be a correct statement of account unless You establish a billing error pursuant to the Federal Truth-In-Lending Act. 

OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no obligation to honor Your Convenience Checks if: (1) by paying a Convenience 
Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have been reported lost or stolen; (3) Your Account has been canceled or has 
expired. If a postdated Convenience Check is paid and, as a result, any other Convenience Check is returned unpaid, We are not responsible for any resulting loss. 

TRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but sales, 
cash advance, credit or other slips will not be returned with the statement. You will retain the copy of such slips furnished at the time of the transaction in order to 
verify Your monthly statement.  

CREDITS. If a merchant who honors Your Card gives You credit for returns or adjustments, the merchant will do so by sending Us a slip which will be posted to Your 
Account. If Your credits and payments exceed what You owe Us, We will hold and apply this credit against future purchases and cash advances, or if it is $1.00 or 
more, refund it on Your written request or automatically deposit it to Your Share Account after six months. 

DEFAULT. You will be in default if: (a) You do not make any payment or perform any obligation under this Agreement, or any other agreement that You may have 
with Us; or (b) You should die, become involved in any insolvency, receivership or custodial proceeding brought by or against You; or (c) You have made a false or 
misleading statement in Your credit application and/or in Your representations to Us while You owe money on Your Account; or (d) judgment or tax lien should be 
filed  against  You  or  an  attachment  or  garnishment  should  be  issued  against  any  of  Your  property  or  rights,  specifically  including  anyone  starting  an  action  or 
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay Your indebtedness hereunder is or soon 
will be impaired, time being of the very essence. 

If You are in default, We may, to the extent permitted by law, cancel Your rights under this Agreement, declare the entire unpaid balance of Your Account immediately 
due and payable and require the return of all access devices. If immediate payment is demanded, You will continue to pay interest at the applicable interest rates in 
effect under Your Account until what You owe has been repaid. 

COLLECTION COSTS. To the extent permitted by law, You will reimburse Us for all of Our costs and expenses, including reasonable attorneys' fees incurred in the 
course of collecting any amounts owed under this Agreement or for the recovery of any collateral. 

In the event Your Account is referred for collection to an attorney who is not Our salaried employee and suit is brought, You will also be required to pay attorneys' 
fees not to exceed 15.00% of the amount due and payable under this Agreement, together with any court costs assessed. 

CREDIT INSURANCE. Credit insurance is not required for any extension of credit under this Agreement. However, You may purchase any credit insurance available 
through Us and have the premiums added to the outstanding balance. If You elect to do so, You will be given the necessary disclosures and documents separately. 
Any credit insurance premiums will be charged to Your Account as a purchase. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if We delay enforcing them. We can accept late payments, partial payments, or 
any other payments, even if they are marked "paid in full" without losing any of Our rights under this Agreement. If any provision of this or any related agreement is 
determined to be unenforceable or invalid, all other provisions remain in full force and effect. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. You will not be liable for the unauthorized use that occurs after You notify Us 
orally and in writing at the address or telephone number shown in this Agreement, of the loss, theft, or possible unauthorized use. In any case, Your liability will not 
exceed $50.00. 

PRE-AUTHORIZED  RECURRING  CHARGES.  You  may,  from  time  to  time,  establish  preauthorized  recurring  charges  be  made  on  Your  Account.  You 
understand that any such preauthorized recurring charges will continue unless discontinued by You directly with the service provider with whom You preauthorized 
the recurring charge. 

To ensure that recurring preauthorized charges established and authorized by You are not interrupted in the event that Your Card or other Access Device is reissued, 
We may, but are under no obligation to do so, enroll Your account in automatic account information update services that communicate new Card/Access Device 
information to the service providers with whom You have established preauthorized recurring charges, the purpose of which is  to ensure charges You authorize 
continue without interruption. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or otherwise have a change of address. 

CHANGE IN TERMS. We may change the terms of this Agreement by mailing or delivering to You written notice of the changes as prescribed by the Federal 
Truth-In-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement includes, but is not limited to, the right to change the periodic 
rate applicable to Your unpaid balance and/or future advances. 

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for the refusal or inability of merchants, financial institutions and others to accept 
the Cards or Convenience Checks, or electronic terminals to honor the Cards or complete  
a Card withdrawal, or for their retention of the Cards or Convenience Checks. 

LOST OR STOLEN CARDS AND/OR CONVENIENCE CHECKS. To report a lost or stolen Card or Convenience Check, You will immediately call Us at (877) 
325-2848 or (800) 556-5678 after hours, on weekends or holidays.

Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved. 

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FOREIGN  TRANSACTIONS. For transactions initiated in foreign currencies, the exchange rate  between the transaction currency and the billing currency  (U.S. 
dollars) will be: (a) a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate 
may vary from the rate VISA itself receives; or (b) the government-mandated rate in effect for the applicable central processing date.  

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. 

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement And Disclosure. By signing the Application and Your Credit Card, by using the 
Card, by using Your Account or by authorizing another to use Your Account, You agree to accept  
its terms. 

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional Disclosure—Federal Truth-In-Lending Act" or "Credit Card Security Agreement," 
which is delivered to You and relates to this Agreement is an integrated part of this Agreement And Disclosure. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to update personal information or other financial information related to You, at 
Our request. You also agree that We may, from time to time, as We deem necessary, make inquiries pertaining to Your employment, credit standing and financial 
responsibility in accordance with applicable laws and regulations. You further agree that We may give information about the status and payment history of Your 
Account to consumer credit reporting agencies, a prospective employer or insurer, or a state or federal licensing agency having any apparent legitimate business 
need for such information. 

TERMINATION. Subject to applicable law, either You or We may cancel Your Account at any time whether or not You are in default. You will, in any case, remain 
liable to pay any unpaid balances according to the terms of this Agreement.  

GOVERNING LAW. This Agreement is controlled and governed by the laws of the State of Missouri including Section 408.140 RSMO except to the extent that such 
laws are inconsistent with controlling federal law. 

ORAL  AGREEMENTS.  Oral  agreements  or  commitments  to  loan  money,  extend  credit  or  to  forbear  from  enforcing 
repayment of a debt including promises to extend or renew such debt are not enforceable, regardless of the legal theory 
upon which it is based that is in any way related to the credit agreement. To protect You (borrower(s)) and Us (creditor) 
from misunderstanding or disappointment, any agreements We reach covering such matters are contained in this writing, 
which is the complete and exclusive statement of the agreement between Us, except as We may later agree in writing to 
modify it. 

This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

Your Billing Rights: Keep this Document for Future Use 

If You think there is an error on Your statement, write to Us at Our address shown in this Agreement. In Your letter, give Us the following information: 

•
•
•

Account information: Your name and Account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake.

You must contact Us: 

•
•

Within 60 days after the error appeared on Your statement.
At least 3 business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong.

You must notify Us of any potential errors in writing. You may call Us, but if You do We are not required to investigate any potential errors and You may have to pay 
the amount in question. 

When We receive Your letter, We must do two things: 

What Will Happen After We Receive Your Letter 

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 organizations know when the matter has been settled between Us. If We do not follow all of the rules above, You do not have to pay the first 
$50.00 of the amount You question even if Your bill is correct. 

Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved. 

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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)

2)

3)

The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the purchase price must have been more
than $50.00. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if We own the company that sold
You the goods or services.)
You must have used Your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses Your Credit Card
account do not qualify.
You must not yet have fully paid for the purchase.

If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing at Our address shown in this Agreement. 

While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our decision. At that point, 
if We think You owe an amount and You do not pay, We may report You as delinquent. 

Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved. 

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   OTBS 016CC SECURED FRB_WEB TCU (2/19) 
Rev. (2/19)