ORANGE COUNTY’S  CREDIT UNION 

AGREEMENT  AND FEDERAL  TRUTH-IN-LENDING  DISCLOSURE  STATEMENT 
FOR MASTERCARD® PLATINUM,  PLATINUM  REWARDS, AND SELECT CREDIT 
CARDS  

EFFECTIVE:   MARCH, 2016 

FOR SELECT  CREDIT CARDS – NOTE:   THIS CREDIT  CARD ACCOUNT  IS 
SECURED  BY FUNDS ON DEPOSIT  WITH  THE  CREDIT UNION. 

In this  Agreement  and Disclosure  Statement,  the  words “I,”  “me,”  “my,”  and “mine”  mean  each 
and all  of those  who  apply  for  or use  the Orange  County’s  Credit  Union  MasterCard  Credit  Card 
and/or  Account.   “Credit  Union,”  “you,”  “your,”  and “yours”  mean  Orange  County’s  Credit 
Union.   “Card”  means  the  MasterCard Platinum,  Platinum  Rewards,  and/or  SELECT  Card issued 
to me  and any  duplicates  and/or  renewals  you  may  issue.   “Account”  means  my  MasterCard 
Card Account  with  you.  
 

By  requesting  and receiving,  signing,  using,  or permitting  others  to use  the Card and/or  Account 
issued  to me  by you,  I agree  to be bound  by the terms  and conditions  as set forth  herein  and any 
amendments  thereto.  
 

AUTHORIZATION  AND PAYMENT:   I authorize  you  to pay  and charge  my  Account  for  all 
Purchases,  Balance  Transfers,  and Cash Advances  made  or obtained  by me  or anyone  I authorize 
to use  my  Card or Account.   I will  be obligated  to pay all  such  Purchases,  Balance  Transfers,  and 
Cash Advances  charged  to my  Account  whether  resulting  from:  (1) actual  use of  my  Card or 
Convenience  Checks; (2) mail  order or telephone,  computer,  or other  electronic  Purchases  or 
Cash Advances  made  without  presenting  the  Card; or (3) any  other  circumstance  where  I 
authorize  a charge  or advance,  or authorize  someone  else  to make  a charge  or advance,  to my 
Account  (collectively,  “authorized  charges”).   I promise  to pay you  or to your  order in  U.S. 
Dollars  with  an instrument  drawn  on a financial  institution  in  the United  States at your  office  or 
at the address set forth  on my  periodic  statement  all  authorized  charges  on the terms  and at the 
rates set forth  herein,  plus  any  FINANCE CHARGES  assessed on my  Account,  and any  other 
charges  and fees  which  I may  owe you  under  the terms  of this  Agreement  (collectively,  the 
“Account  Balance”).   Payments  will  continue  until  I have  paid the  Account  Balance  in  full.  
 

FINANCE CHARGES:  The FINANCE CHARGE  for a billing  cycle  will  be the  sum  of  four  (4) 
components:  
 

1.  

Cash Advance  Fee:  The  first  (1st) component  of the  FINANCE CHARGE  is the  Cash 
Advance  Fee.  Cash Advance  transactions  are subject  to a Cash Advance  Fee FINANCE 
CHARGE  of  two percent  (2.00%) of the  amount  of the  Advance  that  is  posted to the 
Account  during  the  billing  cycle.   However,  the Cash Advance  Fee shall  not be less  than 
$5.00 or greater  than  $50.00 for  each Cash Advance.   

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2. 

3. 

4. 

Balance  Transfer  Fee: The  second  (2nd) component  of  the FINANCE CHARGE  is the 
Balance  Transfer  Fee.  Balance  Transfer  transactions  are subject  to a Balance  Transfer 
Fee FINANCE  CHARGE  of  two percent  (2.00%) of the  amount  of the  Balance  Transfer 
that  is  posted to the Account  during  the billing  cycle.   However,  Balance  Transfer  Fee 
shall  not  be less  than  $5.00 or greater  than  $50.00 for each  Balance  Transfer. 

Foreign  Transactions  Fee:  The  third  (3rd) component  of  the FINANCE CHARGE  is  the 
Foreign  Transactions  Fee.  All  foreign  transactions,  whether  or not they  require  a 
currency  conversion,  are subject  to Foreign  Transaction  Fee FINANCE  CHARGE  of 
1.00% of  the transaction  amount. 

Purchases,  Cash Advances,  and Credits  made in  foreign  currencies  will  be billed  to my 
Account  in  U.S. Dollars.   The  conversion  to U.S. Dollars  will  be made  in  accordance 
with  the  MasterCard  operating  regulations  for  international  transactions.   The  exchange 
rate between  the  transaction  currency  and the  billing  currency  used for  processing  such 
transactions  is  a rate selected  by MasterCard from  the  range  of rates available  in 
wholesale  currency  markets  for the  applicable  central  processing  date, which  rate may 
vary  from  the rate MasterCard  itself  receives  or the  government- mandated  rate in  effect 
for  the applicable  central  processing  date.  The  conversion  rate may  be different  than  the 
rate on the  day of the  transaction  or date of the  posting  of the  Account.   When  a credit  to 
the  Account  does not  fully  offset  a charge  to the  Account  due to changes  in  the rate, I am 
responsible  for  the difference. 

Monthly  Periodic  FINANCE CHARGE,  Monthly  Periodic  Rate,  and Standard  ANNUAL 
PERCENTAGE  RATE  for  Purchases,  Balance  Transfers,  and Cash Advances:   The 
fourth  (4th)  component  of  the FINANCE CHARGE  is  the  Monthly  Periodic  FINANCE 
CHARGE  for Purchases,  Balance  Transfers,  and Cash Advances.   The  Monthly  Periodic 
Rate used  in  calculating  the  Monthly  Periodic  FINANCE  CHARGE  for Purchases, 
Balance  Transfers,  and Cash Advances  is  based upon  the  Prime  Rate  as published  in  the 
Money  Rates  section  of  the print  edition  of The Wall Street Journal (the “Index”).   My 
ANNUAL PERCENTAGE  RATE for  Purchases,  Balance  Transfers,  and Cash 
Advances  is  determined  by adding  a “Margin”  as set forth  on the  enclosed  Account 
Opening  Table  to the  Index  in  effect  as of  the last  business  day of the  month  proceeding 
the  month  of  my  Adjustment  Date.  The  Initial  Monthly  Periodic  Rate for  Purchases, 
Balance  Transfers,  and Cash Advances  in  effect  as of  the date of this  Agreement  is set 
forth  on the  enclosed  Account  Opening  Table  (the  corresponding  Initial  ANNUAL 
PERCENTAGE  RATE for Purchases,  Balance  Transfers,  and Cash Advances  in  effect 
as of  the date of this  Agreement  is  set forth  on the  enclosed  Account  Opening  Table).   
There  is  no Minimum  Monthly  Periodic  FINANCE CHARGE  for Purchases,  Balance 
Transfers,  and  Cash Advances. 

My ANNUAL  PERCENTAGE  RATE  for Purchases,  Balance  Transfers,  and Cash 
Advances  may  increase  or decrease  every  month.   Any  such  change  will  be based on an 
increase  or decrease in  the  Index  as set forth  below.   In the  event  that  the  Prime  Rate 
ceases to be published,  changes  in  the ANNUAL  PERCENTAGE  RATE  for Purchases, 
Balance  Transfers,  and Cash Advances  will  be related  to a comparable  Index  as permitted 

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under  the  Change  in  Terms  paragraph  below.   You  may  waive  an increase  in  the 
ANNUAL  PERCENTAGE  RATE  for Purchases,  Balance  Transfers,  and Cash Advances 
when  such  an increase  can be made,  but such  a waiver  shall  not  be construed  as a waiver 
of your  right  to increase  the ANNUAL  PERCENTAGE  RATE  for Purchases,  Balance 
Transfers,  and  Cash Advances  at a future  date when  entitled  to do so. 

My ANNUAL  PERCENTAGE  RATE  for Purchases,  Balance  Transfers,  and Cash 
Advances  is  subject  to change  monthly  on the  billing  closing  date.  These  dates shall  be 
known  as “Adjustment  Dates.”   For example,  the Index  in  effect  on the last  business  day 
of January  shall  be used  to calculate  the  ANNUAL PERCENTAGE  RATE  for  Purchases, 
Balance  Transfers,  and Cash Advances  change  effective  on the billing  closing  date in 
February  of the  same  year.  All  other Adjustment  Date rate changes  will  follow  the same 
pattern,  except  that  the  Index  in  effect  on the  last  business  day of  December  shall  be used 
to calculate  the  ANNUAL PERCENTAGE  RATE  for  Purchases,  Balance  Transfers,  and 
Cash Advances  change  effective  on the  billing  closing  date in  January  of the  following 
year. 

There  is  no maximum  ANNUAL  PERCENTAGE  RATE  for  Purchases,  Balance 
Transfers,  and  Cash Advances  during  the  term  of  this  Agreement,  except  that  the 
maximum  ANNUAL PERCENTAGE  RATE  shall  not exceed the  maximum  ANNUAL 
PERCENTAGE  RATE  permitted  under  applicable  law.   There  is  no minimum  ANNUAL 
PERCENTAGE  RATE  for  Purchases,  Balance  Transfers,  and Cash Advances  during  the 
term  of  this  Agreement.   There  are no annual  or other  limitations  on changes  in  the 
ANNUAL  PERCENTAGE  RATE  for Purchases,  Balance  Transfers,  and Cash Advances 
during  the term  of this  Agreement.   Decreases  in  the ANNUAL  PERCENTAGE  RATE 
for  Purchases,  Balance  Transfers,  and Cash Advances  in  accordance  with  the terms  of 
this  Agreement  are mandatory.   Increases  in  the  ANNUAL PERCENTAGE  RATE  for 
Purchases,  Balance  Transfers,  and Cash Advances  in  accordance  with  the  terms  of  this 
Agreement  are at your  discretion.   Any  increase  or decrease in  the ANNUAL 
PERCENTAGE  RATE  for  Purchases,  Balance  Transfers,  and Cash Advances  will  result 
in  changes  in  the  amount  of the  payments  required  to repay  the Account  Balance. 

The  Monthly  Periodic  Rate  for Purchases,  Balance  Transfers,  and  Cash Advances  is 
determined  by dividing  the  ANNUAL  PERCENTAGE  RATE  for Purchases,  Balance 
Transfers,  and  Cash Advances  by twelve  (12) and will  change  when  the  ANNUAL 
PERCENTAGE  RATE  for  Purchases,  Balance  Transfers,  and Cash Advances  changes.    

HOW TO COMPUTE THE  BALANCE  UPON WHICH  PERIODIC FINANCE CHARGES 
ARE  ASSESSED:  
 

If  the New Balance  shown  on my  monthly  statement  is  paid in  full  by the payment  Due Date 
shown  on the statement,  no interest  charge  will  be imposed  on the Current  Cycle  Purchases 
(which  are the  purchases  itemized  on the statement).   If  an “Interest  Charge”  is  shown  on my 
statement,  it  is  computed  by applying  the  periodic  rate to the average  daily  balance  of previous 
billing  cycle  purchases  plus  the  average  daily  balance  of old purchases  plus  the  average  daily 
balance  of Cash Advances  and Balance  Transfers.   The  average  daily  outstanding  balance  is 

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computed  in  accordance  with  the  method  described  below.   Cash Advances  and Balance 
Transfers  are always  subject  to Interest  Charges  on the date of the  transaction.    

Average  daily  outstanding  balance  for the  billing  period  is determined  by dividing  the sum  of the 
amounts  owed to you  on each  day of the  billing  period by the  number  of days  in  the  billing 
period,  except  that: 

A. 

The  amount  of new  Purchases  shown  on the statement  and the outstanding 
balance  at the  beginning  of the  billing  period  is not  considered  part of the  average 
daily  outstanding  balance  during  the  billing  period  if  the  total  amount  owed to 
you  at the beginning  of the  billing  period  was paid in  full  within  25 days after  that 
beginning  date. 

B. 

Interest  charges  and any  annual  fee are not included  in  the average  daily 
outstanding  balance.    

MINIMUM PAYMENT:   Every  month,  I must  pay at least  the Minimum  Payment  Due by the 
Payment  Due  Date shown  on my  periodic  statement.   By  separate agreement,  I may  authorize 
you  to automatically  transfer  the  Minimum  Payment  Due  from  my  Credit  Union  share  or share 
draft  account.   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  Payment  Due 
will  be either:  (a) 3.00% of my  New Balance  or $25.00, whichever  is greater;  or (b) my  New 
Balance,  if  it  is  less  than  $25.00.  In addition,  I must  pay any  amount  on my  periodic  statement 
listed  as past due and any  late  charge.  
 

I understand  and agree that  any  Payment  made  by me  will  be applied  in  the  following  order:  (a) 
unpaid  fees and charges,  if  any;  (b) unpaid  Periodic  FINANCE CHARGES  due on Purchases, 
Balance  Transfers,  and Cash Advances;  (c) outstanding  principal  balances  of  Purchases,  Balance 
Transfers,  and  Cash Advances  previously  billed;  and (d) current  Purchases,  Balance  Transfers, 
and Cash Advances.   However,  any  portion  of  my  payment  in  excess of  the required  Minimum 
Payment  will  be applied  first  to the  balance  subject  to the highest  ANNUAL  PERCENTAGE 
RATE  and any  remaining  portion  will  be applied  to the other  balances  in  descending  order based 
upon  the  applicable  ANNUAL  PERCENTAGE  RATE.   If two or more  transactions  are posted 
on the  same day,  my  payment  will  be applied  first  to the smaller  of  them.    

LATE  CHARGE:   You  will  charge  a Late  Charge  of up to $7.00 with  respect  to any  monthly 
billing  cycle  as a late  payment  charge  on the Minimum  Payment  Due that  is  not paid  within  5 
days after  the Payment  Due  Date. 

RETURNED  PAYMENT  FEE:   You will  charge  a Returned  Payment  Fee of up to $25.00 with 
respect to any  payment  item  you  receive  that  cannot  be paid  and/or  must  be returned  for 
insufficient  funds.    

PURCHASES  AND ADVANCES:   I may  make Purchases  and  request  Balance  Transfers  and 
Cash Advances  in  accordance  with  your  then-current  loan  policies.   My Purchases  and Balance 
Transfers  may  not exceed  my  Credit  Limit.   If  my  Account  is  not secured  by shares  (see the 

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“Pledge  of Shares”  paragraph  below),  I may  request  Cash Advances  up to 50% of  my  Credit 
Limit.   If my  Account  is  secured by  shares,  I may  request  Cash Advances  up to 25% of my 
Credit  Limit.   I understand  and agree  that  all  Purchases,  Balance  Transfers,  and Cash Advances, 
and other  transactions  requested  by me or anyone  I have  permitted  to use  the Card(s) and/or 
Account  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 
MasterCard  plan  merchant  or 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 MasterCard  system.  
 

My Card and/or  Account  may  not  be used directly  or indirectly  for:  (1) any  illegal  activity  or 
transaction;  or (2) any  gambling,  gaming,  betting,  or similar  activity  or transaction.   Further,  I 
may  not utilize  my  Card and/or Account  for the  purchase  of any  goods  or services  on the  Internet 
that  involve  gambling,  gaming,  betting,  or any  similar  transaction  or activity.   Such  transactions 
include,  but  may  not  be limited  to, any  quasi-cash  or online  gambling  transaction,  any  electronic 
commerce  transaction  conducted  over an open network,  and any  betting  transaction  including  the 
purchase  of lottery  tickets  or casino  gaming  chips/checks  or off-track  betting  or wagering. 
However,  in  the  event  that  a charge  or transaction  described  in  this  paragraph  is approved  and 
processed, I will  still  be responsible  for  such  charges.   

ELECTRONIC  FUND TRANSFER:   In  the event  a use of  the Card or the Account  number  of 
the  Card constitutes  an 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  and 
Disclosure  Statement.  
 

PREPAYMENT  OR IRREGULAR  PAYMENTS:   Though  I need  only  pay the  Minimum 
Payment  Due,  I understand  that  I have  the right  to repay  my  Account  Balance  at any  time 
without  penalty.   I also  understand  and  agree that  I will  only  be charged  FINANCE CHARGES 
to the  date I repay  my  entire  Account  Balance.   I may  make  larger  payments  without  penalty  and 
this  may  reduce the  total  amount  of  FINANCE CHARGES  that  I will  repay.   If I pay more  than 
the  Minimum  Payment  Due in  any  month  and there  is  still  a balance  due, I must  continue  to 
make  Minimum  Payments  in  future  months.   Any  partial  payment  of  my  loan  will  not advance 
my  next  payment  due date(s).   I understand  and  agree that  any  payment  that  (a) delays  or (b) 
accelerates  the  repayment  of  my  Account  Balance  will  (a) increase  or (b) decrease my  Monthly 
Periodic  FINANCE CHARGE.   

PAYMENTS  BY  AUTOMATIC  TRANSFER:   If  I request  payment  by automatic  transfer,  I 
understand  and agree  that  no payment  can or will  be made if  there  are insufficient  or uncollected 
funds  in  the  designated  account  from  which  the  scheduled  payment  was to be made.   Should  this 
event  occur, I understand  and agree  that  I will  not be released  from  making  the payment.   Any 
automatic  transfer  I have  requested  will  remain  in  effect  until  I cancel  it  in  writing  or the 

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Account  Balance  is paid  in  full.   You may  cancel  this  service  at your  discretion.   

DEFAULT:   I will  be in  default  if:  (1) I do not pay on time  or in  the proper amount(s);  (2) I fail 
to abide  by any  of  the terms  of this  Agreement;  (3) my  creditworthiness  is impaired;  or (4) I die, 
become  insolvent,  or am the  subject  of  bankruptcy  or receivership  proceedings.   In the event  of 
any  action  by you  to enforce  this  Agreement,  I agree  to pay the  costs thereof,  reasonable 
attorneys’  fees,  and other  expenses.   I understand  and agree  that  FINANCE  CHARGES  at the 
ANNUAL  PERCENTAGE  RATE  as permitted  under  this  Agreement  and Disclosure  Statement 
will  continue  to accrue  until  I repay my  entire  Account  Balance.   

ACCELERATION  AND COLLECTION  COSTS:  Upon  my  default,  I understand  and agree  that 
you  have  the  right  to temporarily  or permanently  suspend  any  and all  Account  and Card 
privileges  and/or  you  may  demand  immediate  payment  of the  Account  Balance  and your 
collection  costs, reasonable  attorneys’  fees, and court  costs (collectively,  “Collection-Related 
Charges”).   I understand  and  agree that  I will  be subject  to FINANCE CHARGES  (at the 
applicable  Monthly  Periodic  Rate),  late  charges,  over limit  fees, and  Collection-Related  Charges 
under  the  terms  disclosed  in  this  Agreement,  until  I repay my  entire  Account  Balance.   

RESPONSIBILITY:   I agree  to repay  you  according  to the  terms  of  this  Agreement  for all 
Purchases,  Balance  Transfers,  Cash Advances,  FINANCE CHARGES,  late  charges,  and other 
fees,  if  any,  arising  from  the  use of  the Account  by me  or any  other  person  I permit  to use the 
Account,  even  if  that  person  exceeds  my  permission.   I cannot  disclaim  responsibility  by 
notifying  you,  although  you  will  close  the Account  if  I so request  and I will  return  all  Cards to 
you.   My obligation  to pay the Account  Balance  continues  even  though  an agreement,  divorce 
decree, or other  court  judgment  to which  you  are not  a party  may  direct  me  or one of the  other 
persons  responsible  to pay the  Account.   If  this  is  a joint  account,  each person  who uses  the 
Account  and/or  Card is  jointly  and severally  responsible  with  me  for charges  he or she makes, 
even  if  the  Account  and/or  Card is used  only  by one of  us.  I am  liable  to pay the  entire  balance 
of the  Account  even  if  the  joint  accountholder  is ordered by a court  to pay you  or if  the  joint 
accountholder  fails  to pay you  as ordered by the  court.   I understand  that  my  account  status  will 
continue  to be reported to credit  bureaus  under  each account  holder’s  name.   The  delivery  of 
notices  or billing  statements  to any  account  holder  constitutes  notice  to each  account  holder.   
You  may  rely  on instructions  given  by any  account  holder.   The  Cards remain  your  property  and 
I must  recover  and  surrender  to you  all  Cards upon  your  request  and/or  upon  termination  of this 
Account.  
 

AUTHORIZED  USERS:   I may  request  additional  Cards for  authorized  users.   I must  pay you 
for  all  charges  made by authorized  users.   I must  pay you  even  if  I did not  intend  to be 
responsible  for  those charges.   I must  notify  you  to withdraw  any  permission  I gave  to an 
authorized  user to use my  Account.    

UNAUTHORIZED  USE:   If  I notice  the  loss  or theft  of  my  Card, Account  number,  or PIN, or a 
possible  unauthorized  use of  my  Card, I should  call  you  immediately  at the  number  listed  on my 
periodic  statement.   I will  not be liable  for  any  unauthorized  use that  occurs  after  I notify  you.   I 
may,  however,  be liable  for  unauthorized  use that  occurs  before  my  notice  to you.   In any  case, 
my  liability  will  not  exceed $50.00.  My liability  may  be lower  in  cases of  MasterCard Credit 

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Card fraud  in  accordance  with  current  MasterCard  U.S.A., Inc. Operating  Regulations  and such 
liability  may  not  apply  when  the  Account  and/or  Card is  used to make  an electronic  transfer.  
 

TERMINATION:   You may  terminate  this  Agreement  upon  my  default.   Either  you  or I may 
terminate  this  Agreement  for other  good cause.   In no event  shall  any  termination  relieve  me of 
my  obligation  to repay the  Account  Balance.   I agree  to return  all  the  Cards issued  to me or any 
party  designated  by me.  
 

PLEDGE  OF SHARES:   If my  Card is  a Secured Card, I must  sign  a separate Share  Pledge 
Agreement.   When  doing  so, I understand  and agree that  I am pledging,  under  the Uniform 
Commercial  Code, shares  now or in  the  future  on deposit  in  my  regular  share account(s)  up to 
my  Credit  Limit.   I understand  that  I must,  at all  times,  keep a sum  equal  to my  Credit  Limit  on 
deposit  in  my  regular  share  account(s)  until  I repay my  entire  Account  Balance  and the  Account 
is  terminated.   I understand  and agree that  this  security  interest  will  cover  future  Purchases,  Cash 
Advances,  and Balance  Transfers  under  this  Agreement.   If  I default,  you  may  apply  these shares 
to repay  my  loan  in  accordance  with  federal  or other  law.   I understand  that  the  ANNUAL 
PERCENTAGE  RATE  quoted above  does not take into  account  the amount  pledged  in  my 
regular  share  account(s). 

TRANSACTION  SLIPS:   My periodic  statement  will  identify  the  merchant,  electronic  terminal, 
or financial  institution  at which  transactions  were  made, but  sales,  Cash Advance,  credit,  or other 
slips  cannot  be returned  with  the periodic  statement.   I will  retain  the  copy of such  slips  furnished 
at the time  of the transaction  in  order to verify  my  periodic  statement.   You may  make  a 
reasonable  charge  for  any  photocopies  or slips  I request.  
 

PLAN MERCHANT  DISPUTES:   You are not responsible  for  the  refusal  of any  plan  merchant 
or financial  institution  to honor  the  Account  and/or  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.  
 

RETURNS  AND ADJUSTMENTS:   Merchants  and  others  who honor  the Account  and/or  Card 
may  give  credit  for returns  or adjustments,  and they  will  do so by sending  you  a credit  slip  which 
you  will  post to the  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.  
 

SURRENDER  OF CARD(S):   The  Card(s) remains  your  property  and, if  you  request,  I must 
surrender  to you  all  Card(s) you  have  issued  on the  Account.  
 

PAYMENTS  MARKED  “PAYMENT  IN FULL:”   You may  accept checks, money  orders, or 
other  types  of payment  marked  “payment  in  full”  or using  other  language  to indicate  full 
satisfaction  of any  indebtedness,  without  being  bound  by such  language  or waiving  any  rights 

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under  this  Agreement.   Full  satisfaction  of  indebtedness  shall  be accepted by you  only  in  a 
written  agreement,  signed  by an authorized  representative.  
 

DELAY  IN ENFORCEMENT:  You can  delay  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  and agree  that  California’s  choice  of 
law  rules  shall  not  be applied  if  they  would  result  in  the application  of  non-California  law.   

INTEGRATED  DOCUMENT(S):   Any  separate sheet  of paper labeled  “Additional  Disclosure  – 
Federal  Truth-in-Lending  Act”  that  is  delivered  together  with  this  form  is an integrated  part of 
the  Agreement.   

MEMBERSHIP  REQUIREMENT:   I understand  and agree  that  I must  be and remain  a Member 
in  good standing  with  you  to be eligible  for continuing  Account  and/or  Card privileges,  including 
future  Purchases,  Balance  Transfers,  and Cash Advances.   I understand  and agree  that  you  may 
suspend  the Account  and/or  Card privileges  during  any  period  in  which  I do not  maintain  my 
Membership  with  you.   

CHANGE  OF TERMS:   This  Agreement  is the  contract  that  applies  to all  transactions  on the 
Account  even  though  the sales,  Cash Advance,  Credit,  or other  slips  I sign  or receive  may 
contain  different  terms.   I understand  and agree  that  you  may  amend,  modify,  add to, or delete 
from  this  Agreement  any  of  its  terms  and conditions  in  accordance  with  applicable  law. 

CREDIT  INFORMATION:   I authorize  you  to investigate  my  credit  standing  when  opening, 
renewing,  or reviewing  the Account,  and I authorize  you  to disclose  information  regarding  the 
Account  to credit  bureaus  and other  creditors  who inquire  of you  about  my  credit  standing  to the 
extend  authorized  by law.   

CHANGE  OF NAME, ADDRESS,  OR EMPLOYMENT  STATUS:   I understand  and agree  that 
I must  report  to you  any  change  in  my  name,  address, or employment  status.   

ACCURACY  OF INFORMATION:   The  information  provided  in  my  request  for  credit 
(application)  is accurate  and I will  notify  you  in  writing  immediately  if  there  is  a change  in  my 
financial  condition.   You  may  retain  the  application.   I understand  that  it  is  a violation  of Section 
1014, Title  18, United  States Code to make  false  statements  or overvalue  security  for  the purpose 
of inf1uencing  the action  of  any  federally- insured  credit  union.   You  may  gather  whatever  credit 
and/or  employment  information  you  deem necessary  and  appropriate  from  time  to time  and you 
may  give  information  concerning  your  credit  experience  with  me  to others. 

ADDITIONAL  TERMS  APPLICABLE  TO APPLE  PAY, ® ANDROID  PAY, ® GOOGLE 
PAY, ® AND OTHER  DIGITAL  WALLET  TRANSACTIONS
 

These  Terms  for  Adding  My Card to a Digital  Wallet  (the  “Terms”)  apply  when  I choose to add 

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an Orange  County’s  Credit  Union  Credit  Card (“Card”)  to a Digital  Wallet  (“Wallet”),  such  as 
Apple  Pay, Android  Pay,  or Google  Pay (“Wallet  Provider”).   When  I add a Card to the  Wallet,  I 
agree  to these  Terms: 

ADDING  MY CARD:   I can add an eligible  Card to the  Wallet  by following  the instructions  of 
the  Wallet  Provider.   Only  Cards that  you  indicate  are eligible  can be added to the  Wallet.   If  my 
Card or underlying  account  is not  in  good standing,  that  Card will  not  be eligible  to enroll  in  the 
Wallet.   When  I add a Card to the  Wallet,  the  Wallet  allows  me  to use  the Card to enter  into 
transactions  where  the Wallet  is accepted.  The  Wallet  may  not be accepted at all  places  where 
my  Card is accepted.  

MY CARD TERMS  DO NOT CHANGE:   The  terms  of  this  Agreement  and Disclosure 
Statement  do not change  when  I add my  Card to the  Wallet.   The  Wallet  simply  provides  another 
way  for me  to make  purchases  with  the Card.  Any  applicable  interest,  fees,  and charges  that 
apply  to my  Card will  also apply  when  I use the  Wallet  to access my  Card.  You  do not charge 
me  any  additional  fees for  adding  my  Card to the Wallet  or for  using  my  Card in  the Wallet.   The 
Wallet  Provider  and other  third  parties,  such  as wireless  companies  or data service  providers, 
may  charge  me  fees.   

YOU ARE  NOT RESPONSIBLE  FOR THE  WALLET:   You  are not  the provider  of  the Wallet, 
and you  are not responsible  for  providing  the  Wallet  service  to me.   You are only  responsible  for 
supplying  information  securely  to the Wallet  Provider  to allow  usage  of  the Card in  the Wallet.   
You  are not  responsible  for  any  failure  of the  Wallet  or the inability  to use  the Wallet  for  any 
transaction.   You  are not  responsible  for the  performance  or non-performance  of  the Wallet 
Provider  or any  other third  parties  regarding  any  agreement  I enter  into  with  the  Wallet  Provider 
or associated  third-party  relationships  that  may  impact  my  use of  the Wallet. 

CONTACTING ME ELECTRONICALLY  AND BY E-MAIL:   I consent  to receive  electronic 
communications  and disclosures  from  you  in  connection  with  my  Card and the  Wallet.   I agree 
that  you  can contact  me  by e-mail  at any  e-mail  address I provide  to you  in  connection  with  any 
account  with  you,  which  may  include  contact  from  companies  working  on your  behalf  to service 
my  accounts.   I agree to update  my  contact  information  with  you  when  it  changes.   

REMOVING  MY CARD  FROM THE  WALLET:   I should  contact  the Wallet  Provider  about 
how  to remove  my  Card from  the Wallet.   You  can block the  Card in  the  Wallet  from  purchases 
at any  time. 

ENDING OR CHANGING THESE  TERMS;  ASSIGNMENTS:   You  can terminate  these  Terms 
at any  time.   You  can also  change  these  Terms,  or add to, or delete  from  any  items  in  these 
Terms,  at any  time.   You  will  provide  notice  if  required  by law.  You can  also assign  these  Terms.   
I cannot  change  these  terms,  but I can terminate  these  Terms  at any  time  by removing  all  Cards 
from  the  Wallet.   I may  not  assign  these  Terms.   

PRIVACY:   My privacy  and the  security  of  my  information  are important  to you.  Our Privacy 
Policy  (available  here:  https://www.orangecountyscu.org/privacy-policy.php)  applies  to Cards in 
the  Wallet.   I agree that  you  may  share  my  information  with  the  Wallet  Provider,  a payment 

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network,  and  others  in  order to provide  the  services  I have  requested,  to make information 
available  to me  about my  Card transactions,  and  to improve  your  ability  to offer  these  services.   
This  information  helps  you  to add my  Card to the  Wallet  and to maintain  the  Wallet.   You  do not 
control  the  privacy  and security  of my  information  that  may  be held  by the  Wallet  Provider  and 
that  is  governed  by the  privacy  policy  given  to me by the  Wallet  Provider.   

NOTICES:   You  can provide  notices  to me concerning  these  Terms  and my  use of a Card in  the 
Wallet  by posting  the material  on your  Web site,  through  electronic  notice  given  to any  e-mail 
address or telephone  number  I provide  to you,  or by contacting  me  at the  current  address we have 
on file  for  me.   I may  contact  you  at:  (888) 354-6228.  

QUESTIONS:   If  I have  any  questions,  disputes,  or complaints  about  the Wallet,  I will  contact 
the  Wallet  Provider  using  the  information  given  to me  by the Wallet  Provider.   If  my  question, 
dispute,  or complaint  is about  my  Card, then  I will  contact  you  at:  (888) 354-6628. 

ADDITIONAL  TERMS  APPLICABLE  TO MASTERCARD  CHECKS  

CHECK USES:   I can use  the MasterCard  Convenience  Checks  (“Checks”  or “Check”)  to 
purchase  goods and services.   Use of the  Checks is a Cash Advance  on my  Account  and will  be 
subject  to the terms  and conditions  applicable  to Cash Advances  under  this  Agreement. 

LIMITATIONS:   You are not required  to honor  a Check that  will  cause  me to exceed my  Credit 
Limit.   You will  not  pay a Check if,  at the  time  the  Check is  presented,  I am in  default  or you 
have  suspended,  terminated,  or canceled  the Account.   Each  Check must  be in  the  form  you  have 
issued  to me.   Checks may  be used only  by the person(s)  whose  name(s)  is/are  printed  on the 
Check.  I am  responsible  for all  authorized  use of  the Checks.  I may  not  use the  Checks to pay 
any  amount  which  I owe you  pursuant  to this  Agreement. 

PERIODIC  STATEMENTS:   My  periodic  statement  will  show  me  an itemization  of the  Checks 
posted to the  Account  during  the billing  cycle.   Checks paid  by you  will  not be returned  to me 
with  my  periodic  statement.   

RETURNED  CHECK FEE:   You will  charge  a fee per returned  Check, which  will  be billed  to 
the  Account  if  my  Check cannot  be paid.  

STOP PAYMENT:   Provided  such  notice  is  timely  so that  you  shall  have  reasonable  opportunity 
to act upon  it  under  your  rules,  I may  order stop payment  on a check drawn  on the Account, 
other  than  one  that  has been guaranteed.   In  the event  of an oral  stop payment  order, the order 
shall  be valid  for  only  fourteen  (14) days  thereafter,  unless  confirmed  in  writing.   Written  stop 
payment  orders will  remain  in  effect  for  only  six  (6) months,  unless  renewed  in  writing.   I have 
the  burden  of establishing  the fact  and amount  of any  loss  resulting  from  payment  contrary  to a 
binding  stop payment  order.  You will  charge  a fee per Check when  I place a stop payment  on 
my  Check(s),  which  will  be billed  to my  Account.   

SURRENDER  OF MASTERCARD  CHECKS:   The  Checks are your  property.   You reserve  the 
right  to revoke them  at any  time.   I agree to return  them  at your  request.   

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COPY RECEIVED:   I acknowledge  receipt  of a copy of  this  Agreement  and agree  to accept its 
terms.   

NOTICE:   See the  statement  below  for  important  information  regarding  my  right  to dispute 
billing  errors.  

MY BILLING  RIGHTS 
Keep this  Document  for Future  Use 

This  notice  tells  me  about my  rights  and your  responsibilities  under  the  Fair Credit 
Billing  Act. 

WHAT  TO DO IF I FIND A MISTAKE  ON MY STATEMENT: 

If  I think  there  is  an error on my  statement,  write  to you  at the address on my  periodic  statement. 

In my  letter,  I should  give  you  the  following  information: 

· 

· 

· 

  Account  information:   My name  and account  number. 

Dollar  amount:   The  dollar  amount  of the  suspected  error. 

Description  of problem:   If I think  there  is an  error on my  bill,  I will  describe  what  I 
believe  is  wrong  and why  I believe  it  is  a mistake. 

I must  contact  you: 

· 

·  

Within  60 days  after  the  error appeared on my  statement. 

At least  3 business  days before  an automated  payment  is scheduled,  if  I want  to stop 
payment  on the  amount  I think  is  wrong. 

I must  notify  you  of any  potential  errors  in  writing.   I may  call  you,  but  if  I do you  are not 
required  to investigate  any  potential  errors  and I may  have  to pay the  amount  in  question. 

WHAT  WILL  HAPPEN AFTER  YOU RECEIVE  MY LETTER: 

When  you  receive  my  letter,  you  must  do two things: 

1.   Within  30 days  of receiving  my  letter,  you  must  tell  me that  you  received  my  letter.   You 

must  also  tell  me  if  you  have  already  corrected  the error. 

2.   Within  90 days  of receiving  my  letter,  you  must  either  correct the  error or explain  to me 

why  you  believe  the bill  is correct. 

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While  you  investigate  whether  or not  there  has been an error: 

·  

·  

·  

·  

You  cannot  try  to collect  the  amount  in  question,  or report me  as delinquent  on that 
amount. 

The  charge  in  question  may  remain  on my  statement,  and you  may  continue  to 
charge  me interest  on that  amount. 

While  I do not  have  to pay the amount  in  question,  I am  responsible  for the  remainder  of 
my  balance. 

You  can apply  any  unpaid  amount  against  my  credit  limit. 

After  you  finish  your  investigation,  one of  two things  will  happen: 

·  

·  

If  you  made a mistake:   I will  not have  to pay the  amount  in  question  or any 
interest  or other  fees  related  to that  amount. 

If  you  do not believe  there  was a mistake:   I will  have  to pay the amount  in 
question,  along  with  applicable  interest  and fees.   You  will  send me a statement  of the 
amount  I owe and the  date payment  is  due.  You  may  then  report me  as delinquent  if  I do 
not pay  the amount  you  think  I owe. 

If  I receive  your  explanation  but  still  believe  my  bill  is wrong,  I must  write  to you  within  10 days 
telling  you  that  I still  refuse  to pay.  If  I do so, you  cannot  report me  as delinquent  without  also 
reporting  that  I am  questioning  my  bill.   You  must  tell  me  the name  of anyone  to whom  you 
reported me  as delinquent,  and you  must  let  those  organizations  know  when  the  matter  has been 
settled  between  us. 

If  you  do not follow  all  of the  rules  above, I do not have  to pay the first  $50 of the  amount  I 
question  even  if  my  bill  is  correct. 

MY RIGHTS  IF I AM DISSATISFIED  WITH  MY CREDIT  CARD  PURCHASES 

If  I am  dissatisfied  with  the  goods or services  that  I have  purchased  with  my  Card, and I have 
tried  in  good faith  to correct the  problem  with  the  merchant,  I 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  my  home  state  or within  100 miles  of my  current 
mailing  address, and the  purchase  price  must  have  been more  than  $50.  (Note:  Neither 
of these  are necessary  if  my  purchase  was based on an  advertisement  you  mailed  to me, 
or if  you  own  the company  that  sold  me the  goods or services.) 

2.  

I must  have  used my  Card for the  purchase.   Purchases  made with  cash advances  from  an 

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ATM  or with  a check  that  accesses my  credit  card account  do not  qualify. 

3.  

I must  not  yet have  fully  paid  for the  purchase. 

If  all  of the  criteria  above are met  and I am  still  dissatisfied  with  the  purchase,  contact  us in 
writing  at the address on my  periodic  statement. 

While  you  investigate,  the  same  rules  apply  to the  disputed  amount  as discussed  above. 
After  you  finish  your  investigation,  you  will  tell  me your  decision.   At that  point,  if  you  think  I 
owe an amount  and I do not  pay, you  may  report  me as delinquent. 

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