CREDIT LINE ACCOUNT AGREEMENT 
                                   AND FEDERAL DISCLOSURE STATEMENT 
            815 Colorado Boulevard  THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-
             Los Angeles, CA 90041  LENDING DISCLOSURE STATEMENTS, CLASSIC VISA, SECURED CLASSIC VISA, PLATINUM VISA, 
              (323) 254-1700    SECURED PLATINUM VISA, CALIFORNIA PROFESSIONAL FIREFIGHTERS ("CPF") VISA, AND SECURED 
                                 CALIFORNIA PROFESSIONAL FIREFIGHTERS ("CPF") VISA AGREEMENTS, AND ANY SPECIAL 
                                 INSTRUCTIONS REGARDING THE USE OF YOUR CLASSIC VISA, SECURED CLASSIC VISA, PLATINUM 
                                 VISA, SECURED PLATINUM VISA, CPF VISA, AND SECURED CPF VISA CREDIT CARDS, AND/OR ANY 
                                OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND 
                                NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 
    Interest Rate and Interest Charges 
                                                      
    Annual Percentage Rate 
                       Classic VISA: _______%        Secured Platinum VISA: _______%  
    (APR) For Purchases 
                                                       
     
                       Secured Classic VISA: _______%   CPF VISA: _______%  
                                                      
                       Platinum VISA: _______%       Secured CPF VISA: _______% 
                                                       
                                                      
    APR For Balance Transfers  Classic VISA: _______%   Secured Platinum VISA: _______%  
     
                                                       
                       Secured Classic VISA: _______%   CPF VISA: _______%  
                                                      
                       Platinum VISA: _______%       Secured CPF VISA: _______% 
                                                       
                                                      
    APR For Cash Advances  Classic VISA: _______%    Secured Platinum VISA: _______%  
     
                                                       
                       Secured Classic VISA: _______%   CPF VISA: _______%  
                                                      
                       Platinum VISA: _______%       Secured CPF VISA: _______% 
                                                       
                         
                       Safety Line Line of Credit: ________% 
                          This APR will vary with the market based on the Prime Rate. 
                            
                        
    Paying Interest    We will not charge You interest on purchases if You pay Your entire balance owed each month 
                       within 25 days of Your statement closing date. We will begin charging interest on cash 
                       advances and balance transfers on the transaction date. 
                        
                        
    For Credit Card Tips from  To learn more about factors to consider when applying for or using a Credit Card,  
    the Consumer Financial  visit the website of the Consumer Financial Protection Bureau at 
    Protection Bureau  http:www.consumerfinance.gov/learnmore. 
                        
    Fees 
                        
    Transaction Fees    
                        
     �  Foreign Transaction  For VISA, 1.00% of each foreign currency transaction in U.S. dollars. 
     
                       For VISA, 1.00% of each U.S. Dollar transaction that occurs in a foreign country. 
                        
                        
    Penalty Fees        
                        
     �  Returned Payment  For VISA, up to $22.00 
     �  Late Payment   For VISA, up to $15.00 
     
                       Except VISA, $15.00 
                        
     
    
   How We Will Calculate Your Balance: Except VISA, We use a method called "daily balance.� For VISA, We use a method 
   called "average daily balance (including new purchases).� See Your Account Agreement for details. 
    
   Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account 
   Agreement. 
    
    
    
    
    
   Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.                                                     Page 1 of 5                                                                                                                                     OTBS 016 LAFR (12/15)  
       
    
    
   In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean FIREFIGHTERS FIRST CREDIT UNION. The words "You" and "Your" mean each person 
   accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any Classic VISA, Secured Classic VISA, 
   Platinum VISA, Secured Platinum VISA, CPF VISA, or Secured CPF VISA Credit Card issued to You by Us and any duplicates or renewals. "Convenience Checks" mean 
   the special Account access devices that We may provide for Your use from time to time. 
    
   You, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein 
   constitute Our Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic 
   requests, advance request forms, vouchers, checks, charge slips, Convenience Checks, debit cards, ATM cards, Credit Cards, wire transfers, direct transfers and/or wire 
   transfers to specific payees identified by You, direct transfers to Your share/share draft or other Credit Union account and the like. Regardless of the means by which any 
   advance is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied 
   authority for use of Your Account, including Finance Charges and other fees or charges described herein. 
    
   FEATURE CATEGORIES. Your Account has Feature Categories which may include Safety Line Line of Credit, Classic VISA, Secured Classic VISA, Platinum VISA, 
   Secured Platinum VISA, CPF VISA, and Secured CPF VISA. 
    
                                                          Monthly        Annual 
       Feature Category                                  Periodic Rate  Percentage Rate 
                                                         for Purchases  for Purchases 
                                                                            
    Classic VISA                                         __________%    __________% 
                                                                            
    Platinum VISA                                        __________%    __________% 
                                                                            
    CPF VISA                                             __________%    __________% 
                                                                            
    Secured Classic VISA                                 __________%    __________% 
                                                                            
    Secured Platinum VISA                                __________%    __________% 
                                                                            
    Secured CPF VISA                                     __________%    __________% 
                                                                      
                                                          Monthly        Annual 
       Feature Category                                  Periodic Rate  Percentage Rate 
                                                       for Balance Transfers  for Balance Transfers 
                                                                             
    Classic VISA                                         __________%    __________% 
                                                                             
                              
    Platinum VISA                                        __________%    __________% 
                              
                                                                             
                              
    CPF VISA                                             __________%    __________% 
                              
                                                                             
                              
    Secured Classic VISA                                 __________%    __________% 
                              
                                                                             
                              
    Secured Platinum VISA                                __________%    __________% 
                      
                                                                             
    Secured CPF VISA                                     __________%    __________% 
                                                                      
                         Variable Rate      Daily         Monthly        Annual 
       Feature Category                   Periodic Rate  Periodic Rate  Percentage Rate 
                       Index    Margin  for Cash Advances  for Cash Advances  for Cash Advances 
                                                                             
    Classic VISA                                         __________%    __________% 
                                                                             
    Platinum VISA                                        __________%    __________% 
                                                                             
    CPF VISA                                             __________%    __________% 
                                                                             
    Secured Classic VISA                                 __________%    __________% 
                                                                             
    Secured Platinum VISA                                __________%    __________% 
                                                                             
    Secured CPF VISA                                     __________%    __________% 
                                                                             
    Safety Line Line of Credit  ________  ________  __________%         __________% 
                                                                      
    
    
   ADVANCES. Whenever You request a transaction, We may require You to prove Your  SECURITY. As permitted by law, to secure all transactions under this Agreement in 
   identity. Advances made on Your Account will be processed according to the  either joint or individual Accounts, We have the right to impress and enforce a 
   instructions You give Us (such as by wire transfer, direct transfer to Your Credit Union  statutory lien against Your shares on deposit with Us (other than those deposits 
   account or by other such means) and You authorize Us to do this, or We may draw a  established under a governmental approved tax deferral plan such as an IRA or 
   draft or check made payable to You and mail it to You. When the amount advanced  Keogh account), and any dividends due or to become due to You from Us to the 
   appears on a subsequent statement, that will be conclusive evidence of Your advance  extent that You owe on any unpaid balance on Your Account and We may enforce 
   request unless You notify Us that You disagree with any such item appearing on Your  Our right to do so without further notice to You. Additionally, You agree that We may 
   periodic statement according to the provision of this Agreement titled "Your Billing  set-off any mutual indebtedness. 
   Rights: Keep this Document for Future Use." You understand that whether or not any   
   specific secured advance request is approved may be determined by how much equity  You acknowledge that You own any certificates, shares and/or Collateral pledged 
   You have or will have in the shares, certificates and/or Collateral offered as security.  as security and that there are no other liens against them other than Ours. You 
   Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.                                                     Page 2 of 5                                                                                                                                     OTBS 016 LAFR (12/15)  
       
   agree to perform all acts which are necessary to make Our security interest in  Unpaid Balance  Minimum Payment 
   the certificates, shares and/or Collateral being pledged enforceable.  $10,000.01 - $12,000.00  $350.00 
                                                  $12,000.01 - $14,000.00  $400.00 
   For advances under any Feature Category secured by certificates, You agree that all  $14,000.01 - $16,000.00  $450.00 
   certificates which are pledged as Collateral must be renewed until Your outstanding  $16,000.01 - $18,000.00  $500.00 
   balance is paid in full and the such Feature Category is closed. Failure to renew any  $18,000.01 - $20,000.00  $550.00 
   certificates securing any advance will cause Your entire outstanding Account balance to  $20,000.01 - $22,000.00  $600.00 
   become immediately due and payable.            $22,000.01 - $24,000.00  $650.00 
                                                  $24,000.01 - $26,000.00  $700.00 
   OTHER SECURITY. Collateral (other than household goods or any dwelling) given as  $26,000.01 - $28,000.00  $750.00 
   security under this Agreement or for any other loan You may have with Us will secure all  $28,000.01 - $30,000.00  $800.00 
   amounts You owe Us now and in the future if that status is reflected in the "Truth-in- $30,000.01 - $32,000.00  $850.00 
   Lending Disclosure" in any particular Agreement evidencing such debt.       $32,000.01 - $34,000.00  $900.00 
                                                  $36,000.01 - $38,000.00  $950.00 
    CONSENSUAL LIEN ON SHARES. If You have been issued a Credit Card, ATM  $38,000.01 - $40,000.00  $1,000.00 
    card or debit card, You grant and consent to a lien on Your shares with Us  $40,000.01 - $42,000.00  $1,050.00 
    (except for IRA and Keogh accounts) and any dividends due or to become due to  $42,000.01 - $44,000.00  $1,100.00 
    You from Us to the extent You owe on any unpaid Credit Card balance, and/or  $44,000.01 - $46,000.00  $1,150.00 
    Safety Line Line of Credit balance created through the use of Your ATM card or  $46,000.01 - $48,000.00  $1,200.00 
    debit card.                                   $48,000.01 - $50,000.00  $1,250.00 
                                                  $50,000.01 & Greater  2.50% of the 
   ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured Classic VISA,  unpaid balance 
   Secured Platinum VISA, or Secured CPF VISA Feature Category, You agree to give Us a   
   specific pledge of shares which will equal Your Credit Limit. In the event that You default  VISA Minimum Payments will be an amount equal to 2.50% of Your new unpaid 
   on such Feature Category, We may apply these shares toward the repayment of any  VISA balance at the end of each billing cycle, subject to the lesser of $25.00 or Your 
   amount owed on that Feature Category. You may cancel Your Secured Classic VISA,  balance, plus any portion of the Minimum Payments shown on prior statement(s) 
   Secured Platinum VISA, or Secured CPF VISA Feature Category at any time by paying  which remains unpaid, plus any amount that exceeds Your approved Credit Limit. 
   any amounts owed on that Feature Category. To be certain that Your entire balance and   
   all advances are paid, any shares pledged may not be available to You for 30 days after  You may, by separate agreement, authorize Us to charge Your payment directly to 
   You have cancelled and any outstanding balance is paid in full.  Your share or share draft account. 
                                             
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each  LATE CHARGE (EXCEPT VISA). If Your payment is 15 or more days late, You will 
   Feature Category for which You are approved. Unless You are in default, any Credit  be charged $15.00. 
   Limits established for You will generally be self-replenishing as You make   
   payments. You will keep Your unpaid balance within Your Credit Limit set by Us,  FINANCE CHARGES (EXCEPT VISA). A Finance Charge will be assessed on any 
   and You will pay any amount over Your Credit Limit on Our demand whether or not  unpaid principal balance for each Feature Category of Your Account for the period 
   We authorize the advances which caused You to exceed Your Credit Limit. Even if  such balance is outstanding. Balances change each time advances are made, 
   Your unpaid balance is less than Your Credit Limit, You will have no credit available  payments are made or credits given under any Feature Category. The Finance 
   during any time that any aspect of Your Account is in default.  Charge begins to accrue on the date of each advance and there is no grace period. 
                                             
   JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the  HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA).  The Finance 
   repayment of any amounts owed. If any Account access device, such as a Personal  Charge is determined by multiplying Your unpaid balance at the close of each day in 
   Identification Number (PIN) is requested and approved, You understand that any  the billing cycle being accounted for by the applicable Daily Periodic Rate. The 
   such Account access device(s) will be mailed only to the primary Borrower at the  unpaid balance is the balance each day after payments, credits, and unpaid 
   address that We have on file for You. We may refuse to follow any instructions  Finance Charges to that balance have been subtracted and any new advances, 
   which run counter to this provision.     insurance premiums or other charges have been added to Your unpaid balance. 
                                            These daily Finance Charges are then added together and the sum is the amount of 
   MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need  the Finance Charge owed for the Feature Category being accounted for. The total 
   only pay the Minimum Monthly Payments, You understand that You have the right to  Finance Charge You owe on Your Account for each billing cycle is the sum of all the 
   repay at any time without penalty. You also understand that You will only be  Finance Charges due for all applicable Feature Categories. 
   charged periodic Finance Charges to the date You repay Your entire balance. You   
   may make larger payments without penalty. Any partial payment or prepayment will  VISA FINANCE CHARGES. The balances subject to the periodic Finance Charge 
   not delay Your next scheduled payment. All payments to Us must be in lawful  are the average daily transactions balances outstanding during the month (including 
   money of the United States. We may apply each payment to whichever Feature  new transactions). To get the average daily balance, We take the beginning balance 
   Category We wish. For all Feature Categories (except VISA), payments will be  of Your Account each day, add any new purchases, balance transfers, cash 
   applied first to any Late Charges owing, then to the Finance Charge due, then to the  advances, debit adjustments or other charges and subtract any payments, credits 
   outstanding principal balance. As permitted by law, We may apply VISA payments  and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all 
   at Our discretion.                       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 the 
   Any unpaid portion of the Finance Charge will be paid by subsequent payments and  average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 
   will not be added to Your principal balance. You understand that any delay in the   
   repayment of Your unpaid balance will increase Your periodic Finance Charges and  You can avoid Finance Charges on purchases by paying the full amount of the 
   any acceleration in the repayment of Your unpaid balance will decrease Your  entire balance owed each month within 25 days of Your statement closing date. 
   periodic Finance Charges.                Otherwise, the new balance of purchases, and subsequent purchases from the date 
                                            they are posted to Your Account, will be subject to a Finance Charge. Balance 
   Safety Line Line of Credit Minimum Monthly Payments will be established at the  transfers and cash advances are always subject to a Finance Charge from the later 
   close of each billing cycle in an amount equal to the lesser of Your balance or that  of the date they are posted to Your Account or from the first day of the billing cycle 
   described in the following table, plus any portion of the Minimum Payments shown  in which the transaction is posted to Your Account. 
   on prior statement(s) which remains unpaid, plus any amount that exceeds Your   
   approved Credit Limit:                   VARIABLE RATE (EXCEPT VISA). All advances are subject to a Variable Rate 
                                            which is based on the highest Prime Rate as published in the Money Rates section 
          Unpaid Balance  Minimum Payment   of The Wall Street Journal in effect on the last day of each calendar month ("Index") 
          $0.01 - $1,000.00  $25.00         plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in 
         $1,000.01 - $2,000.00  $50.00      the Index will cause changes in the Interest Rate on the 1st day of the billing cycle 
         $1,000.01 - $2,000.00  $75.00      in the month that immediately follows a change in the Index. Increases or decreases 
         $2,000.01 - $3,000.00  $125.00     in the Interest Rate will cause like increases or decreases in the Finance Charge 
         $3,000.01 - $5,000.00  $150.00     and will affect the number of Your regularly scheduled payments. Your Interest Rate 
         $5,000.01 - $6,000.00  $188.00     will never be greater than 18.00% nor less than 8.00% and will apply to Your 
         $6,000.01 - $7,500.00  $225.00     remaining principal balance. 
         $7,500.01 - $9,000.00  $250.00      
         $9,000.01 - $10,000.00  $300.00    OVERDRAFT PROTECTION. We may transfer funds in the amount necessary 
                                            (or in such increments as We may from time to time determine) to Your share 
   Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.                                                     Page 3 of 5                                                                                                                                     OTBS 016 LAFR (12/15)  
       
   draft account by an advance on Your Safety Line Line of Credit, Classic VISA,  about the status and payment history of Your Account to consumer credit reporting 
   Secured Classic VISA, Platinum VISA, Secured Platinum VISA, CPF VISA, or  agencies, a prospective employer or insurer, or a state or federal licensing agency 
   Secured CPF VISA Feature Category, subject to this provision, to clear any  having any apparent legitimate business need for such information.  
   overdraft on Your share draft account. Whether or not such transfers occur will   
   be controlled by this Agreement. In any event, You hold Us harmless for any and  TERMINATION. Either You or We may cancel Your Account or any particular 
   all liability which might otherwise arise if the transfer does not occur. Overdraft  Feature Category of Your Account, at any time, whether or not You are in default. 
   protection automatically ceases if this Agreement is ever cancelled or terminated  You will, in any case, remain liable to pay any unpaid balances according to the 
   or Your Account is in default.           terms of Your Account. 
                                             
   PERIODIC STATEMENTS. On a regular basis, You will receive a statement  GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
   showing all transactions on Your Account including amounts paid and borrowed  State of California, except to the extent that such laws are inconsistent with 
   since Your last statement. We will mail You a statement each month in which there  controlling federal law. 
   is a debit or credit balance or when a Finance Charge is imposed. We need not   
   send You a statement if We feel Your Account is uncollectible or if We have started  SPECIFIC TERMS APPLICABLE TO YOUR CLASSIC VISA, 
   collection proceedings against You because You defaulted. EACH STATEMENT IS  SECURED CLASSIC VISA, PLATINUM VISA, SECURED PLATINUM VISA, 
   DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT UNLESS YOU  CPF VISA, AND SECURED CPF VISA CREDIT CARDS 
   ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL TRUTH-IN-  
   LENDING ACT.                             USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
                                            place that it is honored and to get cash advances at participating financial 
   OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under  institutions. You agree not to use Your Card for illegal transactions including, but not 
   no obligation to honor Your Convenience Checks if: (1) by paying a Convenience  limited to, advances made for the purpose of gambling and/or wagering where such 
   Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks  practices are in violation of applicable state and/or Federal law. 
   have been reported lost or stolen; (3) Your Account has been cancelled or has   
   expired. If a postdated Convenience Check is paid and, as a result, any other  OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
   Convenience Check is returned unpaid, We are not responsible for any resulting  time without notice. You agree to surrender Your Card and to discontinue its use 
   loss or liability.                       immediately upon Our request. 
                                             
   DEFAULT. You will be in default if: (a) You do not make any payment or perform  ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon 
   any obligation under this Agreement, or any other agreement that You may have  Your request, a Personal Identification Number (PIN) for use with participating 
   with Us; or (b) You should die, become involved in any insolvency, receivership or  Automated Teller Machines (ATMs). This PIN is confidential and should not be 
   custodial proceeding brought by or against You; or (c) You have made a false or  disclosed to anyone. You may use Your PIN to access Your Account and all sums 
   misleading statement in Your credit application and/or in Your representations to Us  advanced will be added to Your Account balance. In the event a use of Your PIN 
   while You owe money on Your Account; or (d) A judgment or tax lien should be filed  constitutes an Electronic Funds Transfer, the terms and conditions of Your 
   against You or any attachment or garnishment should be issued against any of Your  Electronic Fund Transfer Agreement may also affect Your rights.  
   property or rights, specifically including anyone starting an action or proceeding to   
   seize any of Your funds on deposit with Us; and/or (e) We should, in good faith,  EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
   believe Your ability to repay Your indebtedness hereunder is or soon will be  slips You may sign or receive when using Your Card contain terms, this Agreement 
   impaired, time being of the very essence.  is the contract which solely applies to all transactions involving the Card. 
                                             
   Upon any occurrence of default, We may, to the extent permitted by law, cancel  UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
   Your rights under this Agreement, require the return of all access devices and  You will not be liable for the unauthorized use that occurs after You notify Us of the 
   declare the entire balance of every Feature Category of Your Account immediately  loss, theft, or possible unauthorized use by calling Us at (800) 231-1626 or by 
   due and payable, without prior notice or demand.  writing to Us at P.O. Box 60890, Los Angeles, CA 90060. In any case, Your liability 
                                            will not exceed $50.00. 
   COLLECTION COSTS. In the event collection efforts are required to obtain   
   payment on this Account, to the extent permitted by law, You agree to pay all court  REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable 
   costs, private process server fees, investigation fees or other costs incurred in  for the refusal or inability of merchants, financial institutions and others to  
   collection and reasonable attorneys� fees incurred in the course of collecting any  accept the Cards or Convenience Checks, or electronic terminals to honor the 
   amounts owed under this Agreement or in the recovery of any Collateral.  Cards or complete a Card withdrawal, or for their retention of the Cards or 
                                            Convenience Checks. 
   ENFORCEMENT. We do not lose Our rights under this or any related agreement if   
   We delay enforcing them. We can accept late payments, partial payments or any  FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and 
   other payments, even if they are marked "paid in full" without losing any of Our  foreign currencies, the exchange rate between the transaction currency and the 
   rights under this Agreement. If any provision of this or any related agreement is  billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of 
   determined to be unenforceable or invalid, all other provisions remain in full force  rates available in wholesale currency markets for the applicable central processing 
   and effect.                              date, which rate may vary from the rate VISA itself receives; or (b) the government-
                                            mandated rate in effect for the applicable central processing date. For transactions 
   NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or  that are initiated in a foreign currency, You will be charged 1.00% of the final 
   otherwise have a change of address.      settlement amount. For transactions occurring in foreign countries and initiated in 
                                            U.S. Dollars, You will be charged 1.00% of the final settlement amount. 
   CHANGE IN TERMS. We may change the terms of this Agreement by mailing or   
   delivering to You written notice of the changes as prescribed by the Federal Truth- TRANSACTION SLIPS. Your monthly statement will identify that merchant, 
   In-Lending Act. To the extent permitted by law, the right to change the terms of this  electronic terminal or financial institution at which transactions were made, but 
   Agreement includes, but is not limited to, the right to change the periodic rate  sales, cash advance, credit or other slips cannot be returned with the statement. 
   applicable to Your unpaid balance and/or future advances.   
                                            LATE CHARGE. If Your payment is 15 or more days late, You will be charged the 
   INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional  lesser of: (a) $15.00; or (b) the amount of the required minimum payment. 
   Disclosure - Federal Truth-In-Lending Act," which is delivered together with this   
   Agreement or at a later date becomes an integrated part of this Agreement   RETURNED PAYMENT FEE. You will be charged the lesser of $22.00 or the 
   and Disclosure.                          required minimum payment amount for the returned payment for any check (or other 
                                            negotiable instrument used for payment) which is returned unpaid. 
   CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this   
   Agreement. By signing the application; or by using Your Account or any Account  LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
   access device; or by authorizing another to use Your Account, You agree to and  or Convenience Checks, You will immediately call Us at (800) 231-1626 or write to 
   accept its terms.                        Us at P.O. Box 60890, Los Angeles, CA 90060.  
                                              
   UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts  CREDITS. If a merchant who honors Your Card gives You credit for returns or 
   to update information contained in Your original Account application or other  adjustments, they will do so by sending Us a slip which will be posted to Your 
   financial information related to You, at Our request. You also agree that We may,  Account. If Your credits and payments exceed what You owe Us, We will hold and 
   from time to time, as We deem necessary, make inquiries pertaining to Your  apply this credit against future purchases and cash advances, or if it is $1.00 or 
   employment, credit standing and financial responsibility in accordance with  more refund it on Your written request or automatically deposit it to Your Share 
   applicable laws and regulations. You further agree that We may give information  Account after six months.   
   Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.                                                     Page 4 of 5                                                                                                                                     OTBS 016 LAFR (12/15)  
       
                                             
         Your Billing Rights: Keep this Document for Future Use  After We finish Our investigation, one of two things will happen: 
                                             
   This notice tells You about Your rights and Our responsibilities under the Fair Credit  �  If We made a mistake: You will not have to pay the amount in question or any 
   Billing Act.                                interest or other fees related to that amount. 
                                            �  If We do not believe there was a mistake: You will have to pay the amount 
         What To Do If You Find A Mistake On Your Statement  in question, along with applicable interest and fees. We will send You a 
                                               statement of the amount You owe and the date payment is due. We may 
   If You think there is an error on Your statement, write to Us at P.O. Box 60890, Los  then report You as delinquent if You do not pay the amount We think  
   Angeles, CA 90060. In Your letter, give us the following information:  You owe. 
                                             
   �  Account information: Your name and Account number.  If You receive Our explanation but still believe Your bill is wrong, You must write 
   �  Dollar amount: The dollar amount of the suspected error.  to Us within 10 days telling Us that You still refuse to pay. If You do so, We 
   �  Description of problem: If You think there is an error on Your bill, describe  cannot report You as delinquent without also reporting that You are questioning 
     what You believe is wrong and why You believe it is a mistake.  Your bill. We must tell You the name of anyone to whom we reported You as 
                                            delinquent, and We must let those organizations know when the matter has been 
   You must contact Us:                     settled between Us. If We do not follow all of the rules above, You do not have to 
                                            pay the first $50.00 of the amount You question even if Your bill 
   �  Within 60 days after the error appeared on Your statement.  is correct. 
   �  At least three business days before an automated payment is scheduled, if   
     You want to stop payment on the amount You think is wrong.  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
                                             
   You must notify Us of any potential errors in writing. You may call Us, but if You do  If You are dissatisfied with the goods or services that You have purchased with Your 
   We are not required to investigate any potential errors and You may have to pay the  Credit Card, and You have tried in good faith to correct the problem with the 
   amount in question.                      merchant, You may have the right not to pay the remaining amount due on the 
                                            purchase. To use this right, all of the following must be true: 
           What Will Happen After We Receive Your Letter   
                                            1)  The purchase must have been made in Your home state or within 100 miles of 
   When We receive Your letter, We must do two things:  Your current mailing address, and the purchase price must have been more 
                                              than $50.00. (Note: Neither of these are necessary if Your purchase was 
   1)  Within 30 days of receiving Your letter, We must tell You that We received  based on an advertisement We mailed to You, or if We own the company that 
     Your letter. We will also tell You if We have already corrected the error.  sold You the goods or services.) 
   2)  Within 90 days of receiving Your letter, We must either correct the error or  2)  You must have used Your Credit Card for the purchase. Purchases made with 
     explain to You why We believe the bill is correct.  cash advances from an ATM or with a check that accesses Your Credit Card 
                                              account do not qualify. 
   While We investigate whether or not there has been an error:  3)  You must not yet have fully paid for the purchase.  
                                             
   �  We cannot try to collect the amount in question, or report You as delinquent on  If all of the criteria above are met and You are still dissatisfied with the purchase, 
     that amount.                           contact Us in writing at P.O. Box 60890, Los Angeles, CA 90060.  
   �  The charge in question may remain on Your statement, and We may continue   
     to charge You interest on that amount.  While We investigate, the same rules apply to the disputed amount as discussed 
   �  While You do not have to pay the amount in question, You are responsible for  above. After We finish Our investigation, We will tell You Our decision. At that 
     the remainder of Your balance.         point, if We think You owe an amount and You do not pay, We may report You as 
   �  We can apply any unpaid amount against Your Credit Limit.  delinquent. 
    
   Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.                                                     Page 5 of 5                                                                                                                                     OTBS 016 LAFR (12/15)