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CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT P.O. Box 200  Whittier, CA 90608-0200 (562) 698-8326  FAX (562) 698-2783www.cusocal.org THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERALTRUTH-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 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. APR For Balance Transfers VISA Platinum Rewards: %This APR may vary with the market based on the Prime Rate. Secured VISA Platinum Rewards: %This

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