b'701 South China Lake Boulevard\nP. O. Box 1209\nRidgecrest, CA 93556-1209\n(760) 371-7000 or (800) 433-9727\nFAX (760) 371-7079\nWebsite: www.altaone.org\n\nCREDIT LINE ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\nTHIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY\nFEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA PLATINUM, VISA\nPLATINUM REWARDS, VISA BUSINESS PLATINUM REWARDS AND VISA PLATINUM\nSECURED AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF\nYOUR VISA PLATINUM, VISA PLATINUM REWARDS, VISA BUSINESS PLATINUM\nREWARDS AND VISA PLATINUM SECURED CREDIT CARDS, AND/OR ANY OTHER\nACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT\nCAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR) VISA Platinum:\nFor Purchases\n\n________%\n______%\n\nVISA Platinum Rewards:\n\nVISA Business Platinum Rewards: ______%\nVISA Platinum Secured:\n\n______%\n\nAnnual Percentage Rate (APR) VISA Platinum: ______% introductory APR until December 31, 2016\nFor Balance Transfers\nAfter that, Your APR will be ______%\nVISA Platinum Rewards: ______% introductory APR until December 31, 2016\nAfter that, Your APR will be ______%\nVISA Business Platinum Rewards: ______% introductory APR until December 31, 2016\nAfter that, Your APR will be ______%\nVISA Platinum Secured: ______% introductory APR until December 31, 2016\nAfter that, Your APR will be ______%\nAnnual Percentage Rate (APR)\nFor Cash Advances\n\nVISA Platinum: ______%\nVISA Platinum Rewards: ______%\nVISA Business Platinum Rewards: ______%\nVISA Platinum Secured: ______%\nSignature Line of Credit ______%\n\nPaying Interest\n\nFor VISA, We will not charge You interest on purchases if You pay Your entire balance\nowed each month within 25 days of Your statement closing date. For all Feature\nCategories, We will begin charging interest on cash advances and balance transfers on\nthe transaction date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a Credit Card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp:www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nFor VISA Platinum Secured, $30.00\nSEE PAGE 2 for more important information about Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.\n\nPage 1 of 6\n\nOTBS 016 FRB_WEB ALTA (12/15)\nRev. (12/15)\n\n\x0cFees (continued)\nTransaction Fees\n\n.\n.\n\nBalance Transfer\nForeign Transaction\n\n3.00% of each transfer ($5.00 minimum)\n1.00% of each U.S. Dollar transaction that occurs in a foreign country\n0.80% of each foreign currency transaction in U.S. dollars\n\nPenalty Fees\n\n.\n\nOver-the-Credit Limit\n\n.\n\nLate Payment\n\nExcept VISA Business Platinum Rewards, up to $25.00\nFor VISA Business Platinum Rewards, $25.00 per day\nExcept VISA Business Platinum Rewards and Signature Line of Credit, up to $25.00\nFor VISA Business Platinum Rewards and Signature Line of Credit, $25.00\n\nHow We Will Calculate Your Balance: We use a method called "daily balance." See Your Account Agreement for details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nSEE PAGE 1 for more important information about Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.\n\nPage 2 of 6\n\nOTBS 016 FRB_WEB ALTA (12/15)\nRev. (12/15)\n\n\x0cIn this Agreement, the reference to "We," "Us," "Our," and "Credit Union" mean ALTAONE FEDERAL CREDIT UNION. The words "You" and "Your" mean each person\naccepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA Platinum, VISA Platinum\nRewards, VISA Business Platinum Rewards and VISA Platinum Secured Credit Card issued to You by Us and any duplicates or renewals. "Convenience Checks" mean\nthe special Account access devices that We may provide for Your use from time to time.\nYou, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein\nconstitute 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\nrequests, advance request forms, vouchers, checks, charge slips, Convenience Checks, debit cards, ATM cards, Credit Cards, wire transfers, direct transfers and/or wire\ntransfers to specific payees identified by You, direct transfers to Your share/share draft or other Credit Union account and the like. Regardless of the means by which any\nadvance 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\nauthority for use of Your Account, including Finance Charges and other fees or charges described herein.\nFEATURE CATEGORIES. Your Account has Feature Categories which may include Signature Line of Credit, VISA Platinum, VISA Platinum Rewards, VISA Business\nPlatinum Rewards and VISA Platinum Secured.\n\nAccount\nFeature Categories\n\nDaily\nPeriodic Rate\n\nAnnual\nPercentage Rate\n\nVISA Platinum\nVISA Platinum Rewards\nVISA Business Platinum Rewards\nVISA Platinum Secured\nSignature Line of Credit\n\nTRANSACTIONS/ADVANCES. Whenever You request a transaction, We may\nrequire You to prove Your identity. Advances made on Your Account will be\nprocessed according to the instructions You give Us (such as by wire transfer,\ndirect transfer to Your Credit Union account or by other such means) and You\nauthorize Us to do this, or We may draw a draft or check made payable to You and\nmail it to You. When the amount advanced appears on a subsequent statement,\nthat will be conclusive evidence of Your advance request unless You notify Us that\nYou disagree with any such item appearing on Your periodic statement according\nto the provision of this Agreement titled "Your Billing Rights: Keep this Document\nfor Future Use". You understand that whether or not any specific secured advance\nrequest is approved may be determined by how much equity You have or will have\nin the shares, certificates and/or Collateral offered as security.\nSECURITY. As permitted by law, to secure all transactions under this Agreement\nin either joint or individual Accounts, We have the right to impress and enforce a\nstatutory lien against Your shares on deposit with Us (other than those deposits\nestablished under a governmental approved tax deferral plan such as an IRA or\nKeogh account), and any dividends due or to become due to You from Us to the\nextent that You owe on any unpaid balance on Your Account and We may enforce\nOur right to do so without further notice to You. Additionally, You agree that We\nmay set-off any mutual indebtedness.\nYou acknowledge that You own any certificates, shares and/or Collateral pledged\nas security and that there are no other liens against them other than Ours. You\nagree to perform all acts which are necessary to make Our security interest in the\ncertificates, shares and/or Collateral being pledged enforceable.\nFor advances under any certificate secured Feature Category, all certificates which\nare pledged as Collateral must be renewed until Your outstanding Account balance\nis paid in full. Failure to renew any certificates securing any advance will cause Your\nentire outstanding Account balance to become immediately due and payable.\nOTHER SECURITY. Collateral (other than household goods or any dwelling) given\nas security under this Agreement or for any other loan You may have with Us will\nsecure all amounts You owe Us now and in the future if that status is reflected in the\n"Truth-In-Lending Disclosure" in any particular Agreement evidencing such debt.\n\nCONSENSUAL LIEN. If You have been issued a VISA Credit Card, You grant\nand consent to a lien on Your shares with Us (except for IRA and Keogh\naccounts) and any dividends due or to become due to You from Us to the\nextent You owe on any unpaid VISA Credit Card balance.\nLINE OF CREDIT LIMITS. We will notify You of the Credit Limits given You for\nYour Account no later than the time of the first advance. We expect that You will\nmake repeated advances on Your Account and unless You are in default, Your\nCredit Limit will generally be self-replenishing as You make payments on Your\nAccount. VISA Platinum Secured advances are limited to the amount in Your\nsecured sub-share account, and will be self-replenishing as You make payments\non Your Account. VISA Platinum Secured Credit Limit increase requests will only\nbe considered after a six-month period has passed since Your Account was\nestablished and will only be granted in $100.00 increments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You will\npay any amount over Your Credit Limit on Our demand whether or not We\nauthorize the advances or transactions which caused You to exceed Your Credit\nLimit. Even if Your unpaid balance is less than Your Credit Limit, You will have no\ncredit available during any time that any aspect of Your Account is in default.\nCopyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.\n\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for\nthe repayment of amounts owed. If any Account access device, such as a\nPersonal Identification Number (PIN) is requested and approved, You understand\nthat any such Account access device(s) will be mailed only to the Borrower(s) at\nthe address that We have on file for You. We may refuse to follow any instructions\nwhich run counter to this provision.\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need\nonly pay the Minimum Monthly Payments, You understand that You have the right\nto repay Your Account at any time without penalty. You may make larger payments\nwithout penalty at any time. Any partial payment or prepayment of Your Account\nmay not delay Your next scheduled payment. All payments to Us must be in\nlawful money of the United States. We may apply each payment to whichever\nFeature Category We wish. Payments will be applied first to any Late Charges or\nFees owing, then to the Finance Charge due, then to the outstanding principal\nbalance. Any unpaid portion of the Finance Charge will be paid by subsequent\npayments and will not be added to the principal. You understand that any delay in\nthe repayment of Your unpaid balance will increase Your Finance Charges and\nany acceleration in the payment of Your unpaid balance will decrease Your\nFinance Charges.\nYou may, by separate Agreement, authorize Us to charge the Minimum Monthly\nPayment or Payment in Full automatically to Your Share or Share Draft Account.\nMinimum Monthly Payments will be 3.00% of Your outstanding Account balance at\nthe end of each billing cycle, which payment amount will be rounded up to the\nnearest dollar, subject to the lesser of $25.00 or Your Account balance.\nMinimum Monthly Payment calculations are based on the total outstanding\nbalance of Your Account as of the end of the billing cycle, including accrued\nFinance Charges and other applicable charges. Any previous Minimum Monthly\nPayments and/or other fees and charges that remain unpaid will be added to this\namount, and the total is Your Minimum Monthly Payment for that billing cycle.\nSKIP PAYMENT. If Your Account is in good standing, We may allow You to skip\ncertain payments each year. You will be notified in advance on Your Periodic\nStatement when a Minimum Monthly Payment due is shown. You may continue to\nmake regular payments if You wish and You will reduce the amount of Finance\nCharges that You will have to pay if You do so. You will not be charged a Late\nCharge for those payments skipped. However, Finance Charges will continue to\naccrue as set forth in this Agreement. The Periodic Statement sent to You\nimmediately following the Skip Payment period will indicate the Minimum Monthly\nPayment due. At that time, Your Minimum Monthly Payments will return to their\nregularly scheduled amounts and due dates as specified in this Agreement. You\nmay opt out of this program by contacting Us.\nLATE CHARGE (EXCEPT VISA). If Your payment is more than 14 days late, You\nwill be charged $25.00.\nOTHER FEES AND CHARGES. You will be charged a skip payment fee\nFINANCE CHARGE for each month that you skip a payment on Your Account. The\namount of such fee will be disclosed to you separately.\nFINANCE CHARGES (EXCEPT VISA). A Finance Charge will be assessed on\nany unpaid principal balance for each Feature Category of Your Account for the\nperiod such balance is outstanding. Balances change each time advances are\nmade, payments are made or credits given under any Feature Category. The\n\nPage 3 of 6\n\nOTBS 016 FRB_WEB ALTA (12/15)\nRev. (12/15)\n\n\x0cFinance Charge begins to accrue on the date of each advance and there is no\ngrace period.\n\nagencies, an insurer, or a state or federal licensing agency having any apparent\nlegitimate business need for such information.\n\nHOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA). For all\nFeature Categories (except VISA), the Finance Charge is determined by\nmultiplying Your unpaid balance at the close of each day in the billing cycle being\naccounted for by the applicable Daily Periodic Rate. The unpaid balance is the\nbalance each day after payments, credits, and unpaid Finance Charges to that\nbalance have been subtracted and any new advances, insurance premiums or\nother charges have been added to Your unpaid balance. These daily Finance\nCharges are then added together and the sum is the amount of the Finance\nCharge owed for the Feature Category being accounted for. The total Finance\nCharge You owe on Your Account for each billing cycle is the sum of all the\nFinance Charges due for all applicable Feature Categories.\n\nSPECIFIC TERMS APPLICABLE TO YOUR VISA PLATINUM,\nVISA PLATINUM REWARDS, VISA BUSINESS PLATINUM REWARDS AND\nVISA PLATINUM SECURED CREDIT CARDS\n\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement\nshowing all transactions on Your Account including amounts paid and borrowed\nsince Your last statement. If We have issued You a Credit Card, We will mail You\na statement each month in which there is a debit or credit balance or when a\nFinance Charge is imposed. We need not send You a statement if We feel Your\nAccount is uncollectible or if We have started collection proceedings against\nYou because You defaulted. Each statement is deemed to be a correct statement\nof Account unless You establish a billing error pursuant to the Federal\nTruth-In-Lending Act.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform\nany obligation under this Agreement, or any other agreement that You may have\nwith Us; or (b) You should die, become involved in any insolvency, receivership or\ncustodial proceeding brought by or against You; or (c) You have made a false or\nmisleading statement in Your credit application and/or in Your representations to\nUs while You owe money on Your Account; or (d) A judgment or tax lien should be\nfiled against You or any attachment or garnishment should be issued against any\nof Your property or rights, specifically including anyone starting an action or\nproceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in\ngood faith, believe Your ability to repay Your indebtedness hereunder is or soon\nwill be impaired, time being of the very essence.\nUpon any occurrence of default, We may, to the extent permitted by law, cancel\nYour rights under this Agreement, require the return of all access devices and\ndeclare the entire balance of Your Account immediately due and payable, without\nprior notice or demand.\nAs required by law, You are hereby notified that a negative credit report reflecting\non Your credit record may be submitted to a credit reporting agency if You fail to\nfulfill the terms of Your credit obligations.\nCOLLECTION COSTS. To the extent permitted by law, You will reimburse Us for\nall of Our costs and expenses, including reasonable attorneys\' fees incurred in the\ncourse of collecting any amounts owed under this Agreement or for the recovery\nof any collateral.\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act" and/or "Credit Line Account Advance\nRequest and Security Agreement" which is delivered together with this Agreement\nor provided at a later time is an integrated part of this Agreement and Disclosure.\nENFORCEMENT. We do not lose Our rights under this or any related agreement\nif We delay enforcing them. We can accept late payments, partial payments or any\nother payment marked "paid in full" without losing any of Our rights under this\nAgreement. If any provision of this or any related agreement is determined to be\nunenforceable or invalid, all other provisions remain in full force and effect.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us in writing promptly if\nYou move or otherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal\nTruth-In-Lending Act. To the extent permitted by law, the right to change the terms\nof this Agreement includes, but is not limited to, the right to change the periodic\nrate applicable to Your unpaid balance and/or future advances.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit\nunder this Agreement. However, You may purchase any credit insurance\navailable through Us and have the premiums added to Your outstanding Account\nbalance. If You elect to do so, You will be given the necessary disclosures and\ndocuments separately.\nCONSENT TO AGREEMENT. You acknowledge a receipt of a copy of this Credit\nLine Account Agreement and Disclosure. By signing the Application; by using\nYour PINs or other Account access device; by using Your Account or by\nauthorizing another to use Your Account, You agree to and accept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide\nfacts to update information contained in Your original Account Application or other\nfinancial information related to You, at Our request. You also agree that We may,\nfrom time to time, as We deem necessary, make inquiries pertaining to Your\nemployment, credit standing and financial responsibility in accordance with\napplicable laws and regulations. You further agree that We may give information\nabout the status and payment history of Your Account to consumer credit reporting\nCopyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.\n\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any\nplace that it is honored and to get cash advances from Us or another financial\ninstitution.You agree not to use Your Card for illegal transactions including, but not\nlimited to, advances made for the purpose of gambling and/or wagering where\nsuch practices are in violation of applicable state and/or federal law.\nISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue You,\nupon Your request, a Personal Identification Number (PIN) for use with Your Card.\nThis PIN is confidential and should not be disclosed to anyone. You may use Your\nPIN and Your Card to access Your Account and all sums advanced on Your credit\nline will be added to Your Account balance. In the event a use of Your PIN\nconstitutes an Electronic Fund Transfer, the terms and conditions of Your\nElectronic Fund Transfer Agreement may also affect Your rights.\nACCOUNT RESTRICTIONS. For VISA Platinum Secured, We will place and\nmaintain a hold on funds in a sub-account of Your Share Account ("sub-share\naccount") in an amount equal to Your approved VISA Platinum Secured credit\nlimit. This hold (security interest) will remain in effect while Your VISA Platinum\nSecured balance remains outstanding, subject to the terms of this agreement. In\norder to discontinue a VISA Platinum Secured Account, You must sign a\nShare Secured Voluntary Closure form available at any of Our offices. You must\nalso state the status of any Card(s) issued to You and list any outstanding charges.\nAll Share Secured Accounts will have the secured funds transferred immediately to\noffset any principal balance owing followed by any fees or Finance Charges owed\non the Credit Card. Accounts will be subject to a 15-day waiting period on any\nremaining funds in the sub-share account. Following the waiting period, any\nremaining funds will be transferred to the main share account and the sub-share\naccount will be flagged as closed. Any amount outstanding on Your account which\nexceeds Your sub-share account balance must be immediately paid in full.\nUNAUTHORIZED USE. For individual Accounts, You may be liable for the\nunauthorized use of Your Card. You will not be liable for the unauthorized use that\noccurs after You notify Us of the loss, theft, or possible unauthorized use by\ncalling Us during business hours at the telephone number shown in this\nAgreement. You may also notify Us of the loss, theft or possible unauthorized use\nby writing to Us at the address shown in this Agreement. In any case, Your liability\nwill not exceed $50.00.\nFor business Accounts, if We have issued You less than 10 Cards for the use of\nYour employees, You may be liable for the unauthorized use of Your Card. You\nwill not be liable for the unauthorized use that occurs after You notify Us of the\nloss, theft, or possible unauthorized use by calling Us during business hours at the\ntelephone number shown in this Agreement. You may also notify Us of the loss,\ntheft or possible unauthorized use by writing to Us at the address shown in this\nAgreement. In any case, Your liability will not exceed $50.00.\nFor Business Accounts in which We have issued 10 or more Cards for the use of\nYour employees, You may be liable for the entire amount of unauthorized use.\nHOW TO DETERMINE THE FINANCE CHARGE. The Finance Charge is\ndetermined by multiplying Your separate unpaid principal balances for purchases,\nbalance transfers and cash advances at the close of each day of the billing cycle\nbeing accounted for by the applicable Daily Periodic Rate after payments, credits\nand unpaid Finance Charges, Late Charges and Annual Cardholder Fees have\nbeen subtracted and new advances, insurance premiums or other charges have\nbeen added to Your unpaid balance. These daily Finance Charges are then added\ntogether and the sum is the amount of Finance Charge owed for that billing cycle.\nIf Your entire new balance is paid off within 25 days from the close of the billing\ncycle, there are no Finance Charges on the balance for purchases for the current\nbilling cycle.\nCash advances and balance transfers (including Convenience Checks and\noverdraft protection advances) are always subject to a Finance Charge from the\ndate they are posted to Your Account and are not subject to the grace period\ndescribed herein.\nBalance transfer transactions that occur during the period of _______________\nthrough ______________, will accrue finance charges at an introductory Daily\nPeriodic Rate of ___________% (corresponding to an ANNUAL PERCENTAGE\nRATE of __________%) until _____________. Upon the expiration of the\nintroductory rate period, the entire balance of balance transfers will be subject to\nthe non-introductory rate described elsewhere in this Agreement.\nOVERDRAFT PROTECTION. If You have an overdraft on Your share draft\naccount with Us, We may advance funds from Your VISA Card Account in the\namount necessary to clear such overdraft (or in such increments as We from time\nto time determine), subject to this provision. Whether or not such transfer occurs\nwill be controlled by this Agreement. Before we advance funds from Your VISA\nAccount to cover any overdraft, We will first attempt to clear Your share draft up to\nsix times per calendar month using available funds in your share draft account.\nWhether We pay any share draft drawn on Your share account will be governed\n\nPage 4 of 6\n\nOTBS 016 FRB_WEB ALTA (12/15)\nRev. (12/15)\n\n\x0cby the terms and conditions of the Agreements and Disclosures covering Your\nshare draft account. Only if We are unable to clear Your overdraft using available\nfunds may Your overdraft be cleared by an advance from Your VISA Card\nAccount. In any event, You hold Us harmless for any and all liability which might\notherwise arise if the transfer does not occur. Your overdraft protection under this\nprovision automatically ceases if this Agreement is ever cancelled or terminated.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries and\nforeign currencies, the exchange rate between the transaction currency and the\nbilling currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of\nrates available in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate VISA itself receives; or (b) the\ngovernment-mandated rate in effect for the applicable central processing date.\nFor transactions that are initiated in a foreign currency, You will be charged\n1.00% of the final settlement amount. For transactions occurring in foreign\ncountries and initiated in U.S. Dollars, You will be charged 0.80% of the final\nsettlement amount.\nTRANSACTION SLIPS. Your monthly statement will identify the merchant,\nelectronic terminal or financial institution at which transactions were made, but\nsales, cash advances, credit or other slips cannot be returned with the statement.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a credit slip which will be posted to\nYour Account. If Your credits and payments exceed what You owe Us, We will\nhold and apply this credit against future purchases and cash advances, or if it is\n$1.00 or more, refund it on Your written request or automatically deposit it to Your\nShare Account after 60 days.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using the Card contains terms, this Agreement\nis the contract which solely applies to all transactions involving the Card.\nLATE CHARGE. If Your scheduled Minimum Monthly Payment is more than\n14 days late, You will be charged a fee. Except for VISA Business Platinum,\nthe amount of such fee will equal the lesser of: (a) the amount of the\nminimum payment due; or (b) $25.00. For VISA Business Platinum, the fee will\nequal $25.00.\nANNUAL CARDHOLDER FEE. You will be charged a non-refundable, annual\nCardholder fee of $30.00 for Your participation in the VISA Platinum Secured\nprogram. You will be charged this annual fee the first day of the month following\neach annual renewal date. You agree to pay such a fee whether or not You use\nthe Account at any time during the year. After the first year, You will receive a\nnotice containing renewal instructions at least 30 days before We post the fee to\nYour Account. Payment of this fee does not guarantee that Your Account will not\nbe terminated.\n\nTERMS APPLICABLE TO ALL FEATURE CATEGORIES\nOWNERSHIP. All Account access devices remain Our property and may be\ncancelled by Us at any time without notice. You agree to surrender such Account\naccess devices and to discontinue their use immediately upon Our request.\nTERMINATION. Either You or We may cancel Your Account, at any time, whether\nor not You are in default. You will, in any case, remain liable to pay any unpaid\nbalances according to the terms of Your Account.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of California except to the extent that such laws are inconsistent with\ncontrolling federal law.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at Our address shown\nin this Agreement. In Your letter, give us the following information:\n\n.\n.\n.\n\nYou must contact Us:\n\n.\n.\n\nBALANCE TRANSFER FEE. You will be charged a fee for each such transfer.\nThe fee is a FINANCE CHARGE and will be an amount equal to the greater of\n$5.00 or 3.00% of the amount of the advance.\n\nWithin 60 days after the error appeared on Your statement.\nAt least 3 business days before an automated payment is scheduled, if\nYou want to stop payment on the amount You think is wrong.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do\nWe are not required to investigate any potential errors and You may have to pay\nthe amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1)\n\nWithin 30 days of receiving Your letter, We must tell You that We received\nexplain to You why We believe the bill is correct.\nWithin 90 days of receiving Your letter, We must either correct the error or\nexplain to You why We believe the bill is correct.\n\n2)\nOVER-THE-CREDIT LIMIT FEE. If You have affirmatively consented to allow Us\nto pay a transaction that would exceed Your Credit Limit and We have\nacknowledged Your consent as required by applicable law, subject to any\nlimitations imposed by applicable law, You will be charged a fee for each billing\ncycle during which You exceed Your Credit Limit by more than 10.00%. Except for\nVISA Business Platinum Rewards, the fee will be an amount equal to the lesser of:\n(a) $25.00; or (b) the amount by which You have exceeded Your Credit Limit. For\nVISA Business Platinum Rewards, the fee will be an amount equal to $25.00 for\neach day that You exceed Your Credit Limit by more than 10.00%.\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill, describe\nwhat You believe is wrong and why You believe it is a mistake.\n\nWhile We investigate whether or not there has been an error:\n\n.\n.\n.\n.\n\nWe cannot try to collect the amount in question, or report You as delinquent\non that amount.\nThe charge in question may remain on Your statement, and We may\ncontinue to charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible\nfor the remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nAfter We finish Our investigation, one of two things will happen:\nREFUSAL TO HONOR CONVENIENCE CHECKS OR VISA CREDIT CARD(S).\nWe are not liable for the refusal or inability of merchants, financial institutions and\nothers to accept Convenience Checks or Credit Card(s), or electronic terminals to\nhonor Convenience Checks or Credit Card(s) or complete a Credit Card\nwithdrawal, or for their retention of Convenience Checks or Credit Card(s).\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We may\nnot accept Your Convenience Checks if: (1) by paying a Convenience Check,\nYou would go over Your Credit Limit; (2) Your Convenience Check or\npayment check is postdated; (3) Your Cards or Convenience Checks have been\nreported lost or stolen; (4) Your Account has been cancelled or has expired. If a\npostdated Convenience Check is paid and as a result any other Convenience\nCheck is returned or not paid, We are not responsible for any resulting loss\nor liability.\nLOST OR STOLEN CARDS. To report a lost or stolen Card, Account Number,\nPIN or any combination thereof, You will call Us at (760) 371-7000 or (800)\n433-9727. You may call 24 hours a day seven days a week. To initiate a lost or\nstolen Card report, when you are outside of the United State, You can visit any\nfinancial institution that offers VISA card services. You may also write Us at\nAltaOne Federal Credit Union, P.O. Box 1209, Ridgecrest, CA 93556.\nLOST OR STOLEN CONVENIENCE CHECKS. To report a lost or stolen\nConvenience Check, You will call Us during business hours at (760) 371-7000 or\n(800) 437-9727. You may also write Us at AltaOne Federal Credit Union, P.O. Box\n1209, Ridgecrest, CA 93556.\n\nCopyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.\n\n.\n.\n\nIf We made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send You a\nstatement of the amount You owe and the date payment is due. We may\nthen report You as delinquent if You do not pay the amount We think\nYou owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must\nwrite to Us within 10 days telling Us that You still refuse to pay. If You do so,\nWe cannot report You as delinquent without also reporting that You are\nquestioning Your bill. We must tell You the name of anyone to whom we\nreported You as delinquent, and We must let those organizations know when the\nmatter has been settled between Us. If We do not follow all of the rules above,\nYou do not have to pay the first $50.00 of the amount You question even if Your\nbill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with\nYour Credit Card, and You have tried in good faith to correct the problem with the\nmerchant, You may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n\nPage 5 of 6\n\nOTBS 016 FRB_WEB ALTA (12/15)\nRev. (12/15)\n\n\x0c1)\n\n2)\n\nThe purchase must have been made in Your home state or within 100 miles of\nYour current mailing address, and the purchase price must have been more\nthan $50.00. (Note: Neither of these are necessary if Your purchase was\nbased on an advertisement We mailed to You, or if We own the company that\nsold You the goods or services.)\nYou must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\n\nCopyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.\n\n3)\n\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at Our address shown in this Agreement.\nWhile We investigate, the same rules apply to the disputed amount as discussed\nabove. After We finish Our investigation, We will tell You Our decision. At that point, if\nWe think You owe an amount and You do not pay, We may report You as delinquent.\n\nPage 6 of 6\n\nOTBS 016 FRB_WEB ALTA (12/15)\nRev. (12/15)\n\n\x0c701 South China Lake Boulevard\nP. O. Box 1209\nRidgecrest, CA 93556-1209\n(760) 371-7000 or (800) 433-9727\nFAX (760) 371-7079\nWebsite: www.altaone.org\n\nPRICING INFORMATION ADDENDUM\nCREDIT CARD ACCOUNT\nAGREEMENT AND DISCLOSURE\n\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA\nPLATINUM, VISA PLATINUM REWARDS, VISA BUSINESS PLATINUM REWARDS AND\nVISA PLATINUM SECURED CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS\nADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\nVISA Platinum: 14.99%\nVISA Platinum Rewards:\n\n- 17.99% based on Your creditworthiness.\n\n10.99%\n\nVISA Business Platinum Rewards: 10.99%\nVISA Platinum Secured: 17.99%\nAPR For Balance Transfers VISA Platinum: 0.00% introductory APR until December 31, 2016 (for transfers made by\nFebruary 29, 2016).\nAfter that, Your APR will be 14.99% - 17.99% based on Your creditworthiness.\nVISA Platinum Rewards: 0.00% Introductory APR until December 31, 2016 (for transfers made\nby February 29, 2016).\nAfter that, Your APR will be 10.99%.\nVISA Business Platinum Rewards: 0.00% introductory APR until December 31, 2016 (for\ntransfers made by February 29, 2016).\nAfter that, Your APR will be 10.99%.\nVISA Platinum Secured: 0.00% Introductory APR until December 31, 2016 (for transfers made\nby February 29, 2016).\nAfter that, Your APR will be 17.99%.\nAPR For Cash Advances\n\nVISA Platinum: 14.99% - 17.99% based on Your creditworthiness.\nVISA Platinum Rewards: 10.99%.\nVISA Business Platinum Rewards: 10.99%.\nVISA Platinum Secured: 17.99%.\n\nPaying Interest\n\nFor VISA, We will not charge You interest on purchases if You pay Your entire balance owed\neach month within 25 days of Your statement closing date. For all Feature Categories, We\nwill begin charging interest on cash advances and balance transfers on the transaction date.\n\nFees\nAnnual Fee\n\nFor VISA Platinum Secured, $30.00\n\nTransaction Fees\n\n.\n.\n\nBalance Transfer\nForeign Transaction\n\n3.00% of each transfer ($5.00 minimum)\n1.00% of each U.S. Dollar transaction that occurs in a foreign country\n0.80% of each foreign currency transaction in U.S. dollars\nSEE PAGE 2 for more important information about Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.\n\nPage 1 of 2\n\nOTBS 016 FRB_WEB ALTA (12/15)\nRev. (12/15)\n\n\x0cFees (continued)\nPenalty Fees\n\n.\n\nOver-The-Credit Limit\n\n.\n\nLate Payment\n\nExcept VISA Business Platinum Rewards, up to $25.00\nFor VISA Business Platinum Rewards, $25.00 per day\nExcept VISA Business Platinum Rewards, up to $25.00\nFor VISA Business Platinum Rewards, $25.00\n\nHow We Will Calculate Your Balance: We use a method called "daily balance." See Your Account Agreement for details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nSEE PAGE 1 for more important information about Your Account\n\nHOW TO DETERMINE THE FINANCE CHARGE. The Finance Charge is determined by multiplying Your separate unpaid principal balances for purchases, balance\ntransfers and cash advances at the close of each day of the billing cycle being accounted for by the applicable Daily Periodic Rate after payments, credits and unpaid\nFinance Charges, Late Charges and Annual Cardholder Fees have been subtracted and new advances, insurance premiums or other charges have been added to Your\nunpaid balance. These daily Finance Charges are then added together and the sum is the amount of Finance Charge owed for that billing cycle.\nIf Your entire new balance is paid off within 25 days from the close of the billing cycle, there are no Finance Charges on the balance for purchases for the current billing\ncycle.\nCash advances and balance transfers (including Convenience Checks and overdraft protection advances) are always subject to a Finance Charge from the date they are\nposted to Your Account and are not subject to the grace period described herein.\nFor all Credit Union cardholders, Purchase transactions are subject to a Daily Periodic Rate as follows.\nYour Daily Periodic Rate for Purchase transactions for VISA Platinum is 0.041068% - 0.049288% (corresponding to an ANNUAL PERCENTAGE RATE of 14.99% 17.99%), depending on Your creditworthiness.\nYour Daily Periodic Rate for Purchase transactions for VISA Platinum Rewards is 0.0301096% (corresponding to an ANNUAL PERCENTAGE RATE of 10.99%).\nYour Daily Periodic Rate for Purchase transactions for VISA Business Platinum Rewards is 0.0301096% (corresponding to an ANNUAL PERCENTAGE RATE of\n10.99%).\nYour Daily Periodic Rate for Purchase transactions for VISA Platinum Secured is 0.049288% (corresponding to an ANNUAL PERCENTAGE RATE of 17.99%).\nFor all cardholders, Balance Transfer transactions, made by February 29, 2016 are subject to an Introductory Daily Periodic Rate of 0.000000% (corresponding ANNUAL\nPERCENTAGE RATE 0.00%) until December 31, 2016. Upon the expiration of the Introductory Rate period the Daily Periodic Rate applicable to Your entire balance of\nBalance Transfers existing at that time and in the future will immediately increase to the non-introductory Daily Periodic Rate disclosed in this Agreement.\nFollowing the expiration of the Introductory Rate period Your Daily Periodic Rate for VISA Platinum will be 0.041068% - 0.049288% (corresponding to an ANNUAL\nPERCENTAGE RATE of 14.99% - 17.99%), depending on Your creditworthiness.\nFollowing the expiration of the Introductory Rate period Your Daily Periodic Rate for VISA Platinum Rewards will be 0.0301096% (corresponding to an ANNUAL\nPERCENTAGE RATE of 10.99%).\nFollowing the expiration of the Introductory Rate period Your Daily Periodic Rate for VISA Business Platinum Rewards will be 0.0301096% (corresponding to an ANNUAL\nPERCENTAGE RATE of 10.99%).\nFollowing the expiration of the Introductory Rate period Your Daily Periodic Rate for VISA Platinum Secured will be 0.049288% (corresponding to an ANNUAL\nPERCENTAGE RATE of 17.99%).\nFor all Credit Union cardholders, Cash Advance transactions are subject to a Daily Periodic Rate as follows.\nYour Daily Periodic Rate for Cash Advance transactions for VISA Platinum is 0.041068% - 0.049288% (corresponding to an ANNUAL PERCENTAGE RATE of 14.99% 17.99%), depending on Your creditworthiness.\nYour Daily Periodic Rate for Cash Advance transactions for VISA Platinum Rewards is 0.0301096% (corresponding to an ANNUAL PERCENTAGE RATE of 10.99%).\nYour Daily Periodic Rate for Cash Advance transactions for VISA Business Platinum Rewards is 0.0301096% (corresponding to an ANNUAL PERCENTAGE RATE of\n10.99%).\nYour Daily Periodic Rate for Cash Advance transactions for VISA Platinum Secured is 0.049288% (corresponding to an ANNUAL PERCENTAGE RATE of 17.99%).\n\nCopyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.\n\nPage 2 of 2\n\nOTBS 016 FRB_WEB ALTA (12/15)\nRev. (12/15)\n\n\x0c'