KEMBA CREDIT UNION, INC.
P. O. BOX 14090
CINCINNATI, OH 45250
(800) 825-3622
FAX (513) 762-1619
(513) 762-5070

CREDIT CARD AGREEMENT
AND FEDERAL DISCLOSURE STATEMENT

THIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES NECESSARY FEDERAL
TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA PLATINUM AGREEMENTS, AND ANY
SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA PLATINUM CREDIT CARD
AND/OR OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS
AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Interest Rate and Interest Charges

Annual Percentage Rate (APR)
For Purchases

_______% Introductory APR for ______ months.

After that, Your APR will be _______%.

Annual Percentage Rate (APR)
For Balance Transfers

_______% Introductory APR for ______ months.

After that, Your APR will be _______%.

Annual Percentage Rate (APR)
For Cash Advances

_______% Introductory APR for ______ months.

After that, Your APR will be _______%.

Paying Interest

We will not charge You interest on purchases if You pay Your entire balance owed each
month within 25 days of Your statement closing date. We will begin charging interest on
cash advances and balance transfers on the transaction date.

For Credit Card Tips from
the Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a Credit Card,
visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Transaction Fees
.
.
.

Foreign Transaction
Balance Transfer
Cash Advance

Penalty Fees
.
.

Returned Payment
Late Payment

1.00% of each transaction in U.S. dollars.
2.00% of each transfer ($2.00 minimum - $50.00 maximum).
2.00% of each advance ($2.00 minimum - $50.00 maximum).

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your
Account Agreement for details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account
Agreement.

In this Agreement, the reference to "We," "Us," "Our," and "Credit Union" mean KEMBA CREDIT UNION, INC. The words "You" and "Your" mean each person accepting
this Agreement. If this is a joint account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA Platinum Credit Card issued to You by
Us and any duplicates or renewals We may issue. "Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time.

Type of Credit Card

VISA Platinum

Current
Daily Periodic
Rate

__________%

Current
Annual Percentage
Rate

__________%

Copyright Oak Tree Business Systems, Inc., 2016. All Rights Reserved.

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You understand the following terms constitute the Agreement:

PROMISE TO PAY. Your Account may be accessible through a variety of
means which could include advance request forms, vouchers, checks, charge
slips, Credit Cards, Convenience Checks, and the like. Regardless of the access
means, You promise to pay Us all amounts charged to Your Account by You or
by any user who has access to Your Account, with actual, apparent, or implied
authority for use of Your Account, including Finance Charges and other fees or
charges described herein.

JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for
the repayment of amounts owed. You understand that any Card which is
requested and approved, will be mailed only to the primary Borrower at the
address that We have on file for You. We may refuse to follow any instructions
which run counter to this provision.

OWNERSHIP. All access devices remain Our property and may be cancelled by
Us at any time without notice. You agree to surrender any such access device
and to discontinue its use immediately upon Our request.

USE OF YOUR CARD. You may use Your Card to buy goods and services in
any place that it is honored and to get cash advances from Us or another
financial institution. If You are issued a cash advance draft, it will be imprinted
with Your Card and You will receive a copy of the draft. You agree not to use
Your Card for illegal transactions including, but not limited to, advances made for
the purpose of gambling and/or wagering where such practices are in violation of
applicable state and/or federal law.

ISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue You a
Personal
Identification Number (PIN) for use with Your Card. This PIN is
confidential and should not be disclosed to anyone. You may use Your PIN and
Your Card to access Your Account and all sums advanced will be added to Your
Account balance. In the event a use of Your PIN constitutes an Electronic Fund
Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement
may affect Your rights.

CREDIT LIMITS. You will be notified of Your specific Credit Limit for transactions
made under Your Account. Unless You are in default, Your Credit Limit will be
self-replenishing as You make payments on Your Account. You will keep Your
unpaid balance within Your Credit Limit, and You will pay any amount over Your
Credit Limit on Our demand whether or not We authorize the advance which
caused You to exceed Your Credit Limit. Even if Your unpaid balance is less
than Your Credit Limit, You will have no credit available during any time that any
aspect of Your Account is in default.

FINANCE CHARGES. In the case of any transactions on Your Account, the
balances subject
to the periodic Finance Charge are the average daily
transactions balances outstanding during the month (including new transactions).
To get the average daily balance, We take the beginning balance of Your Account
each day, add any new purchases, balance transfers, cash advances, insurance
premiums, debit adjustments, or other charges and subtract any payments,
credits, and unpaid Finance Charges or Late Charges. This gives Us the daily
balance. Then, We add up all the daily balances for the billing cycle and divide
them by the number of days in the billing cycle. The Finance Charge for a billing
cycle is computed by multiplying the average daily balance subject to a Finance
Charge by the Daily Periodic Rate times the number of days in the billing cycle.

You can avoid Finance Charges on purchases by paying the full amount of the
entire balance owed each month within 25 days of Your statement closing date.
Otherwise, the new balance of purchases, and subsequent purchases from the
date they are posted to Your Account, will be subject to a Finance Charge. Cash
advances and balance transfers are always subject to a Finance Charge from
the date they are posted to Your Account.

Purchase, balance transfer, and cash advance transactions will accrue finance
charges at a discounted introductory Daily Periodic Rate of ____________%
(corresponding to an ANNUAL PERCENTAGE RATE of _____________%) for
the _____ month period immediately following the date You establish such Card.
Upon the expiration of the introductory rate period, the Daily Periodic Rate
applicable to the entire balance of purchases and balance transfers will
immediately increase to the non-introductory rate described elsewhere in
this Agreement.

MINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum
Monthly Payments, You understand that You have the right
to repay Your
Account or make larger payments at any time without penalty. You will only be
charged periodic Finance Charges to the date You repay Your entire Account
balance. Any partial payment or prepayment of Your Account will not delay Your
next scheduled payment. All payments to Us must be in lawful money of the
United States.

Payments will be applied in the following order: (a) any Fees and Charges
owing; (b) any Finance Charges due; (c) the balance for cash advances; (d) the
balance for balance transfers; and then to (e) the balance for purchases.

Any unpaid portion of any Finance Charges and Late Charges will be paid by
subsequent payments and will not be added to the principal. You understand
that any payment that delays the repayment of Your unpaid balance will increase
Your Finance Charge and any payment that accelerates the reduction of Your
unpaid balance will decrease Your Finance Charges.

Minimum Monthly Payments for advances on Your Account will be an amount
equal to 2.00% of Your balance at the end of each billing cycle, subject to the
lesser of $10.00 or Your Account balance, plus any portion of the Minimum
Payments shown on prior statement(s) which remains unpaid, plus any amount
that exceeds Your approved Credit Limit

CONSENSUAL LIEN ON SHARES. As permitted by law, You grant and consent
to a lien on Your shares or other deposit accounts with Us (other than those
deposits established under a governmental-approved tax deferral plan such as
an IRA or Keogh account) and any dividends due or to become due to You from
Us to the extent You owe on any unpaid Credit Card balance.

OTHER SECURITY. Collateral (other than household goods or any dwelling)
given as security under this Agreement or for any other loan You may have with
Us will secure all amounts You owe Us now and in the future if that status is
reflected in the "Truth-in-Lending Disclosure"
in any particular Agreement
evidencing such debt.

PERIODIC STATEMENT. On a regular basis, You will receive a statement
showing all transactions on Your Account including amounts paid and borrowed
since Your last statement. We will mail You a statement each billing cycle in
which there is a debit or credit balance or when a Finance Charge is imposed.
We need not send You a statement if We feel Your Account is uncollectible or if
We have started collection proceedings against You because You defaulted.
Each statement is deemed to be a correct statement of account unless You
establish a billing error pursuant to the Federal Truth-In-Lending Act.

OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are
under no obligation to honor Your Convenience Checks if: (1) by paying a
Convenience Check, You would exceed Your Credit Limit; (2) Your Cards or
Convenience Checks have been reported lost or stolen; (3) Your Account has
been cancelled or has expired; and (4) a Convenience Check is used for
payment on this or any other loan Account with Us. If a postdated Convenience
Check is paid and, as a result, any other Convenience Check is returned unpaid,
We are not responsible for any resulting loss or liability.

TRANSACTION SLIPS. Your periodic statement will
identify the merchant,
electronic terminal, or financial institution at which transactions were made, but
sales, cash advances, credit, or other slips will not be returned with the
statement. You will retain the copy of such slips furnished at the time of the
transaction in order to verify Your monthly statement.

CREDITS. If a merchant who honors Your Card gives You credit for returns or
adjustments, the merchant will do so by sending Us a slip which will be posted to
Your Account. If Your credits and payments exceed what You owe Us, We will
hold and apply this credit against future purchases and cash advances, or if it is
$1.00 or more, refund it on Your written request or automatically deposit it to Your
share account after 6 months.

LATE CHARGE. If Your payment is not received within 55 days of the Statement
Closing Date of the statement for which that payment is due, You will be charged
the lesser of: (a) the amount of the minimum payment due; or (b) $25.00.

OTHER FEES AND CHARGES. You will be charged the following fees and
charges associated with the use of Your Credit Card: (a) the lesser of $25.00 or
the required minimum payment amount for the returned payment for any check
(or other negotiable instrument used for payment) which is returned unpaid; (b)
$5.00 for each sales draft copy You request; (c) a cash advance fee FINANCE
CHARGE in an amount equal to 2.00% of the total amount advanced, subject to a
minimum of $2.00 and a maximum of $50.00; (d) a balance transfer fee
FINANCE CHARGE in an amount equal to 2.00% of the total amount transferred,
subject to a minimum of $2.00 and a maximum of $50.00; and (e) $20.00 for each
Card that You request be delivered on an expedited basis.

DEFAULT. You will be in default if: (a) You do not make any payment or perform
any obligation under this Agreement, or any other agreement that You may have
with Us; or (b) You should die, become involved in any insolvency, receivership,
or custodial proceeding brought by or against You; or (c) You have made a false
or misleading statement in Your credit application and/or in Your representations
to Us while You owe money on Your Account; or (d) A judgment or tax lien
should be filed against You or any attachment, or garnishment should be issued
against any of Your property or rights, specifically including anyone starting an
action or proceeding to seize any of Your funds on deposit with Us and/or (e) We
should, in good faith, believe Your ability to repay Your indebtedness hereunder
is or soon will be impaired, time being of the very essence.

If You are in default, We may, without notice or demand, and to extent permitted
by law, cancel Your rights under this Agreement, declare the entire unpaid
balance immediately due and payable and require the return of all Cards and
other Account Access devices.

COLLECTION COSTS. To the extent permitted by law, You will reimburse Us for
all of Our costs and expenses, including reasonable attorneys' fees incurred in
the course of collecting any amounts owed under this Agreement or for the
recovery of any collateral.

CREDIT INSURANCE. Credit insurance is not required for any extension of
credit under this Agreement. However, You may purchase any credit insurance
available through Us and have the premiums added to the outstanding balance of

Copyright Oak Tree Business Systems, Inc., 2016. All Rights Reserved.

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Your Account. If You elect to do so, You will be given the necessary disclosures
and documents separately. Any credit insurance premiums will be charged to
Your Account as a purchase.

ENFORCEMENT. We do not lose Our rights under this or any related agreement
if We delay enforcing them. We can accept late payments, partial payments, or
any other payments, even if they are marked "paid in full" without losing any of
Our
this or any related
agreement is determined to be unenforceable or invalid, all other provisions
remain in full force and effect.

If any provision of

this Agreement.

rights under

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your
Account. You will not be liable for the unauthorized use that occurs after You
notify Us orally and in writing at the address or telephone number shown in this
Agreement, of the loss, theft, or possible unauthorized use. In any case, Your
liability will not exceed $50.00.

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly in writing
if You move or otherwise have a change of address.

CHANGE IN TERMS. We may change the terms of this Agreement by mailing or
delivering to You written notice of the changes as prescribed by the Federal
Truth-In-Lending Act. To the extent permitted by law, the right to change the
terms of this Agreement includes, but is not limited to, the right to change the
periodic rate applicable to Your unpaid balance and/or future advances.

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not
liable for the refusal or inability of merchants, financial institutions, and others to
accept the Cards or Convenience Checks, or electronic terminals to honor the
Cards or complete a Card withdrawal, or for their retention of the Cards or
Convenience Checks.

LOST CARDS. To report
lost or stolen Credit Cards, You will call Us
immediately at (800) 825-3622 or (513) 762-5070 or, You can write to Us at
P. O. Box 14090, Cincinnati, OH, 45250-0090.

FOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the
exchange rate between the transaction currency and the billing currency (U.S.
dollars) will be: (a) a rate selected by VISA, from the range of rates available in
wholesale currency markets for the applicable central processing date, which
rate may vary from the rate VISA itself receives; or (b) the government-
mandated rate in effect for the applicable central processing date.

For all
settlement amount.

transactions, You will be charged 1.00% calculated on the final

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit, or
other slips You may sign or receive when using the Card contain terms,
this Agreement is the contract which solely applies to all transactions involving
Your Account.

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of
this
Agreement. By signing the Application and Your Credit Card, by using the Card,
by using Your Account, or by authorizing another to use Your Account, You
agree to accept its terms.

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional
Disclosure - Federal Truth-In-Lending Act" which is delivered to You and relates
to this Agreement is an integrated part of this Agreement and Disclosure.

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide
facts to update personal information or other financial information related to You,
at Our request. You also agree that We may, from time to time, as We deem
necessary, make inquiries pertaining to Your employment, credit standing, and
financial responsibility in accordance with applicable laws and regulations. You
further agree that We may give information about the status and payment history
of Your Account to consumer credit reporting agencies, a prospective employer
or insurer, or a state or federal licensing agency having any apparent legitimate
business need for such information.

TERMINATION. Subject to applicable law, either You or We may cancel Your
Account at any time whether or not You are in default. You will,
in any
case, remain liable to pay any unpaid balances according to the terms of
this Agreement.

GOVERNING LAW. This Agreement is controlled and governed by the laws of
the State of Ohio except to the extent that such laws are inconsistent with
controlling federal law.

Your Billing Rights: Keep this Document for Future Use

This notice tells You about Your rights and Our responsibilities under the Fair
Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If You think there is an error on Your statement, write to Us at Our address
shown in this Agreement. In Your letter, give us the following information:
.
.
.

Account information: Your name and Account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If You think there is an error on Your bill, describe
what You believe is wrong and why You believe it is a mistake.

You must contact Us:
.
.

Within 60 days after the error appeared on Your statement.
At least three business days before an automated payment is scheduled, if
You want to stop payment on the amount You think is wrong.

What Will Happen After We Receive Your Letter

You must notify Us of any potential errors in writing. You may call Us, but if You
do We are not required to investigate any potential errors and You may have to
pay the amount in question.

When We receive Your letter, We must do two things:

1) Within 30 days of receiving Your letter, We must tell You that We received

Your letter. We will also tell You if We have already corrected the error.

2) Within 90 days of receiving Your letter, We must either correct the error or

explain to You why We believe the bill is correct.

While We investigate whether or not there has been an error:
.
.
.
.

try to collect
We cannot
delinquent on that amount.
The charge in question may remain on Your statement, and We may
continue to charge You interest on that amount.
While You do not have to pay the amount in question, You are responsible
for the remainder of Your balance.
We can apply any unpaid amount against Your Credit Limit.

in question, or

report You as

the amount

After We finish Our investigation, one of two things will happen:
.
.

If We made a mistake: You will not have to pay the amount in question or
any interest or other fees related to that amount.
If We do not believe there was a mistake: You will have to pay the amount in
question, along with applicable interest and fees. We will send You a
statement of the amount You owe and the date payment is due. We may
then report You as delinquent
if You do not pay the amount We think
You owe.

If You receive Our explanation but still believe Your bill is wrong, You must write
to Us within 10 days telling Us that You still refuse to pay. If You do so, We
cannot report You as delinquent without also reporting that You are questioning
Your bill.

We must tell You the name of anyone to whom we reported You as delinquent,
and We must let those organizations know when the matter has been settled
between Us. If We do not follow all of the rules above, You do not have to pay
the first $50.00 of the amount You question even if Your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If You are dissatisfied with the goods or services that You have purchased with
Your Credit Card, and You have tried in good faith to correct the problem with
the merchant, You may have the right not to pay the remaining amount due on
the purchase. To use this right, all of the following must be true:

1) 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
these are necessary if Your
been more than $50.00. (Note: Neither of
purchase was based on an advertisement We mailed to You, or if We own
the company that sold You the goods or services.)

2) You must have used Your Credit Card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses Your Credit
Card account do not qualify.

3) You must not yet have fully paid for the purchase.

If all of the criteria above are met and You are still dissatisfied with the purchase,
contact Us in writing at Our address shown in this Agreement.

While We investigate, the same rules apply to the disputed amount as discussed
above. After We finish Our investigation, We will tell You Our decision. At that
point, if We think You owe an amount and You do not pay, We may report You
as delinquent.

Copyright Oak Tree Business Systems, Inc., 2016. All Rights Reserved.

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KEMBA CREDIT UNION, INC.
P. O. BOX 14090
CINCINNATI, OH 45250
(800) 825-3622
FAX (513) 762-1619
(513) 762-5070

PRICING INFORMATION ADDENDUM
CREDIT CARD ACCOUNT
AGREEMENT AND DISCLOSURE

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA
PLATINUM CREDIT CARD. 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 Rate (APR)
For Purchases

0.00% Introductory APR for 12 months.
After that, Your APR will be 9.90%.

Annual Percentage Rate (APR)
For Balance Transfers

0.00% Introductory APR for 12 months.
After that, Your APR will be 9.90%.

Annual Percentage Rate (APR)
For Cash Advances

0.00% Introductory APR for 12 months.
After that, Your APR will be 9.90%.

Paying Interest

We will not charge You interest on purchases if You pay Your entire balance owed each
month within 25 days of Your statement closing date. We will begin charging interest on
cash advances and balance transfers on the transaction date.

For Credit Card Tips from
the Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a Credit Card,
visit the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Transaction Fees
.
.
.

Foreign Transaction
Balance Transfer
Cash Advance

Penalty Fees
.
.

Returned Payment
Late Payment

1.00% of each transaction in U.S. dollars.
2.00% of each transfer ($2.00 minimum - $50.00 maximum).
2.00% of each advance ($2.00 minimum - $50.00 maximum).

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your
Account Agreement for details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account
Agreement.

FINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances
outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new
purchases, balance transfers, cash advances, insurance premiums, debit adjustments, or other charges and subtract any payments, credits, and unpaid Finance Charges
or Late Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle.
The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Daily Periodic Rate times the number of
days in the billing cycle.

You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise,
the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash advances and
balance transfers are always subject to a Finance Charge from the date they are posted to Your Account.

Your VISA Platinum Credit Card is subject to a discounted introductory Daily Periodic Rate for purchase, balance transfer, and cash advance transactions. Such
transactions will accrue finance charges at a discounted introductory Daily Periodic Rate of 0.000000% (corresponding to an ANNUAL PERCENTAGE RATE of 0.00%)
for the 12-month period immediately following the date You establish such Card. Upon the expiration of the introductory rate period, the Daily Periodic Rate applicable to
the entire balance of purchases, balance transfers, and cash advances will immediately increase to 0.027123% (corresponding to an ANNUAL PERCENTAGE RATE
of 9.90%).

Copyright Oak Tree Business Systems, Inc., 2016. All Rights Reserved.

OTBS 016A CC VP-INTRO FRB_Web KEMB (6/16)
Rev. (6/16)