P.O. Box 286, Fairborn, Ohio 45324
Local (937) 912-7000 Wats: (800) 762-0047
TDD (937) 912-7001
www.wpcu.coop

CREDIT LINE ACCOUNT AGREEMENT AND DISCLOSURE
THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL
TRUTH-IN-LENDING DISCLOSURE STATEMENTS, FIRST TIME USER VISA, LOW RATE VISA, SHARE
SECURED VISA, FIRST TIME USER MASTERCARD, LOW RATE MASTERCARD AND SHARE SECURED
MASTERCARD AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR FIRST
TIME USER VISA, LOW RATE VISA, SHARE SECURED VISA, FIRST TIME USER MASTERCARD, LOW RATE
MASTERCARD AND SHARE SECURED MASTERCARD 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)
For Purchases

First Time User VISA: _________% fixed; or _________% when You
open Your account, after which Your APR will vary with the market based on the 26-week
United States Treasury Bill Rate.

First Time User MasterCard: _________% fixed; or _________% when
You open Your account, after which Your APR will vary with the market based on the
26-week United States Treasury Bill Rate.

Share Secured VISA: _________% fixed; or _________% when You
open Your account, after which Your APR will vary with the market based on the 26-week
United States Treasury Bill Rate.

Share Secured MasterCard: _________% fixed; or _________% when
You open Your account, after which Your APR will vary with the market based on the
26-week United States Treasury Bill Rate.

Low Rate VISA: _________% - _________% based on Your
creditworthiness. Your APR will vary with the market based on the Prime Rate.

Low Rate MasterCard: _________% - _________% based on Your
creditworthiness. Your APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR)
For Balance Transfers

First Time User VISA: _______% fixed; or _______% when You open Your account, after
which Your APR will vary with the market based on the 26-week United States Treasury
Bill Rate.

First Time User MasterCard: _______% fixed; or _______% when You open Your
account, after which Your APR will vary with the market based on the 26-week United
States Treasury Bill Rate.

Share Secured VISA: _______% fixed; or _______% when You open Your account, after
which Your APR will vary with the market based on the 26-week United States Treasury
Bill Rate.

Share Secured MasterCard: _______% fixed; or _______% when You open Your
account, after which Your APR will vary with the market based on the 26-week United
States Treasury Bill Rate.

Low Rate VISA: _________% - _________% based on Your creditworthiness. Your APR
will vary with the market based on the Prime Rate.

Low Rate MasterCard: _________% - _________% based on Your creditworthiness.
Your APR will vary with the market based on the Prime Rate.

SEE TOP OF PAGE 2 AND 3 for more important information about Your Account

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Interest Rate and Interest Charges (continued)

Annual Percentage Rate (APR)
For Cash Advances

First Time User VISA: _________% fixed; or _________% when You open Your account,
after which Your APR will vary with the market based on the 26-week United States
Treasury Bill Rate.

First Time User MasterCard: _________% fixed; or _________% when You open Your
account, after which Your APR will vary with the market based on the 26-week United
States Treasury Bill Rate.

Share Secured VISA: _________% fixed; or _________% when You open Your account,
after which Your APR will vary with the market based on the 26-week United States
Treasury Bill Rate.

Share Secured MasterCard: _________% fixed; or _________% when You open Your
account, after which Your APR will vary with the market based on the 26-week United
States Treasury Bill Rate.

Low Rate VISA: _________% - _________% based on Your creditworthiness. Your APR
will vary with the market based on the Prime Rate.

Low Rate MasterCard: _________% - _________% based on Your creditworthiness.
Your APR will vary with the market based on the Prime Rate.

ReadyLine: _________% fixed; or _________% when You open Your account, after
which Your APR will vary with the market based on the 26-week United States Treasury
Bill Rate.

Stretch Pay Line of Credit: _________% fixed; or _________% when You open Your
account, after which Your APR will vary with the market based on the 26-week United
States Treasury Bill Rate.

Penalty APR And When it
Applies

18.00%

This APR may be applied to Your VISA or MasterCard Feature Category if You:
1) Make a late payment.

How Long Will The Penalty APR Apply? If Your APRs are increased for this
reason, for transactions that You make prior to the effective date of the increase, the
Penalty Rate will apply until You make the next six consecutive minimum payments
when due. For transactions that You make after the effective day of the increase, the
Penalty Rate may be applied indefinitely.

Paying Interest

For VISA and MasterCard, 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 cash advances and
balance transfers on the transaction date.

For Credit Card Tips from the
Federal Reserve Board

To learn more about factors to consider when applying for or using a Credit Card, visit the
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

SEE TOP OF PAGE 3 for more important information about Your Account

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Fees

Annual Fee

Transaction Fees
.

Foreign Transaction

Penalty Fees
.
.

Returned Payment
Late Payment

For Stretch Pay Line of Credit, $35.00 or $70.00 depending on Your approved credit limit.

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.
For MasterCard, 1.00% of each foreign currency transaction in U.S. dollars.
For MasterCard, 0.80% of each U.S. Dollar transaction that occurs in a foreign country.

For VISA and MasterCard, up to $25.00
For VISA and MasterCard, up to $20.00 after 4 days
Except for VISA and MasterCard, 5.00% of the payment due after 9 days

How We Will Calculate Your Balance: For all Feature Categories (except VISA and MasterCard), We use a method called
"daily balance." For VISA and MasterCard, 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.

In this Agreement, the reference to "We", "Us", "Our" and "Credit Union" mean WRIGHT-PATT CREDIT UNION, INC. 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 First Time User VISA, Low Rate
VISA, Share Secured VISA, First Time User MasterCard, Low Rate MasterCard or Share Secured MasterCard 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. Your Account may be accessible through a variety of means which could include advance request forms, vouchers, checks, charge
slips, Convenience Checks, Credit Cards and the like. Regardless of the access means, 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 ReadyLine (including Overdraft Protection), Stretch Pay Line of Credit, First Time
User VISA, Low Rate VISA, Share Secured VISA, First Time User MasterCard, Low Rate MasterCard and Share Secured MasterCard.

ADVANCES. Whenever You request a transaction, We may require You to prove
Your identity. If You request an advance by telephone, We will deposit the amount
requested in Your share account or Your share draft account and You authorize
Us to do this, or We may draw a draft or check made payable to You and mail it
to You. When the amount advanced appears on a subsequent statement, that will
be conclusive evidence of Your telephone request. You understand that whether
or not any specific secured advance request is approved may be determined
by how much equity You have or will have in the shares and/or collateral offered
as security.

specific pledge of shares which will equal Your Credit Limit. In the event that You
default on Your Account, We may apply these shares toward the repayment of
any amount owed on Your Share Secured VISA or Share Secured MasterCard
Feature Category. You may cancel Your Share Secured VISA or Share Secured
MasterCard Account at any time by paying any amounts owed on Your Secured
VISA or Share Secured MasterCard Feature Category. To be certain that Your
entire balance and all advances on Your Account are paid, any shares pledged
may not be available to You for 30 days after You have cancelled and any
outstanding balance is paid in full.

For advances under Your Stretch Pay Line of Credit Feature Category, all
advances must be equal to Your approved Credit Limit.

SECURITY. As permitted by law, to secure all transactions under this Agreement
in either joint or individual Accounts, We have the right to impress and enforce a
statutory lien against Your shares on deposit with Us (other than those deposits
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
extent that You owe on any unpaid balance on Your Account and We may enforce
Our right to do so without further notice to You. Additionally, You agree that We
may set-off any mutual indebtedness.

You acknowledge that You own any shares and/or collateral pledged as security
and that there are no other liens against them other than Ours. You agree to
perform all acts which are necessary to make Our security interest in the shares
and/or collateral being pledged enforceable.

All certificates which are pledged as Collateral must be renewed until Your
outstanding balance is paid in full. Failure to renew any certificates securing any
advance will cause Your entire outstanding Account balance to become
immediately due and payable.

In order to receive and maintain a Stretch Pay Line of Credit Feature Category,
You agree to give Us a specific pledge of shares at the time of Your initial advance
on Your Stretch Pay Line of Credit, which will equal 10.00% of Your Credit Limit.
The funds required for this pledge will be deducted from the amount advanced and
deposited into Your share account. In the event that You default on Your Stretch
Pay Line of Credit Feature Category, We may apply these shares toward the
repayment of any amount owed on such Feature Category. The shares originally
pledged will be released upon Our termination and closure of such Feature
Category although they may not be available to You for 30 days after any
outstanding balance is paid in full.

LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for
each Feature Category for which You are approved. Unless You are in default,
any Credit 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, and You will
pay any amount over Your Credit Limit on Our demand whether or not We
authorize the advances which caused You to exceed Your Credit Limit. Even if
Your unpaid balance is less than Your Credit Limit, You will have no credit
available during any time that any aspect of Your Account is in default.

OTHER SECURITY. Collateral (other than household goods or any dwelling)
given as security under this Agreement or for any other loan You may have with
Us will secure all amounts You owe Us now and in the future if that status is
reflected in the "Truth-in-Lending Disclosure"
in any particular Agreement
evidencing such debt.

LIEN ON SHARES. If You have been issued a Credit Card, You grant and
consent to a lien on Your shares with Us (except for IRA, Keogh and
Health Savings accounts) and any dividends due or to become due to You
from Us to the extent You owe on any unpaid Credit Card balance.

ACCOUNT RESTRICTIONS. In order to receive and maintain a Share Secured
VISA or Share Secured MasterCard Feature Category, You agree to give Us a

JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for
the repayment of any amounts owed. If any Account access device, such as a
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 at the address that We have on file for You. We may refuse to follow any
instructions which run counter to this provision.

MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need
only 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 Finance Charges to the date You repay Your entire balance. You
may make larger payments without penalty. Any partial payment or prepayment
will not delay Your next scheduled payment. All payments to Us must be in lawful

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money of the United States. We may apply each payment to whichever Feature
Category We wish. For all Feature Categories (except VISA and MasterCard),
payments will be applied first to any Late Charges owing, then to the Finance
Charge due, then to the outstanding principal balance. Except as required by law,
the order in which We may apply VISA and MasterCard payments is at Our
discretion. 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 the repayment of Your unpaid balance will increase Your periodic
Finance Charges and any acceleration in the repayment of Your unpaid balance
will decrease Your periodic Finance Charges.

ReadyLine Minimum Payments will be an amount equal to 3.00% of Your new
unpaid ReadyLine balance at the end of each billing cycle, subject to the lesser of
$20.00 or Your balance, plus any portion of the Minimum Payments shown on
prior statement(s) which remains unpaid, plus any amount that exceeds Your
approved Credit Limit.

For Stretch Pay Line of Credit Feature Categories with an approved Credit Limit of
$250.00, Minimum Payments will be an amount equal to all outstanding principal
together with accrued but unpaid Finance Charges at the end of each billing cycle.
For Stretch Pay Line of Credit Feature Categories with an approved Credit Limit of
$500.00, Minimum Monthly Payments will be disclosed to You at the time of each
advance on a separate page titled "Credit Line Account Advance Request and
Security Agreement".

VISA and MasterCard Minimum Payments will be an amount equal to 3.00% of
Your new unpaid balance at the end of each billing cycle, subject to the lesser of
$20.00 or Your balance, plus any portion of the Minimum Payments shown on
prior statement(s) which remains unpaid, plus any amount that exceeds Your
approved Credit Limit.

You may, by separate agreement, authorize Us to charge Your payment directly
to Your share or share draft account.

LATE CHARGE (EXCEPT FOR VISA AND MASTERCARD). If Your payment is
10 or more days late, You will be charged 5.00% of the payment due.

OTHER FEES AND CHARGES (EXCEPT FOR VISA AND MASTERCARD).
For all Feature Categories (except VISA and MasterCard), You will be charged a
$75 FINANCE CHARGE each time You request and We agree to lower the
periodic rate and corresponding Annual Percentage Rate applicable to such
Feature Category.

STRETCH PAY LINE OF CREDIT ANNUAL MEMBERSHIP FEE. Stretch Pay
Line of Credit Accountholders with approved Credit Limits of $250.00 will be
charged a $35 Annual Membership Fee for continued participation in the Stretch
Pay Line of Credit program. Stretch Pay Line of Credit Accountholders with
approved Credit Limits of $500.00 will be charged a $70 Annual Membership Fee
for continued participation in the Stretch Pay Line of Credit program. This fee is
required each year to continue credit availability whether or not You use Your
Account throughout the year.

FINANCE CHARGES (EXCEPT FOR VISA AND MASTERCARD). A Finance
Charge will be assessed on any unpaid principal balance for each Feature
Category of Your Account for the period such balance is outstanding. Balances
change each time advances are made, payments are made or credits given under
any Feature Category. The Finance Charge begins to accrue on the date of each
advance and there is no grace period.

HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT FOR VISA AND
MASTERCARD). For all Feature Categories (except for VISA and MasterCard),
the Finance Charge is determined by multiplying Your unpaid balance at the close
of each day in the billing cycle being accounted for by the applicable Daily
Periodic Rate. The unpaid balance is the balance each day after payments,
credits, and unpaid Finance Charges to that balance have been subtracted
and any new advances,
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 the Finance Charge owed for the Feature
Category being accounted for. The total Finance Charge You owe on Your
Account for each billing cycle is the sum of all the Finance Charges due for all
applicable Feature Categories.

VISA AND MASTERCARD FINANCE CHARGES.
In the case of any
transactions under Your VISA or MasterCard Feature Categories, 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, 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. Cash 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 cycle in which the cash advance is posted to
Your Account.

VARIABLE RATE (EXCEPT LOW RATE VISA AND LOW RATE
MASTERCARD). If Your Feature Category is subject to a Variable Rate, advances
are subject to a Variable Rate which is based on the highest 26-Week United
States Treasury Bill Rate as published in the Money Rates section of The Wall
Street Journal in effect on the day that any introductory rate period expires, and
subsequently, on the last day of each calendar quarter of each year, rounded to
the nearest .10% ("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
day that any introductory rate period expires, and subsequently, on the first day of
the month immediately following any such change in the index. 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.
Other than the maximum and minimum Interest Rates that can apply at any time,
Your Interest Rate will never increase or decrease by more than 2.00 percentage
points on any change date nor more than 8.00 percentage points during any
12-consecutive-month period. Your Interest Rate will never be greater than the
lesser of 25.00% or the Margin plus 16.00%, nor less than the greater of 5.00% or
the Margin plus 5.00% (except for VISA and MasterCard), and in all cases will
apply to Your remaining principal balance.

LOW RATE VISA AND LOW RATE MASTERCARD VARIABLE RATE. Low
Rate VISA and Low Rate MasterCard advances are subject to a Variable Rate
which is based on the highest Prime Rate as published in the Money Rates section
of The Wall Street Journal in effect on the last day of each calendar quarter of
each year ("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 cycle in the month immediately following any such change in the
index. 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. Other than the maximum and minimum Interest Rates that
can apply at any time, Your Interest Rate will never increase or decrease by more
than 1.00 percentage point on any change date. Your Interest Rate will never be
greater than 25.00%, and will apply to Your remaining principal balance.

For the applicable Index, Margin, Daily or Monthly Periodic Rates and
corresponding Annual Percentage Rates for all Feature Categories, refer to
the separate page titled Additional Disclosure - Federal Truth-In-Lending
"Credit Line Account Advance Request And Security
Act" and/or
Agreement" which We have included with and made a part of
this
Agreement.

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 draft
Account by an advance on ReadyLine Feature Category, subject to this provision,
to clear any 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 all
liability which might otherwise arise if the transfer does not occur.
Overdraft protection automatically ceases if this Agreement is ever cancelled or
terminated or Your Account is in default.

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 statement. We will mail You a statement each month in which there
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 collection proceedings against You because You defaulted. Each
statement is deemed to be a correct statement of account unless You establish a
billing error pursuant to the Federal Truth-In-Lending Act.

OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under
no obligation to honor Your Convenience Checks if: (1) by paying a Convenience
Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience
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
Convenience Check is returned unpaid, We are not responsible for any resulting
loss or liability.

DEFAULT. You will be in default if: (a) You do not make any payment or perform
any obligation under this Agreement, or any other agreement that You may have
with Us; or (b) You should die, become involved in any insolvency, receivership or
custodial proceeding brought by or against You; or (c) You have made a false or
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
filed against You 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 Your funds on deposit with Us; and/or (e) We should, in
good faith, believe Your ability to repay Your indebtedness hereunder is or soon
will be impaired, time being of the very essence.

Upon any occurrence of default, We may, to the extent permitted by law, cancel
Your rights under this Agreement, require the return of all access devices and
declare the entire balance of every Feature Category of Your Account immediately
due and payable, without prior notice or demand.

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
investigation fees or other costs incurred
costs, private process server fees,

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in collection and reasonable attorneys' fees incurred in the course of collecting
any amounts owed under this Agreement or in the recovery of any collateral.

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
other 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 unenforceable or invalid, all other provisions remain in full force
and effect.

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You
move or otherwise have a change of address.

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-In-Lending Act. To the extent permitted by law, the right to change the terms
of this Agreement includes, but is not limited to, the right to change the periodic
rate applicable to Your unpaid balance and/or future advances.

insurance is not required for any extension of
CREDIT INSURANCE. Credit
credit under this Agreement. However, You may purchase any credit insurance
available through Us and have the premiums added to Your outstanding
balance. If You elect to do so, You will be given the necessary disclosures and
documents separately.

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional
Disclosure - Federal Truth-In-Lending Act", "Additional Disclosure" and/or "Credit
Line Account Advance Request and Security Agreement" which is delivered
together with this Agreement or at a later date becomes an integrated part of this
Agreement and Disclosure.

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of
this
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
accept its terms.

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide
facts to update information contained in Your original Account application or
information related to You, at Our request. You also agree that
other financial
We may, from time to time, as We deem necessary, make inquiries pertaining to
Your employment, credit standing and financial responsibility in accordance
with applicable laws and regulations. You further agree that We may give
information about the status and payment history of Your Account to consumer
credit reporting agencies, a prospective employer or insurer, or a state or
federal
legitimate business need for
such information.

licensing agency having any apparent

TERMINATION. Either You or We may cancel Your Account or any particular
Feature Category of Your Account, at any time, whether or not You are in default.
You will, in any case, remain liable to pay any unpaid balances according to the
terms of Your Account.

GOVERNING LAW. This Agreement is controlled and governed by the laws of the
State of Ohio except to the extent that such laws are inconsistent with controlling
federal law.

SPECIFIC TERMS APPLICABLE TO YOUR FIRST TIME USER VISA, LOW RATE
VISA, SHARE SECURED VISA, FIRST TIME USER MASTERCARD, LOW RATE
MASTERCARD AND SHARE SECURED MASTERCARD CREDIT CARDS

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
institutions. You agree not to use Your Card for illegal transactions including, but
not limited to, advances made for the purpose of gambling and/or wagering where
such practices are in violation of applicable state and/or federal law.

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or
other slips You may sign or receive when using Your Card contain terms,
this Agreement is the contract which solely applies to all transactions involving
the Card.

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.
You will not be liable for the unauthorized use that occurs after You notify Us of
the loss,
theft, or possible unauthorized use by calling Us at the telephone
number shown in this Agreement or by writing to Us at the address shown in this
Agreement. In any case, Your liability will not exceed $50.

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not
liable for the refusal or inability of merchants, financial institutions and others 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
Convenience Checks.

FOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the
exchange rate between the transaction currency and the billing currency (U.S.
dollars) will be: (a) a rate selected by VISA and/or MasterCard, as is applicable,
from the range of rates available in wholesale currency markets for the applicable
central processing date, which rate may vary from the rate VISA or MasterCard
itself receives; or (b) the government-mandated rate in effect for the applicable
central processing date.

For transactions involving Your VISA Card, You will be charged 1.00% calculated
on the final settlement amount. For transactions involving Your MasterCard Card,
You will be charged 8/10ths of 1.00% calculated on the final settlement amount
for transactions that are initiated in foreign countries, and if Your transaction is
also initiated in a foreign currency You will be charged an additional 2/10ths of
1.00% calculated on the final converted settlement amount.

TRANSACTION SLIPS. Your monthly statement will
electronic terminal or financial
sales, cash advances, credit or other slips cannot be returned with the statement.

identify that merchant,
institution at which transactions were made, but

LATE CHARGE. If Your payment is five or more days late, You will be charged
the lesser of: (a) the amount of the minimum payment due; or (b) $20.

OTHER FEES AND CHARGES. You will be charged the lesser of $25 for any
check (or other negotiable instrument used for payment) which is returned unpaid,
or the required minimum payment amount for the returned payment.

VISA AND MASTERCARD PENALTY RATE.
If Your VISA or MasterCard
Feature Category is more than 60 days past due, subject to applicable law, the
Monthly Periodic Rate applicable to Your entire balance of transactions existing at
that
increase to 1.50% (corresponding ANNUAL
PERCENTAGE RATE 18.00%).

time and in the future will

During the six month period following the effective date of the increase upon receipt
of the first six consecutive required minimum periodic payments when due, the rate
applicable to the balance of transactions that occurred prior to such increase will be
returned to the standard rate that would have otherwise been in effect.

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit
Cards or Convenience Checks, You will immediately call Us at or write to Us at the
address shown in this Agreement.

CREDITS. If a merchant who honors Your Card gives You credit for returns or
adjustments, they will do so by sending Us a slip which will be posted to Your
Account. If Your credits and payments exceed what You owe Us, We will hold and
apply this credit against future purchases and cash advances, or if it is $1.00 or
more refund it on Your written request or automatically deposit it to Your share
account after six months.

Your Billing Rights: Keep this Document for Future Use

This notice tells You about Your rights and Our responsibilities under the Fair
Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If You think there is an error on Your statement, write to Us at Our address shown
in this Agreement. In Your letter, give us the following information:
.
.
.

Account information: Your name and Account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If You think there is an error on Your bill, describe
what You believe is wrong and why You believe it is a mistake.

You must contact Us:
.
.

Within 60 days after the error appeared on Your statement.
At
least 3 business days before an automated payment
You want to stop payment on the amount You think is wrong.

is scheduled,

if

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
the amount in question.

What Will Happen After We Receive Your Letter

When We receive Your letter, We must do two things:

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.

2) Within 90 days of receiving Your letter, We must either correct the error or

explain to You why We believe the bill is correct.

try to collect

While We investigate whether or not there has been an error:
.
.
.
.

We cannot
delinquent on that amount.
The charge in question may remain on Your statement, and We may
continue to charge You interest on that amount.
While You do not have to pay the amount in question, You are responsible
for the remainder of Your balance.
We can apply any unpaid amount against Your Credit Limit.

in question, or

report You as

the amount

After We finish Our investigation, one of two things will happen:
.
.

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.
If We do not believe there was a mistake: You will have to pay the amount in
question, along with applicable interest and fees. We will send You a statement

Copyright Oak Tree Business Systems, Inc., 2005-2010. All Rights Reserved.

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of the amount You owe and the date payment is due. We may then report You
as delinquent if You do not pay the amount We think You owe.

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 You as delinquent without also reporting that You are questioning Your bill.
We must tell You the name of anyone to whom we reported You as delinquent,
and We must let those organizations know when the matter has been settled
between Us. If We do not follow all of the rules above, You do not have to pay the
first $50 of the amount You question even if Your bill is correct.

1) The purchase must have been made in Your home state or within 100 miles of
Your current mailing address, and the purchase price must have been more
than $50. (Note: Neither of these are necessary if Your purchase was based on
an advertisement We mailed to You, or if We own the company that sold You
the goods or services.)

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
account do not qualify.

3) You must not yet have fully paid for the purchase.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If all of the criteria above are met and You are still dissatisfied with the purchase,
contact Us in writing at Our address shown in this Agreement.

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
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:

While We investigate, the same rules apply to the disputed amount as discussed
above. After We finish Our investigation, We will tell You Our decision. At that
point, if We think You owe an amount and You do not pay, We may report You
as delinquent.

Copyright Oak Tree Business Systems, Inc., 2005-2010. All Rights Reserved.

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