b'CREDIT LINE ACCOUNT\nAGREEMENT AND DISCLOSURE\nTHIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING\nDISCLOSURE STATEMENTS AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR MASTERCARD, STUDENT\nMASTERCARD, SECURED MASTERCARD AND PREMIER PRIVILEGES REWARDS MASTERCARD CREDIT CARDS AND\nOVERDRAFT LINE OF CREDIT AND PREMIER LINE OF CREDIT PRODUCTS AND ANY OTHER ACCOUNT ACCESS DEVICES.\nPLEASE READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\nAccount Number\n\nBorrower Name(s)\n\nCredit Limit\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\n______% introductory APR for ______ months.\nAfter that, Your APR will be ______%. This APR will vary with the market based on\n\nMastercard:\n\nthe Prime Rate.\n\n______% introductory APR for ______ months.\nAfter that, Your APR will be ______%. This APR will vary with the market based on\n\nStudent Mastercard:\n\nthe Prime Rate.\n\n______%\n\nSecured Mastercard:\nThis APR will vary with the market based on the Prime Rate.\n\n______% introductory APR for ______ months.\nAfter that, Your APR will be ______%.\n\nPremier Privileges Rewards Mastercard:\n\nAnnual Percentage Rate\n(APR) For Balance\nTransfers\n\nMastercard: _______% introductory APR for ______ months.\nAfter that, Your APR will be _______%. This APR will vary with the market based on the\nPrime Rate.\nStudent Mastercard: _______% introductory APR for ______ months.\nAfter that, Your APR will be _______%. This APR will vary with the market based on the\nPrime Rate.\nSecured Mastercard: _______%\nThis APR will vary with the market based on the Prime Rate.\nPremier Privileges Rewards Mastercard: _______% introductory APR for ______ months.\nAfter that, Your APR will be _______%.\n\nAnnual Percentage Rate\n(APR) For Cash Advance\n\nMastercard: _______% introductory APR for ______ months.\nAfter that, Your APR will be _______%. This APR will vary with the market based on the\nPrime Rate.\nStudent Mastercard: _______% introductory APR for ______ months.\nAfter that, Your APR will be _______%. This APR will vary with the market based on the\nPrime Rate.\nSecured Mastercard: _______%\nThis APR will vary with the market based on the Prime Rate.\nPremier Privileges Rewards Mastercard: _______% introductory APR for ______ months.\nAfter that, Your APR will be _______%.\nSEE PAGE 2 for more important information about Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2014-2021. All Rights Reserved.\n\nPage 1 of 7\n\nOTBS 016 FRB Web PREM (3/21)\n\n\x0cInterest Rate and Interest Charges (continued)\nAnnual Percentage Rate\n(APR) For Cash Advance\n(continued)\n\nOverdraft Line of Credit: _______%\nThis APR will vary with the market based on the Prime Rate.\nPremier Line of Credit: _______%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When\nit Applies\n\nFor Overdraft Line of Credit and Premier Line of Credit: ________%\nThis APR may be applied if:\n1) You make a late payment.\n2) You are otherwise in default.\nHow Long Will The Penalty APR Apply? If Your APR is increased for this reason, the\nPenalty APR will be applied indefinitely to Your entire balance existing at that time and in\nthe future.\n\nPaying Interest\n\nFor Credit Cards, Your due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by the due date each\nmonth. For all Feature Categories We will begin charging interest on balance transfers and cash\nadvances on the 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, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n\xef\x82\xb7\n\nForeign Transaction\n\n\xef\x82\xb7\n\nCash Advance\n\nFor Credit Cards (except Premier Privileges Rewards Mastercard), 1.00% of each foreign\ncurrency transaction in U.S. Dollars.\nFor Credit Cards (except Premier Privileges Rewards Mastercard), 1.00% of each U.S. Dollar\ntransaction that occurs in a foreign country.\nFor Credit Cards, the greater of 3.00% of each transaction or $3.00.\n\nPenalty Fees\n\xef\x82\xb7\n\nLate Payment\n\n\xef\x82\xb7\n\nOver-the-Credit Limit\n\nExcept Credit Cards, $15.00\nFor Credit Cards, up to $15.00\nExcept Credit Cards, $10.00\n\nHow We Will Calculate Your Balance: For all Products (except Mastercard), We use a method called "daily balance." For\nMastercard, We use a method called "average daily balance (including new purchases)." 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.\n\nSEE PAGE 1 for more important information about Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2014-2021. All Rights Reserved.\n\nPage 2 of 7\n\nOTBS 016 FRB Web PREM (3/21)\n\n\x0cIn this Agreement, the references to "We," "Us," "Our," and "Credit Union" mean PREMIER AMERICA CREDIT UNION. The words "You" and "Your" mean each person\naccepting this Agreement. The words "Card" and "Credit Card" mean any Mastercard, Student Mastercard, Secured Mastercard, or Premier Privileges Rewards Mastercard\nCredit Card issued to You by Us and any duplicates or renewals. If this is a joint account, read singular pronouns in the plural.\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. Your Account may be accessible through a variety of means which could include advance request forms, vouchers, convenience checks,\ncharge slips, credit cards, telephone access, personal computer access, ATMs or other mechanical/electronic means and the like. Regardless of the access means, You\npromise to pay Us all amounts charged or advanced to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for\nuse of Your Account, including Finance Charges and other fees or charges described herein. You may terminate the use of Your Account by an authorized user by preventing\nthe use of any Account access device (such as a Credit Card or PIN) by that user and by notifying Us in writing that any such user is no longer authorized to use Your Account.\nYou understand that all advances are subject to Our prior approval.\nPRODUCTS\nYour Account has products which may include Mastercard, Student Mastercard, Secured Mastercard, Premier Privileges Rewards Mastercard, Overdraft Line of Credit, and\nPremier Line of Credit.\n\nVariable Rate\nProduct\n\n_____________________________\n\nIndex\n\nMargin\n\n____________\n\n____________\n\nProduct\n\n_____________________________\n\nTRANSACTIONS/ADVANCES\nWhenever You request a transaction or an advance, We may require You to prove\nYour identity. If You request an advance by telephone, We will deposit the amount\nrequested in Your share savings account or Your checking account (or any other\naccount as directed by You) and You authorize Us to do this, or We will draw a draft\nor check made payable to You and mail it to You. When the amount advanced\nappears on a subsequent statement, that will be conclusive evidence of Your\ntelephone request. Advances for all products (except for Credit Card purchases and\nexcept for Credit Card cash advances made at Premier America Credit Union office\nlocations) are subject to a minimum of $100.00.\nSECURITY\nAs permitted by law, to secure all transactions under this Agreement in either joint or\nindividual Accounts, We have the right to impress and enforce a statutory lien against\nYour shares on deposit with Us (other than those deposits established under a\ngovernmental approved tax deferral plan such as an IRA or Keogh account) and any\ndividends due or to become due to You from Us to the extent that You owe on any unpaid\nbalance on Your Account and We may enforce Our right to do so without further notice\nto You. Additionally, You agree that We may set off any mutual indebtedness.\nOTHER SECURITY/CROSS COLLATERAL\nCollateral (other than household goods or any dwelling) given as security for any other\nloan You may have with Us both now and in the future will, in addition to securing all\npresently existing debts and liabilities You owe to Us, secure all future advances We\nmake to You or for Your Account, including advances for reasonable attorneys\' fees,\ncourt costs and/or collection agency fees and costs incurred in the collection of all\nindebtedness. Such Collateral shall include any and all accessions, related insurance\nproceeds or insurance premium refunds.\nACCOUNT RESTRICTIONS\nIn order to receive and maintain a Share Secured product (such as Secured\nMastercard), You agree to give Us a specific pledge of shares which will be equal to\n110.00% of Your approved Credit Limit. In the event that You default on Your Account,\nWe may apply these shares toward the repayment of any amount owed on Your Share\nSecured product. You may cancel Your Share Secured product at any time by paying\nany amounts owed on Your specific Share Secured product and returning any access\ndevices. To be certain that Your entire balance and all advances on Your Account are\npaid, any shares pledged may not be available for 30 days after You have cancelled\nany such account product.\nCopyright Oak Tree Business Systems, Inc., 2014-2021. All Rights Reserved.\n\nDaily\nPeriodic Rate\n\nAnnual\nPercentage Rate\n\n_______________%\n\n_______________%\n\nIntroductory\nDaily\nPeriodic Rate\n\nIntroductory\nAnnual\nPercentage Rate\n\n_______________%\n\n_______________%\n\nLINE OF CREDIT LIMIT\nYou will be notified of Your specific credit limits which are available under Your\nAccount. Unless You are in default, the credit limits established for You will generally\nbe self-replenishing as You make payments on Your Account.\nYou will keep Your unpaid balance within the credit limits set by Us, and You will pay\nany amount over the credit limits on Our demand whether or not We authorize the\nadvances which caused You to exceed Your credit limits.\nFor Credit Cards, Your available credit will be reduced by pending transactions that\nhave not yet been posted to Your Account. Such a "hold" on Your available credit\nmight remain in effect until the earlier of the date that the transaction actually posts to\nYour Account for a corresponding amount or 10 business days. In the event that a\ntransaction posts for an amount that is different than a pending transaction, Your\navailable credit will still be reduced by an amount that corresponds to the related\npending transaction for up to 10 business days.\nJOINT ACCOUNTS\nEach borrower will be responsible, jointly and severally, for the repayment of any\namounts owed. If any Account access device, such as a Personal Identification\nNumber (PIN), is requested and approved, You understand that any such Account\naccess device(s) will be mailed only to the primary borrower(s) at the current address\nof record at the Credit Union. We may refuse to follow any instructions which run\ncounter to this provision.\nFINANCE CHARGES (EXCEPT CREDIT CARDS)\nThe balances subject to the periodic Finance Charge are the daily ending balances\noutstanding for each day during the billing cycle. To get the daily ending balance, We\ntake the beginning balance of Your account each day, add any new advances,\ninsurance premiums, debit adjustments and any applicable fees, and subtract any\npayments, credits and unpaid Finance Charges and late fees. The Finance Charge is\ncomputed by multiplying the Daily Periodic Rate by the daily ending balance\noutstanding for each day of the billing cycle. The daily Finance Charges are added\ntogether and the sum is the amount of Your total new Finance Charge due. There is\nno grace period.\nCREDIT CARD FINANCE CHARGES\nThe balances subject to the periodic Finance Charge are the average daily\nbalances outstanding during the billing cycle. The Finance Charge for a billing cycle\n\nPage 3 of 7\n\nOTBS 016 FRB Web PREM (3/21)\n\n\x0cis computed by applying the Daily Periodic Rate to the average daily balance during\nthe billing cycle. To get the average daily balance, We take the beginning balance\nof Your Account each day, add any new purchases, balance transfers, cash\nadvances, insurance premiums, debit adjustments and any applicable fees, and\nsubtract any payments, credits and unpaid Finance Charges or Late Fees. Then,\nWe add up all the daily balances for the billing cycle and divide them by the number\nof days in the billing cycle which We multiply by the Daily Periodic Rate. These daily\nFinance Charges are then added together and the sum is the amount of Your total\nnew Finance Charge due.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire\nbalance owed each month within 25 days of Your statement closing date. Otherwise,\nthe new balance of purchases, and subsequent purchases from the date they are\nposted to Your Account, will be subject to a Finance Charge. Balance transfers and\ncash advances are always subject to a Finance Charge from the date they are posted\nto Your Account.\n\nan amount that causes Your balance to exceed 120 percent of Your Credit Limit;\nwhichever is less.\nMONTHLY PAYMENT SCHEDULE\nThough You need only pay the Current Payment due shown on Your monthly\nstatement, You understand that You have the right to repay Your Account or make\nlarger payments on Your Account at any time without penalty. You also understand\nthat You will be charged periodic Finance Charges to the date You repay Your entire\nAccount balance. Any partial payment or prepayment of Your Account will not delay\nYour next scheduled payment. All payments to Us must be in lawful money of the\nUnited States. Payments will be applied first to collection costs, then to any Finance\nCharges due, then to any Fees and Charges owing, then to the outstanding principal\nbalance. Any unpaid portion of the Finance Charge will be reduced by subsequent\npayments and will not be added to the principal balance. You understand that any\ndelay in the repayment of Your unpaid balance will increase Your periodic Finance\nCharges and any acceleration in the repayment of Your unpaid balance will decrease\nYour periodic Finance Charges.\n\nYour Mastercard is subject to a discounted introductory Daily Periodic Rate as set\nforth herein for the initial six-month period. Upon the expiration of the introductory\nrate period, Your Daily Periodic Rate will increase to the non-introductory Daily\nPeriodic Rate (corresponding to the non-introductory Annual Percentage Rate) as\nalso set forth herein.\n\nYour payment is due on the payment due date as disclosed on Your monthly statement.\nYou may elect to make Your payment by automatic transfer from a designated account.\nIf You select this option, You understand and agree that You must maintain sufficient\nfunds on deposit to permit Us to transfer the payment on the payment due date.\n\nYour Student Mastercard is subject to a discounted introductory Daily Periodic Rate\nas set forth herein for the initial six-month period. Upon the expiration of the\nintroductory rate period, Your Daily Periodic Rate will increase to the non- introductory\nDaily Periodic Rate (corresponding to the non-introductory Annual Percentage Rate)\nas also set forth herein.\n\nFor all products (except Credit Cards), Your payment will be 2.00% of Your new\nunpaid balance at the end of each billing cycle plus any portion of the payments shown\non prior statement(s) which remains unpaid, plus any amount that exceeds Your\napproved credit limit. Your current payment in any event will be subject to the lesser\nof $20.00 or Your balance.\n\nYour Secured Mastercard is subject to a Daily Periodic Rate, corresponding to an\nAnnual Percentage Rate, as set forth herein.\n\nCredit Card payments will be 3.00% of Your new unpaid balance at the end of each\nbilling cycle plus any portion of any payments shown on prior statement(s) which\nremains unpaid, plus any amount that exceeds Your approved credit limit. Your\npayment in any event will be subject to the lesser of $15.00 or Your balance.\n\nYour Premier Privileges Rewards Mastercard is subject to a discounted introductory\nDaily Periodic Rate as set forth herein for the initial six-month period. Upon the\nexpiration of the introductory rate period, Your Daily Periodic Rate will increase to the\nnon-introductory Daily Periodic Rate (corresponding to the non-introductory Annual\nPercentage Rate) as also set forth herein.\nVARIABLE RATE\n(EXCEPT PREMIER PRIVILEGES REWARDS MASTERCARD)\nExcept Premier Privileges Rewards Mastercard, all advances are subject to a\nVariable Rate which is based on the Prime Rate as published in the Money Rates\nSection of The Wall Street Journal on the last day of Your previous billing cycle\n("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate.\nChanges in the Index will cause changes in the Interest Rate on the first day of\nthe billing cycle following any such change in the Index. Increases or decreases\nin the Interest Rate will cause like increases or decreases in the Finance Charge\nand will affect the number of regularly scheduled payments that You will be\nrequired to make. There is no limit on the amount by which Your Interest Rate\ncan increase.\nVARIABLE RATE (EXCEPT CREDIT CARDS)\nYour Account is subject to a Variable Rate which is based on the Prime Rate as\npublished in the Money Rates Section of The Wall Street Journal on the last day of\nYour previous billing cycle ("Index") plus Our Margin. The Index plus the Margin\nequals the Interest Rate. Changes in the Index will cause changes in the Interest\nRate on the first day of the billing cycle following any such change in the Index.\nIncreases or decreases in the Interest Rate will cause like increases or decreases\nin the Finance Charge and will affect the number of regularly scheduled payments\nthat You will be required to make. There is no limit on the amount by which Your\nInterest Rate can increase.\nLATE CHARGE (EXCEPT CREDIT CARDS)\nIf Your payment is 15 or more days past due, You will be charged $15.00.\nCREDIT CARD LATE CHARGE\nIf Your payment is 15 or more days past due, You will be charged the lesser of: (a)\nthe amount of the minimum payment due; or (b) $15.00.\nOTHER FEES AND CHARGES\nYou will be charged the following fees and charges associated with the use of Your\nAccount: (a) for Credit Cards, the greater of 3.00% of the transaction or $3.00 for\neach cash advance obtained; (b) for Credit Cards, to the extent permitted by\napplicable law, the greater of $250.00 or actual costs incurred by the Credit Union\nwhen You elect to withdraw a charge back and initiate arbitration proceedings; (c)\nfor Credit Cards, $12.00 for each draft copy that You request; and (d) except for\nCredit Cards, $10.00 whenever You exceed Your Credit Limit by: (i) $500.00; or (ii)\n\nCopyright Oak Tree Business Systems, Inc., 2014-2021. All Rights Reserved.\n\nOVERDRAFT PROTECTION\nYou agree that We may transfer funds in multiples of $100.00 (or in such increments as\nWe may from time to time determine) to Your checking account by an advance on the\naccount product designated on Your Overdraft Protection Application/Sign-Up Card to\nclear any overdraft on Your checking account. In any event, You hold Us harmless for\nany and all liability which might otherwise arise if the transfer does not occur. Your\nchecking account overdraft protection automatically ceases if this Agreement is\ncancelled or terminated or Your Account is in default.\nPERIODIC STATEMENTS\nOn a regular basis, You will receive a statement showing all transactions on Your\nAccount including amounts paid and borrowed since Your last statement. We will mail\nYou a statement each month in which there have been any transactions on Your\nAccount or there is a debit or credit balance. We need not send You a statement if\nWe feel Your Account is uncollectible but such action by Us does not relieve You of\nYour liability to repay any amounts that You owe Us. Each statement is deemed to be\na correct statement of account unless You notify Us of a billing error pursuant to the\nFederal Truth-In-Lending Act.\nDEFAULT/CROSS DEFAULT\nYou will be in default if: (a) You do not make any payment or perform any obligation\nrequired under any other agreement that You may have with Us, including but not\nlimited to loan agreements, credit line agreements, debt instruments and the like;\nor (b) You do not make any payment or perform any obligation required under this\nAgreement; or (c) You should die, become involved in any insolvency, receivership\nor custodial proceeding brought by or against You; or (d) You have made a false\nor misleading statement in Your credit application and/or in Your representations to\nus while You owe money on Your Account; or (e) 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 (f) We should, in\ngood faith, believe Your ability to repay Your indebtedness hereunder is or soon\nwill be impaired.\nIf You are in default, We may, without prior notice or demand and to the extent permitted\nby law, cancel Your rights under this Agreement, declare the entire unpaid balance of\nYour Account immediately due and payable, set-off any money owed Us in accordance\nwith the terms of said Agreement and require the return of all access devices.\nIf immediate payment is demanded, You will continue to pay Finance Charges at the\napplicable Annual Percentage Rate in effect until what You owe has been repaid.\nEven if Your unpaid balance is less than Your Credit Limit(s), You will have no credit\navailable during any time that any aspect of Your Account is in default.\n\nPage 4 of 7\n\nOTBS 016 FRB Web PREM (3/21)\n\n\x0cPENALTY APR (EXCEPT CREDIT CARDS)\nFor all products (except Credit Cards), if You are ever 30 or more days past due on\nany payment and/or Your Account is otherwise in default, the Margin applicable to\nYour entire balance existing at that time and in the future will increase by 10.00%.\nThe increase in the Margin will result in an increase in the Daily Periodic Rate by\n0.027397% (corresponding to an increase in the ANNUAL PERCENTAGE RATE\nof 10.00%).\nENFORCEMENT\nWe do not lose Our rights under this or any related agreement if We delay enforcing\nthem. We can accept late payments, partial payments or any other payments, even if\nthey are marked "paid in full" or contain language indicating full satisfaction of the\nunpaid balance without losing any of Our rights under this Agreement. Any\ncompromise in, or the reduction of, amounts owed under this Agreement must be\npreviously agreed to in writing by an authorized employee of the Credit Union. If any\nprovision of this or any related agreement is determined to be unenforceable or\ninvalid, all other provisions remain in full force and effect.\nCOLLECTION COSTS\nIf You are in default, to the extent permitted by law, You will reimburse us for all costs\nof collecting the amount You owe under this Agreement including reasonable\nattorneys\' fees. You agree that We may add any collection costs, including reasonable\nattorneys\' fees, to Your Account balance on which Finance Charges will be charged,\nsubject to the applicable Annual Percentage Rate.\nDEBT CANCELLATION COVERAGE\nDebt cancellation coverage ("Loan Protection Plan") is not required for any\nextension of credit under this Agreement. However, You may purchase any Loan\nProtection Plan available through Us and have the fees added to Your outstanding\nAccount balance. If You elect to do so, You will be given the necessary disclosures\nand documents separately.\nINTEGRATED DOCUMENTS\nAny separate sheet of paper labeled "Additional Disclosure - Federal Truth-In-Lending\nAct," "Truth-In-Savings Disclosure and Agreement" or "Schedule of Fees" which is\ndelivered together with this Agreement or separately becomes an integrated part of\nthis Agreement and Disclosure.\nNOTIFICATION OF ADDRESS CHANGE\nYou will notify Us promptly in writing if You: (a) move or otherwise have a change of\naddress; or (b) change Your name.\nCHANGE IN TERMS\nWe may change the terms of this Agreement by mailing or delivering to You written\nnotice of the changes as prescribed by the Federal Truth-In-Lending Act. To the extent\npermitted by law, the right to change the terms of this Agreement includes, but is not\nlimited to, the right to change the periodic rate applicable to Your unpaid balance\nand/or future advances.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION\nYou will provide facts to update information contained in Your original application or\nother financial information related to You, at Our request. You also agree that We\nmay, from time to time, as We deem necessary, make inquiries pertaining to Your\nemployment, credit standing and financial responsibility in accordance with applicable\nlaws and regulations. You further agree that We may give information about the status\nand payment history of Your Account to consumer credit reporting agencies, a\nprospective employer or insurer, or a state or federal agency having any apparent\nlegitimate business need for such information.\nYou agree to provide Us, upon Our request, with a current financial statement or\nother current credit information that meets Our requirements. You understand and\nagree that if We request such information, that We may, at Our sole option, refuse\nto make further advances on Your Account until such time as We have received the\nrequested information. If You fail to furnish the requested information in a timely\nfashion We may, at Our option, and without further notice to You, declare Your\nAccount to be in default.\nTERMINATION\nEither You or We may cancel Your Account at any time, whether or not You are in\ndefault. In the event We receive a written request for Account termination from You\nor any party to Your Account, or if We receive inconsistent instructions regarding\nAccount termination from different parties to Your Account, We may, at Our sole\noption and without further notice to any other party, terminate Your Account or\nrefuse any right with respect to Your Account, which may include, but is not limited\nto, refusing any request for credit or an advance on Your Account. You will, in any\ncase, remain liable to pay any unpaid balances according to the terms of\nYour Account.\n\nCopyright Oak Tree Business Systems, Inc., 2014-2021. All Rights Reserved.\n\nGOVERNING LAW\nThis Agreement is controlled and governed by the laws of the State of California\nexcept to the extent that such laws are inconsistent with controlling federal law.\nELECTRONIC COMMUNICATIONS\nYou authorize Us to send You, from time to time, and to the extent permitted by\napplicable law, electronic communications regarding the status of any share, share\ndraft, and/or certificate account(s) You maintain with Us. You also authorize Us to\nsend You electronic communications regarding any other accounts You may\nmaintain with Us from time to time including, but not limited to, loan accounts, credit\nline accounts, and credit card accounts. These electronic communications are\nsometimes referred to as "transactional or relationship messages."\nYou authorize Us to contact You using any wireless, cellular, mobile or other\ntelephone number You have provided to Us on Your membership application, and\nat any wireless, cellular, mobile or other telephone number You may furnish to Us\nor We obtain for You in the future. To the extent permitted by law, We may contact\nYou using any electronic means We choose, which may include but is not limited\nto, voice messages, text messages and other similar electronic methods of\ncommunication. If You have furnished Us with any e-mail address(es), You\nunderstand and agree that We may send You e-mail messages regarding Your\nAccount(s) with Us from time to time. If You have executed or subsequently execute\nany separate Disclosure and Consent to Receive Electronic Documentation or\nsimilar form, any communications covered by such Disclosure and Consent shall\nbe subject to the terms and conditions set forth in that document.\nYou understand that the nature of electronic communications is such that anyone\nwith access to Your wireless, cellular, mobile or other telephonic device or e-mail\nmay be able to read or listen to such transactional or relationship messages from\nUs, and You agree that any person or party sending or leaving such messages shall\nhave no liability for any consequences resulting from the interception of such\nmessages by any other party. Without limitation, You also agree that You are\nresponsible to pay all costs that You may incur as a result of any contact method\nWe choose including, but not limited to, charges for telecommunications, wireless\nand/or internet charges.\nCONSENT TO CONTACT AGREEMENT\nYou agree that We may, subject to applicable law, initiate telephone calls to\nany residential line (wireline service), cellular telephone service, or other\nwireless service associated with Your Account through use of pre-recorded or\nartificial voice messages and/or the use of automatic telephone dialing\nsystems, in order for Us to service Your Account, prevent fraud, collect any\namounts owed to Us by You, and otherwise conduct Our business with You. If\nYou furnish Us with one or more cellular telephone numbers in connection with\nYour Account, You represent You are or will be the cellular telephone\nsubscriber with respect to each such number, and that Your consent extends\nto all such numbers You provide to Us. You understand that the telephone calls\nWe may initiate may result in charges to You by any cellular telephone, internet,\nor other digital or electronic service to which You subscribe, and You\nunderstand and agree that You are solely responsible for the payment of any\nsuch charges.\nARBITRATION AND WAIVER OF CLASS ACTION\nThis provision does not apply to covered-loans extended to covered borrowers as\ndefined within the Military Lending Act ("MLA"). If We determine the credit being\nextended is a covered loan, and You are a covered borrower, then We will provide a\nnotice titled "Military Annual Percentage Rate ("MAPR") And Payment Obligation\nDisclosure," as required by applicable law in which case the remaining portion of this\nprovision will not apply to You.\nIf We have determined that the credit being extended is not a covered loan, and/or\nYou are not a covered borrower then, You will not receive the above referenced\nnotice and You and the Credit Union agree to attempt to informally settle any and\nall disputes arising out of, affecting, or relating to the credit extended under this\nAgreement, Your accounts, or the products or services the Credit Union has\nprovided, will provide or has offered to provide to You, and/or any aspect of Your\nrelationship with the Credit Union (hereafter referred to as the "Claims"), except to\nthe extent that this provision will not apply to any credit that is secured by Your\nprincipal dwelling. If that cannot be done, then You agree that any and all Claims\nthat are threatened, made, filed or initiated after the Effective Date (defined below)\nof this Arbitration and Waiver of Class Action provision ("Arbitration Agreement"),\neven if the Claims arise out of, affect or relate to conduct that occurred prior to the\nEffective Date, shall, at the election of either You or the Credit Union, be resolved\nby binding arbitration administered by the American Arbitration Association ("AAA")\nin accordance with its applicable rules and procedures for consumer disputes\n("Rules"), whether such Claims are in contract, tort, statute, or otherwise. The Rules\n\nPage 5 of 7\n\nOTBS 016 FRB Web PREM (3/21)\n\n\x0ccan be obtained on the AAA website free of charge at www.adr.org; or, a copy of\nthe Rules can be obtained by calling 800-772-4000 option 0 or emailing\ninfo@premieramerica.com. Either You or the Credit Union may elect to resolve a\nparticular Claim through arbitration, even if one of Us has already initiated litigation\nin court related to the Claim, by: (a) making written demand for arbitration upon the\nother party, (b) initiating arbitration against the other party, or (c) filing a motion to\ncompel arbitration in court. AS A RESULT, IF EITHER YOU OR THE CREDIT\nUNION ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION,\nYOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND\nYOUR RIGHTS UNDER THIS LOAN NOTE AGREEMENT (EXCEPT FOR CLAIMS\nBROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION, SO\nLONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT). This Arbitration\nAgreement shall be interpreted and enforced in accordance with the Federal\nArbitration Act set forth in Title 9 of the U.S. Code to the fullest extent possible,\nnotwithstanding any state law to the contrary, regardless of the origin or nature of\nthe Claims at issue. This Arbitration Agreement does not prevent You from\nsubmitting any issue relating to Your accounts for review or consideration by a\nfederal, state, or local governmental agency or entity, nor does it prevent such\nagency or entity from seeking relief on Your behalf.\nSelection of Arbitrator. The Claims shall be resolved by a single arbitrator. The\narbitrator shall be selected in accordance with the Rules, and must have\nexperience in the types of financial transactions at issue in the Claims. In the\nevent of a conflict between the Rules and this Arbitration Agreement, this\nArbitration Agreement shall supersede the conflicting Rules only to the extent of\nthe inconsistency. If AAA is unavailable to resolve the Claims, and if You and the\nCredit Union do not agree on a substitute forum, then You can select a\nreasonable forum for the resolution of the Claims.\nEffective Date. This Arbitration Agreement is effective upon the 61st day after We\nprovide it to You ("Effective Date"), unless You opt-out in accordance with the\nrequirements of the RIGHT TO OPT-OUT provision below.\nArbitration Proceedings. The arbitration shall be conducted within 50 miles of\nYour residence at the time the arbitration is commenced. Any claims and defenses\nthat can be asserted in court can be asserted in the arbitration. The Arbitrator\nshall be entitled to award the same remedies that a court can award, including\npublic injunctive relief under the California Unfair Competition Law and\nConsumer Legal Remedies Act. Discovery shall be available for non-privileged\ninformation to the fullest extent permitted under the Rules. The Arbitrator\'s\naward can be entered as a judgment in court. Except as provided in applicable\nstatutes, the arbitrator\xe2\x80\x99s award is not subject to review by the court and it cannot be\nappealed. The Credit Union shall pay for any filing, administration, and\narbitrator fees imposed on You by the AAA. However, You will be responsible for\nYour own attorneys\' fees, unless You prevail on Your Claim in the arbitration, in\nwhich case, We will pay Your attorneys\' fees. However, if the Credit Union prevails,\nthen You will not be required to pay Our attorneys\' fees and costs. Any\ndetermination as to whether this Arbitration Agreement is valid or enforceable in\npart or in its entirety will be made solely by the arbitrator, including without limitation\nany issues relating to whether a Claim is subject to arbitration; provided, however,\nthe enforceability of the Class Action Waiver set forth below shall be determined by\nthe Court.\nClass Action Waiver. ANY ARBITRATION OF A CLAIM WILL BE ON AN\nINDIVIDUAL BASIS. YOU UNDERSTAND AND AGREE THAT YOU ARE WAIVING\nTHE RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS\nMEMBER IN A CLASS ACTION LAWSUIT.\nSeverability. In the event the Class Action Waiver in this Arbitration Agreement is\nfound to be unenforceable for any reason, the remainder of this Arbitration Agreement\nshall also be unenforceable. If any provision in this Arbitration Agreement, other than\nthe Class Action Waiver, is found to be unenforceable, the remaining provisions shall\nremain fully enforceable.\nRight to Opt-Out. You have the right to opt-out of this provision, provided You\nnotify the Credit Union of Your intent to do so within 60 days after it is provided to\nYou. Your opt-out is only effective if You notify the Credit Union in writing at\nPACU ATTN: Member Ops, PO BOX 2178 Chatsworth CA 91313-2178 within such\n60 day time period and provide Your name, address and Member Number in\nsuch written notice. If You fail to opt-out within this 60 day period, You will be\ndeemed to have consented to the resolution of Your Claims through binding\narbitration. In the event You opt-out, it shall not affect other terms and conditions of\nYour Account Agreement.\nFOR MORE DETAILS or if You have questions, You may call the Credit Union or visit\na branch. If You have questions about AAA procedures, You should check AAA\'s\nwebsite, www.adr.org, OR call AAA at (800) 778-7879.\n\nCopyright Oak Tree Business Systems, Inc., 2014-2021. All Rights Reserved.\n\nCONSENT TO AGREEMENT\nYou agree to and accept the terms of this Agreement And Disclosure by signing the\napplication for Your Account; by signing this Agreement And Disclosure; by using Your\nAccount; by using any Account access device; or by using or authorizing another to\nuse Your Account.\nSPECIFIC TERMS APPLICABLE TO YOUR MASTERCARD,\nSTUDENT MASTERCARD, SECURED MASTERCARD, AND PREMIER\nPRIVILEGES REWARDS MASTERCARD CREDIT CARDS\nUSE OF YOUR CARD\nYou may use Your Card to buy goods and services in any place that the Card is\nhonored and to get cash advances from participating ATMs. You agree not to use\nYour Card for illegal transactions including, but not limited to, advances made for the\npurpose of gambling and/or wagering where such practices are in violation of\napplicable state and/or federal law. Additionally, You agree not to utilize Your Credit\nCard accounts for the purchase of any goods or services on the Internet that involve\ngambling of any sort. Such transactions include, but may not be limited to, any quasicash or online gambling transaction, any electronic commerce transaction conducted\nover an open network, and any betting transaction including the purchase of lottery\ntickets or casino gaming chips or off-track betting or wagering. However, in the event\nthat a charge or transaction described in this paragraph is approved and processed,\nYou will still be responsible for such charges.\nOWNERSHIP\nAll Account access devices remain Our property and may be cancelled by Us at any\ntime without notice. You agree to surrender such Account access devices and to\ndiscontinue their use immediately upon Our request.\nCONSENSUAL LIEN\nIf You have been issued a Credit Card, You grant and consent to a lien on\nYour savings, checking and certificate accounts with Us (except for IRA\naccounts) and any dividends due or to become due to You from Us to the\nextent You owe on Your unpaid Credit Card balance.\nISSUANCE OF PERSONAL IDENTIFICATION NUMBER\nWe will issue You a Personal Identification Number (PIN) for use with Your Card in\nconjunction with participating Automated Teller Machines (ATMs) and/or any other\nparticipating programs. This PIN is confidential and should not be disclosed to anyone.\nYou may use Your PIN to access Your Account and all sums advanced will be added\nto Your Account balance. In the event a use of Your PIN constitutes an Electronic\nFund Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement\nmay also affect Your rights. Your use of the PIN is Your authorization to Us to charge\nYour Account to cover such transactions.\nPREMIER PRIVILEGES REWARDS MASTERCARD MILEAGE PROGRAM\nPremier Privileges Rewards Mastercard Accounts in good standing will earn Premier\nPrivileges Rewards Points based on signature based purchases made on Your\nAccount. The details of the Premier Privileges Platinum Awards feature of Your\nPremier Privileges Rewards Mastercard will be disclosed to You separately.\nREFUSAL TO HONOR CONVENIENCE CHECKS OR CREDIT CARDS\nWe are not liable for the refusal or inability of merchants, financial institutions or others\nto accept convenience checks or Credit Cards, or electronic terminals to honor\nconvenience checks or Credit Cards or complete a Card withdrawal, or for their\nretention of convenience checks or Credit Cards.\nOUR RESPONSIBILITY TO HONOR CONVENIENCE CHECKS\nWe may not accept any convenience check if: (1) by paying a convenience check\nYour Account balance would exceed 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.\nIf a postdated convenience check is paid and as a result any other convenience check\nis returned or not paid, We are not responsible. Any convenience check that is\nreturned by Us unpaid will be subject to a returned check fee.\nFOREIGN TRANSACTIONS\n(EXCEPT PREMIER PRIVILEGES REWARDS MASTERCARD)\nFor transactions initiated in foreign countries and foreign currencies, the\nexchange rate between the transaction currency and the billing currency (U.S.\ndollars) will be: (a) a rate selected by Mastercard, as is applicable, from the\nrange of rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate Mastercard, as is applicable,\nitself receives; or (b) the government-mandated rate in effect for the applicable\ncentral processing date. In each instance, You will be charged a fee in an amount\nequal to 1.00% of the settlement amount. Transactions initiated via the internet\n\nPage 6 of 7\n\nOTBS 016 FRB Web PREM (3/21)\n\n\x0cwith merchants or other parties located outside of the United States of America\nare deemed to occur in the foreign country where the merchant or other party\nis located.\n\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n\nTRANSACTION SLIPS\nYour monthly statement will identify the merchant, electronic terminal or financial\ninstitution at which transactions were made, but sales, cash advance, credit or other\nslips are not returned with the statement.\n\n1)\n\nLOST OR STOLEN CREDIT CARDS OR CONVENIENCE CHECKS\nTo report a lost or stolen Card, immediately call (800) 811-2917. To report lost or\nstolen convenience checks, contact a Premier America Credit Union information\nspecialist by calling (800) 772-4000 or (818) 772-4000.\n\nWhile We investigate whether or not there has been an error:\n\n2)\n\n\xef\x82\xb7\n\xef\x82\xb7\n\nUNAUTHORIZED USE\nYou may be liable for the unauthorized use of Your Card. You will not be liable for the\nunauthorized use that occurs after You notify Us orally or in writing at the address or\ntelephone number shown in this Agreement, of the loss, theft, or possible unauthorized\nuse. In any case, Your liability will not exceed $50.00.\n\n\xef\x82\xb7\n\xef\x82\xb7\n\nWithin 30 days of receiving Your letter, We must tell You that We received\nYour letter. We will also tell You if We have already corrected the error.\nWithin 90 days of receiving Your letter, We must either correct the error\nor explain to You why We believe the bill is correct.\n\nWe cannot try to collect the amount in question, or report You as delinquent on\nthat amount.\nThe charge in question may remain on Your statement, and We may continue\nto 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:\nCREDITS\nIf a merchant who honors Your Card gives You credit for returns or adjustments,\nthey will do so by generating a credit which will be posted to Your Account. If Your\ncredits and payments exceed what You owe Us, We will hold and apply this credit\nagainst future purchases and cash advances or, if it is $1.00 or more, refund it on\nYour written request or automatically deposit it to Your savings account after\nsix months.\nEFFECT OF AGREEMENT\nEven though the sales, cash advance, credit or other slips You may sign or receive\nwhen using the Card contain terms, this Agreement is the contract which solely\napplies to all transactions involving the Card.\nYour Billing Rights: Keep this Document for Future Use\n\n\xef\x82\xb7\n\xef\x82\xb7\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us\nwithin 10 days telling Us that You still refuse to pay. If You do so, We cannot report\nYou as delinquent without also reporting that You are questioning Your bill. We must\ntell You the name of anyone to whom We reported You as delinquent, and We must\nlet those organizations know when the matter has been settled between Us. If We do\nnot follow all of the rules above, You do not have to pay the first $50.00 of the amount\nYou question even if Your bill is correct.\n\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, for Mastercard write to Us at\nCard Services, P.O. Box 10409, Des Moines, IA 50306. For all other Products,\nwrite to Us at Our address shown in this Agreement. In Your letter, give Us the\nfollowing information:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\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\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 Your\nCredit Card, and You have tried in good faith to correct the problem with the merchant,\nYou may have the right not to pay the remaining amount due on the purchase. To use\nthis right, all of the following must be true:\n1)\n\n2)\n\nYou must contact Us:\n3)\n\xef\x82\xb7\n\xef\x82\xb7\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 in\nquestion, along with applicable interest and fees. We will send You a statement\nof the amount You owe and the date payment is due. We may then report You\nas delinquent if You do not pay the amount We think You owe.\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 than\n$50.00. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You\nthe 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.\nYou must not yet have fully paid for the purchase.\n\nWithin 60 days after the error appeared on Your statement.\nAt least three business days before an automated payment is scheduled,\nif You want to stop payment on the amount You think is wrong.\n\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at Card Services, P.O. Box 10409, Des Moines, IA 50306.\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 the\namount in question.\n\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,\nif We think You owe an amount and You do not pay, We may report You as delinquent.\n\nCopyright Oak Tree Business Systems, Inc., 2014-2021. All Rights Reserved.\n\nPage 7 of 7\n\nOTBS 016 FRB Web PREM (3/21)\n\n\x0cPRICING INFORMATION ADDENDUM\nCREDIT LINE ACCOUNT\nAGREEMENT AND DISCLOSURE\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR MASTERCARD, STUDENT\nMASTERCARD, SECURED MASTERCARD, PREMIER PRIVILEGES REWARDS MASTERCARD, AND PREMIER\nFIRST REWARDS MASTERCARD CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS ADDENDUM CAREFULLY\nAND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage\nRate (APR) For\nPurchases\n\n0.00% introductory APR for 6 months.\nAfter that, Your APR will be 11.24% \xe2\x80\x93 18.24% based on Your creditworthiness and\n\nMastercard:\n\nwill vary with the market based on the Prime Rate.\n\n0.00% introductory APR for 6 months.\nAfter that, Your APR will be 10.50% and will vary with the market based on the Prime Rate.\n\nStudent Mastercard:\n\n11.90% \xe2\x80\x93 18.90%\n\nSecured Mastercard:\nbased on Your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\n0.00% introductory APR for 6 months.\nAfter that, Your APR will be 10.99% \xe2\x80\x93 20.49% based on Your creditworthiness.\n\nPremier Privileges Rewards Mastercard:\n\nAnnual Percentage\nRate (APR) For\nBalance Transfers\n\nMastercard: 0.00% introductory APR for 6 months.\nAfter that, Your APR will be 11.24% \xe2\x80\x93 18.24% based on Your creditworthiness and will vary with\nthe market based on the Prime Rate.\nStudent Mastercard: 0.00% introductory APR for 6 months.\nAfter that, Your APR will be 10.50% and will vary with the market based on the Prime Rate.\nSecured Mastercard: 11.90% \xe2\x80\x93 18.90% based on Your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\nPremier Privileges Rewards Mastercard: 0.00% introductory APR for 6 months.\nAfter that, Your APR will be 10.99% \xe2\x80\x93 20.49% based on Your creditworthiness.\n\nAnnual Percentage\nRate (APR) For Cash\nAdvance\n\nMastercard: 0.00% introductory APR for 6 months.\nAfter that, Your APR will be 11.24% \xe2\x80\x93 18.24% based on Your creditworthiness and will vary with\nthe market based on the Prime Rate.\nStudent Mastercard: 0.00% introductory APR for 6 months.\nAfter that, Your APR will be 10.50% and will vary with the market based on the Prime Rate.\nSecured Mastercard: 11.90% \xe2\x80\x93 18.90% based on Your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\nPremier Privileges Rewards Mastercard: 0.00% introductory APR for 6 months.\nAfter that, Your APR will be 10.99% \xe2\x80\x93 20.49% based on Your creditworthiness.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge You any\ninterest on purchases if You pay Your entire balance by the due date each month. For all Feature\nCategories We will begin charging interest on balance transfers and cash advances on the\ntransaction date.\n\nSEE PAGE 2 for more important information about Your Account\nCopyright Oak Tree Business Systems, Inc., 2014-2021. All Rights Reserved.\n\nPage 1 of 2\n\nOTBS 016A FRB_Web PREM (3/21)\nRev. (6/21)\n\n\x0cFees\nTransaction Fees\n\xef\x82\xb7\n\nForeign Transaction\n\n\xef\x82\xb7\n\nCash Advance\n\nFor Credit Cards (except Premier Privileges Rewards Mastercard), 1.00% of each foreign currency\ntransaction in U.S. Dollars.\nFor Credit Cards (except Premier Privileges Rewards Mastercard), 1.00% of each U.S. Dollar\ntransaction that occurs in a foreign country.\nThe greater of 3.00% of each transaction or $3.00.\n\nPenalty Fees\n\xef\x82\xb7\n\nLate Payment\n\nUp to $15.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\n\nSEE PAGE 1 for more important information about Your Account\n\nCREDIT CARD FINANCE CHARGES\nThe balances subject to the periodic Finance Charge are the average daily balances outstanding during the billing cycle. The Finance Charge for a billing cycle is computed by\napplying the Daily Periodic Rate to the average daily balance during the billing cycle. To get the average daily balance, We take the beginning balance of Your Account each\nday, add any new purchases, balance transfers, cash advances, insurance premiums, debit adjustments and any applicable fees, and subtract any payments, credits and\nunpaid Finance Charges or Late Fees. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle which We multiply\nby the Daily Periodic Rate. These daily Finance Charges are then added together and the sum is the amount of Your total new Finance Charge due.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the\nnew balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances\nare 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 transaction is posted to\nYour Account.\nYour Mastercard is subject to a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE of 0.00%) for the initial sixmonth period. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.030794% - 0.049972% (corresponding to an ANNUAL\nPERCENTAGE RATE of 11.24% - 18.24%), depending on Your creditworthiness.\nYour Student Mastercard is subject to a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE of 0.00%) for the\ninitial six-month period. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.028767% (corresponding to an ANNUAL PERCENTAGE\nRATE of 10.50%).\nYour Daily Periodic Rate for Secured Mastercard is 0.032602% - 0.051780% (corresponding to an ANNUAL PERCENTAGE RATE of 11.90% - 18.90%), depending on\nYour creditworthiness.\nYour Premier Privileges Rewards Mastercard is subject to a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE\nof 0.00%) for the initial six-month period. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.030109% - 0.056113% (corresponding\nto an ANNUAL PERCENTAGE RATE of 10.99% - 20.49%), depending on Your creditworthiness.\nVARIABLE RATE (EXCEPT PREMIER PRIVILEGES REWARDS MASTERCARD)\nExcept Premier Privileges Rewards Mastercard, all advances are subject to a Variable Rate which is based on the Prime Rate as published in the Money Rates Section of The\nWall Street Journal on the last day of Your previous billing cycle ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause\nchanges in the Interest Rate on the first day of the billing cycle following any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or\ndecreases in the Finance Charge and will affect the number of regularly scheduled payments that You will be required to make. There is no limit on the amount by which Your\nInterest Rate can increase.\nThe Margin for Mastercard will range from 5.65 - 12.65 depending on Your creditworthiness.\nThe Margin for Student Mastercard is 6.25.\nThe Margin for Secured Mastercard will range from 7.65 - 14.65 depending on Your creditworthiness.\n\nCopyright Oak Tree Business Systems, Inc., 2014-2021. All Rights Reserved.\n\nPage 2 of 2\n\nOTBS 016A FRB_Web PREM (3/21)\nRev. (6/21)\n\n\x0c'