4455 Arden Drive
P.O. Box 8023
El Monte, CA 91734-2323
(800) 488-8328

CREDIT LINE ACCOUNT
AGREEMENT AND DISCLOSURE

THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING
DISCLOSURE STATEMENTS, VISA PLATINUM PLUS, VISA PLATINUM PREMIUM, VISA PLATINUM NEW START, AND
SHARE SECURED VISA PLATINUM AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF
YOUR VISA PLATINUM PLUS, VISA PLATINUM PREMIUM, VISA PLATINUM NEW START, AND SHARE 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) For Purchases

VISA Platinum Plus: 8.90%
VISA Platinum Premium: 13.90%

VISA Platinum New Start: 16.90%
Share Secured VISA Platinum: 10.90%

Annual Percentage Rate
(APR) For Balance Transfers

VISA Platinum Plus: 8.90%
VISA Platinum Premium: 13.90%

VISA Platinum New Start: 16.90%
Share Secured VISA Platinum: 10.90%

Annual Percentage Rate
(APR) For Cash Advances

VISA Platinum Plus: 8.90%
VISA Platinum Premium: 13.90%

VISA Platinum New Start: 16.90%
Share Secured VISA Platinum: 10.90%

Paying Interest

Personal Property Secured: _______% - _______% based on the age and type of property
pledged as security.

For VISA, We will not charge You interest on purchases if You pay Your entire balance owed
each month within 26 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.

Fees

Transaction Fees

 Foreign Transaction
 Cash Advance

For VISA, 1.00% of each transaction in U.S. dollars
For VISA Platinum Plus, 2.00% of each advance ($5.00 minimum - $25.00 maximum)

Penalty Fees

 Returned Payment
 Over-the-Credit Limit


Late Payment

Up to $15.00
Up to $29.00
For VISA, up to $25.00 after 4 days
Except for VISA, 20.00% of the finance charge due ($10.00 minimum) after 10 days

How We Will Calculate Your Balance: For all Feature Categories (except VISA), We use a method called "daily balance.” For
VISA, We use a method called "average daily balance (including new purchases).” See Your Account Agreement for details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your
Account Agreement.

In this Agreement, the reference to "We", "Us", "Our" and "Credit Union" mean VONS EMPLOYEES FEDERAL 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 Plus, VISA Platinum Premium,
VISA Platinum New Start, or Share Secured VISA Platinum 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, check cards, ATM cards, Credit Cards, wire transfers, direct transfers and/or wire transfers to specific payees identified
by You, direct transfers to Your share/share draft or other Credit Union account and the like. Regardless of the means by which any advance is made, You promise to pay Us all
amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance
Charges and other fees or charges described herein.

FEATURE CATEGORIES. Your Account has Feature Categories which may include Personal Property Secured (a label to reference certain Feature Categories secured by personal
property described below and/or on the separate page titled "Credit Line Account Advance Request and Security Agreement" which We have included with and made a part of this
Agreement) VISA Platinum Plus, VISA Platinum Premium, VISA Platinum New Start, and Share Secured VISA Platinum.

Account
Feature Categories

_____________________________

VISA Platinum Plus

VISA Platinum Premium

VISA Platinum New Start

Share Secured VISA Platinum

Daily
Periodic Rate

___________%

___________%

___________%

___________%

___________%

ANNUAL
PERCENTAGE
RATE

___________%

___________%

___________%

___________%

___________%

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Additional Provisions of Agreement

ADVANCES. Whenever You request a transaction, We may require You to prove Your
identity. Advances made on Your Account will be processed according to the
instructions You give Us (such as by wire transfer, direct transfer to Your Credit Union
account or by other such means) 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 advance
request unless You notify Us that You disagree with any such item appearing on Your
periodic statement according to the provision of this Agreement titled "Your Billing
Rights: Keep this Document for Future Use". You understand that whether or not any
specific secured advance request is approved may be determined by how much equity
You have or will have in the shares, certificates and/or Collateral offered as security.

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.

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 money of the United States.
We may apply each payment to whichever Feature Category We wish. For all Feature
Categories (except VISA), 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, We may apply VISA payments in an order of Our choosing.

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
increase Your periodic Finance Charges and any
of Your unpaid balance will
acceleration in the repayment of Your unpaid balance will decrease Your periodic
Finance Charges.

Whether additional Collateral will be required depends on the type of advance You
request. If You request an advance under a Feature Category which describes personal
property, that property, including the proceeds of the sale of such property, must also be
given as Collateral. For example, a Feature Category called "New Car Advances"
means the Collateral will be a new car. The fact that We are acquiring a security interest
in certain property and/or Certificate(s) will be disclosed in the "Credit Line Account
Advance Request and Security Agreement" form related to any initial advance. You will
be provided a copy of that form at the time You receive the initial advance for any
secured Feature Category.

Except for Our security interest, any Collateral pledged as security for Your Account is
owned free and clear
from any liens, adverse claims, security interests or
encumbrances. Without Our express written consent, no other liens, security interests or
encumbrances will be allowed to attach to the Collateral. You agree to inform Us
immediately if the Collateral is to be moved from the address We have on file for You or
at such other address at which You have informed the Credit Union the Collateral is now
located. The Collateral will not be sold or otherwise transferred and at all times the
Collateral will be kept in good repair. The Collateral shall not be used for any unlawful
purpose. We shall receive Your full cooperation in obtaining everything that We require
to place and/or maintain Our security interest and/or lien in the Collateral. We may
examine and inspect
taxes or
the Collateral at any time, wherever
assessments on the Collateral shall be paid as they come due; if not paid, We may pay
them and will be entitled to reimbursement or alternatively, charge that amount to Your
Account, under the related Feature Category.

located. All

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 agree to
perform all acts which are necessary to make Our security interest in the certificates,
shares and/or Collateral being pledged enforceable.

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.

CONSENSUAL 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 and Keogh
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
Platinum Feature Category, You agree to give Us a specific pledge of shares. For
Share Secured VISA Platinum the pledge of shares will equal Your credit limit. In the
event that You default on Your Share Secured VISA Platinum Feature Category, We
may apply these shares toward the repayment of any amount owed on such Feature
Category. You may cancel Your Share Secured VISA Platinum Feature Category at
any time by paying any amounts owed on Your Feature Category. To be certain that
Your entire balance and all advances are paid, any shares pledged may not be
available to You for 30 days after You have cancelled and 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.

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

For all Feature Categories (except VISA), 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 Platinum Plus, VISA Platinum Premium, VISA Platinum New Start, and Share
Secured VISA Platinum Minimum Payments will be an amount equal to 2.00% of Your
new unpaid VISA Platinum Plus, VISA Platinum Premium, VISA Platinum New Start, or
Share Secured VISA Platinum balance at the end of each billing cycle, subject to the
lesser of $15.00 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 VISA). If Your payment is more than 10 days late, You will
be charged the greater of 20.00% of the Finance Charge due or $10.00.

FINANCE CHARGES (EXCEPT VISA). 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 VISA). For all Feature
Categories (except VISA), 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 FINANCE CHARGES.
In the case of any transactions under Your VISA
Platinum Plus, VISA Platinum Premium, VISA Platinum New Start, or Share Secured
VISA Platinum Feature Categories, the balances subject to the periodic Finance
Charge are the average daily transactions balances outstanding during the month
the average daily balance, We take the beginning
(new and previous). To get
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 Daily Periodic Rate
times the number of days in the billing cycle.

You can avoid Finance Charges on purchases by paying the full amount of the entire
balance owed each month within 26 days of Your statement closing date. Otherwise, the
new balance of purchases, and subsequent purchases from the date they are posted to
to a Finance Charge. Cash advances and balance
Your Account, will be subject
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 such transaction
is posted to Your Account.

VISA LATE CHARGE. If Your payment is 5 or more days late, You will be charged the
lesser of: (a) the amount of the minimum payment due; or (b) $25.00.

OVER-THE-CREDIT LIMIT FEE. If You have affirmatively consented to allow Us to pay
a transaction that would exceed Your Credit Limit and We have acknowledged Your
consent as required by applicable law, subject to any limitations imposed by applicable
law, You will be charged a fee for each billing cycle during which You exceed Your
Credit Limit. The fee will be an amount equal to the lesser of: (a) $25.00 (this amount
will be $29.00 if you have exceeded Your Credit Limit as described above within 6

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months of previously exceeding Your Credit Limit); or (b) the amount by which You have
exceeded Your Credit Limit.

OTHER FEES AND CHARGES. You will be charged the following fees associated with
the use of Your Card: (a) the lesser of $15.00 for any check (or other negotiable
instrument used for payment) which is returned unpaid, or the required minimum
payment amount for the returned payment; (b) for VISA Platinum Plus, a cash advance
fee FINANCE CHARGE equal to the greater of 2.00% of each advance or $5.00,
subject to a maximum of $25.00; and (c) $6.00 for each replacement Card You request.

OVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or in
such increments as We may from time to time determine) to Your share draft account
by an advance on Your VISA Platinum Plus, VISA Platinum Premium, VISA Platinum
New Start, or Share Secured VISA Platinum 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.

against fire and other hazards, with a policy as specified by Us, in the amount necessary
to protect Our security interest in the Collateral with Us named as loss payee for Our
protection and with a maximum deductible of $1,000. Such insurance shall protect
against loss by fire, theft, and collision, and will provide "all risks" hull insurance in the
case of aircraft or boats and accessories thereto,
if any. You may purchase the
insurance from any insurer You want, but We have the right not to accept the insurer for
reasonable cause. If You do not get or keep such insurance, We may (but are under no
obligation to do so) obtain it and: (a) add the costs to the principal balance of Your
Account; (b) increase Your periodic payment; and/or (c) demand that You pay the cost
in a single lump sum. In any case, You agree to pay for the cost of any such insurance
and if You fail to do so, We may declare Your Account in default. You agree to deliver
satisfactory evidence of the insurance policy to Us within any time period specified in
any notice from Us or on Our behalf. You understand that any property insurance
obtained by Us on the Collateral will only protect Our interest in this Agreement and the
Collateral and that the cost of such insurance may be remarkably greater than that
which You obtain on Your own, all of which means that property insurance obtained by
Us on Your behalf may cost You more and provide less coverage on the Collateral. We
have the authority to obtain, adjust, settle or cancel insurance and may endorse any
party's name on any draft.

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.

INTEGRATED DOCUMENTS. Any separate sheet of paper
labeled "Additional
Disclosure - Federal Truth-In-Lending Act", 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.

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.

If Your entire Account balance is not

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.
then paid
immediately upon default, and if permitted by law, the Collateral shall be voluntarily
surrendered to the Credit Union at a time and place acceptable to it. If this is not done,
to the extent permitted by law, the Credit Union may enter the premises where the
is located and take possession of it and the Credit Union may assert the
Collateral
defense of a superior right of possession as the holder of a security interest to any
offense of alleged wrongful taking and conversion. The Credit Union may sell or dispose
of the Collateral in any manner permitted by law, and any resulting deficiency on Your
Account shall be immediately paid to the Credit Union. You further agree that We may, if
necessary and at Our option, improve the Collateral from the state that it is in at the time
of repossession to a state that is considered reasonable and customary for normal use
of the Collateral and You agree to reimburse Us for any and all costs incurred in the
course of such improvements.

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 costs, private
investigation fees or other costs incurred in collection and
process server
reasonable attorneys’ fees incurred in the course of collecting any amounts owed under
this Agreement or in the recovery of any Collateral.

fees,

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 change Your address or telephone number.

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.

PROPERTY INSURANCE. You agree to insure the property described in the Security
Interest section of any Credit Line Account Advance Request and Security Agreement

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to
update information contained in Your original Account application or other financial
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
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 licensing agency having any apparent legitimate business need for
such information.

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 California except
that such laws are inconsistent with
controlling federal law.

to the extent

SPECIFIC TERMS APPLICABLE TO YOUR VISA PLATINUM
PLUS, VISA PLATINUM PREMIUM, VISA PLATINUM NEW START,
OR SHARE SECURED VISA PLATINUM 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.

OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any time
without notice. You agree to surrender Your Card and to discontinue its use immediately
upon Our request.

(PIN)

ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue a Personal
Identification Number
for use with participating Automated Teller Machines
(ATMs). This PIN is confidential and should not be 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 constitutes an electronic fund transfer, the terms
and conditions of Your electronic fund transfer agreement may also affect Your rights.

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 during regular business hours at (800)
488-8328, or after hours, on weekends or holidays at (800) 325-3678, or by writing to Us
at the address shown in this Agreement. In any case, Your liability will not exceed
$50.00.

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 countries and foreign
currencies, the exchange rate between the transaction currency and the billing currency
(U.S. dollars) will be: (a) a rate selected by VISA from the range of rates available in

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Additional Provisions of Agreement

wholesale currency markets for the applicable central processing date, which rate may
vary from the rate VISA itself receives; or (b) the government-mandated rate in effect
for the applicable central processing date. In each instance, You will be charged a fee
in an amount equal to 1.00% of the settlement amount.

TRANSACTION SLIPS. Your monthly statement will identify the merchant, electronic
institution at which transactions were made, but sales, cash
terminal or financial
advances, credit or other slips cannot be returned with the statement.

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards or
Convenience Checks, You will immediately call Us during regular business hours at
(800) 488-8328, or after hours, on weekends or holidays at (800) 325-3678, or by
writing 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 automatically deposit it to Your share account
after 6 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 is scheduled, if You want
to stop payment on the amount You think is wrong.

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) W ithin 30 days of

tell You that W e
received Your letter. W e will also tell You if W e have already corrected
the error.

letter, W e must

receiving Your

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.

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

 We cannot try to collect the amount in question, or report You as 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.

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
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.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

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:

1)

2)

3)

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

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.

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. 2010. All Rights Reserved.

Page 4 of 4

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4455 Arden Drive
P.O. Box 8023
El Monte, CA 91734-2323
(800) 488-8328

PRICING INFORMATION ADDENDUM –
CREDIT LINE ACCOUNT AGREEMENT
AND DISCLOSURE STATEMENT

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA PLATINUM PLUS,
VISA PLATINUM NEW START, VISA PLATINUM PREMIUM AND SHARE SECURED VISA PLATINUM
CREDIT CARDS. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE
IF ANY PARTS ARE UNCLEAR.

Interest Rate and Interest Charges

Annual Percentage Rate (APR)
For Purchases, Balance
Transfers and Cash Advances

VISA Platinum Plus: 8.90%
VISA Platinum Premium: 13.90%

VISA Platinum New Start: 16.90%
Share Secured VISA Platinum: 10.90%

Paying Interest

Fees

Transaction Fees

We will not charge You interest on purchases if You pay Your entire balance owed each
month within 26 days from Your statement closing date. We will begin charging interest
on cash advances and balance transfers on the transaction date.

 Foreign Transaction
 Cash Advance

1.00% of each foreign currency transaction in U.S. dollars.
For VISA Platinum Plus, 2.00% of each advance ($5.00 minimum - $25.00 maximum)

Penalty Fees

 Returned Payment
 Over-the-Credit Limit


Late Payment

Up to $15.00
Up to $29.00
Up to $25.00 after 4 days

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.

FINANCE CHARGES. In the case of any transactions under Your VISA Platinum Plus, VISA Platinum Premium, VISA Platinum New Start, or Share Secured VISA Platinum
Feature Categories, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (new and previous). 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
Daily Periodic Rate times the number of days in the billing cycle.

You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 26 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 such transaction is posted to Your Account.

The Daily Periodic Rate that will apply to Your unpaid VISA Platinum Plus balance will be 0.024384% (corresponding ANNUAL PERCENTAGE RATE 8.90%).

The Daily Periodic Rate that will apply to Your unpaid VISA Platinum Premium balance will be 0.038082% (corresponding ANNUAL PERCENTAGE RATE
13.90%).

The Daily Periodic Rate that will apply to Your unpaid VISA Platinum New Start balance will be 0.046301% (corresponding ANNUAL PERCENTAGE RATE
16.90%).

The Daily Periodic Rate that will apply to Your unpaid Share Secured VISA Platinum balance will be 0.029863% (corresponding ANNUAL PERCENTAGE
RATE 10.90%).

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

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