P.O. Box 200  Whittier, CA 90608-0200 
(562) 698-8326  FAX (562) 698-2783  
www.cusocal.org 

CREDIT CARD ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT 

THIS IS YOUR CREDIT CARD  ACCOUNT  AGREEMENT  AND IT INCLUDES NECESSARY FEDERAL 
TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA PLATINUM REWARDS AND SECURED VISA 
PLATINUM REWARDS  AGREEMENTS,  AND  ANY SPECIAL INSTRUCTIONS REGARDING  THE USE 
OF YOUR VISA PLATINUM REWARDS AND SECURED VISA PLATINUM REWARDS CREDIT CARDS, 
AND/OR  ANY  OTHER  ACCOUNT  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 

APR For Balance Transfers 

VISA Platinum Rewards: _______% Introductory APR for 12 months.

After that, Your APR will be _______%. This APR may vary with the market based
on the Prime Rate. 

Secured VISA Platinum Rewards: _______% Introductory APR for 12 months.

After that, Your APR will be _______%. This APR may vary with the market based
on the Prime Rate. 

VISA  Platinum  Rewards:  _______%  Introductory  APR  for  12  months  from  the  date  of 
each transfer. 

After that, Your APR will be _______%. This APR may vary with the market based on the 
Prime Rate. 

Secured VISA Platinum Rewards: _______% Introductory APR for 12 months from the date 
of each transfer. 

After that, Your APR will be _______%. This APR may vary with the market based on the 
Prime Rate. 

APR For Cash Advances 

VISA Platinum Rewards: _______% 

This APR may vary with the market based on the Prime Rate. 

Secured VISA Platinum Rewards: _______% 

This APR may vary with the market based on the Prime Rate.

Penalty APR and When 
it Applies 

19.90% 

This APR may be applied to Your Account if: 

1) You make a late payment

Paying Interest 

How Long Will The Penalty APR Apply?  If Your APRs are increased for this reason, the 
Penalty APR applied to transactions that occur after the increase may be applied indefinitely. 
For transactions that occurred prior to the effective date of the increase, the increase will apply 
indefinitely unless 6 consecutive payments are received on or before the due date during the 
six-month period following such increase. 

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 balance owed by the due date each month. We 
will begin charging interest on balance transfers and cash advances on the transaction date. 

Minimum Interest Charge 

If You are charged interest, the charge will be no less than $0.50. 

For  Credit  Card  Tips  from  the 
Consumer Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a Credit Card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Transaction Fees 

 Cash Advance
 Foreign Transaction

2.00% of each advance 
1.00% of each foreign currency transaction in U.S. Dollars. 
0.80% of each U.S. Dollar transaction that occurs in a foreign country. 

Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.  

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      OTBS 016CC FRB_Web CUSC (7/19)  

Please refer to TOP OF PAGE 2 for more important information about Your Account 

Fees (continued) 

Penalty Fees 

  Returned Payment 
  Late Payment 

Up to $25.00 
Up to $10.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
Account Agreement for details. 

Loss of Introductory APR: We may end Your Introductory APR, and apply the Penalty APR if You make a late payment. 

Billing  Rights:  Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your   
Account Agreement. 

Please refer to PAGE 1 for more important information about Your Account 

DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean CREDIT UNION OF SOUTHERN CALIFORNIA. The words "You" and "Your" 
mean each person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card"  and "Credit Card" mean any VISA Platinum 
Rewards or Secured VISA Platinum Rewards Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the VISA Platinum Rewards or 
Secured VISA Platinum Rewards Credit Card Account established for You under this Agreement. "Convenience Check" means 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. 

PROMISE TO PAY. You understand that the following terms and conditions constitute Our Agreement with You. You may request advances 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 Your Account, with actual, apparent or implied authority for 
use of Your Account, including Finance Charges and other fees or charges described herein. 

Card Type 

Variable Rate 

Index 

Margin 

Monthly 
Periodic Rate 

ANNUAL 
PERCENTAGE RATE 

VISA Platinum Rewards 

____________ 

____________ 

____________ 

Secured VISA Platinum Rewards  

____________ 

____________ 

____________ 

____________ 

____________ 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
place that it is honored and to get cash advances at participating financial institutions. 
You agree not to use Your Card for illegal transactions including, but not limited to, 
advances made for the purpose of gambling and/or wagering where such practices 
are in violation of applicable state and/or federal law. 

SECURITY. Collateral (other than household goods or any dwelling) given as security 
under any other loan You may have with Us will 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 LIEN ON SHARES. You grant and consent to a lien on Your 
shares with Us (except for IRA and Keogh accounts) and any dividends 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 Rewards Credit Card, You agree to give Us a specific pledge of shares which 
will equal 105.00% of Your approved Credit Limit. In the event that You default on 
Your  Secured  VISA  Platinum  Rewards  Credit  Card,  We  may  apply  these  shares 
toward the repayment of any amount owed on such Credit Card. You may cancel Your 
Secured  VISA  Platinum  Rewards  Credit  Card  at  any  time  by  paying  any  amounts 
owed on such Card. 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. 

LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which 
You are approved. Unless You are in default, the Credit Limits established for You will 
generally be self-replenishing as You make payments. Your approved Credit Limit for 
cash advances will be a sum equal to 30.00% of Your approved total Credit Limit. 

You will keep Your unpaid balance within Your Credit Limit(s) set by Us, and You will 
pay any amount over Your Credit Limit(s) on Our demand whether or not We authorize 
the advances which caused You to exceed Your Credit Limit(s). Even if Your unpaid 
balance is less than Your Credit Limit(s), You will have no credit available during any 
time that any aspect of Your Account is in default. 

JOINT  ACCOUNTS.  Each  Borrower  will be responsible,  jointly  and severally,  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 provided telephonically, and only to 
the primary Borrower. 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 that You will only be charged periodic 
Finance  Charges  to  the  date  You  repay  Your  entire  balance.  You  may  make  larger 
payments without penalty. 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. 
We may apply each payment to whichever Card type We wish. Except as required by 
law,  We  may  apply  payments  at  Our  discretion.  Any  unpaid  portion  of  the  Finance 
Charge will be paid by subsequent 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 3.00% of Your new unpaid balance at 
the end of each billing cycle, subject to the lesser of $25.00 or Your balance, plus any 
portion of the Minimum Payments shown on prior statement(s) which remains unpaid, 
plus any amount that exceeds Your approved Credit Limit. 

You may, by separate agreement, authorize Us to charge Your payment directly to 
Your share or share draft account. 

FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Account,  the 
balances subject to the periodic Finance Charge are the average  daily transactions 
balances outstanding during the month (including new transactions).  

To get the average daily balance for purchases, We take the beginning balance of 
purchases on Your Account each day, add any new purchases, debit adjustments or 
other charges and subtract any payments, credits and unpaid Finance Charges. This 
gives Us the daily balance for purchases. Then, We add up all these daily balances 
for the billing cycle and divide them by the number of days in the billing cycle. The 
result is the average daily balance for purchases. The Finance Charge for a billing 
cycle is then computed by multiplying the average daily balance subject to a Finance 
Charge by the Monthly Periodic Rate. Your due date is at least 25 days after the close 
of each billing cycle. You can avoid Finance Charges on purchases by paying the full 
amount of the entire balance owed each month by the due date. Otherwise, the new 
balance of purchases, and subsequent purchases from the date they are posted to 
Your Account, will be subject to a Finance Charge. 

To get the average daily balance for balance transfers, We take the beginning balance 
of balance transfers on Your Account each day, add any new balance transfers, debit 
adjustments or other charges and subtract any payments, credits and unpaid Finance 
Charges. This gives Us the daily balance for balance transfers. Then, We add up all 
these daily balances for the billing cycle and divide them by the number of days in the 

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billing cycle. The result is the average daily balance for balance transfers. The Finance 
Charge for a billing cycle is then computed by multiplying the average daily balance 
subject  to  a  Finance  Charge  by  the  Monthly  Periodic  Rate.  Balance  transfers  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 the billing cycle in which the balance transfer is posted 
to Your Account. 

To get the average daily balance for cash advances, We take the beginning balance 
of cash advances on Your Account each day, add any new cash advances, debit 
adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid 
Finance  Charges.  This  gives  Us  the  daily  balance  for  cash  advances.  Then, We 
add up all these daily balances for the billing cycle and divide them by the number 
of  days  in  the  billing  cycle.  The  result  is  the  average  daily  balance  for  cash 
advances. The Finance Charge for a billing cycle is then computed by multiplying 
the  average  daily  balance  subject  to  a  Finance  Charge  by  the  Monthly  Periodic 
Rate. 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  the  billing  cycle  in 
which the cash advance is posted to Your Account. 

The total Finance Charge You owe for each billing cycle is the sum of all the Finance 
Charges due for the balances of purchases, balance transfers and cash advances. 

During  the  first  12  months  following  the  date  that  You  establish  a  VISA  Platinum 
Rewards  Credit  Card,  purchases  made  prior  to  the  end  of  the  60-day  period  that 
immediately  follows  the  date  that  Your  Account  is  established  will  be  subject  to  a 
discounted  Introductory  Monthly  Periodic  Rate  of  __________%  (corresponding 
ANNUAL  PERCENTAGE  RATE  _________%).  Upon  the  expiration  of 
the 
Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance 
of purchases existing at that time and in the future will immediately increase to the 
non-Introductory variable rate that would otherwise apply. 

For VISA Platinum Rewards, each balance transfer transaction, whenever made, will 
be  subject  to  a  discounted  Introductory  Monthly  Periodic  Rate  of  ______% 
(corresponding  ANNUAL  PERCENTAGE  RATE  _____%)  for  a  period  of  one-year 
from the date of such balance transfer.  Upon the expiration of the one-year Introductory 
Rate period for the transferred balance, the Monthly  Periodic Rate applicable to the 
transferred balance existing at that time and in the future will immediately increase to 
the non-Introductory variable rate that would otherwise apply. 

During  the  first  12  months  following  the  date  that  You  establish  a  Secured  VISA 
Platinum Rewards Credit Card, purchases made prior to the end of the 60-day period 
that immediately follows the date that Your Account is established will be subject to a 
discounted  Introductory  Monthly  Periodic  Rate  of  __________%  (corresponding 
ANNUAL  PERCENTAGE  RATE  _________%).  Upon  the  expiration  of 
the 
Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance 
of purchases existing at that time and in the future will immediately increase to the 
non-Introductory variable rate that would otherwise apply. 

For  Secured  VISA  Platinum  Rewards,  each  balance  transfer  transaction,  whenever 
made, will be subject to a discounted Introductory Monthly Periodic Rate of ______% 
(corresponding ANNUAL PERCENTAGE RATE _____%) for a period of one-year from 
the date of such balance transfer. Upon the expiration of the one-year Introductory Rate 
period  for  the  transferred  balance,  the  Monthly  Periodic  Rate  applicable  to  the 
transferred balance existing at that time and in the future will immediately increase to the 
non-Introductory variable rate that would otherwise apply. 

The minimum FINANCE CHARGE that You will be required to pay in any billing cycle 
that a Finance Charge is due is $0.50. 

VARIABLE  RATE.  For  purchases,  following  the  expiration  of  the  Introductory  Rate 
period, balances 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 on 
the last day of each calendar quarter of each year ("Index") plus Our Margin.  The Index 
plus the Margin equals the Interest Rate.  Changes in the Index will cause changes in 
the  Interest  Rate  on  the  day  that  the  Introductory  Rate  period  expires,  and 
subsequently, on the first day of the billing cycle of the month immediately following any 
such change in the Index. 

For balance transfers, following the expiration of the Introductory Rate period applicable 
to the transferred balance, such balance is 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 on the last day of each calendar quarter of each year ("Index") plus 
Our Margin.  The Index plus the Margin equals the Interest Rate.  Changes in the Index 
will cause changes in the Interest Rate on the day that the Introductory Rate period for 
the transferred balance expires, and subsequently, on the first day of the billing cycle 
of the month immediately following any such change in the Index. 

For  cash  advances,  balances  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 on the last day of each calendar quarter of each year ("Index'') plus Our Margin.  
The Index plus the Margin equals the Interest Rate.  Changes in the Index will cause 
changes in the Interest Rate on the first day of the billing cycle of the month immediately 
following any such change in the Index. 

For all balances, increases or decreases in the Interest Rate will cause like increases 
or  decreases  in  the  Finance  Charge  and  will  affect  the  number  of  Your  regularly 
scheduled payments. Your Interest Rate will never be greater than 19.90%, and will 
apply to Your remaining principal balance. 

LATE CHARGE. If Your payment is 14 or more days late, You will be charged the 
lesser of: (a) $10.00; or (b) the amount of the required minimum payment. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries and 
foreign currencies, the exchange rate between the transaction currency and the billing 
currency  (U.S.  dollars)  will  be: (a) a  rate selected  by  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. For transactions 
that  are  initiated  in  a  foreign  currency,  You  will  be  charged  1.00%  of  the  final 
settlement amount. For transactions occurring in foreign countries and initiated in U.S. 
Dollars, You will be charged 0.80% of the final settlement amount. 

OTHER FEES  AND CHARGES. You will be charged the following fees associated 
with the use of Your Card: (a) $25.00 or the required minimum payment amount for 
the returned payment, whichever is less, for any check (or other negotiable instrument 
used for payment) which is returned unpaid; (b) $20.00 for each Card that You request 
be provided on an expedited basis; (c) $10.00 for each  Convenience Check that You 
request stop payment; (d) $10.00 for the removal of a stop payment previously placed 
on a Convenience Check; (e) $3.00 each time You request We furnish a duplicate 
copy of a statement; (f) $15.00 each time You request We furnish a copy of any sales 
draft,  voucher  or  similar  document;  (g)  $25.00  each  time  a  Convenience  Check  is 
presented  for  payment  (when  there  is  insufficient  available  credit  to  pay  such 
Convenience Check), subject to a maximum of 3 such charges each calendar day; 
and (h) an amount equal to 2.00% of each cash advance. 

PERIODIC STATEMENTS. 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 month 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 cancelled 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 or liability. 

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) A judgment or tax lien should be filed against You or any 
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. 

Upon any occurrence of default, We may, to the extent permitted by law, cancel Your 
rights under this Agreement, require the return of all access devices and declare the 
entire  balance  of  every  Feature  Category  of  Your  Account  immediately  due  and 
payable, without prior notice or demand.  

PENALTY  RATE.  If  Your  payment  is  more  than  60  days  past  due,  subject  to 
applicable  law,  the  Monthly  Periodic  Rate  applicable  to  Your  entire  balance  of 
transactions will increase to a fixed Monthly Periodic Rate of 1.6584% (corresponding 
ANNUAL PERCENTAGE RATE 19.90%). During the six month period following such 
an  increase,  if  We  receive  the  first  six  consecutive  required  minimum  periodic 
payments when due, the rate applicable to the balance of transactions that occurred 
prior  to  the  effective  date  of  the  increase  will  be  returned  to  the  standard  rate  that 
would have otherwise been in effect. 

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 other costs incurred in collection and 
reasonable  attorneys'  fees  incurred  in  the  course  of  collecting  any  amounts  owed 
under this Agreement or in the recovery of any Collateral. 

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. 

Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.  

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NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or 
otherwise have a change of address. 

What To Do If You Find A Mistake On Your Statement 

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. 

If You think there is an error on Your statement, write to Us at P.O. Box 200, Whittier, 
CA 90608-0200. 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.

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.

You must contact Us: 

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. 
By signing the application; or by using Your Account or any Account access device; 
or by authorizing another to use Your Account, You agree to and accept its terms. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
to update information contained in Your original Account 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  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. 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 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. A Personal Identification 
Number (PIN) can be obtained for use with participating Automated Teller Machines 
(ATMs). This PIN is confidential and should 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 contain 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 Card. 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 at (866) 287-6225, or by writing to Us at P.O. 
Box 200, Whittier, CA 90608-0200. 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 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. 

TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic 
terminal  or  financial  institution  at  which  transactions  were  made,  but  sales,  cash 
advance, credit or other slips cannot be returned with the statement. 

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
or Convenience Checks, You will immediately call Us during regular business hours 
at (562) 698-8326 or (866) 287-6225, and after hours, on weekends and holidays, at 
(800) 556-5678. You may also write to Us at P.O. Box 200, Whittier, CA 90608-0200
to report lost or stolen Credit Cards or Convenience Checks.

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments, they 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 6 months.   




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. 

What Will Happen After We Receive Your Letter 

When We receive Your letter, We must do two things: 

1) Within 30 days of receiving Your letter, We must tell You that We received Your

letter. We will also tell You if We have already corrected the error.

2) Within  90  days  of  receiving  Your  letter,  We  must  either  correct  the  error  or

explain to You why We believe the bill is correct.

While We investigate whether or not there has been an error: 









We cannot try to collect the amount in question, or report You as delinquent on
that amount.
The charge in question may remain on Your statement, and We may continue
to charge You interest on that amount.
While You do not have to pay the amount in question, You are responsible for
the remainder of Your balance.
We can apply any unpaid amount against Your Credit Limit.

After We finish Our investigation, one of two things will happen: 





If We made a mistake: You will not have to pay the amount in question or any
interest or other fees related to that amount.
If We do not believe there was a mistake: You will have to pay the amount
in  question,  along  with  applicable  interest  and  fees.  We  will  send  You  a
statement  of  the  amount  You  owe  and  the  date  payment  is  due.  We  may
then  report  You  as  delinquent  if  You  do  not  pay  the  amount  We  think
You owe.

If You receive Our explanation but still believe Your bill is wrong, You must write to Us 
within 10 days telling Us that You still refuse to pay. If You do so, We cannot report 
You as delinquent without also reporting that You are questioning Your bill. We must 
tell You the name of anyone to whom We reported You as delinquent, and We must 
let those 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. 

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.

GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
State of California, except to the extent that such laws are inconsistent with controlling 
federal law. 

If  all  of  the  criteria  above  are  met  and  You  are  still  dissatisfied  with  the  purchase, 
contact Us in writing at P.O. Box 200, Whittier, CA 90608-0200.  

Your Billing Rights: Keep this Document for Future Use 

This notice tells You about Your rights and Our responsibilities under the Fair 
Credit Billing Act. 

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 FRB_Web CUSC (7/19)  

P.O. Box 200  Whittier, CA 90608-0200 
(562) 698-8326  FAX (562) 698-2783
www.cusocal.org 

PRICING INFORMATION ADDENDUM – 
CREDIT CARD ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT 

THIS IS YOUR CREDIT CARD  ACCOUNT  AGREEMENT  AND IT INCLUDES NECESSARY FEDERAL 
TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA PLATINUM REWARDS AND SECURED VISA 
PLATINUM REWARDS  AGREEMENTS,  AND  ANY SPECIAL INSTRUCTIONS REGARDING  THE USE 
OF YOUR VISA PLATINUM REWARDS AND SECURED VISA PLATINUM REWARDS CREDIT CARDS, 
AND/OR  ANY  OTHER  ACCOUNT  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 

APR For Balance Transfers 

VISA Platinum Rewards: 1.99% Introductory APR for 12 months.

that,  Your  APR  will  be  10.65%  -  17.65%,  based  on  Your

After 
creditworthiness at the time You establish Your Account. This APR will vary with 
the market based on the Prime Rate. 

Secured VISA Platinum Rewards: 1.99% Introductory APR for 12 months.

After that, Your APR will be 16.65%
 This APR will vary with the market based on the Prime Rate. 

VISA  Platinum  Rewards:  1.99%  Introductory  APR  for  12  months  from  the  date  of 
each transfer. 

After that, Your APR will be 10.65% - 17.65%, based on Your creditworthiness at the 
time  You  establish  Your  Account.  This  APR  will  vary  with  the  market  based  on 
the Prime Rate. 

Secured VISA Platinum Rewards: 1.99% Introductory APR for 12 months from the date of 
each transfer. 

After that, Your APR will be 16.65%  
 This APR will vary with the market based on the Prime Rate. 

APR For Cash Advances 

VISA Platinum Rewards: 10.65% - 17.65%, based on Your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

Secured VISA Platinum Rewards: 16.65% 

  This APR will vary with the market based on the Prime Rate. 

Penalty APR and When 
it Applies 

19.90% 

This APR may be applied to Your Account if: 
1) You make a late payment

How Long Will The Penalty APR Apply?  If Your APRs are increased for this reason, the 
Penalty APR applied to transactions that occur after the increase may be applied indefinitely. 
For transactions that occurred prior to the effective date of the increase, the increase will apply 
indefinitely unless 6 consecutive payments are received on or before the due date during the 
six-month period following such increase. 

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 balance owed by the due date each month. We 
will begin charging interest on balance transfers and cash advances on the transaction date. 

Minimum Interest Charge 

If You are charged interest, the charge will be no less than $0.50. 

Fees 

Transaction Fees 

 Cash Advance
 Foreign Transaction

2.00% of each advance 
1.00% of each foreign currency transaction in U.S. Dollars. 
0.80% of each U.S. Dollar transaction that occurs in a foreign country. 

Please refer to TOP OF PAGE 2 for more important information about Your Account 

Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.  

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Fees (continued) 

Penalty Fees 

 Returned Payment
 Late Payment

Up to $25.00 
Up to $10.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
Account Agreement for details. 

Loss of Introductory APR: We may end Your Introductory APR, and apply the Penalty APR if You make a late payment. 

Billing  Rights:  Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your 
Account Agreement. 

Please refer to PAGE 1 for more important information about Your Account

FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances 
outstanding during the month (including new transactions).  

To get the average daily balance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, debit adjustments or other 
charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all these daily balances for the 
billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then 
computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Your due date is at least 25 days after the close of each billing 
cycle.  You  can  avoid  Finance  Charges  on  purchases  by  paying  the  full  amount  of  the  entire  balance  owed  each  month  by  the  due  date.  Otherwise,  the  new  balance  of 
purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. 

To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account e ach day, add any new balance transfers, 
debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add 
up all these daily balances for the billing cycle  and divide them by the number of days in the billing cycle. The result is the average daily balance for balance transfers. 
The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge  by the Monthly Periodic Rate. Balance 
transfers 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 the billing cycle in which the balance 
transfer is posted to Your Account. 

To  get  the  average  daily  balance  for  cash  advances,  We  take  the  beginning  balance  of  cash  advances  on  Your  Account  each  day,  add  any  new  cash  advances,  debit 
adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these 
daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge 
for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 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 the billing cycle in which the cash advance is posted to Your Account. 

The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. 

During the first 12 months following the date that You establish a VISA Platinum Rewards Credit Card, purchases made prior to the end of the 60-day period that immediately 
follows the date that Your Account is established will be subject to a discounted Introductory Monthly Periodic Rate of 0.1658% (corresponding ANNUAL PERCENTAGE RATE 
1.99%). Upon the expiration of the Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of purchases existing at that time and in the future will 
immediately increase to the non-Introductory variable rate that would otherwise apply. 

For VISA Platinum Rewards, each balance transfer transaction, whenever made, will be subject to a discounted Introductory Monthly Periodic Rate of 0.1658% (corresponding 
ANNUAL PERCENTAGE RATE 1.99%) for a period of one year from the date of such balance transfer. Upon the expiration of the one-year Introductory Rate period for the 
transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-Introductory variable 
rate that would otherwise apply. 

During the first 12 months following the date that You establish a Secured VISA Platinum Rewards Credit Card, purchases made prior to the end of the 60-day period that 
immediately  follows  the  date  that  Your  Account  is  established  will  be  subject  to  a  discounted  Introductory  Monthly  Periodic  Rate  of  0.1658%  (corresponding  ANNUAL 
PERCENTAGE RATE 1.99%). Upon the expiration of the Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of purchases existing at that 
time and in the future will immediately increase to the non-Introductory variable rate that would otherwise apply. 

For  Secured  VISA  Platinum  Rewards,  each  balance  transfer  transaction,  whenever  made,  will  be  subject  to  a  discounted  Introductory  Monthly  Periodic  Rate  of  0.1658% 
(corresponding ANNUAL PERCENTAGE RATE 1.99%) for a period of one year from the date of such balance transfer.  Upon the expiration of the one-year Introductory Rate 
period for the transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-
Introductory variable rate that would otherwise apply. 

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 VISA Platinum Rewards, all balances not subject to an introductory rate will be charged finances at a variable Monthly Periodic Rate of 0.8875% to 1.4708 (corresponding 
ANNUAL PERCENTAGE RATE 10.65% - 17.65%), depending on Your creditworthiness. 

For Secured VISA Platinum Rewards, all balances not subject to an introductory rate will be charged finances at a variable Monthly Periodic Rate of 1.3875 (corresponding 
ANNUAL PERCENTAGE RATE 16.65%), depending on Your creditworthiness. 

VARIABLE RATE. For purchases, following the expiration of the Introductory Rate period, balances 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 on the last day of each calendar quarter of each year ("Index") plus Our Margin.  The Index plus the 
Margin equals the Interest Rate.  Changes in the Index will cause changes in the Interest Rate on the day that the Introductory Rate period expires, and subsequently, on the first 
day of the billing cycle of the month immediately following any such change in the Index. 

For balance transfers, following the expiration of the Introductory Rate period applicable to the transferred balance, such balance is 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 on the last day of each calendar quarter of each year ("Index") plus Our Margin.  

Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.  

         Page 2 of 3          

 OTBS 016ACC FRB_Web CUSC (7/19)  

The Index plus the Margin equals the Interest Rate.  Changes in the Index will cause changes in the Interest Rate on the day that the Introductory Rate period for the transferred 
balance expires, and subsequently, on the first day of the billing cycle of the month immediately following any such change in the Index. 

For cash advances, balances 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 
on the last day of each calendar quarter of each year ("Index'') plus Our Margin.  The Index plus the Margin equals the Interest Rate.  Changes in the Index will cause changes in 
the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. 

For all balances, increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled 
payments. Your Interest Rate will never be greater than 19.90%, and will apply to Your remaining principal balance. 

For VISA Platinum Rewards, the Margin applicable to Your Account will be 5.65% - 12.65% depending on Your creditworthiness. 

For Secured VISA Platinum Rewards, the Margin applicable to Your Account will be 11.65%. 

Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.  

         Page 3 of 3          

 OTBS 016ACC FRB_Web CUSC (7/19)