b'CREDIT CARD ACCOUNT\nAGREEMENT AND DISCLOSURE\nTHIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL\nTRUTH-IN-LENDING DISCLOSURE STATEMENTS, MORE REWARDS VISA AND MORE REWARDS\nSECURED VISA AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF\nYOUR MORE REWARDS VISA AND MORE REWARDS SECURED VISA CREDIT CARDS, AND/OR\nANY OTHER ACCOUNT 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\n\n8.9%-16.9%\n\nAnnual Percentage Rate\n(APR) For Purchases\n\nMore Rewards VISA:\n\nAnnual Percentage Rate\n(APR) For Balance Transfers\n\nMore Rewards VISA: 8.9%-16.9%\n\nAnnual Percentage Rate\n(APR) For Cash Advances\n\nMore Rewards VISA: 8.9%-16.9%\n\nPenalty APR And When it\nApplies\n\n17.90%\n\nMore Rewards Secured VISA:\n\n10.9%\n\nMore Rewards Secured VISA: 10.9%\nMore Rewards Secured VISA: 10.9%\n\nThis APR may be applied if:\n1) You make a late payment.\nHow Long Will The Penalty APR Apply? If Your APRs are increased for this reason,\nthe Penalty APR applied to transactions that occur after the increase may be applied\nindefinitely. For transactions that occurred prior to the effective date of the increase, the\nincrease will apply indefinitely unless 6 consecutive payments are received on or before\nthe due date during the six-month period following such increase.\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each month\nwithin 26 days of Your statement closing date. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nIf You are charged interest, the charge will be no less than $0.50.\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\nTransaction Fees\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\nForeign Transaction\nCash Advance\n\n1.00% of each transaction in U.S. dollars\n2.00% of each advance ($5.00 minimum - $50.00 maximum)\n\nPenalty Fees\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\nReturned Payment\nOver-the-Credit Limit\nLate Payment\n\nUp to $23.00\nUp to $29.00\nUp to $29.00 after 4 days\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).\xe2\x80\x9d 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\nCopyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.\n\nPage 1 of 4\n\nOTBS 016CCY (4/15)\n\n\x0cAdditional Provisions of Agreement\nDEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean Vons Employees Federal Credit Union and Its Divisions. The words "You"\nand "Your" mean each person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any\nMore Rewards VISA or More Rewards Secured VISA Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the More Rewards\nVISA or More Rewards Secured VISA Credit Card Account established for You under this Agreement. "Convenience Check" means the special Account access devices\nthat We may provide for Your use from time to time. If this is a joint Account, read singular pronouns in the plural.\nPROMISE TO PAY. You understand that the following terms and conditions constitute Our Agreement with You. You may request advances on Your Account through a\nvariety of means which could include (but may not be limited to) telephonic requests, Convenience Checks, Credit Cards and the like. Regardless of the means by\nwhich any advance is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent\nor implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.\n\nDaily\nPeriodic Rate\n\nANNUAL\nPERCENTAGE\nRATE\n\nMore Rewards VISA\n\n___________%\n\n___________%\n\nMore Rewards Secured VISA\n\n___________%\n\n___________%\n\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in\nany place that it is honored and to get cash advances at participating financial\ninstitutions. You agree not to use Your Card for illegal transactions including,\nbut not limited to, advances made for the purpose of gambling and/or\nwagering where such practices are in violation of applicable state and/or\nfederal law.\n\nYou may, by separate agreement, authorize Us to charge Your payment directly\nto Your share or share draft account.\n\nAccount\nFeature Categories\n\nSECURITY. Collateral (other than household goods or any dwelling) given as\nsecurity under any other loan You may have with Us will secure all amounts You\nowe Us now and in the future if that status is reflected in the "Truth-in-Lending\nDisclosure" in any particular Agreement evidencing such debt.\nCONSENSUAL LIEN ON SHARES. You grant and consent to a lien on\nYour shares with Us (except for IRA and Keogh accounts) and any\ndividends due or to become due to You from Us to the extent You owe\non any unpaid Credit Card balance.\nACCOUNT RESTRICTIONS. In order to receive and maintain a More Rewards\nSecured VISA Credit Card, You agree to give Us a specific pledge of shares\nwhich will equal Your 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\nMore Rewards Secured VISA Credit Card. You may cancel Your More Rewards\nSecured VISA Credit Card at any time by paying any amounts owed on such\nAccount. To be certain that Your entire balance and all advances are paid, any\nshares pledged may not be available to You for 30 days after You have\ncancelled and any outstanding balance is paid in full.\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for\nwhich You are approved. Unless You are in default, any Credit Limits\nestablished for You will generally be self-replenishing as You make payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You\nwill pay any amount over Your Credit Limit on Our demand whether or not We\nauthorize the advances which caused You to exceed Your Credit Limit. Even if\nYour unpaid balance is less than Your Credit Limit, You will have no credit\navailable during any time that any aspect of Your Account is in default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for\nthe repayment of any amounts owed. If any Account access device, such as a\nPersonal Identification Number (PIN) is requested and approved, You\nunderstand that any such Account access device(s) will be mailed only to the\nprimary Borrower at the address that We have on file for You. We may refuse to\nfollow any instructions which 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\nright to repay at any time without penalty. You also understand that You will only\nbe charged periodic Finance Charges to the date You repay Your entire\nbalance. You may make larger payments without penalty. Any partial payment or\nprepayment will not delay Your next scheduled payment. All payments to Us\nmust be in lawful money of the United States. Except as required by law, We\nmay apply payments in an order of Our choosing.\nMore Rewards VISA and More Rewards Secured VISA Payments will be an\namount equal to 2.00% of Your new unpaid More Rewards VISA or More\nRewards Secured VISA balance at the end of each billing cycle, subject to the\nlesser of $15.00 or Your balance, plus any portion of the Minimum Payments\nshown on prior statement(s) which remains unpaid, plus any amount that\nexceeds Your approved Credit Limit.\nCopyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.\n\nFINANCE CHARGES. In the case of any transactions under Your Account, the\nbalances subject to the periodic Finance Charge are the average daily transactions\nbalances outstanding during the month (including new transactions). To get the\naverage daily balance, We take the beginning balance of Your Account each day,\nadd any new purchases, cash advances, insurance premiums, debit adjustments\nor other charges and subtract any payments, credits and unpaid Finance Charges.\nThis gives Us the daily balance. Then, We add up all the daily balances for the\nbilling cycle and divide them by the number of days in the billing cycle. The Finance\nCharge for a billing cycle is computed by multiplying the average daily balance\nsubject to a Finance Charge by the Daily Periodic Rate times the number of days in\nthe billing cycle.\nYou can avoid Finance Charges on purchases by paying the full amount of the\nentire balance owed each month within 26 days of Your statement closing date.\nOtherwise, the new balance of purchases, and subsequent purchases from the\ndate they are posted to Your Account, will be subject to a Finance Charge. Cash\nadvances and balance transfers are always subject to a Finance Charge from\nthe later of the date they are posted to Your Account or from the first day of the\nbilling cycle in which such transaction is posted to Your Account.\nThe minimum FINANCE CHARGE that You will be required to pay in any billing\ncycle that a Finance Charge is due is $0.50.\nPENALTY RATE. If Your Account is ever more than 60 days past due, subject to\napplicable law, the Daily Periodic Rate applicable to Your entire balance of\ntransactions existing at that time and in the future will increase to 0.049041%\n(corresponding ANNUAL PERCENTAGE RATE 17.90%). During the six month\nperiod following such an increase, if We receive the first six consecutive\nrequired minimum periodic payments when due, the rate applicable to the\nbalance of transactions that occurred prior to the increase will be returned to the\nstandard rate that would have otherwise been in effect.\nLATE CHARGE. If Your payment is 5 or more days late, You will be charged the\nlesser of: (a) the amount of the minimum payment due; or (b) $29.00.\nOVER-THE-CREDIT LIMIT FEE. If You have affirmatively consented to allow Us to\npay a transaction that would exceed Your Credit Limit and We have acknowledged\nYour consent as required by applicable law, subject to any limitations imposed by\napplicable law, You will be charged a fee for each billing cycle during which You\nexceed Your Credit Limit. The fee will be an amount equal to the lesser of: (a)\n$25.00 (this amount will be $29.00 if you have exceeded Your Credit Limit as\ndescribed above within 6 months of previously exceeding Your Credit Limit); or (b)\nthe amount by which You have exceeded Your Credit Limit.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries\nand foreign currencies, the exchange rate between the transaction\ncurrency and the billing currency (U.S. dollars) will be: (a) a rate selected\nby VISA from the range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the\nrate VISA itself receives; or (b) the government-mandated rate in effect for\nthe applicable central processing date. In each instance, You will be\ncharged a fee in an amount equal to 1.00% of the settlement amount.\nOTHER FEES AND CHARGES. You will be charged the following fees\nassociated with the use of Your Card: (a) the lesser of $23.00 for any check (or\nother negotiable instrument used for payment) which is returned unpaid, or the\n\nPage 2 of 4\n\nOTBS 016CCY (4/15)\n\n\x0cAdditional Provisions of Agreement\nrequired minimum payment amount for the returned payment; (b) a cash\nadvance fee FINANCE CHARGE equal to the greater of 2.00% of each advance\nor $5.00, subject to a maximum of $50.00; and (c) $6.00 for each replacement\nCard You request.\nOVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or\nin such increments as We may from time to time determine) to Your share draft\naccount by an advance on Your Account, subject to this provision, to clear any\nOverdraft on Your share draft account. Whether or not such transfers occur will\nbe controlled by this Agreement. In any event, You hold Us harmless for any\nand all liability which might otherwise arise if the transfer does not occur.\nOverdraft Protection automatically ceases if this Agreement is ever cancelled or\nterminated or Your Account is in default.\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. We will mail You a statement each month in which\nthere is a debit or credit balance or when a Finance Charge is imposed. We\nneed not send You a statement if We feel Your Account is uncollectible or if We\nhave started collection proceedings against You because You defaulted. EACH\nSTATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT\nUNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL\nTRUTH-IN-LENDING ACT.\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are\nunder no obligation to honor Your Convenience Checks if: (1) by paying a\nConvenience Check, You would exceed Your Credit Limit; (2) Your Cards or\nConvenience Checks have been reported lost or stolen; (3) Your Account has\nbeen cancelled or has expired. If a postdated Convenience Check is paid and,\nas a result, any other Convenience Check is returned unpaid, We are not\nresponsible for any resulting loss or liability.\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 of\nYour 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 will\nbe 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,\nwithout prior notice or demand.\n\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide\nfacts to update information contained in Your original Account application or\nother financial information related to You, at Our request. You also agree that\nWe may, from time to time, as We deem necessary, make inquiries pertaining\nto Your employment, credit standing and financial responsibility in\naccordance with applicable laws and regulations. You further agree that We\nmay give information about the status and payment history of Your Account to\nconsumer credit reporting agencies, a prospective employer or insurer, or a\nstate or federal licensing agency having any apparent legitimate business\nneed for such information.\nTERMINATION. Either You or We may cancel Your Account or any particular\nFeature Category of Your Account, at any time, whether or not You are in\ndefault. You will, in any case, remain liable to pay any unpaid balances\naccording to the terms of Your Account.\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at\nany time without notice. You agree to surrender Your Card and to discontinue its\nuse immediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue a\nPersonal Identification Number (PIN) for use with participating Automated Teller\nMachines (ATMs). This PIN is confidential and should not be disclosed to\nanyone. You may use Your PIN to access Your Account and all sums advanced\nwill 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.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using Your Card contain terms, this Agreement\nis the contract which solely applies to all transactions involving the Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your\nCard. You will not be liable for the unauthorized use that occurs after You notify\nUs of the loss, theft, or possible unauthorized use by calling Us during regular\nbusiness hours at (800) 488-8328, or after hours, on weekends or holidays at\n(800) 325-3678, or by writing to Us at the address shown in this Agreement. In\nany case, Your liability will not exceed $50.00.\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not\nliable for the refusal or inability of merchants, financial institutions and others to\naccept the Cards or Convenience Checks, or electronic terminals to honor the\nCards or complete a Card withdrawal, or for their retention of the Cards or\nConvenience Checks.\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.\n\nCOLLECTION COSTS. In the event collection efforts are required to obtain\npayment on this Account, to the extent permitted by law, You agree to pay all court\ncosts, private process server fees, investigation fees or other costs incurred in\ncollection and reasonable attorneys\xe2\x80\x99 fees incurred in the course of collecting any\namounts owed under this Agreement or in the recovery of any Collateral.\n\nLOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit\nCards or Convenience Checks, You will immediately call Us during regular\nbusiness hours at (800) 488-8328, or after hours, on weekends or holidays at\n(800) 325-3678, or by writing to Us at the address shown in this Agreement.\n\nENFORCEMENT. We do not lose Our rights under this or any related\nagreement if We delay enforcing them. We can accept late payments, partial\npayments or any other payments, even if they are marked "paid in full" without\nlosing any of Our rights under this Agreement. If any provision of this or any\nrelated agreement is determined to be unenforceable or invalid, all other\nprovisions remain in full force and effect.\n\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold\nand apply this credit against future purchases and cash advances, or if it is\n$1.00 or more refund it on Your written request automatically deposit it to Your\nshare account after 6 months.\n\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You\nmove or otherwise change Your address or telephone number.\n\nGOVERNING LAW. This Agreement is controlled and governed by the laws of\nthe State of California except to the extent that such laws are inconsistent with\ncontrolling federal law.\n\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\nterms of this Agreement includes, but is not limited to, the right to change the\nperiodic rate applicable to Your unpaid balance and/or future advances.\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 at a later date becomes an integrated part of this Agreement and Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this\nAgreement. By signing the application; or by using Your Account or any Account\naccess device; or by authorizing another to use Your Account, You agree to and\naccept its terms.\nCopyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.\n\nPage 3 of 4\n\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\nshown in this Agreement. In Your letter, give us the following information:\n\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\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.\nOTBS 016CCY (4/15)\n\n\x0cAdditional Provisions of Agreement\nWe may then report You as delinquent if You do not pay the amount We\nthink You owe.\n\nYou must contact Us:\n\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\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\ndo We are not required to investigate any potential errors and You may have to\npay the amount in question.\nWhat Will Happen After We Receive Your Letter\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\nthe matter has been settled between Us. If We do not follow all of the rules\nabove, You do not have to pay the first $50.00 of the amount You question\neven if Your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\nWhen We receive Your letter, We must do two things:\n1)\n2)\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 or\nexplain to You why We believe the bill is correct.\n\n1)\n\nWhile We investigate whether or not there has been an error:\n\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\nWe cannot try to collect the amount in question, or report You as\ndelinquent on 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\n\xef\x82\xb7\xef\x80\xa0\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\namount in question, along with applicable interest and fees. We will send\nYou a statement of the amount You owe and the date payment is due.\n\nCopyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.\n\n2)\n\n3)\n\nThe purchase must have been made in Your home state or within 100\nmiles of Your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if Your\npurchase was based on an advertisement We mailed to You, or if We own\nthe company that sold You the goods or services.)\nYou must have used Your Credit Card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses Your\nCredit Card account do not qualify.\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\npurchase, contact Us in writing at Our address shown in this Agreement.\n\nAfter We finish Our investigation, one of two things will happen:\n\n\xef\x82\xb7\xef\x80\xa0\n\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\nthe merchant, You may have the right not to pay the remaining amount due on\nthe purchase. To use this right, all of the following must be true:\n\nPage 4 of 4\n\nWhile We investigate, the same rules apply to the disputed amount as\ndiscussed above. After We finish Our investigation, We will tell You Our\ndecision. At that point, if We think You owe an amount and You do not pay, We\nmay report You as delinquent.\n\nOTBS 016CCY (4/15)\n\n\x0c'


b'CREDIT CARD ACCOUNT\nAGREEMENT AND DISCLOSURE\nTHIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL\nTRUTH-IN-LENDING DISCLOSURE STATEMENTS, MORE REWARDS VISA AND MORE REWARDS\nSECURED VISA AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF\nYOUR MORE REWARDS VISA AND MORE REWARDS SECURED VISA CREDIT CARDS, AND/OR\nANY OTHER ACCOUNT 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\n\n8.9% -16.9%\n\nAnnual Percentage Rate\n(APR) For Purchases\n\nMore Rewards VISA:\n\nAnnual Percentage Rate\n(APR) For Balance Transfers\n\nMore Rewards VISA: 8.9% -16.9%\n\nAnnual Percentage Rate\n(APR) For Cash Advances\n\nMore Rewards VISA: 8.9% -16.9%\n\nPenalty APR And When it\nApplies\n\n17.90%\n\nMore Rewards Secured VISA:\n\n10.9%\n\nMore Rewards Secured VISA: 10.9%\nMore Rewards Secured VISA: 10.9%\n\nThis APR may be applied if:\n1) You make a late payment.\nHow Long Will The Penalty APR Apply? If Your APRs are increased for this reason,\nthe Penalty APR applied to transactions that occur after the increase may be applied\nindefinitely. For transactions that occurred prior to the effective date of the increase, the\nincrease will apply indefinitely unless 6 consecutive payments are received on or before\nthe due date during the six-month period following such increase.\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each month\nwithin 26 days of Your statement closing date. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nIf You are charged interest, the charge will be no less than $0.50.\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\nTransaction Fees\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\nForeign Transaction\nCash Advance\n\n1.00% of each transaction in U.S. dollars\n2.00% of each advance ($5.00 minimum - $50.00 maximum)\n\nPenalty Fees\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\nReturned Payment\nOver-the-Credit Limit\nLate Payment\n\nUp to $23.00\nUp to $29.00\nUp to $29.00 after 4 days\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).\xe2\x80\x9d 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\nCopyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.\n\nPage 1 of 4\n\nOTBS 016CCY (4/15)\n\n\x0cAdditional Provisions of Agreement\nDEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean Vons Employees Federal Credit Union and Its Divisions. The words "You"\nand "Your" mean each person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any\nMore Rewards VISA or More Rewards Secured VISA Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the More Rewards\nVISA or More Rewards Secured VISA Credit Card Account established for You under this Agreement. "Convenience Check" means the special Account access devices\nthat We may provide for Your use from time to time. If this is a joint Account, read singular pronouns in the plural.\nPROMISE TO PAY. You understand that the following terms and conditions constitute Our Agreement with You. You may request advances on Your Account through a\nvariety of means which could include (but may not be limited to) telephonic requests, Convenience Checks, Credit Cards and the like. Regardless of the means by\nwhich any advance is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent\nor implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.\n\nDaily\nPeriodic Rate\n\nANNUAL\nPERCENTAGE\nRATE\n\nMore Rewards VISA\n\n___________%\n\n___________%\n\nMore Rewards Secured VISA\n\n___________%\n\n___________%\n\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in\nany place that it is honored and to get cash advances at participating financial\ninstitutions. You agree not to use Your Card for illegal transactions including,\nbut not limited to, advances made for the purpose of gambling and/or\nwagering where such practices are in violation of applicable state and/or\nfederal law.\n\nYou may, by separate agreement, authorize Us to charge Your payment directly\nto Your share or share draft account.\n\nAccount\nFeature Categories\n\nSECURITY. Collateral (other than household goods or any dwelling) given as\nsecurity under any other loan You may have with Us will secure all amounts You\nowe Us now and in the future if that status is reflected in the "Truth-in-Lending\nDisclosure" in any particular Agreement evidencing such debt.\nCONSENSUAL LIEN ON SHARES. You grant and consent to a lien on\nYour shares with Us (except for IRA and Keogh accounts) and any\ndividends due or to become due to You from Us to the extent You owe\non any unpaid Credit Card balance.\nACCOUNT RESTRICTIONS. In order to receive and maintain a More Rewards\nSecured VISA Credit Card, You agree to give Us a specific pledge of shares\nwhich will equal Your 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\nMore Rewards Secured VISA Credit Card. You may cancel Your More Rewards\nSecured VISA Credit Card at any time by paying any amounts owed on such\nAccount. To be certain that Your entire balance and all advances are paid, any\nshares pledged may not be available to You for 30 days after You have\ncancelled and any outstanding balance is paid in full.\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for\nwhich You are approved. Unless You are in default, any Credit Limits\nestablished for You will generally be self-replenishing as You make payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You\nwill pay any amount over Your Credit Limit on Our demand whether or not We\nauthorize the advances which caused You to exceed Your Credit Limit. Even if\nYour unpaid balance is less than Your Credit Limit, You will have no credit\navailable during any time that any aspect of Your Account is in default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for\nthe repayment of any amounts owed. If any Account access device, such as a\nPersonal Identification Number (PIN) is requested and approved, You\nunderstand that any such Account access device(s) will be mailed only to the\nprimary Borrower at the address that We have on file for You. We may refuse to\nfollow any instructions which 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\nright to repay at any time without penalty. You also understand that You will only\nbe charged periodic Finance Charges to the date You repay Your entire\nbalance. You may make larger payments without penalty. Any partial payment or\nprepayment will not delay Your next scheduled payment. All payments to Us\nmust be in lawful money of the United States. Except as required by law, We\nmay apply payments in an order of Our choosing.\nMore Rewards VISA and More Rewards Secured VISA Payments will be an\namount equal to 2.00% of Your new unpaid More Rewards VISA or More\nRewards Secured VISA balance at the end of each billing cycle, subject to the\nlesser of $15.00 or Your balance, plus any portion of the Minimum Payments\nshown on prior statement(s) which remains unpaid, plus any amount that\nexceeds Your approved Credit Limit.\nCopyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.\n\nFINANCE CHARGES. In the case of any transactions under Your Account, the\nbalances subject to the periodic Finance Charge are the average daily transactions\nbalances outstanding during the month (including new transactions). To get the\naverage daily balance, We take the beginning balance of Your Account each day,\nadd any new purchases, cash advances, insurance premiums, debit adjustments\nor other charges and subtract any payments, credits and unpaid Finance Charges.\nThis gives Us the daily balance. Then, We add up all the daily balances for the\nbilling cycle and divide them by the number of days in the billing cycle. The Finance\nCharge for a billing cycle is computed by multiplying the average daily balance\nsubject to a Finance Charge by the Daily Periodic Rate times the number of days in\nthe billing cycle.\nYou can avoid Finance Charges on purchases by paying the full amount of the\nentire balance owed each month within 26 days of Your statement closing date.\nOtherwise, the new balance of purchases, and subsequent purchases from the\ndate they are posted to Your Account, will be subject to a Finance Charge. Cash\nadvances and balance transfers are always subject to a Finance Charge from\nthe later of the date they are posted to Your Account or from the first day of the\nbilling cycle in which such transaction is posted to Your Account.\nThe minimum FINANCE CHARGE that You will be required to pay in any billing\ncycle that a Finance Charge is due is $0.50.\nPENALTY RATE. If Your Account is ever more than 60 days past due, subject to\napplicable law, the Daily Periodic Rate applicable to Your entire balance of\ntransactions existing at that time and in the future will increase to 0.049041%\n(corresponding ANNUAL PERCENTAGE RATE 17.90%). During the six month\nperiod following such an increase, if We receive the first six consecutive\nrequired minimum periodic payments when due, the rate applicable to the\nbalance of transactions that occurred prior to the increase will be returned to the\nstandard rate that would have otherwise been in effect.\nLATE CHARGE. If Your payment is 5 or more days late, You will be charged the\nlesser of: (a) the amount of the minimum payment due; or (b) $29.00.\nOVER-THE-CREDIT LIMIT FEE. If You have affirmatively consented to allow Us to\npay a transaction that would exceed Your Credit Limit and We have acknowledged\nYour consent as required by applicable law, subject to any limitations imposed by\napplicable law, You will be charged a fee for each billing cycle during which You\nexceed Your Credit Limit. The fee will be an amount equal to the lesser of: (a)\n$25.00 (this amount will be $29.00 if you have exceeded Your Credit Limit as\ndescribed above within 6 months of previously exceeding Your Credit Limit); or (b)\nthe amount by which You have exceeded Your Credit Limit.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries\nand foreign currencies, the exchange rate between the transaction\ncurrency and the billing currency (U.S. dollars) will be: (a) a rate selected\nby VISA from the range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the\nrate VISA itself receives; or (b) the government-mandated rate in effect for\nthe applicable central processing date. In each instance, You will be\ncharged a fee in an amount equal to 1.00% of the settlement amount.\nOTHER FEES AND CHARGES. You will be charged the following fees\nassociated with the use of Your Card: (a) the lesser of $23.00 for any check (or\nother negotiable instrument used for payment) which is returned unpaid, or the\n\nPage 2 of 4\n\nOTBS 016CCY (4/15)\n\n\x0cAdditional Provisions of Agreement\nrequired minimum payment amount for the returned payment; (b) a cash\nadvance fee FINANCE CHARGE equal to the greater of 2.00% of each advance\nor $5.00, subject to a maximum of $50.00; and (c) $6.00 for each replacement\nCard You request.\nOVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or\nin such increments as We may from time to time determine) to Your share draft\naccount by an advance on Your Account, subject to this provision, to clear any\nOverdraft on Your share draft account. Whether or not such transfers occur will\nbe controlled by this Agreement. In any event, You hold Us harmless for any\nand all liability which might otherwise arise if the transfer does not occur.\nOverdraft Protection automatically ceases if this Agreement is ever cancelled or\nterminated or Your Account is in default.\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. We will mail You a statement each month in which\nthere is a debit or credit balance or when a Finance Charge is imposed. We\nneed not send You a statement if We feel Your Account is uncollectible or if We\nhave started collection proceedings against You because You defaulted. EACH\nSTATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT\nUNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL\nTRUTH-IN-LENDING ACT.\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are\nunder no obligation to honor Your Convenience Checks if: (1) by paying a\nConvenience Check, You would exceed Your Credit Limit; (2) Your Cards or\nConvenience Checks have been reported lost or stolen; (3) Your Account has\nbeen cancelled or has expired. If a postdated Convenience Check is paid and,\nas a result, any other Convenience Check is returned unpaid, We are not\nresponsible for any resulting loss or liability.\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 of\nYour 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 will\nbe 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,\nwithout prior notice or demand.\n\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide\nfacts to update information contained in Your original Account application or\nother financial information related to You, at Our request. You also agree that\nWe may, from time to time, as We deem necessary, make inquiries pertaining\nto Your employment, credit standing and financial responsibility in\naccordance with applicable laws and regulations. You further agree that We\nmay give information about the status and payment history of Your Account to\nconsumer credit reporting agencies, a prospective employer or insurer, or a\nstate or federal licensing agency having any apparent legitimate business\nneed for such information.\nTERMINATION. Either You or We may cancel Your Account or any particular\nFeature Category of Your Account, at any time, whether or not You are in\ndefault. You will, in any case, remain liable to pay any unpaid balances\naccording to the terms of Your Account.\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at\nany time without notice. You agree to surrender Your Card and to discontinue its\nuse immediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue a\nPersonal Identification Number (PIN) for use with participating Automated Teller\nMachines (ATMs). This PIN is confidential and should not be disclosed to\nanyone. You may use Your PIN to access Your Account and all sums advanced\nwill 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.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using Your Card contain terms, this Agreement\nis the contract which solely applies to all transactions involving the Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your\nCard. You will not be liable for the unauthorized use that occurs after You notify\nUs of the loss, theft, or possible unauthorized use by calling Us during regular\nbusiness hours at (800) 488-8328, or after hours, on weekends or holidays at\n(800) 325-3678, or by writing to Us at the address shown in this Agreement. In\nany case, Your liability will not exceed $50.00.\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not\nliable for the refusal or inability of merchants, financial institutions and others to\naccept the Cards or Convenience Checks, or electronic terminals to honor the\nCards or complete a Card withdrawal, or for their retention of the Cards or\nConvenience Checks.\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.\n\nCOLLECTION COSTS. In the event collection efforts are required to obtain\npayment on this Account, to the extent permitted by law, You agree to pay all court\ncosts, private process server fees, investigation fees or other costs incurred in\ncollection and reasonable attorneys\xe2\x80\x99 fees incurred in the course of collecting any\namounts owed under this Agreement or in the recovery of any Collateral.\n\nLOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit\nCards or Convenience Checks, You will immediately call Us during regular\nbusiness hours at (800) 488-8328, or after hours, on weekends or holidays at\n(800) 325-3678, or by writing to Us at the address shown in this Agreement.\n\nENFORCEMENT. We do not lose Our rights under this or any related\nagreement if We delay enforcing them. We can accept late payments, partial\npayments or any other payments, even if they are marked "paid in full" without\nlosing any of Our rights under this Agreement. If any provision of this or any\nrelated agreement is determined to be unenforceable or invalid, all other\nprovisions remain in full force and effect.\n\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold\nand apply this credit against future purchases and cash advances, or if it is\n$1.00 or more refund it on Your written request automatically deposit it to Your\nshare account after 6 months.\n\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You\nmove or otherwise change Your address or telephone number.\n\nGOVERNING LAW. This Agreement is controlled and governed by the laws of\nthe State of California except to the extent that such laws are inconsistent with\ncontrolling federal law.\n\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\nterms of this Agreement includes, but is not limited to, the right to change the\nperiodic rate applicable to Your unpaid balance and/or future advances.\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 at a later date becomes an integrated part of this Agreement and Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this\nAgreement. By signing the application; or by using Your Account or any Account\naccess device; or by authorizing another to use Your Account, You agree to and\naccept its terms.\nCopyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.\n\nPage 3 of 4\n\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\nshown in this Agreement. In Your letter, give us the following information:\n\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\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.\nOTBS 016CCY (4/15)\n\n\x0cAdditional Provisions of Agreement\nWe may then report You as delinquent if You do not pay the amount We\nthink You owe.\n\nYou must contact Us:\n\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\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\ndo We are not required to investigate any potential errors and You may have to\npay the amount in question.\nWhat Will Happen After We Receive Your Letter\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\nthe matter has been settled between Us. If We do not follow all of the rules\nabove, You do not have to pay the first $50.00 of the amount You question\neven if Your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\n\nWhen We receive Your letter, We must do two things:\n1)\n2)\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 or\nexplain to You why We believe the bill is correct.\n\n1)\n\nWhile We investigate whether or not there has been an error:\n\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\xef\x82\xb7\xef\x80\xa0\n\nWe cannot try to collect the amount in question, or report You as\ndelinquent on 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\n\xef\x82\xb7\xef\x80\xa0\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\namount in question, along with applicable interest and fees. We will send\nYou a statement of the amount You owe and the date payment is due.\n\nCopyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.\n\n2)\n\n3)\n\nThe purchase must have been made in Your home state or within 100\nmiles of Your current mailing address, and the purchase price must have\nbeen more than $50.00. (Note: Neither of these are necessary if Your\npurchase was based on an advertisement We mailed to You, or if We own\nthe company that sold You the goods or services.)\nYou must have used Your Credit Card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses Your\nCredit Card account do not qualify.\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\npurchase, contact Us in writing at Our address shown in this Agreement.\n\nAfter We finish Our investigation, one of two things will happen:\n\n\xef\x82\xb7\xef\x80\xa0\n\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\nthe merchant, You may have the right not to pay the remaining amount due on\nthe purchase. To use this right, all of the following must be true:\n\nPage 4 of 4\n\nWhile We investigate, the same rules apply to the disputed amount as\ndiscussed above. After We finish Our investigation, We will tell You Our\ndecision. At that point, if We think You owe an amount and You do not pay, We\nmay report You as delinquent.\n\nOTBS 016CCY (4/15)\n\n\x0c'


b'CREDIT CARD AGREEMENT\nAND DISCLOSURE STATEMENT\nTHIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-INLENDING DISCLOSURE STATEMENTS, WORLD MASTERCARD, MASTERCARD PLATINUM,\nMASTERCARD PLATINUM REWARDS AND MASTERCARD PLATINUM SECURED AGREEMENTS, AND\nANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR WORLD MASTERCARD, MASTERCARD\nPLATINUM, MASTERCARD PLATINUM REWARDS AND MASTERCARD PLATINUM SECURED CREDIT\nCARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS\nAGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\nDEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean VANTAGE CREDIT UNION. The words "You" and "Your" mean each\nperson who accepts this Agreement or uses the World Mastercard, Mastercard Platinum, Mastercard Platinum Rewards or Mastercard Platinum Secured Credit\nCard(s). The words "Card" and "Credit Card" mean any World Mastercard, Mastercard Platinum, Mastercard Platinum Rewards or Mastercard Platinum Secured\nCredit Card issued to You by Us and any duplicates or renewals. If this is a joint Account, read singular pronouns in the plural.\nPROMISE TO PAY. You understand that the following terms and conditions constitute Our Agreement with You. Your Account may be accessible through a variety\nof means which could include advance request forms, vouchers, checks, charge slips, Credit Cards and the like. Regardless of the access means, You promise to\npay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your\nAccount, including Finance Charges and other fees or charges described herein.\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any place that it is honored and to get cash advances at participating financial\ninstitutions. You agree not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where\nsuch practices are in violation of applicable state and/or federal law.\nSECURITY. You acknowledge that You own any shares and/or collateral pledged as 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 shares and/or collateral being pledged enforceable.\nOTHER SECURITY. Collateral (other than household goods or any dwelling) given as security under this Agreement or for any other loan You may have with\nUs will secure all amounts You owe Us now and in the future if that status is reflected in the \xe2\x80\x9cTruth-In-Lending Disclosure\xe2\x80\x9d in any particular Agreement evidencing\nsuch debt.\nCONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your shares or deposits with Us (except for IRA and Keogh accounts) and any\ndividends/interest due or to become due to You from Us to the extent You owe on any unpaid Credit Card balance and/or Overdraft Protection balance\ncreated through the use of Your Debit card or ATM card.\nMASTERCARD PLATINUM SECURED CREDIT CARD RESTRICTIONS. In order to apply for and maintain a Mastercard Platinum Secured Card, You agree to\ngrant Us a specific security interest in Your Mastercard Secured Savings Account with Us. The amount that is pledged will equal Your Credit Limit, but in no event\nwill be less than $500.00. In order to retain Card privileges, the funds pledged as security will remain in Your Mastercard Secured Savings Account unless You\ncancel Your Mastercard Platinum Secured Card and request the redemption of any funds given as security. You may do so at any time by returning any Mastercard\nPlatinum Secured Cards issued to You and completing a Mastercard Secured Card Voluntary Closure form available from the Credit Union. Any funds securing Your\nMastercard Platinum Secured Card (less any amounts You owe) will be transferred to Your Regular Savings Account 15 days after We receive Your request. If Your\nMastercard Platinum Secured Card is closed for cause due to an overlimit or delinquent status, or is voluntarily closed while in an overlimit or delinquent status, any\nfunds securing Your Mastercard Platinum Secured Card will immediately be applied to any balance owing. You agree to immediately pay in full any amount then\noutstanding on Your Account.\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which You are approved. Unless You are in default, any Credit Limits established for\nYou will generally be self-replenishing as You make payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You will pay any amount over Your Credit Limit on Our demand whether or not We\nauthorize the advances which caused You to exceed Your Credit Limit. Even if Your unpaid balance is less than Your Credit Limit, You will have no credit available\nduring any time that any aspect of Your Account is in default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the repayment of any amounts owed. If any Account access device, such as a\nPersonal Identification Number (PIN) is requested and approved, You understand that any such Account access device(s) will be mailed only to the primary Borrower\nat the address We have on file for You. We may refuse to follow any instructions which run counter to this provision.\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only pay the Minimum Monthly Payments, You understand that You have the right\nto repay at any time without penalty. You also understand that You will only be charged periodic Finance Charges to the date You repay Your entire balance. You\nmay make larger payments without penalty. Any partial payment or prepayment will not delay Your next scheduled payment. All payments to Us must be in lawful\nmoney of the United States. We may apply each payment to whichever Credit Card We wish. Except as required by law, the order in which We may apply payments\nis at Our discretion.\nAny unpaid portion of the Finance Charge will be paid by subsequent payments and will not be added to Your principal balance. You understand that any delay in\nthe repayment of Your unpaid balance will increase Your periodic Finance Charges and any acceleration in the repayment of Your unpaid balance will decrease\nYour periodic Finance Charges.\nWorld Mastercard, Mastercard Platinum, Mastercard Platinum Rewards and Mastercard Platinum Secured Minimum Payments will be an amount equal to 3.00% of\nYour new unpaid World Mastercard, Mastercard Platinum, Mastercard Platinum Rewards or Mastercard Platinum Secured Account balance at the end of each billing\ncycle, subject to the lesser of $26.00 or Your balance, plus any portion of the Minimum Payments shown on prior statement(s) which remains unpaid, plus any\namount that exceeds any approved Credit Limit.\nYou may, by separate agreement, authorize Us to charge an amount equal to: (a) the Minimum Periodic Payment shown on Your Periodic Billing Statement; (b) a\nset amount not less than 3.00% of Your approved Credit Limit; or (c) the total New Balance shown on Your Periodic Billing Statement. If You authorize Us to do this,\nthe amount designated in such agreement will be deducted automatically from Your checking or Regular Savings account with Us or Your checking account at\nanother institution.\nCopyright Oak Tree Business Systems, Inc., 2010-2020. All Rights Reserved.\n\nPage 1 of 4\n\nOTBS 016CC FRB_ Web VANT (7/20)\nRev. (6/17)\n\n\x0cLATE CHARGE. If Your payment is more than 15 days late, You will be charged 5.00% of the payment due, subject to a maximum of $25.00 and a minimum of\n$10.00 (whenever the payment due is greater than $25.00).\nOTHER FEES AND CHARGES. You will be charged the following fees associated with the use of Your Card: (a) the lesser of $25.00 or the amount of the minimum\npayment due for each check (or other negotiable instrument used for payment) that is returned unpaid; (b) $10.00 for each copy of a receipt You request (refunded\nif the basis for the request is a dispute and it is resolved in Your favor); (c) $10.00 for each replacement Card You request; (d) and $10.00 for each duplicate\nstatement You request.\nFINANCE CHARGES. In the case of any transactions under Your World Mastercard, Mastercard Platinum, Mastercard Platinum Rewards or Mastercard Platinum\nSecured Credit Card(s), the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including\nnew transactions). To get the average daily balance, We take the beginning balance each day, add any new purchases, balance transfers, cash advances, insurance\npremiums, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up\nall the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying\nthe average daily balance subject to a Finance Charge by the Monthly Periodic Rate.\nYou can avoid Finance Charges on purchases of goods and services by paying the full amount of the entire balance owed each month within 25 days of Your\nstatement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a\nFinance Charge. Cash advances and balance transfers are always subject to a Finance Charge from the date they are posted to Your Account.\nFor the current Margin, Index, monthly periodic rate (and the corresponding Annual Percentage Rate) for Your Account, refer to the separate page titled\n\xe2\x80\x9cAdditional Disclosure \xe2\x80\x93 Federal Truth-In- Lending Act\xe2\x80\x9d which has been provided in conjunction with Your Credit Card.\nVARIABLE RATE. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall Street\nJournal in effect on the 15th calendar day that immediately precedes the 1st day of each calendar quarter ("Index") plus Our Margin. The Index plus the Margin\nequals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle during the months of January, April, July\nand October of each year. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and will affect the number of\nYour regularly scheduled payments. We may choose not to apply an increased rate resulting from an increase in the Index and if We do, You agree that such act\nwill not constitute a reduction in Your Margin. You further agree that in such an event We would not lose Our right to apply any subsequent increase, whether or not\noccasioned by any previously unapplied increase.\nPENALTY RATE. If Your Account is more than 60 days past due, subject to applicable law, the Margin applicable to Your entire balance of transactions existing at\nthat time and in the future will be increased to 24.99%. An increase in the Margin will result in an increase in the Monthly Periodic Rate (corresponding to an increase\nin the Annual Percentage Rate). For detailed rate information concerning the manner in which the penalty rate may be applied to Your Account, refer to the separate\npage titled "Additional Disclosure - Federal Truth-In-Lending Act" which has been provided in conjunction with Your Credit Card.\nDuring the three month period following such an increase, if We receive the first three consecutive required minimum periodic payments when due, the rate applicable\nto the balance of transactions that occurred prior to such increase will be returned to the standard variable periodic rate that would have otherwise been in effect.\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement showing all transactions on Your Account including amounts paid and borrowed since\nYour last statement. We will mail or deliver a statement each month in which there is a debit or credit balance or when a Finance Charge is imposed. We need not\nsend You a statement if We feel Your Account is uncollectible or if We have started collection proceedings against You because You defaulted. Each statement is\ndeemed to be a correct statement of account unless You establish a billing error pursuant to the Federal Truth-In-Lending Act.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform any obligation under this Agreement, or any other agreement that You may have\nwith Us; or (b) You should die, become involved in any insolvency, receivership or custodial proceeding brought by or against You; or (c) You have made a false or\nmisleading statement in Your credit application and/or in Your representations to Us while You owe money on Your Account; or (d) A judgment or tax lien should be\nfiled against You or any attachment or garnishment should be issued against any of 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 good 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 Your rights under this Agreement, require the return of all access devices and\ndeclare the entire balance of Your Account immediately due and payable, without prior notice or demand.\nCOLLECTION COSTS. In the event collection efforts are required to obtain payment on this Account, to the extent permitted by law, You agree to pay all court costs,\nprivate process server fees, investigation fees or other costs incurred in collection and reasonable attorneys\xe2\x80\x99 fees incurred in the course of collecting any amounts\nowed under this Agreement or in the recovery of any collateral.\nENFORCEMENT. We do not lose Our rights under this or any related agreement if We delay enforcing them. We can accept late payments, partial payments or any\nother payments, even if they are marked "paid in full" without losing any of Our rights under this Agreement. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full force and effect.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly in writing if You move or otherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or delivering to You written notice of the changes as prescribed by the Federal TruthIn-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit under this Agreement. However, You may purchase any credit insurance available\nthrough Us and have the premiums added to Your outstanding balance. If You elect to do so, You will be given the necessary disclosures and documents separately.\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional Disclosure \xe2\x80\x94 Federal Truth-In-Lending Act," which is delivered together with this\nAgreement or at a later date becomes an integrated part of this Agreement and Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. By signing the application; or by using Your Account or any Account access\ndevice; or by authorizing another to use Your Account, You agree to and accept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 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, from time to time, as We deem necessary, make inquiries pertaining to Your\nemployment, credit standing and financial responsibility in accordance with applicable laws and regulations. You further agree that We may give information about\nCopyright Oak Tree Business Systems, Inc., 2010-2020. All Rights Reserved.\n\nPage 2 of 4\n\nOTBS 016CC FRB_ Web VANT (7/20)\nRev. (6/17)\n\n\x0cthe status and payment history of Your Account to consumer credit reporting agencies, a prospective employer or insurer, or a state or federal licensing agency\nhaving any apparent legitimate business need for such information.\nTERMINATION. Either You or We may cancel Your Account or any particular Credit Card of Your Account, at any time, whether or not You are in default. You will,\nin any case, remain liable to pay any unpaid balances according to the terms of Your Account.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the State of Missouri except to the extent that such laws are inconsistent with\ncontrolling federal law.\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at any time without notice. You agree to surrender Your Card and to discontinue its use\nimmediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue You a Personal Identification Number (PIN) for use with participating Automated\nTeller Machines (ATMs). This PIN is confidential and should not be disclosed to anyone. You may use Your PIN to access Your A ccount and all sums advanced\nwill be added to Your Account balance. In the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic Fund\nTransfer Agreement may also affect Your rights. Your use of the PIN is Your authorization to Us to withdraw funds from Your Account or charge Your Card to\ncover such transactions.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other slips You may sign or receive when using Your Card contain terms, this Agreement\nis the contract which solely applies to all transactions involving the Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. You will not be liable for the unauthorized use that occurs after You notify Us of\nthe loss, theft, or possible unauthorized use by calling Us at the telephone number shown in this Agreement or by writing to Us at the address shown in this\nAgreement. In any case, Your liability will not exceed $50.00.\nREFUSAL TO HONOR CARDS. We are not liable for the refusal or inability of merchants, financial institutions and others to accept the Cards, or electronic terminals\nto honor the Cards or complete a Card withdrawal, or for their retention of the Cards.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the exchange rate between the transaction currency and the billing currency (U.S.\ndollars) will be: (a) a rate selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date, which\nrate may vary from the rate Mastercard itself receives; or (b) the government-mandated rate in effect for the applicable central processing date. In each instance,\nYou will be charged 1.00% calculated on the final settlement amount.\nTRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic terminal or financial institution at which transactions were made, but sales,\ncash advances, credit or other slips cannot be returned with the statement.\nLOST CARDS. To report lost or stolen Credit Cards or PINs, or any combination thereof, You will immediately call the following numbers: (314) 298-0055 or (800)\n522-6009 during regular business hours. After business hours, for Mastercard Platinum, Mastercard Platinum Rewards or Mastercard Platinum Secured Credit Cards\ncall (800) 449-7728 and for World Mastercard Credit Cards call (866) 820-2908.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or adjustments, they will do so by sending Us a slip which will be posted to Your Account.\nIf Your credits and payments exceed what You owe Us, We will hold and apply this credit against future purchases and cash advances, or if it is $1.00 or more\nrefund it on Your written request or automatically deposit it to Your Regular Savings account after six months.\n\nORAL AGREEMENTS. Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment\nof a debt including promises to extend or renew such debt are not enforceable. To protect You and Us from misunderstanding\nor disappointment, any agreements We reach covering such matters are contained in this writing, which is the complete and\nexclusive statement of the agreement between Us, except as We may later agree in writing to modify it.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit 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 in this Agreement. In Your letter, give Us the following information:\n\xe2\x80\xa2 Account information: Your name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake.\nYou must contact Us:\n\xe2\x80\xa2 Within 60 days after the error appeared on Your statement.\n\xe2\x80\xa2 At least three business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong.\nYou must notify Us of any potential errors in writing. You may call Us, but if You do We are not required to investigate any potential errors and You may have to pay\nthe amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1) Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have already corrected the error.\n2) Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is correct.\nWhile We investigate whether or not there has been an error:\nCopyright Oak Tree Business Systems, Inc., 2010-2020. All Rights Reserved.\n\nPage 3 of 4\n\nOTBS 016CC FRB_ Web VANT (7/20)\nRev. (6/17)\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report You as delinquent on that amount.\nThe charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for 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:\n\xe2\x80\xa2 If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send You a statement of\nthe amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot\nreport You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom We reported You as delinquent,\nand We must let those organizations know when the matter has been settled between Us. If We do not follow all of the rules above, You do not have to pay the first\n$50.00 of the amount You question even if Your bill 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 Your 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 purchase. To use this right, all of the following must be true:\n1) The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the purchase price must have been more\nthan $50.00. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if W e own the company that sold\nYou the goods or services.)\n2) You must have used Your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\n3) You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing at Our address shown in this Agreement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our decision. At that point,\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., 2010-2020. All Rights Reserved.\n\nPage 4 of 4\n\nOTBS 016CC FRB_ Web VANT (7/20)\nRev. (6/17)\n\n\x0cPRICING INFORMATION ADDENDUM \xe2\x80\x93\nCREDIT CARD AGREEMENT\nAND DISCLOSURE STATEMENT\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR WORLD\nMASTERCARD, MASTERCARD PLATINUM, MASTERCARD PLATINUM REWARDS AND MASTERCARD\nPLATINUM SECURED CREDIT CARDS. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND\nNOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage\nRate (APR) For\nPurchases, Balance\nTransfers and Cash\nAdvances\n\n10.49% - 17.49%\n\nWorld Mastercard:\ndepending on Your creditworthiness.\nThese APRs will vary with the market based on the Prime Rate.\n\n8.24% - 15.24%\n\nMastercard Platinum:\ndepending on Your creditworthiness.\nThese APRs will vary with the market based on the Prime Rate.\n\n9.99% - 16.99%\n\nMastercard Platinum Rewards:\ndepending on Your creditworthiness.\nThese APRs will vary with the market based on the Prime Rate.\n\n6.25% - 8.25%\n\nMastercard Platinum Secured:\ndepending on Your creditworthiness.\nThese APRs will vary with the market based on the Prime Rate.\nPenalty APR And When\nit Applies\n\n28.24%\nThis APR will vary with the market based on the Prime Rate.\nThis APR may be applied if:\n1) You make a late payment.\nHow Long Will The Penalty APR Apply? If Your APRs are increased for this reason, the\nPenalty APR applied to transactions that occur after the increase may be applied indefinitely.\nFor transactions that occurred prior to the effective date of the increase, the increase will apply\nindefinitely unless three consecutive payments are received on or before the due date during\nthe three-month period following such increase.\n\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each month\nwithin 25 days from Your statement closing date. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFees\nTransaction Fees\n\xef\x82\xb7\n\nForeign Transaction\n\n1.00% of each foreign currency transaction in U.S. Dollars.\n1.00% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nReturned Payment\nLate Payment\n\nUp to $25.00\nFor payments over $25.00, $10.00-$25.00 subject to Your payment amount.\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.\nFINANCE CHARGES. In the case of any transactions under Your World Mastercard, Mastercard Platinum, Mastercard Platinum Rewards or Mastercard Platinum\nSecured Credit Card(s), the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including\nnew transactions). To get the average daily balance, We take the beginning balance each day, add any new purchases, balance transfers, cash advances, insurance\npremiums, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up\nall the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying\nthe average daily balance subject to a Finance Charge by the Monthly Periodic Rate.\nCopyright Oak Tree Business Systems, Inc., 2010-2020. All Rights Reserved.\n\nPage 1 of 2\n\nOTBS 016ACC FRB_ Web VANT (7/20)\nRev. (3/20)\n\n\x0cYou can avoid Finance Charges on purchases of goods and services by paying the full amount of the entire balance owed each month within 25 days of Your\nstatement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a\nFinance Charge. Cash advances and balance transfers are always subject to a Finance Charge from the date they are posted to Your Account.\nFor World Mastercard, all transactions are subject to the Monthly Periodic Rate that will apply to Your unpaid World Mastercard balance will be 0.8742% - 1.4575%\n(corresponding ANNUAL PERCENTAGE RATE 10.49% - 17.49%), based on Your creditworthiness at the time You established Your Account.\nFor Mastercard Platinum, all transactions are subject to the Monthly Periodic Rate that will apply to Your unpaid Mastercard Platinum balance will be 0.6867% 1.2700% (corresponding ANNUAL PERCENTAGE RATE 8.24% - 15.24%), based on Your creditworthiness at the time You established Your Account.\nFor Mastercard Platinum Rewards, all transactions are subject to the Monthly Periodic Rate that will apply to Your unpaid Mastercard Platinum Rewards balance will be\n0.8325% - 1.4158% (corresponding ANNUAL PERCENTAGE RATE 9.99% - 16.99%), based on Your creditworthiness at the time You established Your Account.\nThe Monthly Periodic Rate that will apply to Your unpaid Mastercard Platinum Secured balance will be 0.5208% or 0.6875% (corresponding ANNUAL PERCENTAGE\nRATE 6.25% - 8.25%), based on Your creditworthiness at the time You established Your Account.\nFor World Mastercard, the Margin will be 7.24% - 14.24%, based on Your creditworthiness at the time You established Your Account. For Mastercard Platinum, the\nMargin will be 4.99% - 11.99%, based on Your creditworthiness at the time You established Your Account. For Mastercard Platinum Rewards, the Margin will be\n6.74% - 13.74%, based on Your creditworthiness at the time You established Your Account. For Mastercard Platinum Secured, the Margin will be 3.00% - 5.00%,\ndepending on Your creditworthiness.\n\nCopyright Oak Tree Business Systems, Inc., 2010-2020. All Rights Reserved.\n\nPage 2 of 2\n\nOTBS 016ACC FRB_ Web VANT (7/20)\nRev. (3/20)\n\n\x0c'