Copyright Oak Tree Business Systems, Inc., 2019. Al l Rights Reserved.                                                      Page 1 of 4                                                                                                             OTBS 016CC F RB_Web SELC (8/19)                     
Rev. (10/19)     
CREDIT CARD ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT  
THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INC LUDES NECESSARY FEDERAL TRUTH-IN-
LENDING DISCLOSURE STATEMENTS, VISA PLATINUM, VISA PLATINU M (WITH INTRO RATE ON BALANCE 
TRANSFERS ), AND SECURED VISA PLATINUM AGREEMENTS, AND ANY SPECIA L INSTRUCTIONS REG ARDING 
THE USE OF YOUR VISA PLATINUM, VISA PLATINUM (WITH INTRO RATE ON BALANCE TRANSFERS) , OR 
SECURED VISA PLATINUM CREDIT CARDS, AND/OR ANY OTHER A CCOUNT ACCESS DEVICE. PLEASE BE 
CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US  AT ONCE IF ANY PARTS ARE UNCLEAR.  
Interest Rate and Interest Charges 
 
Annual Percentage Rate (APR) 
For Purchases   
VISA Platinum : __________ % 
These APRs will vary with the market based on the P rime Rate. 
 
VISA Platinum (with Intro Rate on Balance Transfers) : __________ % 
 These APRs will vary with the market based on the P rime Rate. 
 
Secured VISA Platinum : __________ % 
These APRs will vary with the market based on the P rime Rate.  
 
Annual Percentage Rate (APR) 
For Balance Transfers   
VISA Platinum : __________% 
These APRs will vary with the market based on the P rime Rate. 
 
VISA Platinum (with Intro Rate on Balance Transfers) : __________% Introductory APR 
for _____ months  
After that Your APR will be __________% , and will vary with the market based on the 
Prime Rate. 
 
Secured VISA Platinum:  __________% 
These APRs will vary with the market based on the P rime Rate.  
 
Annual Percentage Rate (APR) 
For Cash Advances   
VISA Platinum : __________% 
These APRs will vary with the market based on the P rime Rate. 
 
VISA Platinum (with Intro Rate on Balance Transfers):  __________%  
These APRs will vary with the market based on the P rime Rate. 
 
Secured VISA Platinum : __________% 
These APRs will vary with the market based on the P rime Rate.  
 
Paying Interest   
We will not charge You interest on purchases if You pay Your entire balance owed each 
month within 25 days of Your statement closing date.  We will begin charging interest on 
cash advances and balance transfers on the transacti on date.  
 
 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau  
To learn more about factors to consider when applyin g for or using a Credit 
Card,  visit the website of the Consumer Financial Protec tion Bureau at 
http://www.consumerfinance.gov/learnmore . 
Fees  
Set-up and Maintenance Fees 
 
� Additional Card Fee  
 
$5.00  
Transaction Fees 
 
� Foreign Transaction   
 
1.00%  of each foreign currency transaction in U.S. Dolla rs. 
1.00%  of each U.S. Dollar transaction that occurs in a f oreign country. 
 
Penalty Fees  
 
� Late Payment 
� Returned Payment  
 
 
Up to  $25.00  
Up to $25.00 
 
 
How We Will Calculate Your Balance:  We use a method called "average daily balance (includ ing new purchases)." See Your 
Account Agreement for details.  
 
Billing Rights: Information on Your rights to dispute transactions a nd how to exercise those rights is provided in Your  
Account Agreement.  925 Harlow Rd., Springfield, OR 97477 
Phone: 800-445-4483 
8.75 to 18.00 
N/A 
8.75 to 18.00 
8.75 to 18.00 
N/A 
N/A 
N/A 
8.75 to 18.00 
8.75 to 18.00 
N/A 
8.75 to 18.00  Copyright Oak Tree Business Systems, Inc., 2019. Al l Rights Reserved.                                                      Page 2 of 4                                                                                                             OTBS 016CC F RB_Web SELC (8/19)                     
Rev. (10/19)   
 
DEFINITIONS.  In this Agreement, the reference to ''We,� "Us," "O ur'' and "Credit Union" mean SELCO COMMUNITY CREDIT UN ION. The words "You"  and "Your'' mean each 
person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The w ords "Card" and "Credit Card" mean any VISA Platinum, VISA Platinum 
(with Intro Rate on Balance Transfers), or Secured VI SA Platinum Credit Card issued to You by Us and any  duplicates or renewals. The word "Account" means th e VISA Platinum, 
VISA Platinum (with Intro Rate on Balance Transfers), or Secured VISA Platinum Credit Card Account establis hed for You under this Agreement. "Convenience Check " means 
the special Account access devices that We may prov ide for Your use from time to time. If this is a joi nt Account, read singular pronouns in the plural. 
 
PROMISE TO PAY. You understand that the following terms and conditio ns constitute Our Agreement with You. You may request a dvances on Your Account through a variety 
of means which could include (but may not be limited  to) telephonic requests, Convenience Checks, Credit Cards and the like. Regardless of the means by which  any advance 
is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to You r Account, with actual, apparent or implied authority f or 
use of Your Account, including Finance Charges and ot her fees or charges described herein. 
 
 
Credit Card  Monthly Periodic Rate 
for Purchases ANNUAL PERCENTAGE RATE 
for Purchases  
 
VISA Platinum   
 
VISA Platinum (with Intro Rate on Balance Transfers ) 
 
Secured VISA Platinum   
____________% 
 
____________% 
 
____________%  
____________% 
 
____________% 
 
____________% 
 
Credit Card  Monthly Periodic Rate 
for Balance Transfers ANNUAL PERCENTAGE RATE 
for Balance Transfers  
 
VISA Platinum  
 
VISA Platinum (with Intro Rate on Balance Transfers ) 
 
Secured VISA Platinum   
____________% 
 
____________% 
 
____________%  
____________% 
 
____________% 
 
____________% 
 
Credit Card  Monthly Periodic Rate 
for Cash Advances ANNUAL PERCENTAGE RATE 
for Cash Advances  
 
VISA Platinum  
 
VISA Platinum (with Intro Rate on Balance Transfers )  
 
Secured VISA Platinum   
____________% 
 
____________% 
 
____________%  
____________% 
 
____________% 
 
____________% 
 
USE OF YOUR CARD.  You may use Your Card to buy goods and services in an y 
place that it is honored and to get cash advances a t participating financial institutions. 
You agree not to use Your Card for illegal transactions i ncluding, but not limited to, 
advances made for the purpose of gambling and/or wag ering where such practices 
are in violation of applicable state and/or federal law. 
 
PURCHASE MONEY SECURITY. For all purchase money transactions made with 
Your Card, to the extent permitted by law, You grant Us  a security interest in all such 
personal property purchased with such Card. 
 
OTHER SECURITY.  Collateral (other than household goods or any dwellin g) given as 
security under any other loan You may have with Us wil l secure all amounts You owe 
Us now and in the future if that status is reflected in the "Truth-in-Lending Disclosure" 
in any particular Agreement evidencing such debt.      
 
CONSENSUAL SECURITY INTEREST IN SHARES ON DEPOSIT. You grant 
and consent to a security interest in Your shares and d eposit accounts with 
Us (except for IRA and Keogh accounts) and any dividen ds due or to become 
due to You from Us to the extent You owe on any unpaid  Credit Card balance. 
 
ACCOUNT RESTRICTIONS.  In order to receive and maintain a Secured VISA 
Platinum Credit Card, You agree to give Us a specific p ledge of shares or deposits 
which will be equal to 105% of Your Credit Limit. In t he event that You default on Your 
Account, We may apply these shares toward the repaymen t of any amount owed on 
Your Secured VISA Platinum Credit Card. You may cancel You r Secured VISA 
Platinum Credit Card at any time by paying any amount s owed on such Account. To 
be certain that Your entire balance and all advances a re 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.  
 
LINE OF CREDIT LIMITS.  You will be notified of each specific Credit Limit f or which 
You are approved. Unless You are in default, the Credit  Limits established for You will 
generally be self-replenishing as You make payments. 
 
You will keep Your unpaid balance within Your Credit Limit set by Us, and You will 
pay any amount over Your Credit Limit on Our demand wh ether or not We authorize 
the advances which caused You to exceed Your Credit Lim it. Even if Your unpaid 
balance is less than Your Credit Limit, You will have n o credit available during any 
time that any aspect of Your Account is in default. 
 JOINT ACCOUNTS.  Each Borrower will be responsible, jointly and severall y, for the 
repayment of any amounts owed. If any Account access  device, such as a Personal 
Identification Number (PIN) is requested and approved,  You understand that any such 
Account access device(s) will be mailed only to the  primary Borrower at the address 
that We have on file for You. We may refuse to follow  any instructions which run 
counter to this provision. 
 
MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE).  Though You need only 
pay the Minimum Monthly Payments, You understand that  You have the right to repay 
at any time without penalty. You also understand tha t You will only be charged periodic 
Finance Charges to the date You repay Your entire bal ance. You may make larger 
payments without penalty. Any partial payment or pre payment will not delay Your next 
scheduled payment. All payments to Us must be in la wful money of the United States. 
Except as required by law, We may apply payments at Ou r discretion. Any unpaid 
portion of the Finance Charge will be paid by subsequ ent payments and will not be 
added to Your principal balance. You understand that any delay in the repayment of 
Your unpaid balance will increase Your periodic Finance  Charges and any 
acceleration in the repayment of Your unpaid balance  will decrease Your periodic 
Finance Charges. 
 
Minimum Payments will be an amount equal to 2.00% of  Your new unpaid VISA 
Platinum, VISA Platinum (with Intro Rate on Balance T ransfers), or Secured VISA 
Platinum balance at the end of each billing cycle, s ubject to the lesser of $25.00 or 
Your balance, plus any portion of the Minimum Paymen ts shown on prior statement(s) 
which remains unpaid, plus any amount that exceeds Yo ur approved Credit Limit. 
 
You may, by separate agreement, authorize Us to charge Y our payment directly to 
Your share or share draft account. 
 
FINANCE CHARGES. In the case of any transactions under Your Account, th e 
balances subject to the periodic Finance Charge are t he average daily transactions 
balances outstanding during the month (including new transactions). To get the 
average daily balance, We take the beginning balanc e of Your Account each day, add 
any new purchases, balance transfers, cash advances, i nsurance premiums, debit 
adjustments or other charges and subtract any paymen ts, credits and unpaid Finance 
Charges. This gives Us the daily balance. Then, We a dd up all the daily balances for 
the billing cycle and divide them by the number of days in the billing cycle. The Finance 
Charge for a billing cycle is computed by multiplying  the average daily balance subject 
to a Finance Charge by the Monthly Periodic Rate. 
 0.729 to 1.50 8.75 to 18.00 
N/A N/A 
0.729 to 1.50 8.75 to 18.00 
0.729 to 1.50 8.75 to 18.00 
N/A N/A 
0.729 to 1.50 8.75 to 18.00 
0.729 to 1.50 8.75 to 18.00 
N/A N/A 
0.729 to 1.50 8.75 to 18.00  Copyright Oak Tree Business Systems, Inc., 2019. Al l Rights Reserved.                                                      Page 3 of 4                                                                                                             OTBS 016CC F RB_Web SELC (8/19)                     
Rev. (10/19)  You can avoid Finance Charges on purchases by paying t he full amount of the entire 
balance owed each month within 25 days of Your statem ent closing date. Otherwise, 
the new balance of purchases, and subsequent purchas es from the date they are 
posted to Your Account, will be subject to a Finance  Charge. Balance transfers and 
cash advances are always subject to a Finance Charge  from the later of the date they 
are posted to Your Account or from the first day of t he billing cycle in which the 
transaction is posted to Your Account. 
 
For VISA Platinum (with Intro Rate on Balance Transfers),  balance transfer 
transactions obtained during the _____ day period imme diately following the date that 
Your Account is established, will accrue finance charge s at an introductory Monthly 
Periodic Rate of _____________% (corresponding to an ANNUAL PERCENTAGE 
RATE  of _____________%) until ______________. Upon the expiration of the 
introductory rate period, the entire balance of balance  transfers existing at that time 
and in the future will accrue finance charges at the n on-introductory variable rate 
described elsewhere in this Agreement. 
 
VARIABLE RATE.  For VISA Platinum and Secured VISA Platinum, all tran sactions 
are subject to a Variable Rate which is based on the  highest Prime Rate as published 
in the Money Rates section of the Wall Street Journa l in effect on the 15th day of the 
month that immediately precedes each Change Date ("I ndex") plus Our Margin. The 
Index plus the Margin equals the Interest Rate.  Ch anges in the Index will cause 
changes in the Interest Rate on the first day of th e billing that occurs during the first 
month of each calendar quarter ("Change Date"). 
 
For VISA Platinum (with Intro Rate on Balance Transfe rs), all purchase and cash 
advance transactions are subject to a Variable Rate w hich is based on the highest 
Prime Rate as published in the Money Rates section o f the Wall Street Journal in effect 
on the 15th day of the month that immediately preced es each Change Date ("Index") 
plus Our Margin. The Index plus the Margin equals th e Interest Rate.  Changes in the 
Index will cause changes in the Interest Rate on th e first day of the billing that occurs 
during the first month of each calendar quarter ("Cha nge Date").  Following the 
expiration of the Introductory Rate period, all balance  transfer transactions are subject 
to a Variable Rate which is based on the highest Prime  Rate as published in the Money 
Rates section of the Wall Street Journal in effect o n the 15th day of the month that 
immediately precedes each Change Date ("Index") plus Our Margin. The Index plus 
the Margin equals the Interest Rate.  Changes in th e Index will cause changes in the 
Interest Rate for balance transfers on the day the Introductory Rate period expires, and 
subsequently, on the first day of the billing that occurs during the first month of each 
calendar quarter ("Change Date"). 
 
For all VISA Cards, increases or decreases in the In terest Rate will cause like increases 
or decreases in the Finance Charge and will affect the number of Your regularly 
scheduled payments. For all VISA Cards, Your Interest  Rate will never be greater than 
18.00% and will apply to Your remaining principal ba lance. 
 
LATE CHARGE.  If Your payment is more than 10 days late, You will be charged the 
lesser of: (a) $25.00; or (b) the amount of the minimum  payment due. 
 
FOREIGN TRANSACTIONS.  For transactions initiated in foreign countries and 
foreign currencies, the exchange rate between the trans action currency and the billing 
currency (U.S. dollars) will be: (a) a rate selected by VIS A from the range of rates 
available in wholesale currency markets for the appli cable 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 p rocessing date. For transactions 
that are initiated in a foreign currency, You will be  charged 1.00% of the final 
settlement amount. For transactions occurring in foreig n countries and initiated in U.S. 
Dollars, You will be charged 1.00% of the final settle ment amount. 
 
OTHER FEES AND CHARGES.  You will be charged the following fees associated 
with the use of Your Card: (a) the lesser of $25.00 or t he required minimum payment 
amount for the returned payment for any check (or othe r negotiable instrument used 
for payment) which is returned unpaid; (b) $5.00 for ea ch replacement Card You 
request; (c) $5.00 for each replacement PIN You request ; (d) $5.00 for each Card You 
request be issued to a non-borrower (Authorized User); (e) $20.00 for each stop 
payment You request on a Convenience Check; (f) $6.0 0 for each statement copy 
You request; and (g) $15.00 per hour to research Your cred it card account. 
 
OVERDRAFT PROTECTION.  We may transfer funds in the amount necessary (or in 
such increments as We may from time to time determine ) to Your share draft account 
by an advance on Your Account, subject to this provisi on, to clear any overdraft on 
Your share draft account. Whether or not such transfers  occur will be controlled by 
this Agreement. In any event, You hold Us harmless fo r any and all liability which 
might otherwise arise if the transfer does not occur. Overdraft protection automatically 
ceases if this Agreement is ever cancelled or termin ated or Your Account is in default. 
 
ARBITRATION (EXCEPT FOR CREDIT COVERED UNDER THE MLA).  This 
provision does not apply to covered-loans extended to  covered borrowers as defined 
within the Military Lending Act (MLA). If We determine  You have met these definitions, 
then We will provide a military annual percentage rate  (MAPR) and payment obligation 
disclosure notice, in which case the following parag raph will not apply to You.  If We have determined that You did not meet the abov e referenced definitions, then 
the above described notice will not be furnished, i n which case if a dispute arises 
from or relates to this Agreement, or the breach the reof, any controversy or claim 
arising out of or relating to this Agreement, shall b e settled by arbitration 
administered by the American Arbitration Association in accordance with its 
Arbitration Rules and judgment on the award rendered by the arbitrator(s) may be 
entered in any court having jurisdiction thereof. Cl aims shall be heard by a single 
arbitrator, and both the place of arbitration, toget her with the laws governing such 
arbitration, shall be the area in which Our principal  office is located. Time is of the 
essence for any arbitration under this Agreement.  Ar bitration hearings shall take place 
within 90 days of filing, and awards shall be render ed within 120 days of filing. 
Arbitrator(s) shall agree to these limits prior to acce pting appointment. The 
arbitrators will have no authority to award punitiv e or other damages not measured 
by the prevailing party's actual damages, except as  may be required by statute. The 
arbitrator(s) shall award to the prevailing party, if any, as determined by the 
arbitrators, all of their costs and fees. "Costs and  fees" mean all reasonable pre-
award expenses of the arbitration, including the arb itrators' fees, administrative fees, 
travel expenses, out-of-pocket expenses such as copy ing and telephone, court 
costs, witness fees, and attorneys' fees. Except as  may be required by law, neither 
a party nor an arbitrator may disclose the existence, content, or results of any 
arbitration hereunder without the prior written conse nt of both parties. All parties 
hereby waive and give up all rights to a jury trial or class action relief.  
 
PERIODIC STATEMENTS.  On a regular basis, You will receive a statement show ing 
all transactions on Your Account including amounts pa id and borrowed since Your last 
statement.  We will mail You a statement each month in which the re 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 DEEME D 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 Car ds or Convenience 
Checks have been reported lost or stolen; (3) Your Acc ount has been cancelled or 
has expired. If a postdated Convenience Check is pai d and, as a result, any other 
Convenience Check is returned unpaid, We are not re sponsible for any resulting 
loss or liability. 
 
DEFAULT.  You will be in default if: (a) You do not make any pa yment or perform any 
obligation under this Agreement, or any other agreeme nt that You may have with Us; 
or (b) You should die, become involved in any insolve ncy, receivership or custodial 
proceeding brought by or against You; or (c) You have ma de a false or misleading 
statement in Your credit application and/or in Your re presentations to Us while You 
owe money on Your Account; or (d) A judgment or tax l ien should be filed against You 
or any attachment or garnishment should be issued agai nst any of Your property or 
rights, specifically including anyone starting an act ion 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. 
 
Upon any occurrence of default, We may, to the exten t permitted by law, cancel Your 
rights under this Agreement, require the return of all a ccess devices and declare the 
entire balance of every Feature Category of Your Account  immediately due and 
payable, without prior notice or demand.  
 
COLLECTION COSTS.  In the event collection efforts are required to obtain  payment 
on this Account, to the extent permitted by law, You  agree to pay all court costs, 
private process server fees, investigation fees or oth er costs incurred in collection and 
reasonable attorney s� fees incurred in the course of collecting any amoun ts owed 
under this Agreement or in the recovery of any Collate ral. 
 
ENFORCEMENT.  We do not lose Our rights under this or any related ag reement if 
We delay enforcing them. We can accept late payment s, partial payments or any other 
payments, even if they are marked "paid in full" wit hout 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 remai n in full force and effect. 
 
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 mailin g or 
delivering to You written notice of the changes as pres cribed by the Federal Truth-In-
Lending Act. To the extent permitted by law, the rig ht 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 advance s. 
 
CREDIT INSURANCE.  Credit insurance is not required for any extension of credit 
under this Agreement. However, You may purchase any cred it insurance available N/A 
N/A 
N/A N/A  Copyright Oak Tree Business Systems, Inc., 2019. Al l Rights Reserved.                                                      Page 4 of 4                                                                                                             OTBS 016CC F RB_Web SELC (8/19)                     
Rev. (10/19)  through Us and have the premiums added to Your outstand ing balance. If You elect 
to do so, You will be given the necessary disclosures and documents separately. 
 
INTEGRATED DOCUMENTS.  Any separate sheet of paper labeled "Additional 
Disclosure - Federal Truth-In-Lending Act," which is delivered together with this 
Agreement or at a later date becomes an integrated part  of this Agreement  
and Disclosure. 
 
CONSENT TO AGREEMENT.  You acknowledge receipt of a copy of this 
Agreement. By signing the application; or by using Yo ur Account or any Account 
access device; or by authorizing another to use Your A ccount, You agree to and 
accept its terms. 
 
UPDATING AND DISCLOSING FINANCIAL INFORMATION.  You will provide facts 
to update information contained in Your original Acco unt application 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 w ith applicable laws and 
regulations. You further agree that We may give informa tion about the status and 
payment history of Your Account to consumer credit repo rting agencies, a prospective 
employer or insurer, or a state or federal licensing agen cy having any apparent 
legitimate business need for such information.  
 
TERMINATION.  Either You or We may cancel Your Account at any time,  whether or 
not You are in default. You will, in any case, remai n liable to pay any unpaid balances 
according to the terms of Your Account. 
 
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. 
 
ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER.  We will issue, upon Your 
request, a Personal Identification Number (PIN) for us e with participating Automated 
Teller Machines (ATMs). This PIN is confidential and s hould not be disclosed to 
anyone. You may use Your PIN to access Your Account and  all sums advanced will 
be added to Your Account balance. In the event a use  of Your PIN constitutes an 
Electronic Fund Transfer, the terms and conditions of  Your Electronic Fund Transfer 
Agreement may also affect Your rights.  
 
EFFECT OF AGREEMENT.  Even though the sales, cash advance, credit or other  
slips You may sign or receive when using Your Card con tain terms, this Agreement is 
the contract which solely applies to all transactions  involving the Card. 
 
UNAUTHORIZED USE.  You may be liable for the unauthorized use of Your Ca rd. 
You will not be liable for the unauthorized use that occurs after You notify Us of the 
loss, theft, or possible unauthorized use by calling  Us (541) 686-8000 or (800) 445-
4483 during regular business hours, or (866) 262-9488 af ter hours, on weekends and 
on holidays, or by writing to Us at P.O. Box 7487, Sprin gfield, OR 97475. In any case, 
Your liability will not exceed $50.00. 
 
REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS.  We are not liable for 
the refusal or inability of merchants, financial inst itutions 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. 
 
TRANSACTION SLIPS.  Your monthly statement will identify that merchant, electronic 
terminal or financial institution at which transact ions were made, but sales, cash 
advance, credit or other slips cannot be returned wit h the statement. 
 
LOST CARDS OR CONVENIENCE CHECKS.  To report lost or stolen Credit Cards 
or Convenience Checks, You will immediately call Us a t (541) 686-8000 or (800) 445-
4483 during regular business hours, or (866) 262-9488 af ter hours, on weekends and 
on holidays or write to Us at P.O. Box 7487, Springfield , OR 97475 . 
  
CREDITS.  If a merchant who honors Your Card gives You credit for returns or 
adjustments, they will do so by sending Us a slip w hich will be posted to Your 
Account. If Your credits and payments exceed what Y ou 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 automatical ly deposit it to Your share 
account after six months.   
 
GOVERNING LAW.  This Agreement is controlled and governed by the law s of the 
State of Oregon, except to the extent that such laws are inconsistent with controlling 
federal law. 
      
Your Billing Rights: Keep this Document for Future Use 
 
This notice tells You about Your rights and Our respon sibilities under the Fair 
Credit Billing Act. 
 What To Do If You Find A Mistake On Your Statement 
 
If You think there is an error on Your statement, write  to Us at P.O. Box 7487, 
Springfield, OR 97475. In Your letter, give Us the foll owing information: 
 
� Account information: Your name and Account number. 
� Dollar amount: The dollar amount of the suspected erro r. 
� Description of problem: If You think there is an error on  Your bill, describe what 
You believe is wrong and why You believe it is a mista ke. 
 
You must contact Us: 
 
� Within 60 days after the error appeared on Your statem ent. 
� At least three business days before an automated pay ment 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 te ll You that We received Your 
letter. We will also tell You if We have already corre cted the error. 
2) Within 90 days of receiving Your letter, We must ei ther correct the error or 
explain to You why We believe the bill is correct. 
 
While We investigate whether or not there has been an e rror: 
 
� We cannot try to collect the amount in question, or report You as delinquent on 
that amount. 
� The charge in question may remain on Your statement, a nd We may continue 
to charge You interest on that amount. 
� While You do not have to pay the amount in question,  You are responsible for 
the remainder of Your balance. 
� We can apply any unpaid amount against Your Credit Lim it. 
 
After We finish Our investigation, one of two things wil l happen: 
 
� If We made a mistake: You will not have to pay the a mount in question or any 
interest or other fees related to that amount. 
� If We do not believe there was a mistake: You will h ave to pay the amount in 
question, along with applicable interest and fees. We will send You a statement 
of the amount You owe and the date payment is due. W e may then report You 
as delinquent if You do not pay the amount We think  You owe. 
 
If You receive Our explanation but still believe Your bill is wrong, You must write to Us 
within 10 days telling Us that You still refuse to pa y. If You do so, We cannot report 
You as delinquent without also reporting that You are q uestioning Your bill. We must 
tell You the name of anyone to whom We reported You as delinquent, and We must 
let those organizations know when the matter has be en settled between Us. If We do 
not follow all of the rules above, You do not have t o pay the first $50.00 of the amount 
You question even if Your bill is correct. 
 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
 
If You are dissatisfied with the goods or services t hat You have purchased with Your 
Credit Card, and You have tried in good faith to correc t the problem with the merchant, 
You may have the right not to pay the remaining amount  due on the purchase. To use 
this right, all of the following must be true: 
 
1) The purchase must have been made in Your home sta te or within 100 miles of 
Your current mailing address, and the purchase price m ust have been more than 
$50.00. (Note: Neither of these are necessary if Your pur chase was based on 
an advertisement We mailed to You, or if We own the company that sold You 
the goods or services.) 
2) You must have used Your Credit Card for the purchase . Purchases made with 
cash advances from an ATM or with a check that acces ses Your Credit Card 
account do not qualify. 
3) You must not yet have fully paid for the purchase.   
 
If all of the criteria above are met and You are still d issatisfied with the purchase, 
contact Us in writing at P.O. Box 7487, Springfield, OR  97475.  
 
While We investigate, the same rules apply to the di sputed amount as discussed 
above. After We finish Our investigation, We will te ll You Our decision. At that point, 
if We think You owe an amount and You do not pay, We  may report You as delinquent. 
  Copyright Oak Tree Business Systems, Inc., 2019. Al l Rights Reserved.                                                      Page 1 of 2                                                                                                          OTBS 016ACC FRB _Web SELC (8/19)                           
Rev. (10/19)   
 
  
PRICING INFORMATION ADDENDUM � 
CREDIT CARD ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT  
Interest Rate and Interest Charges 
 
Annual Percentage Rate (APR) 
For Purchases   
VISA Platinum:  __________ % 
These APRs will vary with the market based on the P rime Rate. 
 
VISA Platinum (with Intro Rate on Balance Transfers) : __________ % 
 These APRs will vary with the market based on the Prime Rate. 
 
Secured VISA Platinum:  __________ % 
These APRs will vary with the market based on the P rime Rate.  
 
Annual Percentage Rate (APR) 
For Balance Transfers   
VISA Platinum:  __________% 
These APRs will vary with the market based on the P rime Rate. 
 
VISA Platinum (with Intro Rate on Balance Transfers) : __________% Introductory APR 
for _____ months 
After that Your APR will be __________% , and will vary with the market based on 
the Prime Rate. 
 
Secured VISA Platinum:  __________% 
These APRs will vary with the market based on the P rime Rate.  
 
Annual Percentage Rate (APR) 
For Cash Advances   
VISA Platinum:  __________% 
These APRs will vary with the market based on the P rime Rate. 
 
VISA Platinum (with Intro Rate on Balance Transfers) : __________%  
These APRs will vary with the market based on the P rime Rate. 
 
Secured VISA Platinum:  __________% 
These APRs will vary with the market based on the P rime Rate.  
 
Paying Interest   
Your due date is at least 25 days after the close of  each billing cycle. We will not charge You 
interest on purchases if You pay Your entire balanc e owed by the due date each month. We 
will begin charging interest on balance transfers an d cash advances on the transaction date. 
 
Fees 
 
Set -up and Maintenance Fees 
 
� Additional Card Fee  
 
$5.00  
 
 
Transaction Fees  
 
� Foreign Transaction 
   
 
1.00 % of each foreign currency transaction in U.S. Dolla rs. 
1.00 % of each U.S. Dollar transaction that occurs in a fo reign country.  
 
 
Penalty Fees  
 
� Late Payment 
� Returned Payment 
   
 
Up to  $25.00 
Up to $25.00  
 
 
How We Will Calculate Your Balance:  We use a method called "average daily balance (includ ing 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 You r  
Account Agreement. 
 925 Harlow Rd., Springfield, OR 97477 
Phone: 800-445-4483  
8.75 to 18.00 
N/A 
8.75 to 18.00 
8.75 to 18.00 
N/A 
N/A N/A 
8.75 to 18.00 
8.75 to 18.00 
N/A 
8.75 to 18.00  Copyright Oak Tree Business Systems, Inc., 2019. Al l Rights Reserved.                                                      Page 2 of 2                                                                                                          OTBS 016ACC FRB _Web SELC (8/19)                           
Rev. (10/19)   
FINANCE CHARGES. In the case of any transactions under Your Account, t he balances subject to the periodic Finance Charge are  the average daily transactions balances 
outstanding during the month (including new transactio ns). To get the average daily balance, We take the b eginning balance of Your Account each day, add any new purchases, 
balance transfers, cash advances, insurance premiums , debit adjustments or other charges and subtract any  payments, credits and unpaid Finance Charges. This gives Us 
the daily balance. Then, We add up all the daily ba lances for the billing cycle and divide them by the  number of days in the billing cycle. The Finance Ch arge for a billing cycle 
is computed by multiplying the average daily balance  subject to a Finance Charge by the Monthly Periodic Rate. 
 
You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each mont h within 25 days of Your statement closing date. Ot herwise, the 
new balance of purchases, and subsequent purchases f rom the date they are posted to Your Account, will b e subject to a Finance Charge. Balance transfers and c ash advances 
are always subject to a Finance Charge from the later of the date they are posted to Your Account or from t he first day of the billing cycle in which the tran saction is posted to 
Your Account. 
 
For VISA Platinum (with Intro Rate on Balance Transfer s), balance transfer transactions obtained during the _ ____ day period immediately following the date that Your Account 
is established, will accrue finance charges at an i ntroductory Monthly Periodic Rate of _____________% (co rresponding to an ANNUAL PERCENTAGE RATE  of 
_____________%) until ______________. Upon the expira tion of the introductory rate period, the entire balanc e of balance transfers existing at that time and in the future will 
accrue finance charges at the non-introductory variable rate described elsewhere in this Agreement. 
 
For VISA Platinum, all balances will be charged financ es at a variable Monthly Periodic Rate of _______% -  _______% (corresponding ANNUAL PERCENTAGE RATE  
_______% - _______%), depending on Your creditworthine ss. 
 
For VISA Platinum (with Intro Rate on Balance Transfers),  all purchase and cash advance transactions will be  charged finances at a variable Monthly Periodic Rate o f _______% 
- _______% (corresponding ANNUAL PERCENTAGE RATE  _______% - _______%), depending on Your creditworth iness. 
 
For Secured VISA Platinum, all balances will be cha rged finances at a variable Monthly Periodic Rate o f  _______% - _______% (corresponding ANNUAL PERCENTAGE RATE   _______% 
- _______%), depending on Your creditworthiness. 
 
VARIABLE RATE.  For VISA Platinum and Secured VISA Platinum, all trans actions are subject to a Variable Rate which is based on the highest Prime Rate as published in the 
Money Rates section of the Wall Street Journal in e ffect on the 15th day of the month that immediately  precedes each Change Date ("Index") plus Our Margin . The Index plus the 
Margin equals the Interest Rate.  Changes in the Ind ex will cause changes in the Interest Rate on the fi rst day of the billing that occurs during the first month of each calendar 
quarter ("Change Date"). 
 
For VISA Platinum (with Intro Rate on Balance Transfers ), all purchase and cash advance transactions are su bject to a Variable Rate which is based on the highes t Prime Rate 
as published in the Money Rates section of the Wall  Street Journal in effect on the 15th day of the mont h that immediately precedes each Change Date ("Index" ) plus Our Margin. 
The Index plus the Margin equals the Interest Rate.  Changes in the Index will cause changes in the Int erest Rate on the first day of the billing that occ urs during the first month 
of each calendar quarter ("Change Date").  Followin g the expiration of the Introductory Rate period, all balance transfer transactions are subject to a Varia ble Rate which is based 
on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal in effect on the 15th day of the month that immediately prece des each Change Date 
("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate.  Changes in the Index wil l cause changes in the Interest Rate for balance tr ansfers on the day the 
Introductory Rate period expires, and subsequently, o n the first day of the billing that occurs during t he first month of each calendar quarter ("Change Dat e"). 
 
For all VISA Cards, increases or decreases in the In terest Rate will cause like increases or decreases in the Finance Charge and will affect the number of  Your regularly scheduled 
payments. For all VISA Cards, Your Interest Rate wil l never be greater than 18.00% and will apply to Yo ur remaining principal balance. 
 
For VISA Platinum, the Margin applicable to Your Account  will be _______ - _______ depending on Your creditw orthiness. 
 
For VISA Platinum (with Intro Rate on Balance Transfers), the Margin applicable to Your Account will be ______ _ - _______ depending on Your creditworthiness. 
 
For Secured VISA Platinum, the Margin applicable to Your Account will be _______ - _______ depending on Your creditworthiness. 
 
 N/A 
N/A 
N/A N/A 
8.75 18.00 
8.75 18.00 
8.75 
18.00 8.75 18.00 
8.75 18.00 8.75 
18.00 
4.00 14.00 
N/A N/A 
4.00 14.00