CREDIT CARD ACCOUNT AGREEMENT 
                 
                                AND FEDERAL DISCLOSURE STATEMENT 
                           THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-
                           LENDING DISCLOSURE STATEMENTS, VISA PLATINUM, VISA PLATINUM (WITH INTRO RATE ON BALANCE 
     925 Harlow Rd., Springfield, OR 97477  TRANSFERS), AND SECURED VISA PLATINUM AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING 
         Phone: 800-445-4483  THE USE OF YOUR VISA PLATINUM, VISA PLATINUM (WITH INTRO RATE ON BALANCE TRANSFERS), OR 
                           SECURED VISA PLATINUM 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 (APR)     8.75 to 18.00
                           VISA Platinum: __________% 
    For Purchases 
                              These APRs will vary with the market based on the Prime Rate. 
                               
                                                             N/A
                           VISA Platinum (with Intro Rate on Balance Transfers): __________% 
                              These APRs will vary with the market based on the Prime Rate. 
                            
                                           8.75 to 18.00
                           Secured VISA Platinum: __________% 
                              These APRs will vary with the market based on the Prime Rate. 
                            
    Annual Percentage Rate (APR)     8.75 to 18.00
                           VISA Platinum: __________% 
    For Balance Transfers 
                              These APRs will vary with the market based on the Prime Rate. 
                            
                                                              N/A
                           VISA Platinum (with Intro Rate on Balance Transfers): __________% Introductory APR 
                           for _____ months  N/A
                                               N/A
                              After that Your APR will be __________%, and will vary with the market based on the 
                              Prime Rate. 
                            
                                           8.75 to 18.00
                           Secured VISA Platinum: __________% 
                              These APRs will vary with the market based on the Prime Rate. 
                            
    Annual Percentage Rate (APR)     8.75 to 18.00
                           VISA Platinum: __________% 
    For Cash Advances 
                              These APRs will vary with the market based on the Prime Rate. 
                            
                                                             N/A
                           VISA Platinum (with Intro Rate on Balance Transfers): __________% 
                              These APRs will vary with the market based on the Prime Rate. 
                            
                                           8.75 to 18.00
                           Secured VISA Platinum: __________% 
                              These APRs 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 the  To learn more about factors to consider when applying for or using a Credit 
    Consumer Financial Protection  Card, visit the website of the Consumer Financial Protection Bureau at 
    Bureau                 http://www.consumerfinance.gov/learnmore. 
    Fees  
                             
    Set-up and Maintenance Fees 
                             
     �  Additional Card Fee 
                           $5.00 
                             
    Transaction Fees         
                             
     �  Foreign Transaction  1.00% of each foreign currency transaction in U.S. Dollars. 
                           1.00% of each U.S. Dollar transaction that occurs in a foreign country. 
                            
    Penalty Fees            
                            
     �  Late Payment       Up to $25.00 
     �  Returned Payment   Up to $25.00 
                            
    
   How We Will Calculate Your Balance: 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., 2019. All Rights Reserved.                                                      Page 1 of 4                                                                                                             OTBS 016CC FRB_Web SELC (8/19)                     
                                                                              Rev. (10/19) 
                                               
    
   DEFINITIONS. In this Agreement, the reference to ''We,� "Us," "Our'' and "Credit Union" mean SELCO COMMUNITY 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 Platinum, VISA Platinum 
   (with Intro Rate on Balance Transfers), or Secured VISA Platinum Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the VISA Platinum, 
   VISA Platinum (with Intro Rate on Balance Transfers), or Secured VISA Platinum Credit Card Account established for You under this Agreement. "Convenience Check" means 
   the special Account access devices that We may provide for Your use from time to time. If this is a joint Account, read singular pronouns in the plural. 
    
   PROMISE TO PAY. You understand that the following terms and conditions 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, Convenience Checks, Credit Cards 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. 
    
     
                                       Monthly Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card                          for Purchases            for Purchases 
                                                                       
                                         0.729 to 1.50            8.75 to 18.00
    VISA Platinum                       ____________%            ____________% 
                                                                       
                                         N/A                      N/A
    VISA Platinum (with Intro Rate on Balance Transfers)  ____________%  ____________% 
                                                                       
                                         0.729 to 1.50            8.75 to 18.00
    Secured VISA Platinum               ____________%            ____________% 
     
                                       Monthly Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card                        for Balance Transfers    for Balance Transfers 
                                                                       
                                         0.729 to 1.50            8.75 to 18.00
    VISA Platinum                       ____________%            ____________% 
                                                                       
                                         N/A                      N/A
    VISA Platinum (with Intro Rate on Balance Transfers)  ____________%  ____________% 
                                                                       
                                         0.729 to 1.50            8.75 to 18.00
    Secured VISA Platinum               ____________%            ____________% 
     
                                       Monthly Periodic Rate  ANNUAL PERCENTAGE RATE 
    Credit Card                         for Cash Advances        for Cash Advances 
                                                                       
                                         0.729 to 1.50            8.75 to 18.00
    VISA Platinum                       ____________%            ____________% 
                                                                       
                                         N/A                      N/A
    VISA Platinum (with Intro Rate on Balance Transfers)   ____________%  ____________% 
                                                                       
                                         0.729 to 1.50            8.75 to 18.00
    Secured VISA Platinum               ____________%            ____________% 
    
   USE OF YOUR CARD. You may use Your Card to buy goods and services in any  JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the 
   place that it is honored and to get cash advances at participating financial institutions.  repayment of any amounts owed. If any Account access device, such as a Personal 
   You agree not to use Your Card for illegal transactions including, but not limited to,  Identification Number (PIN) is requested and approved, You understand that any such 
   advances made for the purpose of gambling and/or wagering where such practices  Account access device(s) will be mailed only to the primary Borrower at the address 
   are in violation of applicable state and/or federal law.  that We have on file for You. We may refuse to follow any instructions which run 
                                            counter to this provision. 
   PURCHASE MONEY SECURITY. For all purchase money transactions made with   
   Your Card, to the extent permitted by law, You grant Us a security interest in all such  MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only 
   personal property purchased with such Card.  pay the Minimum Monthly Payments, You understand that You have the right to repay 
                                            at any time without penalty. You also understand that You will only be charged periodic 
   OTHER SECURITY. Collateral (other than household goods or any dwelling) given as  Finance Charges to the date You repay Your entire balance. You may make larger 
   security under any other loan You may have with Us will secure all amounts You owe  payments without penalty. Any partial payment or prepayment will not delay Your next 
   Us now and in the future if that status is reflected in the "Truth-in-Lending Disclosure"  scheduled payment. All payments to Us must be in lawful money of the United States. 
   in any particular Agreement evidencing such debt.       Except as required by law, We may apply payments at Our discretion. Any unpaid 
                                            portion of the Finance Charge will be paid by subsequent payments and will not be 
    CONSENSUAL SECURITY INTEREST IN SHARES ON DEPOSIT. You grant  added to Your principal balance. You understand that any delay in the repayment of 
    and consent to a security interest in Your shares and deposit accounts with  Your unpaid balance will increase Your periodic Finance Charges and any 
    Us (except for IRA and Keogh accounts) and any dividends due or to become  acceleration in the repayment of Your unpaid balance will decrease Your periodic 
    due to You from Us to the extent You owe on any unpaid Credit Card balance.  Finance Charges. 
                                             
   ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured VISA  Minimum Payments will be an amount equal to 2.00% of Your new unpaid VISA 
   Platinum Credit Card, You agree to give Us a specific pledge of shares or deposits  Platinum, VISA Platinum (with Intro Rate on Balance Transfers), or Secured VISA 
   which will be equal to 105% of Your Credit Limit. In the event that You default on Your  Platinum balance at the end of each billing cycle, subject to the lesser of $25.00 or 
   Account, We may apply these shares toward the repayment of any amount owed on  Your balance, plus any portion of the Minimum Payments shown on prior statement(s) 
   Your Secured VISA Platinum Credit Card. You may cancel Your Secured VISA  which remains unpaid, plus any amount that exceeds Your approved Credit Limit. 
   Platinum Credit Card at any time by paying any amounts owed on such Account. To   
   be certain that Your entire balance and all advances are paid, any shares pledged  You may, by separate agreement, authorize Us to charge Your payment directly to 
   may not be available to You for 30 days after You have cancelled and any outstanding  Your share or share draft account. 
   balance is paid in full.                  
                                            FINANCE CHARGES. In the case of any transactions under Your Account, the 
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which  balances subject to the periodic Finance Charge are the average daily transactions 
   You are approved. Unless You are in default, the Credit Limits established for You will  balances outstanding during the month (including new transactions). To get the 
   generally be self-replenishing as You make payments.  average daily balance, We take the beginning balance of Your Account each day, add 
                                            any new purchases, balance transfers, cash advances, insurance premiums, debit 
   You will keep Your unpaid balance within Your Credit Limit set by Us, and You will  adjustments or other charges and subtract any payments, credits and unpaid Finance 
   pay any amount over Your Credit Limit on Our demand whether or not We authorize  Charges. This gives Us the daily balance. Then, We add up all the daily balances for 
   the advances which caused You to exceed Your Credit Limit. Even if Your unpaid  the billing cycle and divide them by the number of days in the billing cycle. The Finance 
   balance is less than Your Credit Limit, You will have no credit available during any  Charge for a billing cycle is computed by multiplying the average daily balance subject 
   time that any aspect of Your Account is in default.  to a Finance Charge by the Monthly Periodic Rate. 
                                             
   Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.                                                      Page 2 of 4                                                                                                             OTBS 016CC FRB_Web SELC (8/19)                     
                                                                              Rev. (10/19) 
   You can avoid Finance Charges on purchases by paying the full amount of the entire  If We have determined that You did not meet the above referenced definitions, then 
   balance owed each month within 25 days of Your statement closing date. Otherwise,  the above described notice will not be furnished, in which case if a dispute arises 
   the new balance of purchases, and subsequent purchases from the date they are  from or relates to this Agreement, or the breach thereof, any controversy or claim 
   posted to Your Account, will be subject to a Finance Charge. Balance transfers and  arising out of or relating to this Agreement, shall be settled by arbitration 
   cash advances are always subject to a Finance Charge from the later of the date they  administered by the American Arbitration Association in accordance with its 
   are posted to Your Account or from the first day of the billing cycle in which the  Arbitration Rules and judgment on the award rendered by the arbitrator(s) may be 
   transaction is posted to Your Account.   entered in any court having jurisdiction thereof. Claims shall be heard by a single 
                                            arbitrator, and both the place of arbitration, together with the laws governing such 
   For VISA Platinum (with Intro Rate on Balance Transfers), balance transfer  arbitration, shall be the area in which Our principal office is located. Time is of the 
   transactions obtained during the _____ day period immediately following the date that  N/A essence for any arbitration under this Agreement.  Arbitration hearings shall take place 
   Your Account is established, will accrue finance charges at an introductory Monthly  within 90 days of filing, and awards shall be rendered within 120 days of filing. 
   Periodic Rate of _____________% (corresponding to an ANNUAL PERCENTAGE  N/A Arbitrator(s) shall agree to these limits prior to accepting appointment. The 
   RATE of _____________%) until ______________. Upon the expiration of the  N/A N/A arbitrators will have no authority to award punitive or other damages not measured 
   introductory rate period, the entire balance of balance transfers existing at that time  by the prevailing party's actual damages, except as may be required by statute. The 
   and in the future will accrue finance charges at the non-introductory variable rate  arbitrator(s) shall award to the prevailing party, if any, as determined by the 
   described elsewhere in this Agreement.   arbitrators, all of their costs and fees. "Costs and fees" mean all reasonable pre-
                                            award expenses of the arbitration, including the arbitrators' fees, administrative fees, 
   VARIABLE RATE.  For VISA Platinum and Secured VISA Platinum, all transactions  travel expenses, out-of-pocket expenses such as copying and telephone, court 
   are subject to a Variable Rate which is based on the highest Prime Rate as published  costs, witness fees, and attorneys' fees. Except as may be required by law, neither 
   in the Money Rates section of the Wall Street Journal in effect on the 15th day of the  a party nor an arbitrator may disclose the existence, content, or results of any 
   month that immediately precedes each Change Date ("Index") plus Our Margin. The  arbitration hereunder without the prior written consent of both parties. All parties 
   Index plus the Margin equals the Interest Rate.  Changes in the Index will cause  hereby waive and give up all rights to a jury trial or class action relief. 
   changes in the Interest Rate on the first day of the billing that occurs during the first   
   month of each calendar quarter ("Change Date").  PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing 
    
                                            all transactions on Your Account including amounts paid and borrowed since Your last 
   For VISA Platinum (with Intro Rate on Balance Transfers), all purchase and cash 
                                            statement. We will mail You a statement each month in which there is a debit or credit 
   advance transactions are subject to a Variable Rate which is based on the highest 
                                            balance or when a Finance Charge is imposed. We need not send You a statement if 
   Prime Rate as published in the Money Rates section of the Wall Street Journal in effect 
                                            We feel Your Account is uncollectible or if We have started collection proceedings 
   on the 15th day of the month that immediately precedes each Change Date ("Index") 
                                            against You because You defaulted. EACH STATEMENT IS DEEMED TO BE A 
   plus Our Margin. The Index plus the Margin equals the Interest Rate.  Changes in the 
                                            CORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING 
   Index will cause changes in the Interest Rate on the first day of the billing that occurs 
                                            ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.  
   during the first month of each calendar quarter ("Change Date").  Following the 
   expiration of the Introductory Rate period, all balance transfer transactions are subject   
   to a Variable Rate which is based on the highest Prime Rate as published in the Money  OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under 
   Rates section of the Wall Street Journal in effect on the 15th day of the month that  no obligation to honor Your Convenience Checks if: (1) by paying a Convenience 
   immediately precedes each Change Date ("Index") plus Our Margin. The Index plus  Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience 
   the Margin equals the Interest Rate.  Changes in the Index will cause changes in the  Checks have been reported lost or stolen; (3) Your Account has been cancelled or 
   Interest Rate for balance transfers on the day the Introductory Rate period expires, and  has expired. If a postdated Convenience Check is paid and, as a result, any other 
   subsequently, on the first day of the billing that occurs during the first month of each  Convenience Check is returned unpaid, We are not responsible for any resulting 
   calendar quarter ("Change Date").        loss or liability. 
                                             
   For all VISA Cards, increases or decreases in the Interest Rate will cause like increases  DEFAULT. You will be in default if: (a) You do not make any payment or perform any 
   or decreases in the Finance Charge and will affect the number of Your regularly  obligation under this Agreement, or any other agreement that You may have with Us; 
   scheduled payments. For all VISA Cards, Your Interest Rate will never be greater than  or (b) You should die, become involved in any insolvency, receivership or custodial 
   18.00% and will apply to Your remaining principal balance.  proceeding brought by or against You; or (c) You have made a false or misleading 
                                            statement in Your credit application and/or in Your representations to Us while You 
   LATE CHARGE. If Your payment is more than 10 days late, You will be charged the  owe money on Your Account; or (d) A judgment or tax lien should be filed against You 
   lesser of: (a) $25.00; or (b) the amount of the minimum payment due.  or any attachment or garnishment should be issued against any of Your property or 
                                            rights, specifically including anyone starting an action or proceeding to seize any of 
   FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and  Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability 
   foreign currencies, the exchange rate between the transaction currency and the billing  to repay Your indebtedness hereunder is or soon will be impaired, time being of the 
   currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of rates  very essence. 
   available in wholesale currency markets for the applicable central processing date,   
   which rate may vary from the rate VISA itself receives; or (b) the government- Upon any occurrence of default, We may, to the extent permitted by law, cancel Your 
   mandated rate in effect for the applicable central processing date. For transactions  rights under this Agreement, require the return of all access devices and declare the 
   that are initiated in a foreign currency, You will be charged 1.00% of the final  entire balance of every Feature Category of Your Account immediately due and 
   settlement amount. For transactions occurring in foreign countries and initiated in U.S.  payable, without prior notice or demand.  
   Dollars, You will be charged 1.00% of the final settlement amount.   
                                            COLLECTION COSTS. In the event collection efforts are required to obtain payment 
   OTHER FEES AND CHARGES. You will be charged the following fees associated  on this Account, to the extent permitted by law, You agree to pay all court costs, 
   with the use of Your Card: (a) the lesser of $25.00 or the required minimum payment  private process server fees, investigation fees or other costs incurred in collection and 
   amount for the returned payment for any check (or other negotiable instrument used  reasonable attorneys� fees incurred in the course of collecting any amounts owed 
   for payment) which is returned unpaid; (b) $5.00 for each replacement Card You  under this Agreement or in the recovery of any Collateral. 
   request; (c) $5.00 for each replacement PIN You request; (d) $5.00 for each Card You   
   request be issued to a non-borrower (Authorized User); (e) $20.00 for each stop  ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   payment You request on a Convenience Check; (f) $6.00 for each statement copy  We delay enforcing them. We can accept late payments, partial payments or any other 
   You request; and (g) $15.00 per hour to research Your credit card account.  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 determined to be 
   OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in  unenforceable or invalid, all other provisions remain in full force and effect. 
   such increments as We may from time to time determine) to Your share draft account   
   by an advance on Your Account, subject to this provision, to clear any overdraft on  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or 
   Your share draft account. Whether or not such transfers occur will be controlled by  otherwise have a change of address. 
   this Agreement. In any event, You hold Us harmless for any and all liability which   
   might otherwise arise if the transfer does not occur. Overdraft protection automatically  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   ceases if this Agreement is ever cancelled or terminated or Your Account is in default.  delivering to You written notice of the changes as prescribed by the Federal Truth-In-
                                            Lending Act. To the extent permitted by law, the right to change the terms of this 
   ARBITRATION (EXCEPT FOR CREDIT COVERED UNDER THE MLA). This  Agreement includes, but is not limited to, the right to change the periodic rate 
   provision does not apply to covered-loans extended to covered borrowers as defined  applicable to Your unpaid balance and/or future advances. 
   within the Military Lending Act (MLA). If We determine You have met these definitions,   
   then We will provide a military annual percentage rate (MAPR) and payment obligation  CREDIT INSURANCE. Credit insurance is not required for any extension of credit 
   disclosure notice, in which case the following paragraph will not apply to You.  under this Agreement. However, You may purchase any credit insurance available 
   Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.                                                      Page 3 of 4                                                                                                             OTBS 016CC FRB_Web SELC (8/19)                     
                                                                              Rev. (10/19) 
   through Us and have the premiums added to Your outstanding balance. If You elect  What To Do If You Find A Mistake On Your Statement 
   to do so, You will be given the necessary disclosures and documents separately.   
                                            If You think there is an error on Your statement, write to Us at P.O. Box 7487, 
   INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional  Springfield, OR 97475. In Your letter, give Us the following information: 
   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   �  Account information: Your name and Account number. 
   and Disclosure.                          �  Dollar amount: The dollar amount of the suspected error. 
                                            �  Description of problem: If You think there is an error on Your bill, describe what 
   CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this  You believe is wrong and why You believe it is a mistake. 
   Agreement. By signing the application; or by using Your Account or any Account   
   access device; or by authorizing another to use Your Account, You agree to and  You must contact Us: 
   accept its terms.                         
                                            �  Within 60 days after the error appeared on Your statement. 
   UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts  �  At least three business days before an automated payment is scheduled, if You 
   to update information contained in Your original Account application or other financial  want to stop payment on the amount You think is wrong. 
   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 employment, credit  You must notify Us of any potential errors in writing. You may call Us, but if You do 
   standing and financial responsibility in accordance with applicable laws and  We are not required to investigate any potential errors and You may have to pay the 
   regulations. You further agree that We may give information about the status and  amount in question. 
   payment history of Your Account to consumer credit reporting agencies, a prospective   
   employer or insurer, or a state or federal licensing agency having any apparent  What Will Happen After We Receive Your Letter 
   legitimate business need for such information.    
                                            When We receive Your letter, We must do two things: 
   TERMINATION. Either You or We may cancel Your Account at any time, whether or   
   not You are in default. You will, in any case, remain liable to pay any unpaid balances  1)  Within 30 days of receiving Your letter, We must tell You that We received Your 
   according to the terms of Your Account.     letter. We will also tell You if We have already corrected the error. 
                                            2)  Within 90 days of receiving Your letter, We must either correct the error or 
   OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any  explain to You why We believe the bill is correct. 
   time without notice. You agree to surrender Your Card and to discontinue its use   
   immediately upon Our request.            While We investigate whether or not there has been an error: 
                                             
   ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your  �  We cannot try to collect the amount in question, or report You as delinquent on 
   request, a Personal Identification Number (PIN) for use with participating Automated  that amount. 
   Teller Machines (ATMs). This PIN is confidential and should not be disclosed to  �  The charge in question may remain on Your statement, and We may continue 
   anyone. You may use Your PIN to access Your Account and all sums advanced will  to charge You interest on that amount. 
   be added to Your Account balance. In the event a use of Your PIN constitutes an  �  While You do not have to pay the amount in question, You are responsible for 
   Electronic Fund Transfer, the terms and conditions of Your Electronic Fund Transfer  the remainder of Your balance. 
   Agreement may also affect Your rights.   �  We can apply any unpaid amount against Your Credit Limit. 
                                             
   EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other  After We finish Our investigation, one of two things will happen: 
   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.  �  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. 
   UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.  �  If We do not believe there was a mistake: You will have to pay the amount in 
   You will not be liable for the unauthorized use that occurs after You notify Us of the  question, along with applicable interest and fees. We will send You a statement 
   loss, theft, or possible unauthorized use by calling Us (541) 686-8000 or (800) 445- of the amount You owe and the date payment is due. We may then report You 
   4483 during regular business hours, or (866) 262-9488 after hours, on weekends and  as delinquent if You do not pay the amount We think You owe. 
   on holidays, or by writing to Us at P.O. Box 7487, Springfield, OR 97475. In any case,   
   Your liability will not exceed $50.00.   If 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 report 
   REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for  You as delinquent without also reporting that You are questioning Your bill. We must 
   the refusal or inability of merchants, financial institutions and others to accept the  tell You the name of anyone to whom We reported You as delinquent, and We must 
   Cards or Convenience Checks, or electronic terminals to honor the Cards or complete  let those organizations know when the matter has been settled between Us. If We do 
   a Card withdrawal, or for their retention of the Cards or Convenience Checks.  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 is correct. 
   TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic   
   terminal or financial institution at which transactions were made, but sales, cash  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
   advance, credit or other slips cannot be returned with the statement.   
                                            If You are dissatisfied with the goods or services that You have purchased with Your 
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards  Credit Card, and You have tried in good faith to correct the problem with the merchant, 
   or Convenience Checks, You will immediately call Us at (541) 686-8000 or (800) 445- You may have the right not to pay the remaining amount due on the purchase. To use 
   4483 during regular business hours, or (866) 262-9488 after hours, on weekends and  this right, all of the following must be true: 
   on holidays or write to Us at P.O. Box 7487, Springfield, OR 97475.   
                                            1)  The purchase must have been made in Your home state or within 100 miles of 
   CREDITS. If a merchant who honors Your Card gives You credit for returns or  Your current mailing address, and the purchase price must have been more than 
   adjustments, they will do so by sending Us a slip which will be posted to Your  $50.00. (Note: Neither of these are necessary if Your purchase was based on 
   Account. If Your credits and payments exceed what You owe Us, We will hold and  an advertisement We mailed to You, or if We own the company that sold You 
   apply this credit against future purchases and cash advances, or if it is $1.00 or  the goods or services.) 
   more refund it on Your written request or automatically deposit it to Your share  2)  You must have used Your Credit Card for the purchase. Purchases made with 
   account after six months.                   cash advances from an ATM or with a check that accesses Your Credit Card 
                                               account do not qualify. 
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the  3)  You must not yet have fully paid for the purchase.  
   State of Oregon, except to the extent that such laws are inconsistent with controlling   
   federal law.                             If all of the criteria above are met and You are still dissatisfied with the purchase, 
                                            contact Us in writing at P.O. Box 7487, Springfield, OR 97475.  
         Your Billing Rights: Keep this Document for Future Use   
                                            While We investigate, the same rules apply to the disputed amount as discussed 
   This notice tells You about Your rights and Our responsibilities under the Fair  above. After We finish Our investigation, We will tell You Our decision. At that point, 
   Credit Billing Act.                      if We think You owe an amount and You do not pay, We may report You as delinquent. 
    
    
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                                 PRICING INFORMATION ADDENDUM � 
                                 CREDIT CARD ACCOUNT AGREEMENT 
                        
     925 Harlow Rd., Springfield, OR 97477  AND FEDERAL DISCLOSURE STATEMENT 
         Phone: 800-445-4483 
    Interest Rate and Interest Charges 
                            
    Annual Percentage Rate (APR)     8.75 to 18.00
                           VISA Platinum: __________% 
    For Purchases 
                              These APRs will vary with the market based on the Prime Rate. 
                               
                                                             N/A
                           VISA Platinum (with Intro Rate on Balance Transfers): __________% 
                              These APRs will vary with the market based on the Prime Rate. 
                            
                                           8.75 to 18.00
                           Secured VISA Platinum: __________% 
                              These APRs will vary with the market based on the Prime Rate. 
                            
    Annual Percentage Rate (APR)     8.75 to 18.00
                           VISA Platinum: __________% 
    For Balance Transfers 
                              These APRs will vary with the market based on the Prime Rate. 
                            
                                                              N/A
                           VISA Platinum (with Intro Rate on Balance Transfers): __________% Introductory APR 
                           for _____ months  N/A
                                               N/A
                              After that Your APR will be __________%, and will vary with the market based on 
                              the Prime Rate. 
                            
                                           8.75 to 18.00
                           Secured VISA Platinum: __________% 
                              These APRs will vary with the market based on the Prime Rate. 
                            
    Annual Percentage Rate (APR)     8.75 to 18.00
                           VISA Platinum: __________% 
    For Cash Advances 
                              These APRs will vary with the market based on the Prime Rate. 
                            
                                                             N/A
                           VISA Platinum (with Intro Rate on Balance Transfers): __________% 
                              These APRs will vary with the market based on the Prime Rate. 
                            
                                           8.75 to 18.00
                           Secured VISA Platinum: __________% 
                              These APRs will vary with the market based on the Prime Rate. 
                           
    Paying Interest       Your due date is at least 25 days after the close of each billing cycle. We will not charge You 
                          interest on purchases if You pay Your entire balance owed by the due date each month. We 
                          will begin charging interest on balance transfers and cash advances on the transaction date. 
                            
    Fees 
                             
    Set-up and Maintenance Fees   
     
     �  Additional Card Fee  $5.00 
                            
                           
    Transaction Fees       
                           
     �  Foreign Transaction  1.00% of each foreign currency transaction in U.S. Dollars. 
     
                          1.00% of each U.S. Dollar transaction that occurs in a foreign country. 
                           
                           
    Penalty Fees           
                           
     �  Late Payment      Up to $25.00 
     �  Returned Payment  Up to $25.00 
                           
    
   How We Will Calculate Your Balance: 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., 2019. All Rights Reserved.                                                      Page 1 of 2                                                                                                          OTBS 016ACC FRB_Web SELC (8/19)                           
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   FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances 
   outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, 
   balance transfers, cash advances, insurance premiums, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us 
   the daily balance. 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 computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 
    
   You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the 
   new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances 
   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 cycle in which the transaction is posted to 
   Your Account. 
    
   For VISA Platinum (with Intro Rate on Balance Transfers), balance transfer transactions obtained during the _____ day period immediately following the date that Your Account  N/A
   is established, will accrue finance charges at an introductory Monthly Periodic Rate of _____________% (corresponding to an ANNUAL PERCENTAGE RATE of  N/A
   _____________%) until ______________. Upon the expiration of the introductory rate period, the entire balance of balance transfers existing at that time and in the future will  N/A N/A
   accrue finance charges at the non-introductory variable rate described elsewhere in this Agreement. 
    
   For VISA Platinum, all balances will be charged finances at a variable Monthly Periodic Rate of _______% - _______% (corresponding ANNUAL PERCENTAGE RATE  8.75 18.00
   _______% - _______%), depending on Your creditworthiness.  8.75 18.00
    
   For VISA Platinum (with Intro Rate on Balance Transfers), all purchase and cash advance transactions will be charged finances at a variable Monthly Periodic Rate of _______%  8.75
   - _______% (corresponding ANNUAL PERCENTAGE RATE _______% - _______%), depending on Your creditworthiness.  18.00 8.75 18.00
                                            
   For Secured VISA Platinum, all balances will be charged finances at a variable Monthly Periodic Rate of  _______% - _______% (corresponding ANNUAL PERCENTAGE RATE  _______%  8.75 18.00 8.75
   - _______%), depending on Your creditworthiness.  18.00
    
   VARIABLE RATE.  For VISA Platinum and Secured VISA Platinum, all transactions 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 Journal in effect on the 15th day of the month that immediately precedes each Change Date ("Index") plus Our Margin. The Index plus the 
   Margin equals the Interest Rate.  Changes in the Index will cause changes in the Interest Rate on the first day of the billing that occurs during the first month of each calendar 
   quarter ("Change Date"). 
    
   For VISA Platinum (with Intro Rate on Balance Transfers), all purchase and cash advance transactions 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 Journal in effect on the 15th day of the month that immediately precedes each Change Date ("Index") plus Our Margin. 
   The Index plus the Margin equals the Interest Rate.  Changes in the Index will cause changes in the Interest Rate on the first day of the billing that occurs during the first month 
   of each calendar quarter ("Change Date").  Following the expiration of the Introductory Rate period, all balance transfer transactions 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 Journal in effect on the 15th day of the month that immediately precedes each Change Date 
   ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate.  Changes in the Index will cause changes in the Interest Rate for balance transfers on the day the 
   Introductory Rate period expires, and subsequently, on the first day of the billing that occurs during the first month of each calendar quarter ("Change Date"). 
    
   For all VISA Cards, increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled 
   payments. For all VISA Cards, Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. 
    
   For VISA Platinum, the Margin applicable to Your Account will be _______ - _______ depending on Your creditworthiness.  4.00 14.00
    
   For VISA Platinum (with Intro Rate on Balance Transfers), the Margin applicable to Your Account will be _______ - _______ depending on Your creditworthiness.  N/A N/A
    
   For Secured VISA Platinum, the Margin applicable to Your Account will be _______ - _______ depending on Your creditworthiness.  4.00 14.00
    
    
   Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved.                                                      Page 2 of 2                                                                                                          OTBS 016ACC FRB_Web SELC (8/19)                           
                                                                              Rev. (10/19)