CREDIT LINE ACCOUNT AGREEMENT 
     
                                 AND FEDERAL DISCLOSURE STATEMENT 
     
       4801 Kennedy Avenue 
                             THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL 
       Cincinnati, OH 45209 
                             TRUTH-IN-LENDING DISCLOSURE STATEMENTS, MASTERCARD WORLD, SECURED MASTERCARD 
        (513) 333-3800       WORLD, MASTERCARD PLATINUM AND SECURED MASTERCARD PLATINUM AGREEMENTS, AND 
     
                             ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR MASTERCARD WORLD, SECURED 
     
                             MASTERCARD WORLD, MASTERCARD PLATINUM OR SECURED MASTERCARD PLATINUM CREDIT 
     
                             CARD, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS 
                             AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 
    Interest Rate and Interest Charges 
                               
    Annual Percentage Rate 
                              Mastercard World: ___________% 
    (APR) For Purchase 
                                This APR will vary with the market based on the Prime Rate. 
                              Secured Mastercard World: ___________% 
                                This APR will vary with the market based on the Prime Rate. 
                              Mastercard Platinum: ___________% 
                                This APR will vary with the market based on the Prime Rate. 
                              Secured Mastercard Platinum: ___________% 
                                This APR will vary with the market based on the Prime Rate. 
                               
    APR For Balance Transfers  Mastercard World: ____________% 
                                This APR will vary with the market based on the Prime Rate. 
                              Secured Mastercard World: ____________% 
                                This APR will vary with the market based on the Prime Rate. 
                              Mastercard Platinum: ____________% 
                                This APR will vary with the market based on the Prime Rate. 
                              Secured Mastercard Platinum: ____________% 
                                This APR will vary with the market based on the Prime Rate. 
                               
    APR For Cash Advances     Mastercard World: ____________% 
                                This APR will vary with the market based on the Prime Rate. 
    
                              Secured Mastercard World: ____________% 
                                This APR will vary with the market based on the Prime Rate. 
                              Mastercard Platinum: ____________% 
                                This APR will vary with the market based on the Prime Rate. 
                              Secured Mastercard Platinum: ____________% 
                                This APR will vary with the market based on the Prime Rate. 
                              Ready Cash Account: ____________% 
                              
    Penalty APR And When     18.00% 
                              
    it Applies 
                                This APR may be applied to Your Mastercard Feature Category if: 
                                 1) You make a late payment. 
                              
                                How Long Will The Penalty APR Apply? If Your APRs are increased for this 
                                reason, the Penalty APR applied to transactions that occur after the increase 
                                may be applied indefinitely. For transactions that occurred prior to the effective 
                                date of the increase, the increase will apply indefinitely unless 6 consecutive 
                                payments are received on or before the due date during the six -month period 
                                following such increase. 
                                 
                             _______% 
                              
                                This APR may be applied to Your Ready Cash Account Feature Category if: 
                                 1) You discontinue Automatic Payment. 
                              
                                How Long Will The Penalty APR Apply? If Your APR is increased for this reason 
                                the Penalty Rate may be applied indefinitely. 
   Copyright Oak Tree Business Systems, Inc., 2019-2021. All Rights Reserved.  Page 1 of 5   OTBS 016 CICU (12/21)  
    Interest Rate and Interest Charges (Continued) 
                               
    Paying Interest           For Mastercard, We will not charge You interest on purchases if You pay Your entire 
                              balance owed each month within 25 days of Your statement closing date. For all 
                              Feature Categories, We will begin charging interest on balance transfers and cash 
                              advances on the transaction date. 
                               
                               
    For Credit Card Tips from the  To learn more about factors to consider when applying for or using a Credit 
    Consumer Financial Protection  Card, visit the website of the Consumer Financial Protection Bureau at 
    Bureau                    http://www.consumerfinance.gov/learnmore. 
                               
                               
    Minimum Interest Charge   For Mastercard, if You are charged interest, the charge will be no less than $0.50.  
                               
    
    Fees  
    Annual Fee                For Mastercard, up to $25.00 
        
    Transaction Fees           
                              
     ?  Cash Advance          For Mastercard, 3.00% of each advance ($10.00 minimum). 
     ?  Overdraft Transfer    For Ready Cash Account, $5.00 
     ?  Foreign Transaction   For Mastercard, 1.00% of each foreign currency transaction in U.S. Dollars. 
                              For Mastercard, 1.00% of each U.S. Dollar transaction that occurs in a foreign country. 
    Penalty Fees              
                               
     ?  Over-The-Credit-Limit  For Mastercard, up to $33.00 
     ?  Late Payment          For Mastercard, up to $33.00 
                              For Ready Cash Account, $33.00 
     ?  Returned Payment      For Mastercard, up to $33.00 
                              For Ready Cash Account, $33.00 
                               
    
   How We Will Calculate Your Balance:  For Mastercard, We use a method called "average daily balance (including new 
   purchases)." For Ready Cash Account, We use a method called "daily balance." See Your Account Agreement for details.  
    
   Loss of Preferential APR: We may end Your Preferential APR and apply the Penalty Rate if your automatic payment is interrupted. 
    
   Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. 
    
                      SEE PAGE 1 for more important information about Your Account 
                                            
                                            
    
   In this Agreement, the reference to "We," "Us," "Our," and "Credit Union" mean CINFED CREDIT UNION, a community chartered 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 Mastercard 
   World, Secured Mastercard World, Mastercard Platinum or Secured Mastercard 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, debit cards, automated teller machine (ATM) cards, Credit Cards, wire transfers, direct transfers and/or 
   wire transfers to specific payees identified by You, direct transfers to Your savings/checking 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 Ready Cash Account, Mastercard World, Secured Mastercard World, Mastercard Platinum 
   and Secured Mastercard Platinum. 
    
                              Variable Rate         Daily              ANNUAL 
    Feature Category 
                           Index    Margin        Periodic Rate    PERCENTAGE RATE 
                                                                          
    Mastercard World    ____________  ____________  ____________%    ____________% 
                                                                          
    Secured Mastercard World  ____________  ____________  ____________%  ____________% 
                                                                          
    Mastercard Platinum   ____________  ____________  ____________%  ____________% 
                                                                          
    Secured Mastercard Platinum  ____________  ____________  ____________%  ____________% 
                                                                          
    Ready Cash Account                           ____________%       ____________% 
                                                                 
   Copyright Oak Tree Business Systems, Inc., 2019-2021. All Rights Reserved.  Page 2 of 5   OTBS 016 CICU (12/21)  
   ADVANCES. Whenever You request a transaction, We may require You to prove  which remains unpaid, plus any amount that exceeds Your approved Credit Limit. Any 
   Your identity. Advances made on Your Account will be processed according to the  partial payment or prepayment will not delay Your next scheduled payment. 
   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  You may, by separate agreement, authorize Us to charge Your payment directly to 
   draft or check made payable to You and mail it to You. When the amount advanced  Your share or share draft account. 
   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  LATE CHARGE (EXCEPT MASTERCARD). If Your payment is 14 or more days late, 
   periodic statement according to the provision of this Agreement titled "Your Billing  You will be charged $33.00. 
   Rights: Keep this Document for Future Use."    
                                            RETURNED CHECK CHARGE (EXCEPT MASTERCARD). You will be charged 
   SECURITY. As permitted by law, to secure all transactions under this Agreement  $33.00 for any check (or other negotiable instrument used for payment) which is 
   in either joint or individual Accounts, We have the right to impress and enforce a  returned unpaid. 
   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  OVERDRAFT TRANSFER FEE (EXCEPT MASTERCARD). You will be charged a 
   Keogh account), and any dividends due or to become due to You from Us to the  $5.00 fee FINANCE CHARGE for any transfer of funds from Your Ready Cash 
   extent that You owe on any unpaid balance on Your Account and We may enforce  Account to Your share draft account that is a result of an overdraft. 
   Our right to do so without further notice to You. Additionally, You agree that We   
   may set-off any mutual indebtedness.     FINANCE  CHARGES  (EXCEPT  MASTERCARD).  A  Finance  Charge  will  be 
                                            assessed on any unpaid principal balance for each Feature Category of Your Account 
   ACCOUNT  RESTRICTIONS.  In  order  to  receive  and  maintain  a  Secured  for the period such balance is outstanding. Balances change each time advances are 
   Mastercard World or Secured Mastercard Platinum Feature Category, You agree  taken, payments are made or credits given under any Feature Category. The Finance 
   to give Us a specific pledge of shares which will be equal to 110% of Your approved  Charge begins to accrue on the date of each advance and there is no grace period. 
   Credit Limit. In the event that You default on Your Account, We may apply these   
   shares toward the repayment of any amount owed on Your Secured Mastercard  HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT MASTERCARD). For 
   World or Secured Mastercard Platinum Feature Category. You may cancel Your  all Feature Categories (except Mastercard), the Finance Charge is determined by 
   Secured Mastercard World or Secured Mastercard Platinum Feature Category at  multiplying Your unpaid balance at the close of each day in the billing cycle being 
   any time by paying any amounts owed on such Feature Category. To be certain  accounted for by the applicable Daily Periodic Rate. The unpaid balance is the 
   that Your entire balance and all advances on Your Account are paid, any shares  balance each day after payments, credits, and unpaid Finance Charges to that 
   pledged may not be available to You for 30 days after You have cancelled and any  balance have been subtracted and any new advances, insurance premiums or other 
   outstanding balance is paid in full.     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 
    CONSENSUAL LIEN ON SHARES. If You have been issued a Credit Card,  for the Feature Category being accounted for. The total Finance Charge You owe 
    debit card or ATM card, You grant and consent to a lien on Your shares with  on Your Account for each billing cycle is the sum of all the Finance Charges due 
    Us (except for IRA and Keogh accounts) and any dividends due or to  for all applicable Feature Categories. 
    become due to You from Us to the extent You owe on any unpaid Credit   
    Card balance and/or Ready Cash Account balance created through the use  MASTERCARD FINANCE CHARGES. In the case of any transactions under Your 
    of Your debit card or ATM card.         Mastercard World, Secured Mastercard World, Mastercard Platinum and Secured 
                                            Mastercard Platinum Feature Categories, the balances subject to the periodic Finance 
   OTHER SECURITY. Collateral (other than household goods or any dwelling) given as  Charge are the average daily transactions balances outstanding during the month 
   security under this Agreement or for any other loan You may have with Us will secure  (including new transactions).  
   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.  To get the average daily balance for purchases, We take the beginning balance for 
                                            purchases each day, add any new purchases, debit adjustments or other charges and 
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each  subtract any payments credited to purchases, credits and unpaid Finance Charges. 
   Feature Category for which You are approved. Unless You are in default, any Credit  This gives Us the daily balance for purchases. Then, We add up all the daily balances 
   Limits established for You will generally be self-replenishing as You make payments.  for purchases for the billing cycle being accounted for and divide them by the number 
   You will keep Your unpaid balance within Your Credit Limit set by Us, and You will  of days in the billing cycle. The Finance Charge for purchases for each billing cycle is 
   pay any amount over Your Credit Limit on Our demand whether or not We authorize  computed by multiplying the average daily balance for purchases that is subject to a 
   the advances which caused You to exceed Your Credit Limit. Even if Your unpaid  Finance Charge by the Daily Periodic Rate times the number of days in the billing 
   balance is less than Your Credit Limit, You will have no credit available during any  cycle. You can avoid Finance Charges on purchases by paying the full amount of the 
   time that any aspect of Your Account is in default.  entire balance owed within 25 days of Your statement closing date. Otherwise, the 
                                            new balance of purchases, and subsequent purchases from the date they are posted 
   JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the  to Your Account, will be subject to a Finance Charge.  
   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  To get the average daily balance for balance transfers, We take the beginning balance 
   Account access device(s) will be mailed only to the primary Borrower at the address  for balance transfers each day, add any new balance transfers, debit adjustments or 
   that We have on file for You. We may refuse to follow any instructions which run  other charges and subtract any payments credited to balance transfers, credits and 
   counter to this provision.               unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, 
                                            We add up all the daily balances for balance transfers for the billing cycle being 
   MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only  accounted for and divide them by the number of days in the billing cycle. The Finance 
   pay the Minimum Monthly Payments, You understand that You have the right to repay  Charge for balance transfers for each billing cycle is computed by multiplying the 
   at any time without penalty. You also understand that You will only be charged periodic  average daily balance for balance transfers that is subject to a Finance Charge by the 
   Finance Charges to the date You repay Your entire balance. You may make larger  Daily Periodic Rate times the number of days in the billing cycle. Balance transfers 
   payments without penalty. Any unpaid portion of the Finance Charge will be paid by  are always subject to a Finance Charge from the later of the date they are posted to 
   subsequent payments and will not be added to Your principal balance. You understand  Your Account or from the first day of the billing cycle in which the balance transfer is 
   that any delay in the repayment of Your unpaid balance will increase Your periodic  posted to Your Account. 
   Finance Charges and any acceleration in the repayment of Your unpaid balance will   
   decrease Your periodic Finance Charges. We may apply each payment to whichever  To get the average daily balance for cash advances, We take the beginning balance 
   Feature Category We wish. For Ready Cash Account, payments will be applied first to  for cash advances each day, add any new cash advances, debit adjustments or 
   any Late Charges owing, then to the Finance Charge due, then to the outstanding  other charges and subtract any payments credited to cash advances, credits and 
   principal balance. As permitted by law, We may apply Mastercard payments at Our  unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, 
   discretion. All payments to Us must be in lawful money of the United States.  We add up all the daily balances for cash advances for the billing cycle being 
                                            accounted for and divide them by the number of days in the billing cycle. The 
   For Ready Cash Account, Minimum Monthly Payments will be established at the close  Finance Charge for cash advances for each billing cycle is computed by multiplying 
   of each billing cycle at an amount equal to 3.00% of Your then outstanding balance,  the average daily balance for cash advances that is subject to a Finance Charge 
   plus any portion of the Minimum Payments shown on prior statement(s) which remains  by the Daily Periodic Rate times the number of days in the billing cycle. Cash 
   unpaid,  plus  any  amount that  exceeds Your  approved  Credit  Limit. Any  partial  advances are always subject to a Finance Charge from the later of the date they 
   payment or prepayment will not delay Your next scheduled payment.  are posted to Your Account or from the first day of the billing cycle in which the cash 
                                            advance is posted to Your Account. 
   For Mastercard Feature Categories, Minimum Monthly Payments will be established   
   at the close of each billing cycle at an amount equal to 2.00% of Your then outstanding  For any billing cycle in which You are charged interest, the charge will be no less 
   balance, plus any portion of the Minimum Payments shown on prior statement(s)  than $0.50. 
                                             
   Copyright Oak Tree Business Systems, Inc., 2019-2021. All Rights Reserved.  Page 3 of 5   OTBS 016 CICU (12/21)  
   MASTERCARD VARIABLE RATE. All advances are subject to a Variable Rate which  The Credit Union will notify You of the loss of the Preferential APR and the resulting 
   is based on the highest Prime Rate as published in the Money Rates section of the  increase in the APR applicable to the Ready Cash Account, as required by applicable law. 
   Wall Street Journal in effect on the last day of each calendar month ("Index") plus Our  The notice will be sent to You at the address We have for You in the Credit Union records. 
   Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will   
   cause changes in the Interest Rate on the 1st day of the calendar month that  MASTERCARD PENALTY RATE. If Your Mastercard World, Secured Mastercard 
   immediately follows a change in the Index. Increases or decreases in the Interest Rate  World, Mastercard Platinum, or Secured Mastercard Platinum Feature Category is 
   will cause like increases or decreases in the Finance Charge and will affect the  more than 60 days past due, subject to applicable law, the periodic rate applicable to 
   number of Your regularly scheduled payments. Your Interest Rate will never be  Your entire balance of transactions existing at that time and in the future will increase 
   greater than 18.00%, and will apply to Your remaining principal balance.  to a fixed Daily Periodic Rate of 0.049315% (corresponding ANNUAL PERCENTAGE 
                                            RATE 18.00%). During the six month period following such increase, if We receive 
     AUTOMATIC PAYMENT PREFERENTIAL APR. The Annual Percentage Rate  the first six consecutive required minimum periodic payments when due, the rate 
   (APR) described in this Agreement is reduced based on Your electing and maintaining  applicable to the balance of transactions that occurred prior to such increase will be 
   the eligibility requirements established by the Credit Union for automatic payment  returned to the standard variable rate that would have otherwise been in effect. 
   preferential rates ("Automatic Payment Preferential APR"). You understand and agree   
   that You are receiving this additional reduction at this time, because You are electing  COLLECTION COSTS. In the event collection efforts are required to obtain payment 
   to maintain automatic payment on Your Account. You further understand and agree  on this Account, to the extent permitted by law, You agree to pay all court costs, 
   that such Automatic Payment Preferential APR is conditioned upon Your maintaining  private process server fees, investigation fees or other costs incurred in collection and 
   eligibility under Our policy, and may be terminated for cause at any time for the  reasonable attorneys� fees incurred in the course of collecting any amounts owed 
   reasons set forth in Our policy and in this Agreement, including but not limited to Your  under this Agreement or in the recovery of any Collateral. 
   cancellation of the automatic payment on Your Account. The Automatic Payment   
   Preferential APR is ___________________________________________________  ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   percentage  points  (______%)  lower  than Our  standard  APR  available  to those  We delay enforcing them. We can accept late payments, partial payments or any other 
   persons not electing to maintain automatic payment on Your Account.  payments, even if they are marked "paid in full" without losing any of Our rights under 
                                            this Agreement. If any provision of this or any related agreement is determined to be 
   OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in  unenforceable or invalid, all other provisions remain in full force and effect. 
   such other amounts as We may from time to time determine) to Your share draft   
   account(s) by an advance on Your Ready Cash Account Feature Category, subject to  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or 
   this provision, to clear any overdraft on Your share draft account(s). Whether or not  otherwise have a change of address. 
   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  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   occur. Overdraft protection automatically ceases if this Agreement is ever cancelled  delivering to You written notice of the changes as prescribed by the Federal Truth-In-
   or terminated or Your Account is in default.  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 
   PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing  applicable to Your unpaid balance and/or future advances. 
   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  INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
   balance or when a Finance Charge is imposed. We need not send You a statement if  Disclosure - Federal Truth-In-Lending Act," and/or "Credit Line Account Advance 
   We feel Your Account is uncollectible or if We have started collection proceedings  Request and Security Agreement," which is delivered together with this Agreement or 
   against You because You defaulted. EACH STATEMENT IS DEEMED TO BE A  at a later date becomes an integrated part of this Agreement and Disclosure. 
   CORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING   
   ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.   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; 
   OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under  or by authorizing another to use Your Account, You agree to and accept its terms. 
   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  UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
   Checks have been reported lost or stolen; (3) Your Account has been cancelled or  to update information contained in Your original Account application or other financial 
   has expired. If a postdated Convenience Check is paid and, as a result, any other  information related to You, at Our request. You also agree that We may, from time to 
   Convenience Check is returned unpaid, We are not responsible for any resulting  time, as We deem necessary, make inquiries pertaining to Your employment, credit 
   loss or liability.                       standing  and  financial  responsibility  in  accordance  with  applicable  laws  and 
                                            regulations. You further agree that We may give information about the status and 
   DEFAULT. You will be in default if: (a) You do not make any payment or perform any  payment history of Your Account to consumer credit reporting agencies, a prospective 
   obligation under this Agreement, or any other agreement that You may have with Us;  employer or insurer, or a state or federal licensing agency having any apparent 
   or (b) You should die, become involved in any insolvency, receivership or custodial  legitimate business need for such information.  
   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  TERMINATION. Either You or We may cancel Your Account or any particular 
   owe money on Your Account; or (d) a judgment or tax lien should be filed against You  Feature Category of Your Account, at any time, whether or not You are in default. 
   or any attachment or garnishment should be issued against any of Your property or  You will, in any case, remain liable to pay any unpaid balances according to the 
   rights, specifically including anyone starting an action or proceeding to seize any of  terms of Your Account. 
   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  GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
   very essence.                            State of Ohio, except to the extent that such laws are inconsistent with controlling 
                                            federal law. 
   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  SPECIFIC TERMS APPLICABLE TO YOUR 
   entire balance of every Feature Category of Your Account immediately due and  MASTERCARD WORLD, SECURED MASTERCARD 
   payable, without prior notice or demand.       WORLD, MASTERCARD PLATINUM AND SECURED 
                                                    MASTERCARD PLATINUM CREDIT CARDS 
   AUTOMATIC  PAYMENT  PENALTY  RATE  (READY  CASH  ACCOUNT).  You   
   understand and agree that if, at any time, You should become ineligible (as defined in  USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
   Our policy or this Agreement) to receive the Automatic Payment Preferential APR  place that it is honored and to get cash advances at participating financial institutions. 
   under  this  Agreement,  then,  subject  to  applicable  law,  the  Automatic  Payment  You agree not to use Your Card for illegal transactions including, but not limited to, 
   Preferential  Rate  will  be  increased  to  the  standard  APR.  The  Penalty  APR  is  advances made for the purpose of gambling and/or wagering where such practices 
   _______________________________________  percentage  points  (________%)  are in violation of applicable state and/or federal law. 
   higher than the Automatic Payment Preferential APR that would otherwise apply from   
   time to time. If Your Interest Rate is increased to the Penalty APR, that Interest Rate  OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
   will remain in effect indefinitely and will apply to the outstanding balance(s) of Your  time without notice. You agree to surrender Your Card and to discontinue its use 
   Account existing at that time and in the future.  immediately upon Our request. 
                                             
   The Penalty APR under this Account is equal to the APR in effect from time to time  ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your 
   for Our standard Ready Cash Account (that is, it is equal to the Standard APR). The  request, a Personal Identification Number (PIN) for use with participating ATMs. This 
   Penalty APR will never be greater than the Standard APR that would otherwise have  PIN is confidential and should not be disclosed to anyone. You may use Your PIN to 
   applied had You not received the Preferential APR.  access Your Account and all sums advanced will be added to Your Account balance. 
    
   Copyright Oak Tree Business Systems, Inc., 2019-2021. All Rights Reserved.  Page 4 of 5   OTBS 016 CICU (12/21)  
   In the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and  What To Do If You Find A Mistake On Your Statement 
   conditions of Your Electronic Fund Transfer Agreement may also affect Your rights.    
                                            If You think there is an error on Your statement, write to Us at 4801 Kennedy Avenue, 
   EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other  Cincinnati, OH 45209. In Your letter, give Us the following information: 
   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.  ?  Account information: Your name and Account number. 
                                            ?  Dollar amount: The dollar amount of the suspected error. 
   UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.  ?  Description of problem: If You think there is an error on Your bill, describe what 
   You will not be liable for the unauthorized use that occurs after You notify Us of the  You believe is wrong and why You believe it is a mistake. 
   loss, theft, or possible unauthorized use by calling Us during regular business hours   
   at (800) 449-7728. You may also write to Us at 4801 Kennedy Avenue, Cincinnati,  You must contact Us: 
   OH 45209. In any case, Your liability will not exceed $50.00.   
                                            ?  Within 60 days after the error appeared on Your statement. 
   REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for  ?  At least 3 business days before an automated payment is scheduled, if You want 
   the refusal or inability of merchants, financial institutions and others to accept the  to stop payment on the amount You think is wrong. 
   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.  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 
   TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic  amount in question. 
   terminal or financial institution at which transactions were made, but sales, cash   
   advance, credit or other slips cannot be returned with the statement.  What Will Happen After We Receive Your Letter 
                                             
   LATE CHARGE. If Your payment is 10 or more days late, You will be charged the  When We receive Your letter, We must do two things: 
   lesser of: (a) $30.00 (this amount will be $33.00 if You have incurred a late charge  1)  Within 30 days of receiving Your letter, We must tell You that We received Your 
   within 6 months of previously incurring a late charge); or (b) the amount of the required  letter. We will also tell You if We have already corrected the error. 
   minimum payment.                         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. 
   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  While We investigate whether or not there has been an error: 
   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  ?  We cannot try to collect the amount in question, or report You as delinquent on 
   exceed Your Credit Limit. The fee will be an amount equal to the lesser of: (a) $33.00;  that amount. 
   or (b) the amount by which You have exceeded Your Credit Limit.  ?  The charge in question may remain on Your statement, and We may continue 
                                               to charge You interest on that amount. 
   FOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the  ?  While You do not have to pay the amount in question, You are responsible for 
   exchange rate between the transaction currency and the billing currency (U.S. dollars)  the remainder of Your balance. 
   will be: (a) a rate selected by Mastercard from the range of rates available in wholesale  ?  We can apply any unpaid amount against Your Credit Limit. 
   currency markets for the applicable central processing date, which rate may vary from   
   the rate Mastercard itself receives; or (b) the government-mandated rate in effect for  After We finish Our investigation, one of two things will happen: 
   the applicable central processing date. In each instance You will be charged a fee in   
   an amount equal to 1.00% of the final settlement amount.  ?  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. 
   ANNUAL CARDHOLDER FEE. If Your credit score is less than 650 (based on  ?  If We do not believe there was a mistake: You will have to pay the amount in 
   the consumer reporting agency of Our choosing), You will be charged a non- question, along with applicable interest and fees. We will send You a statement 
   refundable,  annual  Cardholder  fee  of  $25.00  for  Your  participation  in  the  of the amount You owe and the date payment is due. We may then report You 
   Mastercard Program. You will be charged this annual fee on the last day of the  as delinquent if You do not pay the amount We think You owe. 
   billing  cycle  that  includes  the  one-year  anniversary  of  the  opening  of  Your   
   Account, and on the last day of the billing cycle that includes the Account -opening  If You receive Our explanation but still believe Your bill is wrong, You must write to Us 
   anniversary each year thereafter. You agree to pay such a fee whether or not  within 10 days telling Us that You still refuse to pay. If You do so, We cannot report 
   You use the Account at any time during the year. Payment of this fee does not  You as delinquent without also reporting that You are questioning Your bill. We must 
   guarantee that Your Account will not be terminated. We may, at Our sole and  tell You the name of anyone to whom We reported You as delinquent, and We must 
   exclusive option, waive such fee without forfeiting Our right to assess such fee  let those organizations know when the matter has been settled between Us. If We do 
   in the future.                           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. 
   OTHER FEES AND CHARGES. You will be charged the following other fees and   
   charges associated with Your Card: (a) a cash advance fee FINANCE CHARGE in an  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
   amount equal to the greater of $10.00 or 3.00% of each such cash advance; (b)   
   $10.00 for each replacement Card You request; (c) $30.00 each time You request  If You are dissatisfied with the goods or services that You have purchased with Your 
   that a Card or PIN be delivered to You on an expedited basis; (d) the lesser of $33.00  Credit Card, and You have tried in good faith to correct the problem with the merchant, 
   or the required minimum payment amount for the returned payment for any check (or  You may have the right not to pay the remaining amount due on the purchase. To use 
   other negotiable instrument) that is returned unpaid; and (e) $2.00 for each statement  this right, all of the following must be true: 
   copy You request.                         
                                            1)  The purchase must have been made in Your home state or within 100 miles of 
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards  Your current mailing address, and the purchase price must have been more than 
   You must notify Us during regular business hours at (800) 449-7728, or write to Us at  $50.00. (Note: Neither of these are necessary if Your purchase was based on 
   4801 Kennedy Avenue, Cincinnati, OH 45209.  an advertisement We mailed to You, or if We own the company that sold You 
                                               the goods or services.) 
   CREDITS. If a merchant who honors Your Card gives You credit for returns or  2)  You must have used Your Credit Card for the purchase. Purchases made with 
   adjustments, they will do so by sending Us a credit which will be posted to Your  cash advances from an ATM or with a check that accesses Your Credit Card 
   Account. If Your credits and payments exceed what You owe Us, We will hold and  account do not qualify. 
   apply this credit against future purchases and cash advances, or if it is $1.00 or more  3)  You must not yet have fully paid for the purchase.  
   refund it on Your written request or automatically deposit it to Your share account after   
   6 months.                                If all of the criteria above are met and You are still dissatisfied with the purchase, 
                                            contact Us in writing at 4801 Kennedy Avenue, Cincinnati, OH 45209.  
              Your Billing Rights: Keep this Document for Future Use   
                                            While We investigate, the same rules apply to the disputed amount as discussed 
   This notice tells You about Your rights and Our responsibilities under the Fair  above. After We finish Our investigation, We will tell You Our decision. At that point, 
   Credit Billing Act.                      if We think You owe an amount and You do not pay, We may report You as delinquent.
    
    
    
                                  Cinfed Mastercard �  Guide to Benefits 
   See Guide to Benefits for complete coverage terms and conditions. The Guide to Benefits is available to view and/or download at: cinfed.com/mastercardguidetobenefits. For additional 
   assistance call 1-800-Mastercard. 
   Copyright Oak Tree Business Systems, Inc., 2019-2021. All Rights Reserved.  Page 5 of 5   OTBS 016 CICU (12/21)