CREDIT LINE ACCOUNT AGREEMENT 
                               AND FEDERAL DISCLOSURE STATEMENT 
                           THIS  IS  YOUR  CREDIT  LINE  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH -IN-
                           LENDING  DISCLOSURE  STATEMENTS,  VISA  CLASSIC,  SECURED  VISA  CLASSIC,  VISA  PLATINUM,  VISA 
                           PLATINUM REWARDS, SECURED VISA PLATINUM, VISA CLASSIC WITH INTRODUCTORY RATE, SECURED VISA 
                           CLASSIC WITH INTRODUCTORY RATE, VISA PLATINUM WITH INTRODUCTORY RATE, VISA PLATINUM REWARDS 
                           WITH INTRODUCTORY RATE AND SECURED VISA PLATINUM WITH INTRODUCTORY RATE AGREEMENTS, AND 
                           ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC, SECURED VISA CLASSIC, VISA 
                           PLATINUM, VISA PLATINUM REWARDS, SECURED VISA PLATINUM, VISA CLASSIC WITH INTRODUCTORY RATE, 
                           SECURED  VISA  CLASSIC  WITH  INTRODUCTORY  RATE,  VISA  PLATINUM  WITH  INTRODUCTORY  RATE,  VISA 
                           PLATINUM REWARDS WITH INTRODUCTORY RATE OR SECURED VISA PLATINUM WITH INTRODUCTORY RATE 
                           CREDIT  CARD,  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 
                        VISA Classic: _______%       Secured VISA Classic: _______% 
    (APR) For Purchases 
                                                      
                        VISA Platinum: _______%      Secured VISA Platinum: _______% 
                                                       
                         
                        VISA Platinum Rewards: _______% 
     
                         
                        VISA Classic With Introductory Rate: _______% 
                         
                        VISA Platinum With Introductory Rate: _______% 
                         
                        VISA Platinum Rewards With Introductory Rate: _______% 
                         
                        Secured VISA Classic With Introductory Rate: _______% 
                         
                        Secured VISA Platinum With Introductory Rate: _______% 
                          
                                                      
    Annual Percentage Rate  VISA Classic: _______%   Secured VISA Classic: _______% 
    (APR) For Balance                                 
    Transfers           VISA Platinum: _______%      Secured VISA Platinum: _______% 
     
                                                       
                        VISA Platinum Rewards: _______% 
                         
     
                        VISA Classic With Introductory Rate: _______% Introductory Rate until _________ 
                          After that, Your APR will be _______% 
                         
                        VISA Platinum With Introductory Rate: _______% Introductory Rate until _________ 
                          After that, Your APR will be _______% 
                         
                        VISA Platinum Rewards With Introductory Rate: _______% Introductory Rate until _________ 
                          After that, Your APR will be _______% 
                         
                        Secured VISA Classic With Introductory Rate: _______% Introductory Rate until _________ 
                          After that, Your APR will be _______% 
                         
                        Secured VISA Platinum With Introductory Rate: _______% Introductory Rate until _________ 
                          After that, Your APR will be _______% 
                          
                        SEE PAGE 2 for more important information about Your Account 
    
   Copyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.                           Page 1 of 6  OTBS 016 BVCU (11/15)  
       
    Interest Rate and Interest Charges (continued) 
                                                      
    Annual Percentage Rate  VISA Classic: _______%   Secured VISA Classic: _______% 
    (APR) For Cash Advances                           
     
                        VISA Platinum: _______%      Secured VISA Platinum: _______% 
                                                      
                        VISA Platinum Rewards: _______%  Overdraft Line of Credit: _______% 
                                                       
     
                        VISA Classic With Introductory Rate: _______% 
                         
                        VISA Platinum With Introductory Rate: _______% 
                         
                        VISA Platinum Rewards With Introductory Rate: _______% 
                         
                        Secured VISA Classic With Introductory Rate: _______% 
                         
                        Secured VISA Platinum With Introductory Rate: _______% 
                          
     
    Paying Interest     For VISA, 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. For all Feature Categories, We will 
                        begin charging interest on balance transfers and cash advances 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, 0.80% of each U.S. Dollar transaction that occurs in a foreign country. 
                         
                         
    Penalty Fees         
                         
      ?  Late Payment   For VISA, up to $25.00 
                        For Overdraft Line of Credit, $15.00 
      ?  Returned Payment  For VISA, up to $35.00 
     
                        For Overdraft Line of Credit, $15.00 
                         
     
    How We Will Calculate Your Balance: For VISA, We use a method called "average daily balance (excluding new purchases).� 
    For Overdraft Line of Credit, We use a method called "daily balance." 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. 
    
                        SEE PAGE 1 for more important information about Your Account 
    
    
    
    
    
    
    
    
   In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean PREMIER MEMBERS 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 VISA Classic, Secured VISA 
   Classic, VISA Platinum, VISA Platinum Rewards, Secured VISA Platinum, VISA Classic With Introductory Rate, Secured VISA Classic With Introductory Rate, VISA 
   Platinum With Introductory Rate, VISA Platinum Rewards With Introductory Rate and Secured VISA Platinum With Introductory Rate 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. 
    
   Copyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.                           Page 2 of 6  OTBS 016 BVCU (11/15)  
       
    
   FEATURE CATEGORIES. Your Account has Feature Categories which may include Overdraft Line of Credit, VISA Classic, Secured VISA Classic, VISA Platinum, VISA 
   Platinum Rewards, Secured VISA Platinum, VISA Classic With Introductory Rate, Secured VISA Classic With Introductory Rate, VISA Platinum With Introductory Rate, 
   VISA Platinum Rewards With Introductory Rate and Secured VISA Platinum With Introductory Rate. 
    
                                           Daily Periodic             Annual Percentage 
        Feature Category                                      
                                              Rate                        Rate 
    VISA Classic                          ______________%              ______________% 
                                                                             
    VISA Platinum                         ______________%              ______________% 
                                                                             
    VISA Platinum Rewards                 ______________%              ______________% 
                                                                             
    Secured VISA Classic                  ______________%              ______________% 
                                                                             
    Secured VISA Platinum                 ______________%              ______________% 
                                                                             
    VISA Classic With Introductory Rate    ______________%             ______________% 
                                                                             
    VISA Platinum With Introductory Rate  ______________%              ______________% 
                                                                             
    VISA Platinum Rewards With Introductory Rate  ______________%      ______________% 
                                                                             
    Secured VISA Classic With Introductory Rate  ______________%       ______________% 
                                                                             
    Secured VISA Platinum With Introductory Rate  ______________%      ______________% 
                                                                             
    Overdraft Line of Credit              ______________%              ______________% 
                                            
   ADVANCES. Whenever You request a transaction, We may require You to prove  to give Us a specific pledge of shares which will equal Your Credit Limit. In the 
   Your identity. Advances made on Your Account will be processed according to the  event that You default on Your Secured VISA Classic, Secured VISA Platinum, 
   instructions You give Us (such as by wire transfer, direct transfer to Your Credit  Secured VISA Classic With Introductory Rate or Secured VISA Platinum With 
   Union account or by other such means) and You authorize Us to do this, or We  Introductory Rate Feature Category, We may apply these shares toward the 
   may draw a draft or check made payable to You and mail it to You. When the  repayment of any amount owed on such Feature Category. You may cancel 
   amount advanced appears on a subsequent statement, that will be conclusive  Your  Secured  VISA  Classic,  Secured VISA Platinum, Secured VISA Classic 
   evidence of Your advance request unless You notify Us that You disagree with any  With  Introductory  Rate  or  Secured  VISA  Platinum  With  Introductory  Rate 
   such item appearing on Your periodic statement according to the provision of this  Feature Category at any time by paying any amounts owed on that Feature 
   Agreement titled "Your Billing Rights: Keep this Document for Future Use." You  Category. To be certain that Your entire balance and all advances are paid, any 
   understand that whether or not any specific secured advance request is approved  shares  pledged  may  not  be  available  to  You  for  30  days  after  You  have 
   may be determined by how much equity You have or will have in the shares,  cancelled and any outstanding balance is paid in full. 
   certificates and/or Collateral offered as security.    
                                            LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for 
   SECURITY. As permitted by law, to secure all transactions under this Agreement in  each Feature Category for which You are approved. Unless You are in default, 
   either joint or individual Accounts, We have the right to impress and enforce a  any Credit Limits established for You will generally be self -replenishing as You 
   statutory lien against Your shares on deposit with Us (other than those deposits  make payments. 
   established under a governmental approved tax deferral plan such as an IRA or   
   Keogh account), and any dividends due or to become due to You from Us to the  You will keep Your unpaid balance within Your Credit Limit set by Us, and You will 
   extent that You owe on any unpaid balance on Your Account and We may enforce  pay  any  amount  over  Your  Credit  Limit  on  Our  demand  whether  or  not  We 
   Our right to do so without further notice to You. Additionally, You agree that We  authorize the advances which caused You to exceed Your Credit Limit. Even if 
   may set-off any mutual indebtedness.     Your unpaid balance is less than Your Credit Limit, You will have no credit available 
                                            during any time that any aspect of Your Account is in default. 
   You acknowledge that You own any certificates, shares and/or Collateral pledged   
   as security and that there are no other liens against them other than Ours. You  JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for 
   agree to perform all acts which are necessary to make Our security interest in the  the repayment of any amounts owed. If any Account access device, such as a 
   certificates, shares and/or Collateral being pledged enforceable.  Personal Identification Number (PIN) is requested and approved, You understand 
                                            that any such Account access device(s) will be mailed only to the primary Borrower 
   For advances under any certificate secured Feature Category, all certificates which  at  the  address  that  We  have  on  file  for  You.  We  may  refuse  to  follow  any 
   are pledged as Collateral must be renewed until Your outstanding balance is paid in  instructions which run counter to this provision. 
   full. Failure to renew any certificates securing any advance will cause Your entire   
   outstanding Account balance to become immediately due and payable.  MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need 
                                            only pay the Minimum Monthly Payments, You understand that You have the right 
   OTHER SECURITY. Collateral (other than household goods or any dwelling) given as  to repay at any time without penalty. You also understand that You will only be 
   security under this Agreement or for any other loan You may have with Us will secure  charged periodic Finance Charges to the date You repay Your entire balance. You 
   all amounts You owe Us now and in the future if that status is reflected in the "Truth-in- may make larger payments without penalty. Any partial payment or prepayment will 
   Lending Disclosure" in any particular Agreement evidencing such debt.       not delay Your next scheduled payment. All payments to Us must be in lawful 
                                            money of the United States. We may apply each payment to whichever Feature 
    CONSENSUAL LIEN ON SHARES. If You have been issued a Credit Card,  Category We wish. For all Feature Categories (except VISA), payments will be 
    ATM card or debit card, You grant and consent to a lien on Your shares  applied first to the Finance Charge due, then to any Late Charges owing, then to 
    with Us (except for IRA and Keogh accounts) and any dividends due or to  the  outstanding  principal  balance.  As  permitted  by  law,  We  may  apply  VISA 
    become due to You from Us to the extent You owe on any unpaid Credit  payments at Our discretion. 
    Card balance and/or Overdraft Line of Credit balance created through the   
    use of Your ATM card or debit card.     Any 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 
   ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured VISA  the repayment of Your unpaid balance will increase Your periodic Finance Charges 
   Classic, Secured VISA Platinum, Secured VISA Classic With Introductory Rate  and any acceleration in the repayment of Your unpaid balance will decrease Your 
   or Secured VISA Platinum With Introductory Rate Feature Category, You agree  periodic Finance Charges. 
    
   Copyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.                           Page 3 of 6  OTBS 016 BVCU (11/15)  
       
   Overdraft Line of Credit will be established at the close of each billing cycle at an  OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or 
   amount equal to 5.00% of Your then outstanding balance, subject to the lesser of  in such increments as We may from time to time determine) to Your share draft 
   $35.00 or Your balance.                  account by an advance on Your Overdraft Line of Credit Feature Category, subject 
                                            to this provision, to clear any overdraft on Your share draft account. Whether or not 
   VISA Classic, Secured VISA Classic, VISA Platinum, VISA Platinum Rewards,  such transfers occur will be controlled by this Agreement. In any event, You hold 
   Secured  VISA  Platinum,  VISA  Classic  With  Introductory  Rate,  Secured  VISA  Us harmless for any and all liability which might otherwise arise if the transfer does 
   Classic  With  Introductory  Rate,  VISA  Platinum  With  Introductory  Rate,  VISA  not  occur.  Overdraft  protection  automatically  ceases  if this Agreement is ever 
   Platinum  Rewards  With  Introductory  Rate  and  Secured  VISA  Platinum  With  cancelled or terminated or Your Account is in default. 
   Introductory Rate Minimum Payments will be an amount equal to 2.50% of Your   
   new unpaid VISA Classic, Secured VISA Classic, VISA Platinum, VISA Platinum  PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement 
   Rewards, Secured VISA Platinum, VISA Classic With Introductory Rate, Secured  showing all transactions on Your Account including amounts paid and borrowed 
   VISA Classic With Introductory Rate, VISA Platinum With Introductory Rate, VISA  since Your last statement. We will mail You a statement each month in which there 
   Platinum  Rewards  With  Introductory  Rate  or  Secured  VISA  Platinum  With  is a debit or credit balance or when a Finance Charge is imposed. We need not 
   Introductory Rate  balance at the end of each billing cycle, subject to the lesser of  send You a statement if We feel Your Account is uncollectible or if We have started 
   $35.00 or Your balance, plus any portion of the Minimum Payments shown on prior  collection proceedings against You because You defaulted. EACH STATEMENT IS 
   statement(s) which remains unpaid, plus any amount that exceeds Your approved  DEEMED  TO  BE  A  CORRECT  STATEMENT  OF  ACCOUNT  UNLESS  YOU 
   Credit Limit.                            ESTABLISH  A  BILLING  ERROR  PURSUANT  TO  THE  FEDERAL  TRUTH-IN-
                                            LENDING ACT.  
   You may, by separate agreement, authorize Us to charge Your payment directly to   
   Your share or share draft account.       OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under 
                                            no obligation to honor Your Convenience Checks if: (1) by paying a Convenience 
   LATE CHARGE (EXCEPT VISA). If Your payment is more than 15 days late, You  Check,  You  would  exceed  Your  Credit  Limit;  (2)  Your  Cards  or  Convenience 
   will be charged $15.00.                  Checks 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 
   RETURNED CHECK CHARGE (EXCEPT VISA). You will be charged $15.00 for any  Convenience Check is returned unpaid, We are not responsible for any resulting 
   check (or other negotiable instrument used for payment) which is returned unpaid.  loss or liability. 
                                             
   FINANCE CHARGES (EXCEPT VISA).  A Finance Charge will be assessed on any  DEFAULT. You will be in default if: (a) You do not make any payment or perform 
   unpaid principal balance for each Feature Category of Your Account for the period  any obligation under this Agreement, or any other agreement that You may have 
   such balance is outstanding. Balances change each time advances are made,  with Us; or (b) You should die, become involved in any insolvency, receivership or 
   payments are made or credits given under any Feature Category. The Finance  custodial proceeding brought by or against You; or (c) You have made a false or 
   Charge begins to accrue on the date of each advance and there is no grace period.  misleading 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 
   HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA). For all Feature  filed against You or any attachment or garnishment should be issued against any of 
   Categories (Except VISA), the Finance Charge is determined by multiplying Your  Your  property  or  rights,  specifically  including  anyone  starting  an  action  or 
   unpaid balance at the close of each day in the billing cycle being accounted for by  proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in 
   the applicable Daily Periodic Rate. The unpaid balance is the balance each day  good faith, believe Your ability to repay Your indebtedness hereunder is or soon will 
   after payments, credits, and unpaid Finance Charges to that balance have been  be impaired, time being of the very essence. 
   subtracted and any new advances, insurance premiums or other charges have   
   been added to Your unpaid balance. These daily Finance Charges are then added  Upon any occurrence of default, We may, to the extent permitted by law, cancel 
   together and the sum is the amount of the Finance Charge owed for the Feature  Your rights under this Agreement, require the return of all access devices and 
   Category being accounted for. The total Finance Charge You owe on Your Account  declare the entire balance of every Feature Category of Your Account immediately 
   for each billing cycle is the sum of all the Finance Charges due for all applicable  due and payable, without prior notice or demand.  
   Feature Categories.                       
                                            COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
   VISA FINANCE CHARGES. In the case of any transactions under Your VISA  payment on this Account, to the extent permitted by law, You agree to pay all court 
   Classic, Secured VISA Classic, VISA Platinum, VISA Platinum Rewards, Secured  costs, private process server fees, investigation fees or other costs incurred in 
   VISA Platinum, VISA Classic With Introductory Rate, Secured VISA Classic With  collection and reasonable attorneys� fees incurred in the course of collecting any 
   Introductory Rate, VISA Platinum With Introductory Rate, VISA Platinum Rewards  amounts owed under this Agreement or in the recovery of any Collateral. 
   With Introductory Rate or Secured VISA Platinum With Introductory Rate Feature   
   Categories, the balances subject to the periodic Finance Charge are the average  ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   daily  transactions  balances  outstanding  during  the  month  (including  new  We delay enforcing them. We can accept late payments, partial payments or any 
   transactions). To get the average daily balance, We take the beginning balance of  other payments, even if they are marked "paid in full" without losing any of Our 
   Your  Account  each  day,  add  any  new  purchases,  balance  transfers,  cash  rights under this Agreement. If any provision of this or any related agreement is 
   advances,  debit  adjustments  or  other  costs  and  charges  and  subtract  any  determined to be unenforceable or invalid, all other provisions remain in full force 
   payments, credits and unpaid Finance Charges. This gives Us the daily balance.  and effect. 
   Then, We add up all 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  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
   computed by multiplying the average daily balance subject to a Finance Charge by  or otherwise have a change of address. 
   the Daily Periodic Rate times the number of days in the billing cycle.   
                                            CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   You can avoid Finance Charges on purchases by paying the full amount of the  delivering to You written notice of the changes as prescribed by the Federal Truth-
   entire balance owed each month within 25 days of Your statement closing date.  In-Lending Act. To the extent permitted by law, the right to change the terms of this 
   Otherwise, the new balance of purchases, and subsequent purchases from the  Agreement includes, but is not limited to, the right to change the periodic rate 
   date they are posted to Your Account, will be subject to a Finance Charge. Cash  applicable to Your unpaid balance and/or future advances. 
   advances and balance transfers are always subject to a Finance Charge from the   
   later of the date they are posted to Your Account or from the first day of the billing  INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional 
   cycle in which the cash advance is posted to Your Account.  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  
   For  VISA  Classic  With  Introductory  Rate,  Secured  VISA  Classic  With  and Disclosure. 
   Introductory  Rate,  VISA  Platinum  With  Introductory  Rate,  VISA  Platinum   
   Rewards With Introductory Rate and Secured VISA Platinum With Introductory  CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
   Rate,  balance  transfer  transactions  that  occur  during  the  period  of  Agreement. By signing the application; or by using Your Account or any Account 
   _______________ through _______________, will accrue finance charges at an  access device; or by authorizing another to use Your Account, You agree to and 
   introductory  Daily  Periodic  Rate  of  _____________%  (corresponding  to  an  accept its terms. 
   ANNUAL PERCENTAGE RATE of _____________%). Upon the expiration of   
   the introductory rate period, the entire balance of balance transfer transactions  UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
   existing at that time and in the future will accrue finance charges at the non - to  update  information  contained  in  Your  original  Account  application  or  other 
   introductory rate described elsewhere in this Agreement.  financial information related to You, at Our request. You also agree that We may, 
    
   Copyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.                           Page 4 of 6  OTBS 016 BVCU (11/15)  
       
   from  time to time, as We  deem necessary, make inquiries pertaining to Your  minimum payment amount for the returned payment for any check (or other 
   employment,  credit  standing  and  financial  responsibility  in  accordance  with  negotiable instrument used for payment) which is returned unpaid; (b) $2.00 for 
   applicable laws and regulations. You further agree that We may give information  each statement that You request We provide You with  a duplicate copy; (c) 
   about the status and payment history of Your Account to consumer credit reporting  $2.00 for each document that You request We provide You with a duplicate 
   agencies, a prospective employer or insurer, or a state or federal licensing agency  copy; (d) $10.00 for each sales draft that You request We provide You with a 
   having any apparent legitimate business need for such information.   duplicate copy; (e) $5.00 for each replacement Personal Identification Number 
                                            (PIN) You request; (f) $30.00 for each item You request We provide on an 
   TERMINATION. Either You or We may cancel Your Account or any particular  expedited  basis;  and  (g)  $80.00  per  hour  each  time  You  request  that  We 
   Feature Category of Your Account, at any time, whether or not You are in default.  conduct research on Your Card. 
   You will, in any case, remain liable to pay any unpaid balances according to the   
   terms of Your Account.                   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
                                            or Convenience Checks, You will immediately call Us during regular business hours 
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the  at (303) 442-8850 and after hours, on weekends and holidays at (800) VISA-911. 
   State  of  Colorado,  except  to  the  extent  that  such  laws  are  inconsistent  with  You may also report lost or stolen Credit Cards or Convenience Checks by writing 
   controlling federal law.                 to Us at 5505 Arapahoe Avenue, Boulder, CO 80303. 
                                              
        SPECIFIC TERMS APPLICABLE TO YOUR VISA CLASSIC,  CREDITS. If a merchant who honors Your Card gives You credit for returns or 
     SECURED VISA CLASSIC, VISA PLATINUM, VISA PLATINUM REWARDS,  adjustments, they will do so by sending Us a slip which will be posted to Your 
     SECURED VISA PLATINUM, VISA CLASSIC WITH INTRODUCTORY RATE,  Account. If Your credits and payments exceed what You owe Us, We will hold and 
     SECURED VISA CLASSIC WITH INTRODUCTORY RATE, VISA PLATINUM  apply this credit against future purchases and cash advances, or if it is $1.00 or 
       WITH INTRODUCTORY RATE, VISA PLATINUM REWARDS WITH  more refund it on Your written request or automatically deposit it to Your Share 
         INTRODUCTORY RATE  AND SECURED VISA PLATINUM  Account after 6 months.   
            WITH INTRODUCTORY RATE CREDIT CARDS        
                                                  Your Billing Rights: Keep this Document for Future Use 
   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  This notice tells You about Your rights and Our responsibilities under the Fair 
   institutions. You agree not to use Your Card for illegal transactions including, but  Credit Billing Act. 
   not limited to, advances made for the purpose of gambling and/or wagering where   
   such practices are in violation of applicable state and/or federal law.  What To Do If You Find A Mistake On Your Statement 
                                             
   OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any  If You think there is an error on Your statement, write to Us at Our address shown 
   time without notice. You agree to surrender Your Card and to discontinue its use  in this Agreement. In Your letter, give us the following information: 
   immediately upon Our request.             
                                            ?  Account information: Your name and Account number. 
   ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon  ?  Dollar amount: The dollar amount of the suspected error. 
   Your request, a Personal Identification Number (PIN) for use with participating  ?  Description of problem: If You think there is an error on Your bill, describe 
   Automated Teller Machines (ATMs). This PIN is confidential and should not be  what You believe is wrong and why You believe it is a mistake. 
   disclosed to anyone. You may use Your PIN to access Your Account and all sums   
   advanced will be added to Your Account balance. In the event a use of Your PIN  You must contact Us: 
   constitutes  an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your   
   Electronic Fund Transfer Agreement may also affect Your rights.   ?  Within 60 days after the error appeared on Your statement. 
                                            ?  At least three business days before an automated payment is scheduled, if 
   EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other  You want to stop payment on the amount You think is wrong. 
   slips You may sign or receive when using Your Card contain terms, this Agreement   
   is the contract which solely applies to all transactions involving the Card.  You 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 
   UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.  the amount in question. 
   You will not be liable for the unauthorized use that occurs after You notify Us of the   
   loss, theft, or possible unauthorized use by calling Us during regular business  What Will Happen After We Receive Your Letter 
   hours at (303) 442-8850 and after hours, on weekends and holidays at (800) VISA-  
   911. You may also notify Us of the loss, theft, or possible unauthorized use by  When We receive Your letter, We must do two things: 
   writing to Us at 5505 Arapahoe Avenue, Boulder, CO 80303. In any case, Your   
   liability will not exceed $50.00.        1)  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. 
   REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not  2)  Within 90 days of receiving Your letter, We must either correct the error or 
   liable for the refusal or inability of merchants, financial institutions and others  explain to You why We believe the bill is correct. 
   to accept the Cards or Convenience Checks, or electronic terminals to honor   
   the Cards or complete a Card withdrawal, or for their retention of the Cards or  While We investigate whether or not there has been an error: 
   Convenience Checks.                       
                                            ?  We cannot try to collect the amount in question, or report You as delinquent 
   FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries and  on that amount. 
   foreign currencies, the exchange rate between the transaction currency and the  ?  The charge in question may remain on Your statement, and We may continue 
   billing currency (U.S. dollars) will be: (a) a rate  selected by VISA from the range of  to charge You interest on that amount. 
   rates available in wholesale currency markets for the applicable central processing  ?  While You do not have to pay the amount in question, You are responsible for 
   date, which rate may vary from the rate VISA itself receives; or (b) the government- the remainder of Your balance. 
   mandated rate in effect for the applicable central  processing date. For transactions  ?  We can apply any unpaid amount against Your Credit Limit. 
   that are initiated in a foreign currency, You will be charged 1.00% of the final   
   settlement amount. For transactions occurring in foreign countries and initiated in  After We finish Our investigation, one of two things will happen: 
   U.S. Dollars, You will be charged 0.80% of the final settlement amount.   
                                            ?  If We made a mistake: You will not have to pay the amount in question or any 
   TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant,  interest or other fees related to that amount. 
   electronic terminal or financial institution at which transactions were made, but  ?  If We do not believe there was a mistake: You will have to pay the amount in 
   sales, cash advances, credit or other slips cannot be returned with the statement.  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 then 
   LATE CHARGE. If Your payment is more than 10 days late, You will be charged  report You as delinquent if You do not pay the amount We think You owe. 
   the lesser of: (a) $25.00; or (b) the amount of the minimum payment due.   
                                            If You receive Our explanation but still believe Your bill is wrong, You must write to 
   OTHER  FEES  AND  CHARGES.  You  will  be  charged  the  following  fees  Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot 
   associated with the use of Your Card (a) the lesser of $35.00 or the required  report You as delinquent without also reporting that You are questioning Your bill. 
    
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   We must tell You the name of anyone to whom we reported You as delinquent, and  more than $50.00. (Note: Neither of these are necessary if Your purchase 
   We must let those organizations know when the matter has been settled between  was based on an advertisement We mailed to You, or if We own the company 
   Us. If We do not follow all of the rules above, You do not have to pay the first  that sold You the goods or services.) 
   $50.00 of the amount You question even if Your bill is correct.  2)  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 
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  account do not qualify. 
                                            3)  You must not yet have fully paid for the purchase.  
   If 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  If all of the criteria above are met and You are still dissatisfied with the purchase, 
   merchant, You may have the right not to pay the remaining amount due on the  contact Us in writing at Our address shown in this Agreement.  
   purchase. To use this right, all of the following must be true:   
                                            While We investigate, the same rules apply to the disputed amount as discussed 
   1)  The purchase must have been made in Your home state or within 100 miles  above. After We finish Our investigation, We will tell You Our decision. At that point, if 
     of Your current mailing address, and the purchase price must have been  We think You owe an amount and You do not pay, We may report You as delinquent. 
     
    
   Copyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.                           Page 6 of 6  OTBS 016 BVCU (11/15)