CREDIT LINE ACCOUNT 
                 
                                      AGREEMENT AND DISCLOSURE 
                          
                 
          19867 Prairie Street  THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING 
          Chatsworth, CA 91311  DISCLOSURE STATEMENTS AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA, MASTERCARD, 
                           STUDENT MASTERCARD, SECURED MASTERCARD, PREMIER PRIVILEGES REWARDS MASTERCARD AND PREMIER 
        (800) 772-4000 (818) 772-4000 
                           FIRST REWARDS MASTERCARD CREDIT CARDS AND OVERDRAFT LINE OF CREDIT AND PREMIER LINE OF CREDIT 
                           PRODUCTS AND ANY OTHER ACCOUNT ACCESS DEVICES. PLEASE READ THIS AGREEMENT CAREFULLY AND NOTIFY 
                           US AT ONCE IF ANY PARTS ARE UNCLEAR. 
     Borrower Name(s)                                       Account Number 
                                                             
                                                             
                                                             
                                                             
                                                            Credit Limit 
    
     Interest Rate and Interest Charges 
                          
     Annual Percentage Rate  Mastercard: ______% introductory APR for ______ months. 
     (APR) For Purchases 
                            After that, Your APR will be ______%. This APR will vary with the market based on 
                            the Prime Rate. 
                          
                         Student Mastercard: ______% introductory APR for ______ months.  
                            After that, Your APR will be ______%. This APR will vary with the market based on 
                            the Prime Rate. 
                          
                         Secured Mastercard: ______%  
                            This APR will vary with the market based on the Prime Rate. 
                          
                         Premier Privileges Rewards Mastercard: ______% introductory APR for ______ months. 
                            After that, Your APR will be ______%.  
                                  
                         Premier First Rewards Mastercard: ______% introductory APR for ______ months. 
                            After that, Your APR will be ______%. This APR will vary with the market based on 
                            the Prime Rate. 
                          
                         VISA: ______%      
                          
      
     Annual Percentage Rate  Mastercard: _______% introductory APR for ______ months. 
     (APR) For Balance 
                            After that, Your APR will be _______%. This APR will vary with the market based on the 
     Transfers 
                            Prime Rate. 
      
                          
                         Student Mastercard: _______% introductory APR for ______ months.  
                            After that, Your APR will be _______%. This APR will vary with the market based on the 
                            Prime Rate. 
                          
                         Secured Mastercard: _______%  
                            This APR will vary with the market based on the Prime Rate. 
                          
                         Premier Privileges Rewards Mastercard: _______% introductory APR for ______ months. 
                            After that, Your APR will be _______%.  
                                  
                         Premier First Rewards Mastercard: _______% introductory APR for ______ months. 
                            After that, Your APR will be _______%. This APR will vary with the market based on the 
                            Prime Rate. 
                          
                         VISA: _______%      
                                            
                    SEE PAGES 2 AND 3 for more important information about Your Account 
    
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     Interest Rate and Interest Charges (continued) 
                          
     Annual Percentage Rate 
                         Mastercard: _______% introductory APR for ______ months.    
     (APR) For Cash Advance 
                            After that, Your APR will be _______%. This APR will vary with the market based on the 
                            Prime Rate. 
                          
                         Student Mastercard: _______% introductory APR for ______ months.  
                            After that, Your APR will be _______%. This APR will vary with the market based on the 
                            Prime Rate. 
                          
                         Secured Mastercard: _______%  
                            This APR will vary with the market based on the Prime Rate. 
                          
                         Premier Privileges Rewards Mastercard: _______% introductory APR for ______ months. 
                            After that, Your APR will be _______%.  
                                  
                         Premier First Rewards Mastercard: _______% introductory APR for ______ months. 
                            After that, Your APR will be _______%. This APR will vary with the market based on the 
                            Prime Rate. 
                          
                         VISA: _______%      
                          
                         Overdraft Line of Credit: _______%  
                            This APR will vary with the market based on the Prime Rate. 
                          
                         Premier Line of Credit: _______%  
                                       
                            This APR will vary with the market based on the Prime Rate. 
                          
                          
     Penalty APR And When   For Overdraft Line of Credit and Premier Line of Credit: ________% 
     it Applies           
                            This APR may be applied if: 
                            1) You make a late payment. 
                            2) You are otherwise in default. 
                          
                            How Long Will The Penalty APR Apply? If Your APR is increased for this reason, the 
                            Penalty   APR will be applied indefinitely to Your entire balance existing at that time and in  
                            the future. 
                          
     Paying Interest     For Credit Cards, Your due date is at least 25 days after the close of each billing cycle. We will 
                         not charge You any interest on purchases if You pay Your entire balance by the due date each 
                         month. For all Feature Categories We will begin charging interest on balance transfers and cash 
                         advances on the transaction date. 
                          
                          
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a Credit Card, visit 
     the Consumer Financial  the website of the Consumer Financial Protection Bureau at 
     Protection Bureau   http://www.consumerfinance.gov/learnmore. 
                          
                                            
     Fees  
                          
     Transaction Fees     
                          
      ?   Foreign Transaction   For Credit Cards (except Premier Privileges Rewards Mastercard), 1.00% of each transaction 
                         in U.S. dollars. 
      ?   Cash Advance   For Credit Cards, the greater of 3.00% of each transaction or $3.00. 
                          
                                            
                    SEE PAGES 1 AND 3 for more important information about Your Account 
                                            
                                            
                                            
                                            
                                            
                                            
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     Fees (continued) 
                          
     Penalty Fees         
                          
      ?  Late Payment    Except Credit Cards, $15.00  
                         For Credit Cards, up to $15.00  
      ?  Over-the-Credit Limit  Except Credit Cards, $10.00 
                          
       
    How We Will Calculate Your Balance: For all Products (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.  
     
                     SEE PAGES 1 AND 2 for more important information about Your Account 
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
     
    In this Agreement, the references to "We," "Us," "Our," and "Credit Union" mean PREMIER AMERICA CREDIT UNION. The words "You" and "Your" mean each person 
    accepting this Agreement. The words "Card" and "Credit Card" mean any VISA, Mastercard, Student Mastercard, Secured Mastercard, Premier First Rewards Mastercard, or 
    Premier Privileges Rewards Mastercard Credit Card issued to You by Us and any duplicates or renewals. If this is a joint account, read singular pronouns in the plural. 
     
    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, convenience checks, 
    charge slips, credit cards, telephone access, personal computer access, ATMs or other mechanical/electronic means and the like. Regardless of the access means, You 
    promise to pay Us all amounts charged or advanced 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. You may terminate the use of Your Account by an authorized user by preventing 
    the use of any Account access device (such as a Credit Card or PIN) by that user and by notifying Us in writing that any such user is no longer authorized to use Your Account. 
    You understand that all advances are subject to Our prior approval. 
     
    PRODUCTS 
    Your Account has products which may include VISA, Mastercard, Student Mastercard, Secured Mastercard, Premier Privileges Rewards Mastercard, Premier First Rewards 
    Mastercard, Overdraft Line of Credit, and Premier Line of Credit. 
                                            
    
                                 Variable Rate        Daily             Annual 
             Product                                Periodic Rate     Percentage Rate 
                              Index    Margin 
                                                                           
                                                                        
     _____________________________  ____________  ____________  _______________%  _______________% 
                                                                           
                                                                        
                                                                           
                                                                        
                                                    Introductory       Introductory 
             Product                                  Daily             Annual 
                                                    Periodic Rate     Percentage Rate 
                                                                           
                                                                        
     _____________________________                 _______________%  _______________% 
                                                                           
                                                                        
                                                                           
                                                                        
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   TRANSACTIONS/ADVANCES                    cycle. To get the average daily balance, We take the beginning balance of Your 
   Whenever You request a transaction or an advance, We may require You to prove  Account each day, add any new purchases, balance transfers, cash advances, 
   your identity. If You request an advance by telephone, We will deposit the amount  insurance premiums, debit adjustments and any applicable fees, and subtract any 
   requested in Your share savings account or Your checking account (or any other  payments, credits and unpaid Finance Charges or Late Fees. Then, We add up all 
   account as directed by You) and You authorize Us to do this, or We will draw a draft  the daily balances for the billing cycle and divide them by the number of days in the 
   or check made payable to You and mail it to You. When the amount advanced appears  billing cycle which We multiply by the Daily Periodic Rate. These daily Finance 
   on a subsequent statement, that will be conclusive evidence of Your telephone  Charges are then added together and the sum is the amount of Your total new 
   request. Advances for all products (except for Credit Card purchases and except for  Finance Charge due. 
   Credit Card cash advances made at Premier America Credit Union office locations)   
   are subject to a minimum of $100.00.     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, 
   SECURITY                                 the new balance of purchases, and subsequent purchases from the date they are 
   As permitted by law, to secure all transactions under this Agreement in either joint or  posted to Your Account, will be subject to a Finance Charge. Balance transfers and 
   individual Accounts, We have the right to impress and enforce a statutory lien against  cash advances are always subject to a Finance Charge from the date they are posted 
   Your  shares  on  deposit  with  Us  (other  than  those  deposits  established  under  a  to Your Account. 
   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  Your Mastercard is subject to a discounted introductory Daily Periodic Rate as set 
   balance on Your Account and We may enforce Our right to do so without further notice  forth herein for the initial six-month period. Upon the expiration of the introductory 
   to You. Additionally, You agree that We may set off any mutual indebtedness.  rate period, Your Daily Periodic Rate will increase to the non-introductory Daily 
                                            Periodic Rate (corresponding to the non-introductory Annual Percentage Rate) as 
   OTHER SECURITY/CROSS COLLATERAL          also set forth herein. 
   Collateral (other than household goods or any dwelling) given as security for any other   
   loan You may have with Us both now and in the future will, in addition to securing all  Your Student Mastercard is subject to a discounted introductory Daily Periodic Rate 
   presently existing debts and liabilities You owe to Us, secure all future advances We  as  set  forth  herein  for  the  initial  six-month  period.  Upon  the  expiration  of  the 
   make to You or for Your Account, including advances for reasonable attorneys' fees,  introductory rate period, Your Daily Periodic Rate will increase to the non- introductory 
   court costs and/or collection agency fees and costs incurred in the collection of all  Daily Periodic Rate (corresponding to the non-introductory Annual Percentage Rate) 
   indebtedness. Such Collateral shall include any and all accessions, related insurance  as also set forth herein. 
   proceeds or insurance premium refunds.    
                                            Your Secured Mastercard is subject to a Daily Periodic Rate, corresponding to an 
   ACCOUNT RESTRICTIONS                     Annual Percentage Rate, as set forth herein. 
   In  order  to  receive  and  maintain  a  Share  Secured  product  (such  as  Secured   
   Mastercard), You agree to give Us a specific pledge of shares which will be equal to  Your Premier Privileges Rewards Mastercard is subject to a discounted introductory 
   110% of Your approved Credit Limit. In the event that You default on Your Account,  Daily Periodic Rate as set forth herein for the initial six-month period. Upon the 
   We may apply these shares toward the repayment of any amount owed on Your Share  expiration of the introductory rate period, Your Daily Periodic Rate will increase to the 
   Secured product. You may cancel Your Share Secured product at any time by paying  non-introductory Daily Periodic Rate (corresponding to the non-introductory Annual 
   any amounts owed on Your specific Share Secured product and returning any access  Percentage Rate) as also set forth herein. 
   devices. To be certain that Your entire balance and all advances on Your Account are   
   paid, any shares pledged may not be available for 30 days after You have cancelled  Your Premier First Rewards Mastercard is subject to a discounted introductory Daily 
   any such account product.                Periodic Rate as set forth herein for the initial six-month period. Upon the expiration 
                                            of the introductory rate period, Your Daily Periodic Rate will increase to the non-
   LINE OF CREDIT LIMIT                     introductory  Daily  Periodic  Rate  (corresponding  to  the  non-introductory  Annual 
   You will be notified of your specific credit limits which are available under your  Percentage Rate) as also set forth herein. 
   Account. Unless you are in default, the credit limits established for you will generally   
   be self-replenishing as you make payments on your Account.    Your VISA is subject to a Daily Periodic Rate, corresponding to an Annual Percentage 
                                            Rate, as set forth herein. 
   You will keep Your unpaid balance within the credit limits set by Us, and You will pay   
   any amount over the credit limits on Our demand whether or not We authorize the  VARIABLE RATE  
   advances which caused You to exceed Your credit limits.   (EXCEPT PREMIER PRIVILEGES REWARDS MASTERCARD AND VISA) 
                                            Except Premier Privileges Rewards Mastercard and VISA, all advances are subject to a 
   For Credit Cards, Your available credit will be reduced by pending transactions that  Variable Rate which is based on the Prime Rate as published in the Money Rates 
   have not yet been posted to Your Account. Such a "hold" on Your available credit might  Section of The Wall Street Journal on the last day of Your previous billing cycle ("Index") 
   remain in effect until the earlier of the date that the transaction actually posts to Your  plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the 
   Account for a corresponding amount or 10 business days. In the event that a transaction  Index will cause changes in the Interest Rate on the first day of the billing cycle following 
   posts for an amount that is different than a pending transaction, Your available credit will  any such change in the Index. Increases or decreases in the Interest Rate will cause like 
   still be reduced by an amount that corresponds to the related pending transaction for up  increases or decreases in the Finance Charge and will affect the number of regularly 
   to 10 business days.                     scheduled payments that You will be required to make. There is no limit on the amount 
                                            by which Your Interest Rate can increase. 
   JOINT ACCOUNTS                            
   Each borrower will be responsible, jointly and severally, for the repayment of any  For Premier First Rewards Mastercard, if You do not incur a late charge during the period 
   amounts owed. If any Account access device, such as a Personal Identification  beginning on the date your Account is opened and ending on the last day of the month 
   Number (PIN), is requested and approved, You understand that any such Account  in which the first anniversary of the opening of Your Account occurs, the Margin that is 
   access device(s) will be mailed only to the primary borrower(s) at the current address  applied to Your Account will be reduced by two percentage points (2.00%) beginning 
   of record at the Credit Union.  We may refuse to follow any instructions which run  with the subsequent billing cycle. For each 12-month period thereafter during which You 
   counter to this provision.               do not incur a late charge, the Margin applicable to Your Account will be reduced by an 
                                            additional two percentage points (2.00%), up to a total reduction in the Margin of eight 
   FINANCE CHARGES (EXCEPT CREDIT CARDS)    percentage points (8.00%). These annual reductions in the Margin will automatically 
   The balances subject to the periodic Finance Charge are the daily ending balances  cease: (a) if you incur a late charge; or (b) when you have earned an eight percentage 
   outstanding for each day during the billing cycle. To get the daily ending balance, We  point (8.00%) reduction in the Margin; whichever occurs first.  In the event you make a 
   take the beginning balance of Your account each day, add any new advances,  late payment and are no longer eligible to earn further reductions in the Margin, any 
   insurance premiums, debit adjustments and any applicable fees, and subtract any  reduction in the Margin you may have previously earned will continue to apply to Your 
   payments, credits and unpaid Finance Charges and late fees. The Finance Charge is  entire balance outstanding at that time and in the future. 
   computed  by  multiplying  the  Daily  Periodic  Rate  by  the  daily  ending  balance   
   outstanding for each day of the billing cycle. The daily Finance Charges are added  VARIABLE RATE (EXCEPT CREDIT CARDS) 
   together and the sum is the amount of Your total new Finance Charge due. There is  Your Account is subject to a Variable Rate which is based on the Prime Rate as 
   no grace period.                         published in the Money Rates Section of The Wall Street Journal on the last day of 
                                            Your previous billing cycle ("Index") plus Our Margin. The Index plus the Margin 
   CREDIT CARD FINANCE CHARGES              equals the Interest Rate. Changes in the Index will cause changes in the Interest 
   The balances subject to the periodic Finance Charge are the average daily balances  Rate on the first day of the billing cycle following any such change in the Index. 
   outstanding during the billing cycle. The Finance Charge for a billing cycle is computed  Increases or decreases in the Interest Rate will cause like increases or decreases 
   by applying the Daily Periodic Rate to the average daily balance during the billing  in the Finance Charge and will affect the number of regularly scheduled payments 
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   that You will be required to make. There is no limit on the amount by which Your  or garnishment should be issued against any of  Your property or rights, specifically 
   Interest Rate can increase.              including anyone starting an action or proceeding to seize any of Your funds on deposit 
                                            with  Us;  and/or  (f) We  should,  in  good  faith,  believe  Your  ability  to  repay  Your 
   LATE CHARGE (EXCEPT CREDIT CARDS)        indebtedness hereunder is or soon will be impaired. 
   If Your payment is 15 or more days past due, You will be charged $15.00.   
                                            If You are in default, We may, without prior notice or demand and to the extent 
   CREDIT CARD LATE CHARGE                  permitted by law, cancel Your rights under this Agreement, declare the entire 
   If Your payment is 15 or more days past due, You will be charged the lesser of: (a)  unpaid balance of Your Account immediately due and payable, set-off any money 
   the amount of the minimum payment due; or (b) $15.00.  owed Us in accordance with the terms of said Agreement and require the return of 
                                            all access devices. 
   OTHER FEES AND CHARGES                    
   You will be charged the following fees and charges associated with the use of Your  If immediate payment is demanded, You will continue to pay Finance Charges at the 
   Account: (a) for Credit Cards, the greater of 3.00% of the transaction or $3.00 for each  applicable Annual Percentage Rate in effect until what You owe has been repaid. 
   cash advance obtained; (b) for Credit Cards, to the extent permitted by applicable law,  Even if Your unpaid balance is less than Your Credit Limit(s), You will have no credit 
   the greater of $250.00 or actual costs incurred by the Credit Union when You elect to  available during any time that any aspect of Your Account is in default. 
   withdraw a charge back and initiate arbitration proceedings; (c) for Credit Cards,   
   $12.00 for each draft copy that You request; and (d) except for Credit Cards, $10.00  PENALTY APR (EXCEPT CREDIT CARDS) 
   whenever You exceed Your Credit Limit by: (i) $500.00; or (ii) an amount that causes  For all products (except Credit Cards), if You are ever 30 or more days past due on 
   Your balance to exceed 120 percent of Your Credit Limit; whichever is less.  any payment and/or Your Account is otherwise in default, the Margin applicable to 
                                            Your entire balance existing at that time and in the future will increase by 10.00%. 
   MONTHLY PAYMENT SCHEDULE                 The increase in the Margin will result in an increase in the Daily Periodic Rate by 
   Though You need only pay the Current Payment due shown on Your monthly  0.027397% (corresponding to an increase in the ANNUAL PERCENTAGE RATE 
   statement, You understand that You have the right to repay Your Account or make  of 10.00%). 
   larger payments on Your Account at any time without penalty. You also understand   
   that You will be charged periodic Finance Charges to the date You repay Your entire  ENFORCEMENT 
   Account balance. Any partial payment or prepayment of Your Account will not delay  We do not lose our rights under this or any related agreement if We delay enforcing 
   Your next scheduled payment. All payments to Us must be in lawful money of the  them. We can accept late payments, partial payments or any other payments, even if 
   United States. Payments will be applied first to collection costs, then to any Finance  they are marked "paid in full" or contain language indicating full satisfaction of the 
   Charges due, then to any Fees and Charges owing, then to the outstanding principal  unpaid  balance  without  losing  any  of  Our  rights  under  this  Agreement.  Any 
   balance. Any unpaid portion of the Finance Charge will be reduced by subsequent  compromise in, or the reduction of, amounts owed under this Agreement must be 
   payments and will not be added to the principal balance. You understand that any  previously agreed to in writing by an authorized employee of the Credit Union. If any 
   delay in the repayment of Your unpaid balance will increase Your periodic Finance  provision of this or any related agreement is determined to be unenforceable or 
   Charges and any acceleration in the repayment of Your unpaid balance will decrease  invalid, all other provisions remain in full force and effect. 
   Your periodic Finance Charges.            
                                            COLLECTION COSTS 
   Your payment is due on the payment due date as disclosed on Your monthly  If You are in default, to the extent permitted by law, You will reimburse us for all costs 
   statement. You may  elect to make your payment by automatic transfer from a  of  collecting  the  amount  You  owe  under  this  Agreement  including  reasonable 
   designated account. If You select this option, You understand and agree that You  attorneys' fees. You agree that We may add any collection costs, including reasonable 
   must maintain sufficient funds on deposit to permit Us to transfer the payment on the  attorneys' fees, to Your Account balance on which Finance Charges will be charged, 
   payment due date.                        subject to the applicable Annual Percentage Rate. 
                                             
   For all products (except Credit Cards), Your payment will be 2.00% of Your new  DEBT CANCELLATION COVERAGE 
   unpaid balance at the end of each billing cycle plus any portion of the payments shown  Debt  cancellation  coverage  ("Loan  Protection  Plan")  is  not  required  for  any 
   on prior statement(s) which remains unpaid, plus any amount that exceeds Your  extension of credit under this Agreement. However, You may purchase any Loan 
   approved credit limit. Your current payment in any event will be subject to the lesser  Protection Plan available through Us and have the fees added to Your outstanding 
   of $20.00 or Your balance.               Account balance. If You elect to do so, You will be given the necessary disclosures 
                                            and documents separately. 
   Credit Card payments will be 3.00% of Your new unpaid balance at the end of each   
   billing cycle plus any portion of any payments shown on prior statement(s) which  INTEGRATED DOCUMENTS 
   remains unpaid, plus any amount that exceeds Your approved credit limit. Your  Any separate sheet of paper labeled "Additional Disclosure - Federal Truth-In-Lending 
   payment in any event will be subject to the lesser of $15.00 or Your balance.  Act," "Truth-In-Savings Disclosure and Agreement" or "Schedule of Fees" which is 
                                            delivered together with this Agreement or separately becomes an integrated part of 
   OVERDRAFT PROTECTION                     this Agreement and Disclosure. 
   You agree that We may transfer funds in multiples of $100.00 (or in such increments as   
   We may from time to time determine) to Your checking account by an advance on the  NOTIFICATION OF ADDRESS CHANGE 
   account product designated on Your Overdraft Protection Application/Sign-Up Card to  You will notify Us promptly in writing if You: (a) move or otherwise have a change of 
   clear any overdraft on Your checking account. In any event, You hold Us harmless for  address; or (b) change Your name. 
   any and all liability which might otherwise arise if the transfer does not occur. Your     
   checking  account  overdraft  protection  automatically  ceases  if  this  Agreement  is  CHANGE IN TERMS 
   cancelled or terminated or Your Account is in default.  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 
   PERIODIC STATEMENTS                      permitted by law, the right to change the terms of this Agreement includes, but is not 
   On a regular basis, You will receive a statement showing all transactions on Your  limited to, the right to change the periodic rate applicable to Your unpaid balance 
   Account including amounts paid and borrowed since Your last statement. We will mail  and/or future advances. 
   You a statement each month in which there have been any transactions on Your   
   Account or there is a debit or credit balance. We need not send You a statement if  UPDATING AND DISCLOSING FINANCIAL INFORMATION 
   We feel Your Account is uncollectible but such action by Us does not relieve You of  You will provide facts to update information contained in Your original application or 
   Your liability to repay any amounts that You owe Us. Each statement is deemed to be  other financial information related to You, at our request. You also agree that We may, 
   a correct statement of account unless You notify Us of a billing error pursuant to the  from  time  to  time,  as  We  deem  necessary,  make  inquiries  pertaining  to  Your 
   Federal Truth-In-Lending Act.            employment, credit standing and financial responsibility in accordance with applicable 
                                            laws and regulations. You further agree that We may give information about the status 
   DEFAULT/CROSS DEFAULT                    and payment history of Your Account to consumer credit reporting agencies, a 
   You will be in default if: (a) You do not make any payment or perform any obligation  prospective employer or insurer, or a state or federal agency having any apparent 
   required under any other agreement that You may have with Us, including but not limited  legitimate business need for such information. 
   to loan agreements, credit line agreements, debt instruments and the like; or (b) You do   
   not make any payment or perform any obligation required under this Agreement; or (c)  You agree to provide Us, upon Our request, with a current financial statement or 
   You should die, become involved in any insolvency, receivership or custodial proceeding  other current credit information that meets Our requirements. You understand and 
   brought by or against You;  or (d) You have made a false or misleading statement in  agree that if We request such information, that We may, at Our sole option, refuse 
   Your credit application and/or in Your representations to us while You owe money on  to make further advances on Your Account until such time as We have received the 
   Your Account; or (e) A judgment or tax lien should be filed against You or any attachment  requested information. If You fail to furnish the requested information in a timely 
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   fashion We may, at Our option, and without further notice to You, declare Your  CONSENT TO AGREEMENT 
   Account to be in default.                You agree to and accept the terms of this Agreement and Disclosure by signing the 
                                            application for Your Account; by signing this Agreement and Disclosure; by using Your 
   TERMINATION                              Account; by using any Account access device; or by using or authorizing another to 
   Either You or We may cancel Your Account at any time, whether or not You are in  use Your Account. 
   default.  In the event We receive a written request for Account termination from You or   
   any party to Your Account, or if We receive inconsistent instructions regarding Account  SPECIFIC TERMS APPLICABLE TO YOUR MASTERCARD, 
   termination from different parties to Your Account, We may, at Our sole option and  STUDENT MASTERCARD, SECURED MASTERCARD, PREMIER 
   without further notice to any other party, terminate Your Account or refuse any right with  PRIVILEGES REWARDS MASTERCARD, PREMIER FIRST 
   respect to Your Account, which may include, but is not limited to, refusing any request  REWARDS MASTERCARD AND VISA CREDIT CARDS 
   for credit or an advance on Your Account.  You will, in any case, remain liable to pay any   
   unpaid balances according to the terms of Your Account.  USE OF YOUR CARD 
                                            You may use Your Card to buy goods and services in any place that the Card is honored 
   ARBITRATION (EXCEPT FOR CREDIT COVERED UNDER THE MLA)  and to get cash advances from participating ATMs. You agree not to use Your Card for 
   This provision does not apply to covered-loans extended to covered borrowers as  illegal transactions including, but not limited to, advances made for the purpose of 
   defined within the Military Lending Act (MLA). If We determine You have met these  gambling and/or wagering where such practices are in violation of applicable state and/or 
   definitions, then We will provide a notice titled "Military Annual Percentage Rate  federal law. Additionally, You agree not to utilize Your Credit Card accounts for the 
   (MAPR) And Payment Obligation Disclosure," in which case the following paragraph  purchase of any goods or services on the Internet that involve gambling of any sort. Such 
   will not apply to You.                   transactions include, but may not be limited to, any quasi-cash or online gambling 
                                            transaction, any electronic commerce transaction conducted over an open network, and 
   If We have determined that You did not meet the above referenced definitions, then  any betting transaction including the purchase of lottery tickets or casino gaming chips 
   said notice will not be furnished, and any controversy or claim arising out of or  or off-track betting or wagering. However, in the event that a charge or transaction 
   relating to any product contained in this Credit Line Account Agreement And  described in this paragraph is approved and processed, You will still be responsible for 
   Disclosure, or the breach thereof, shall be settled by arbitration administered by the  such charges. 
   American Arbitration Association in accordance with its Arbitration Rules, and   
   judgment on the award rendered by the arbitrator(s) may be entered in any court  OWNERSHIP 
   having jurisdiction thereof. All parties hereby waive and give up all rights to a jury  All Account access devices remain Our property and may be cancelled by Us at any 
   trial or class action relief.            time without notice. You agree to surrender such Account access devices and to 
                                            discontinue their use immediately upon Our request.   
   GOVERNING LAW                             
   This Agreement is controlled and governed by the laws of the State of California 
                                             CONSENSUAL LIEN 
   except to the extent that such laws are inconsistent with controlling federal law.  
                                             If You have been issued a Credit Card, You grant and consent to a lien on 
    
                                             Your savings, checking and certificate accounts with Us (except for IRA 
   ELECTRONIC COMMUNICATIONS  
                                             accounts) and any dividends due or to become due to You from Us to the 
   You authorize Us to send You, from time to time, and to the extent permitted by 
                                             extent You owe on Your unpaid Credit Card balance. 
   applicable law, electronic communications regarding the status of any share, share 
   draft, and/or certificate account(s) You maintain with Us. You also authorize Us to send   
   You electronic communications regarding any other accounts You may maintain with  ISSUANCE OF PERSONAL IDENTIFICATION NUMBER 
   Us from time to time including, but not limited to, loan accounts, credit line accounts,  We will issue you a Personal Identification Number (PIN) for use with Your Card in 
   and credit card accounts. These electronic communications are sometimes referred  conjunction with participating Automated Teller Machines (ATMs) and/or any other 
   to as "transactional or relationship messages."  participating programs. 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 
   You authorize Us to contact You using any wireless, cellular, mobile or other telephone  to Your Account balance. In the event a use of Your PIN constitutes an Electronic 
   number You have provided to Us on Your membership application, and at any  Fund Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement 
   wireless, cellular, mobile or other telephone number You may furnish to Us or We  may also affect Your rights. Your use of the PIN is Your authorization to Us to charge 
   obtain for You in the future. To the extent permitted by law, We may contact You using  Your Account to cover such transactions. 
   any electronic means We choose, which may include but is not limited to, voice                  
   messages, text messages and other similar electronic methods of communication. If  PREMIER PRIVILEGES REWARDS MASTERCARD 
   you have furnished Us with any e-mail address(es), you understand and agree that  AND PREMIER FIRST REWARDS MASTERCARD MILEAGE PROGRAM 
   We may send You e-mail messages regarding Your Account(s) with Us from time to  Premier Privileges Rewards Mastercard and Premier First Rewards Mastercard 
   time. If you have executed or subsequently execute any separate Disclosure and  Accounts in good standing will earn Premier Privileges Rewards Points based on 
   Consent to Receive Electronic Documentation or similar form, any communications  signature based purchases made on your Account. The details of the Premier 
   covered by such Disclosure and Consent shall be subject to the terms and conditions  Privileges  Platinum  Awards  feature  of  Your  Premier  Privileges  Rewards 
   set forth in that document.              Mastercard and Premier First Rewards Mastercard Account will be disclosed to 
                                            You separately. 
   You understand that the nature of electronic communications is such that anyone   
   with access to Your wireless, cellular, mobile or other telephonic device or e-mail  REFUSAL TO HONOR CONVENIENCE CHECKS OR CREDIT CARDS 
   may be able to read or listen to such transactional or relationship messages from  We are not liable for the refusal or inability of merchants, financial institutions or others 
   Us, and You agree that any person or party sending or leaving such messages shall  to accept convenience checks or Credit Cards, or electronic terminals to honor 
   have no liability for any consequences resulting from the interception of such  convenience checks or Credit Cards or complete a Card withdrawal, or for their 
   messages by any other party. Without limitation, You also agree that You are  retention of convenience checks or Credit Cards. 
   responsible to pay all costs that You may incur as a result of any contact method   
   We choose including, but not limited to, charges for telecommunications, wireless  OUR RESPONSIBILITY TO HONOR CONVENIENCE CHECKS 
   and/or internet charges.                 We may not accept any convenience check if: (1) by paying a convenience check 
                                            Your Account balance would exceed Your credit limit; (2) Your convenience check or 
    CONSENT TO CONTACT AGREEMENT            payment check is postdated; (3) Your Cards or convenience checks have been 
    You agree that We may, subject to applicable law, initiate telephone calls to any  reported lost or stolen; (4) Your Account has been cancelled or has expired. 
    residential line (wireline service), cellular telephone service, or other wireless service   
    associated  with  Your  Account  through  use  of  pre-recorded  or  artificial  voice  If a postdated convenience check is paid and as a result any other convenience check 
    messages and/or the use of automatic telephone dialing systems, in order for Us to  is returned or not paid, We are not responsible. Any convenience check that is 
    service Your Account, prevent fraud, collect any amounts owed to Us by You, and  returned by Us unpaid will be subject to a returned check fee. 
    otherwise conduct Our business with You. If You furnish Us with one or more cellular   
    telephone numbers in connection with Your Account, You represent You are or will  FOREIGN TRANSACTIONS  
    be the cellular telephone subscriber with respect to each such number, and that  (EXCEPT PREMIER PRIVILEGES REWARDS MASTERCARD) 
    Your consent extends to all such numbers You provide to Us. You understand that  For transactions initiated in foreign countries and foreign currencies, the exchange 
    the telephone calls We may initiate may result in charges to You by any cellular  rate between the transaction currency and the billing currency (U.S. dollars) will be: 
    telephone, internet, or other digital or electronic service to which You subscribe, and  (a) a rate selected by VISA and/or Mastercard, as is applicable, from the range of 
    You understand and agree that You are solely responsible for the payment of any  rates available in wholesale currency markets for the applicable central processing 
    such charges.                           date, which rate may vary from the rate VISA or Mastercard, as is applicable, itself 
                                            receives; or (b) the government-mandated rate in effect for the applicable central 
    
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   processing date. In each instance, You will be charged a fee in an amount equal to  What Will Happen After We Receive Your Letter 
   1.00% of the settlement amount.           
                                            When We receive Your letter, We must do two things: 
   TRANSACTION SLIPS                         
   Your monthly statement will identify the merchant, electronic terminal or financial  1)  Within 30 days of receiving Your letter, We must tell You that We received 
   institution at which transactions were made, but sales, cash advance, credit or other     Your letter. We will also tell You if We have already corrected the error. 
   slips are not returned with the statement.  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. 
   LOST OR STOLEN CREDIT CARDS OR CONVENIENCE CHECKS   
   To report a lost or stolen Card, immediately call (800) 811-2917. To report lost or  While We investigate whether or not there has been an error: 
   stolen convenience checks, contact a Premier America Credit Union information   
   specialist by calling (800) 772-4000 or (818) 772-4000.  ?  We cannot try to collect the amount in question, or report You as delinquent on 
                                               that amount. 
   UNAUTHORIZED USE                         ?  The charge in question may remain on Your statement, and We may continue 
   You may be liable for the unauthorized use of Your Card. You will not be liable for the  to charge You interest on that amount. 
   unauthorized use that occurs after You notify Us orally or in writing at the address or  ?  While You do not have to pay the amount in question, You are responsible                       
   telephone  number  shown  in  this  Agreement,  of  the  loss,  theft,  or  possible  for the remainder of Your balance. 
                                            ?  We can apply any unpaid amount against Your Credit Limit. 
   unauthorized use. In any case, Your liability will not exceed $50.00. 
                                             
    
                                            After We finish Our investigation, one of two things will happen: 
   CREDITS 
                                             
   If a merchant who honors Your Card gives You credit for returns or adjustments, 
                                            ?  If We made a mistake: You will not have to pay the amount in question or                       
   they will do so by generating a credit which will be posted to Your Account. If 
                                               any interest or other fees related to that amount. 
   Your credits and payments exceed what You owe Us, We will hold and apply this 
                                            ?  If We do not believe there was a mistake: You will have to pay the amount in 
   credit against future purchases and cash advances or, if it is $1.00 or more, 
                                               question, along with applicable interest and fees. We will send You a statement of 
   refund it on Your written request or automatically deposit it to Your savings 
                                               the amount You owe and the date payment is due. We may then report You as 
   account after six months. 
                                               delinquent if You do not pay the amount We think You owe. 
    
                                             
   EFFECT OF AGREEMENT 
                                            If You receive Our explanation but still believe Your bill is wrong, You must write to Us 
   Even though the sales, cash advance, credit or other slips You may sign or receive 
                                            within 10 days telling Us that You still refuse to pay. If You do so, We cannot report 
   when using the Card contain terms, this Agreement is the contract which solely 
                                            You as delinquent without also reporting that You are questioning Your bill. We must 
   applies to all transactions involving the Card. 
                                            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 
         Your Billing Rights: Keep this Document for Future Use 
                                            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. 
   This notice tells You about Your rights and Our responsibilities under the Fair 
                                             
   Credit Billing Act. 
                                               Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
    
                                             
         What To Do If You Find A Mistake On Your Statement  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, 
   If You think there is an error on Your statement, for VISA and Mastercard write to  You may have the right not to pay the remaining amount due on the purchase. To use 
   Us at Card Services, P.O. Box 10409, Des Moines, IA 50306. For all other Products,  this right, all of the following must be true: 
   write to Us at Our address shown in this Agreement. In Your letter, give us the   
   following information:                   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 
   ?  Account information: Your name and Account number.    $50.00. (Note: Neither of these are necessary if Your purchase was based on an 
   ?  Dollar amount: The dollar amount of the suspected error.    advertisement We mailed to You, or if We own the company that sold You the 
   ?  Description of problem: If You think there is an error on Your bill, describe                     goods or services.) 
     what You believe is wrong and why You believe it is a mistake.  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 
   You must contact Us:                        account do not qualify. 
                                            3)  You must not yet have fully paid for the purchase. 
   ?  Within 60 days after the error appeared on Your statement.    
   ?  At least three business days before an automated payment is scheduled,  If all of the criteria above are met and You are still dissatisfied with the purchase, 
     if You want to stop payment on the amount You think is wrong.  contact Us in writing at Card Services, P.O. Box 10409, Des Moines, IA 50306.  
                                             
   You must notify Us of any potential errors in writing. You may call Us, but if You do  While We investigate, the same rules apply to the disputed amount as discussed above. 
   We are not required to investigate any potential errors and You may have to pay the  After We finish Our investigation, We will tell You Our decision. At that point, if We think 
   amount in question.                      You owe an amount and You do not pay, We may report You as delinquent. 
    
       
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                                           PRICING INFORMATION ADDENDUM 
            
                                                         CREDIT LINE ACCOUNT 
           19867 Prairie Street 
           Chatsworth, CA 91311                 AGREEMENT AND DISCLOSURE            
         (800) 772-4000 (818) 772-4000 
                              THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA, MASTERCARD, STUDENT 
                              MASTERCARD,  SECURED  MASTERCARD,  PREMIER PRIVILEGES  REWARDS  MASTERCARD,  AND  PREMIER 
                              FIRST REWARDS MASTERCARD CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS ADDENDUM CAREFULLY 
                              AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.  
     Interest Rate and Interest Charges 
                      
     Annual Percentage  Mastercard: 0.00% introductory APR for 6 months. 
                                         
     Rate (APR) For 
                        After that, Your APR will be 10.15% � 17.15% based on Your creditworthiness and 
     Purchases 
                        will vary with the market based on the Prime Rate. 
      
                      
                     Student Mastercard: 0.00% introductory APR for 6 months.  
                        After that, Your APR will be 11.00% and will vary with the market based on the Prime Rate. 
                      
                     Secured Mastercard: 12.15% � 19.15% based on Your creditworthiness. 
                        This APR will vary with the market based on the Prime Rate. 
                      
                     Premier Privileges Rewards Mastercard: 0.00% introductory APR for 6 months. 
                        After that, Your APR will be 7.95% � 17.45% based on Your creditworthiness. 
                              
                     Premier First Rewards Mastercard: 0.00% introductory APR for 6 months. 
                        After that, Your APR will be 19.00% and will vary with the market based on the Prime Rate. 
                      
                     VISA: 15.40%      
                      
      
     Annual Percentage  Mastercard: 0.00% introductory APR for 6 months.    
     Rate (APR) For 
                        After that, Your APR will be 10.15% � 17.15% based on Your creditworthiness and will vary 
     Balance Transfers 
                        with the market based on the Prime Rate. 
      
                       
                     Student Mastercard: 0.00% introductory APR for 6 months.  
                        After that, Your APR will be 11.00% and will vary with the market based on  the Prime Rate. 
                      
                     Secured Mastercard: 12.15% � 19.15% based on Your creditworthiness. 
                        This APR will vary with the market based on the Prime Rate. 
                      
                     Premier Privileges Rewards Mastercard: 0.00% introductory APR for 6 months. 
                        After that, Your APR will be 7.95% � 17.45% based on Your creditworthiness. 
                              
                     Premier First Rewards Mastercard: 0.00% introductory APR for 6 months. 
                        After that, Your APR will be 19.00% and will vary with the market based on the Prime Rate. 
                      
                     VISA: 15.40%      
                      
     Annual Percentage  Mastercard: 0.00% introductory APR for 6 months. 
                                        
     Rate (APR) For Cash 
                        After that, Your APR will be 10.15% � 17.15% based on Your creditworthiness and will vary 
     Advance 
                        with the market based on the Prime Rate. 
      
                       
                     Student Mastercard: 0.00% introductory APR for 6 months.  
                        After that, Your APR will be 11.00% and will vary with the market based on  the Prime Rate. 
                      
                     Secured Mastercard: 12.15% � 19.15% based on Your creditworthiness. 
                        This APR will vary with the market based on the Prime Rate. 
                      
    
                       SEE PAGE 2 for more important information about Your Account 
   Copyright Oak Tree Business Systems, Inc., 2014-2018. All Rights Reserved.  Page 1 of 3                                              OTBS 016A FRB_Web PREM (1/18) 
                                                 Rev. (1/18) 
    
     Interest Rate and Interest Charges (continued) 
     Annual Percentage  Premier Privileges Rewards Mastercard: 0.00% introductory APR for 6 months. 
     Rate (APR) For Cash 
                        After that, Your APR will be 7.95% � 17.45% based on Your creditworthiness. 
     Advance (continued)           
                     Premier First Rewards Mastercard: 0.00% introductory APR for 6 months. 
                        After that, Your APR will be 19.00% and will vary with the market based on the Prime Rate. 
                      
                     VISA: 15.40%      
                      
     Paying Interest  Your due date is at least 25 days after the close of each billing cycle. We will not charge You any 
                     interest on purchases if You pay Your entire balance by the due date each month. For all Feature 
                     Categories We  will  begin  charging  interest  on  balance  transfers  and  cash advances  on  the 
                     transaction date. 
                      
                                            
     Fees  
                      
     Transaction Fees   
                      
     ?   Foreign Transaction   Except Premier Privileges Rewards Mastercard, 1.00% of each transaction in U.S. dollars. 
     ?   Cash Advance  The greater of 3.00% of each transaction or $3.00. 
                      
                      
     Penalty Fees     
                      
     ?   Late Payment  Up to $15.00  
      
       
     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. 
      
     
                       SEE PAGE 1 for more important information about Your Account 
    
    
    
    
    
    
    
    
    
    
   CREDIT CARD FINANCE CHARGES 
   The balances subject to the periodic Finance Charge are the average daily balances outstanding during the billing cycle. The Finance Charge for a billing cycle is computed by 
   applying the Daily Periodic Rate to the average daily balance during the billing cycle. 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 and any applicable fees, and subtract any payments, credits and 
   unpaid Finance Charges or Late Fees. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle which We multiply 
   by the Daily Periodic Rate. These daily Finance Charges are then added together and the sum is the amount of Your total new Finance Charge due. 
    
   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. 
    
   Your Mastercard is subject to a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE of 0.00%) for the initial six-
   month period. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.027808% - 0.046986% (corresponding to an ANNUAL 
   PERCENTAGE RATE of 10.15% - 17.15%), depending on Your creditworthiness. 
    
   Your Student Mastercard is subject to a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE of 0.00%) for the 
   initial six-month period. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.030137% (corresponding to an ANNUAL PERCENTAGE 
   RATE of 11.00%). 
    
   Your Daily Periodic Rate for Secured Mastercard is 0.033288% - 0.052466% (corresponding to an ANNUAL PERCENTAGE RATE of 12.15% - 19.15%), depending on Your 
   creditworthiness. 
    
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                                                 Rev. (1/18) 
   Your Premier Privileges Rewards Mastercard is subject to a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE 
   of 0.00%) for the initial six-month period. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.021781% - 0.047809% (corresponding 
   to an ANNUAL PERCENTAGE RATE of 7.95% - 17.45%), depending on Your creditworthiness. 
    
   Your Premier First Rewards Mastercard is subject to a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE of 
   0.00%) for the initial six-month period. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.052055% (corresponding to an ANNUAL 
   PERCENTAGE RATE of 19.00%). 
    
   Your Daily Periodic Rate for VISA is 0.042192% (corresponding to an ANNUAL PERCENTAGE RATE of 15.40%). 
     
   VARIABLE RATE (EXCEPT PREMIER PRIVILEGES REWARDS MASTERCARD AND VISA) 
   Except Premier Privileges Rewards Mastercard and VISA, all advances are subject to a Variable Rate which is based on the Prime Rate as published in the Money Rates 
   Section of The Wall Street Journal on the last day of Your previous billing cycle ("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 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 regularly scheduled payments that You will be required to make. There is no limit on the amount 
   by which Your Interest Rate can increase. 
    
   For Premier First Rewards Mastercard, if You do not incur a late charge during the period beginning on the date your Account is opened and ending on the last day of the 
   month in which the first anniversary of the opening of Your Account occurs, the Margin that is applied to Your Account will be reduced by two percentage points (2.00%) 
   beginning with the subsequent billing cycle.  For each 12-month period thereafter during which You do not incur a late charge, the Margin applicable to Your Account will be 
   reduced by an additional two percentage points (2.00%), up to a total reduction in the Margin of eight percentage points (8.00%). These annual reductions in the Margin will 
   automatically cease: (a) if you incur a late charge; or (b) when you have earned an eight percentage point (8.00%) reduction in the Margin; whichever occurs first.  In the event 
   you make a late payment and are no longer eligible to earn further reductions in the Margin, any reduction in the Margin you may have previously earned will continue to apply 
   to Your entire balance outstanding at that time and in the future. 
    
   The Margin for Mastercard will range from 6.90 - 13.90 depending on Your creditworthiness. 
    
   The Margin for Student Mastercard is 7.75. 
    
   The Margin for Secured Mastercard will range from 8.90 - 15.90 depending on Your creditworthiness. 
    
   The Margin for Premier First Rewards Mastercard will be 15.75. 
    
    
    
    
    
    
    
    
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