CREDIT CARD AGREEMENT
                        KEMBA CREDIT UNION, INC.
                        P. O. BOX 14090 AND FEDERAL DISCLOSURE STATEMENT
                        CINCINNATI, OH 45250 THIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES NECESSARY FEDERAL
                        (800) 825-3622 TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA, SHARE SECURED VISA, VISA
                                      PLATINUM, VISA GOLD, GCFCU VISA, MASTERCARD AND SHARE SECURED MASTERCARD
                        FAX (513) 762-1619
                                      AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA,
                        (513) 762-5070 SHARE SECURED VISA, VISA GOLD, VISA PLATINUM, GCFCU VISA, MASTERCARD AND
                                      SHARE SECURED MASTERCARD CREDIT CARDS 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)
                          VISA:_______%
    For Purchases
                            This APR will vary with the market based on the Prime Rate.
                          VISA Gold:_______%
                            This APR will vary with the market based on the Prime Rate.
                          VISA Platinum: _______%   Share Secured VISA:_______%
                          GCFCU VISA:_______%       Share Secured MasterCard: _______%
                          MasterCard:_______%
    Annual Percentage Rate (APR) VISA: _______%
    For Balance Transfers   This APR will vary with the market based on the Prime Rate.
                          VISA Gold: _______%
                            This APR will vary with the market based on the Prime Rate.
                          VISA Platinum: _______%   Share Secured VISA: _______%
                          GCFCU VISA: _______%      Share Secured MasterCard: _______%
                          MasterCard: _______%
    Annual Percentage Rate (APR) VISA: _______%
    For Cash Advances
                            This APR will vary with the market based on the Prime Rate.
                          VISA Gold: _______%
                            This APR will vary with the market based on the Prime Rate.
                          VISA Platinum: _______%   Share Secured VISA: _______%
                          GCFCU VISA: _______%      Share Secured MasterCard: _______%
                          MasterCard: _______%
    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 To learn more about factors to consider when applying for or using a Credit Card,
    the Consumer Financial visit the website of the Consumer Financial Protection Bureau at
                           http://www.consumerfinance.gov/learnmore.
    Protection Bureau
    Fees
    Annual Fee            For MasterCard, Share Secured MasterCard and Share Secured VISA, $25.00
                    SEE TOP OF PAGE 2 for more important information about Your Account
    Copyright Oak Tree Business Systems, Inc., 2013-2017. All Rights Reserved. Page 1 of 4 OTBS 016CC FRB_Web KEMB (1/17)
                                                                              Rev. (6/16)
    Fees (continued)
    Transaction Fees
     . Foreign Transaction 1.00% of each transaction in U.S. dollars.
     . Balance Transfer   2.00% of each transfer ($2.00 minimum - $50.00 maximum).
     . Cash Advance       2.00% of each advance ($2.00 minimum - $50.00 maximum).
    Penalty Fees
     . Returned Payment   Up to $25.00
     . Late Payment       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.
                       SEE PAGE 1 for more important Information about Your Account
    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, Share Secured VISA, VISA Gold,
    Visa Platinum, GCFCU VISA, MasterCard and/or Share Secured MasterCard 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.
                           Current                      Current       Current
       Type of Credit Card Variable Rate Margin       Daily Periodic Annual Percentage
                          Index Value                    Rate          Rate
                         __________%   __________%    __________%   __________%
     VISA
                         __________%   __________%    __________%   __________%
     VISA Gold
                                                      __________%   __________%
     Share Secured VISA
                                                      __________%   __________%
     VISA Platinum
                                                      __________%   __________%
     GCFCU VISA
                                                      __________%   __________%
     MasterCard
                                                      __________%   __________%
     Share Secured MasterCard
    You understand the following terms constitute the Agreement: 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
    PROMISE TO PAY. Your Account may be accessible through a variety of self-replenishing as You make payments on Your Account. You will keep Your
    means which could include advance request forms, vouchers, checks, charge unpaid balance within Your Credit Limit, and You will pay any amount over Your
    slips, Credit Cards, Convenience Checks and the like. Regardless of the access Credit Limit on Our demand whether or not We authorize the advance which
    means, You promise to pay Us all amounts charged to Your Account by You or caused You to exceed Your Credit Limit. Even if Your unpaid balance is less than
    by any user who has access to Your Account, with actual, apparent or implied Your Credit Limit, You will have no credit available during any time that any
    authority for use of Your Account, including Finance Charges and other fees or aspect of Your Account is in default.
    charges described herein.
                                            ACCOUNT RESTRICTIONS. In order to receive and maintain a Share Secured
    JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for VISA or Share Secured MasterCard, You agree to give Us a specific pledge of
    the repayment of amounts owed. You understand that any Card which is shares which will be equal to 125% of Your Credit Limit. In the event that You
    requested and approved, will be mailed only to the primary Borrower at the default on Your Account, We may apply these shares toward the repayment of
    address that We have on file for You. We may refuse to follow any instructions any amount owed on Your Account.
    which run counter to this provision.
                                            FINANCE CHARGES. In the case of any transactions on Your Account, the
                                            balances subject to the periodic Finance Charge are the average daily transactions
    OWNERSHIP. All access devices remain Our property and may be cancelled by
                                            balances outstanding during the month (including new transactions). To get the
    Us at any time without notice. You agree to surrender any such access device
                                            average daily balance, We take the beginning balance of Your Account each day,
    and to discontinue its use immediately upon Our request.
                                            add any new purchases, balance transfers, cash advances, insurance premiums,
                                            debit adjustments or other charges and subtract any payments, credits and unpaid
    USE OF YOUR CARD. You may use Your Card to buy goods and services in
                                            Finance Charges or Late Charges. This gives Us the daily balance. Then, We add
    any place that it is honored and to get cash advances from Us or another
                                            up all the daily balances for the billing cycle and divide them by the number of days
    financial institution. If You are issued a cash advance draft, it will be imprinted
                                            in the billing cycle. The Finance Charge for a billing cycle is computed by
    with Your Card and You will receive a copy of the draft. You agree not to use multiplying the average daily balance subject to a Finance Charge by the Daily
    Your Card for illegal transactions including, but not limited to, advances made for Periodic Rate times the number of days in the billing cycle.
    the purpose of gambling and/or wagering where such practices are in violation of
    applicable state and/or federal law.    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.
    ISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue You a Otherwise, the new balance of purchases, and subsequent purchases from the
    Personal Identification Number (PIN) for use with Your Card. This PIN is date they are posted to Your Account, will be subject to a Finance Charge. Cash
    confidential and should not be disclosed to anyone. You may use Your PIN and advances and balance transfers are always subject to a Finance Charge from the
    Your Card to access Your Account and all sums advanced will be added to Your date they are posted to Your Account.
    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 VISA AND VISA GOLD VARIABLE INTEREST RATE. All VISA and VISA Gold
    may affect Your rights.                 transactions are subject to a Variable Rate which is based on the most recent
    Copyright Oak Tree Business Systems, Inc., 2013-2017. All Rights Reserved. Page 2 of 4 OTBS 016CC FRB_Web KEMB (1/17)
                                                                             Rev. (6/16)
    Prime Rate available as published in the Money Rates Section of The Wall Street OTHER FEES AND CHARGES. You will be charged the following fees and
    Journal and will be the most recent rate available on the last day of each calendar charges associated with the use of Your Credit Card: (a) the lesser of $25.00 or
    quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the required minimum payment amount for the returned payment for any check
    the Interest Rate. Changes in the Index will cause changes in the Interest Rate on (or other negotiable instrument used for payment) which is returned unpaid; (b)
    the first day of the first statement cycle following the end of each calendar quarter $5.00 for each sales draft copy You request; (c) a cash advance fee FINANCE
    of each year. Increases or decreases in the Interest Rate will cause like increases CHARGE in an amount equal to 2.00% of the total amount advanced, subject to
    or decreases in the Finance Charge and will affect the number of Your scheduled a minimum of $2.00 and a maximum of $50.00; (d) a balance transfer fee
    payments. Your Interest Rate will never be greater than 18.00%. 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)
    MINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum $20.00 for each Card that You request be delivered on an expedited basis.
    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 DEFAULT. You will be in default if: (a) You do not make any payment or perform
    charged periodic Finance Charges to the date You repay Your entire Account any obligation under this Agreement, or any other agreement that You may have
    balance. Any partial payment or prepayment of Your Account will not delay Your with Us; or (b) You should die, become involved in any insolvency, receivership
    next scheduled payment. All payments to Us must be in lawful money of the or custodial proceeding brought by or against You; or (c) You have made a false
    United States.                          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
    Payments will be applied in the following order: (a) any Fees and Charges owing; should be filed against You or any attachment or garnishment should be issued
    (b) any Finance Charges due; (c) the balance for cash advances; (d) the balance against any of Your property or rights, specifically including anyone starting an
    for balance transfers; and then to (e) the balance for purchases. 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
    Any unpaid portion of any Finance Charges and Late Charges will be paid by hereunder is or soon will be impaired, time being of the very essence.
    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 If You are in default, We may, without notice or demand, and to extent permitted
    Your Finance Charge and any payment that accelerates the reduction of Your by law, cancel Your rights under this Agreement, declare the entire unpaid
    unpaid balance will decrease Your Finance Charges. balance immediately due and payable and require the return of all Cards and
                                            other Account Access devices.
    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 COLLECTION COSTS. To the extent permitted by law, You will reimburse Us
    lesser of $10.00 or Your Account balance, plus any portion of the Minimum for all of Our costs and expenses, including reasonable attorneys' fees incurred
    Payments shown on prior statement(s) which remains unpaid, plus any amount in the course of collecting any amounts owed under this Agreement or for the
    that exceeds Your approved Credit Limit. recovery of any collateral.
    CONSENSUAL LIEN ON SHARES. As permitted by law, You grant and CREDIT INSURANCE. Credit insurance is not required for any extension of
    consent to a lien on Your shares or other deposit accounts with Us (other credit under this Agreement. However, You may purchase any credit insurance
    than those deposits established under a governmental-approved tax available through Us and have the premiums added to the outstanding balance
                                            of Your Account. If You elect to do so, You will be given the necessary
    deferral plan such as an IRA or Keogh account) and any dividends due or
                                            disclosures and documents separately. Any credit insurance premiums will be
    to become due to You from Us to the extent You owe on any unpaid
                                            charged to Your Account as a purchase.
    Credit Card balance.
                                            ENFORCEMENT. We do not lose Our rights under this or any related agreement
    OTHER SECURITY. Collateral (other than household goods or any dwelling)
                                            if We delay enforcing them. We can accept late payments, partial payments, or
    given as security under this Agreement or for any other loan You may have with
                                            any other payments, even if they are marked "paid in full" without losing any of
    Us will secure all amounts You owe Us now and in the future if that status is
                                            Our rights under this Agreement. If any provision of this or any related
    reflected in the "Truth-in-Lending Disclosure" in any particular Agreement
                                            agreement is determined to be unenforceable or invalid, all other provisions
    evidencing such debt.
                                            remain in full force and effect.
    PERIODIC STATEMENT. On a regular basis, You will receive a statement
                                            UNAUTHORIZED USE. You may be liable for the unauthorized use of Your
    showing all transactions on Your Account including amounts paid and borrowed
                                            Account. You will not be liable for the unauthorized use that occurs after You
    since Your last statement. We will mail You a statement each billing cycle in
                                            notify Us orally and in writing at the address or telephone number shown in this
    which there is a debit or credit balance or when a Finance Charge is imposed.
                                            Agreement, of the loss, theft, or possible unauthorized use. In any case, Your
    We need not send You a statement if We feel Your Account is uncollectible or if
                                            liability will not exceed $50.00.
    We have started collection proceedings against You because You defaulted.
                                            NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly in writing
    Each statement is deemed to be a correct statement of account unless You
                                            if You move or otherwise have a change of address.
    establish a billing error pursuant to the Federal Truth-In-Lending Act.
                                            CHANGE IN TERMS. We may change the terms of this Agreement by
    OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are
                                            mailing or delivering to You written notice of the changes as prescribed
    under no obligation to honor Your Convenience Checks if: (1) by paying a by the Federal Truth-In-Lending Act. To the extent permitted by law, the right
    Convenience Check, You would exceed Your Credit Limit; (2) Your Cards or to change the terms of this Agreement includes, but is not limited to, the
    Convenience Checks have been reported lost or stolen; (3) Your Account has right to change the periodic rate applicable to Your unpaid balance and/or
    been cancelled or has expired; and (4) a Convenience Check is used for future advances.
    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, REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not
    We are not responsible for any resulting loss or liability. 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
    TRANSACTION SLIPS. Your periodic statement will identify the merchant, Cards or complete a Card withdrawal, or for their retention of the Cards or
    electronic terminal or financial institution at which transactions were made, but Convenience Checks.
    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 LOST CARDS. To report lost or stolen Credit Cards, You will call Us
    order to verify Your monthly statement. immediately at (800) 825-3622 or (513) 762-5070 or, You can write to Us at
                                            P. O. Box 14090, Cincinnati, OH, 45250-0090.
    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 FOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the
    Your Account. If Your credits and payments exceed what You owe Us, We will exchange rate between the transaction currency and the billing currency (U.S.
    hold and apply this credit against future purchases and cash advances, or if it is dollars) will be: (a) a rate selected by VISA and/or MasterCard, as is applicable,
    $1.00 or more, refund it on Your written request or automatically deposit it to Your from the range of rates available in wholesale currency markets for the
    share account after 6 months.           applicable central processing date, which rate may vary from the rate VISA or
                                            MasterCard itself receives; or (b) the government-mandated rate in effect for the
    LATE CHARGE. If Your payment is not received within 55 days of the Statement applicable central processing date.
    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. For all transactions, You will be charged 1.00% calculated on the final
                                            settlement amount.
    ANNUAL MEMBERSHIP FEE. MasterCard, Share Secured MasterCard and
    Share Secured VISA accountholders will be charged a non-refundable Annual EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or
    Cardholder fee of $25.00 per year for Your continued participation in that other slips You may sign or receive when using the Card contain terms,
    particular Credit Card accessible program. This annual fee is required each year this Agreement is the contract which solely applies to all transactions involving
    in order to continue Your credit availability. We will automatically post this fee to Your Account.
    Your Account on the first day of the billing cycle in which it is due. You can avoid
    paying it by sending written notification of termination of Your Account within 30 CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this
    days following the mailing date of the statement on which it appears. Agreement. By signing the Application and Your Credit Card, by using the Card,
    Copyright Oak Tree Business Systems, Inc., 2013-2017. All Rights Reserved. Page 3 of 4 OTBS 016CC FRB_Web KEMB (1/17)
                                                                              Rev. (6/16)
     by using Your Account or by authorizing another to use Your Account, You 2) Within 90 days of receiving Your letter, We must either correct the error or
     agree to accept its terms.             explain to You why We believe the bill is correct.
     INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional While We investigate whether or not there has been an error:
     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. . We cannot try to collect the amount in question, or report You as
                                              delinquent on that amount.
     UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide . The charge in question may remain on Your statement, and We may
     facts to update personal information or other financial information related to You, continue to charge You interest on that amount.
     at Our request. You also agree that We may, from time to time, as We deem . While You do not have to pay the amount in question, You are responsible
     necessary, make inquiries pertaining to Your employment, credit standing and for the remainder of Your balance.
     financial responsibility in accordance with applicable laws and regulations. You . We can apply any unpaid amount against Your Credit Limit.
     further agree that We may give information about the status and payment history
     of Your Account to consumer credit reporting agencies, a prospective employer After We finish Our investigation, one of two things will happen:
     or insurer, or a state or federal licensing agency having any apparent legitimate
     business need for such information.    . 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.
     TERMINATION. Subject to applicable law, either You or We may cancel Your . If We do not believe there was a mistake: You will have to pay the amount in
     Account at any time whether or not You are in default. You will, in any question, along with applicable interest and fees. We will send You a
     case, remain liable to pay any unpaid balances according to the terms of statement of the amount You owe and the date payment is due. We may
     this Agreement.                          then report You as delinquent if You do not pay the amount We think
                                              You owe.
     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 If You receive Our explanation but still believe Your bill is wrong, You must write
     controlling federal law.               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 Billing Rights: Keep this Document for Future Use Your bill.
     This notice tells You about Your rights and Our responsibilities under the We must tell You the name of anyone to whom we reported You as delinquent,
     Fair Credit Billing Act.               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
          What To Do If You Find A Mistake On Your Statement the first $50.00 of the amount You question even if Your bill is correct.
     If You think there is an error on Your statement, write to Us at Our address Your Rights If You Are Dissatisfied With Your Credit Card Purchases
     shown in this Agreement. In Your letter, give us the following information:
                                            If You are dissatisfied with the goods or services that You have purchased with
    . Account information: Your name and Account number. Your Credit Card, and You have tried in good faith to correct the problem with
    . Dollar amount: The dollar amount of the suspected error. the merchant, You may have the right not to pay the remaining amount due on
    . Description of problem: If You think there is an error on Your bill, describe the purchase. To use this right, all of the following must be true:
      what You believe is wrong and why You believe it is a mistake.
                                            1) The purchase must have been made in Your home state or within 100 miles
     You must contact Us:                     of Your current mailing address, and the purchase price must have been
                                              more than $50.00. (Note: Neither of these are necessary if Your purchase
    . Within 60 days after the error appeared on Your statement. was based on an advertisement We mailed to You, or if We own the
    . At least three business days before an automated payment is scheduled, if company that sold You the goods or services.)
      You want to stop payment on the amount You think is wrong. 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
           What Will Happen After We Receive Your Letter Card account do not qualify.
                                            3) You must not yet have fully paid for the purchase.
     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 If all of the criteria above are met and You are still dissatisfied with the purchase,
     pay the amount in question.            contact Us in writing at Our address shown in this Agreement.
     When We receive Your letter, We must do two things: 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
     1) Within 30 days of receiving Your letter, We must tell You that We received point, if We think You owe an amount and You do not pay, We may report You
      Your letter. We will also tell You if We have already corrected the error. as delinquent.
    Copyright Oak Tree Business Systems, Inc., 2013-2017. All Rights Reserved. Page 4 of 4 OTBS 016CC FRB_Web KEMB (1/17)
                                                                             Rev. (6/16)
                                               PRICING INFORMATION ADDENDUM
                        KEMBA CREDIT UNION, INC.
                        P. O. BOX 14090                   CREDIT CARD ACCOUNT
                        CINCINNATI, OH 45250
                                                   AGREEMENT AND DISCLOSURE
                        (800) 825-3622
                        FAX (513) 762-1619 THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA,
                        (513) 762-5070   SHARE SECURED VISA, VISA GOLD, VISA PLATINUM, GCFCU VISA, MASTERCARD AND
                                         SHARE SECURED 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 Rate (APR)
                          VISA:11.24%
    For Purchases
                            This APR will vary with the market based on the Prime Rate.
                          VISA Gold:8.99%
                            This APR will vary with the market based on the Prime Rate.
                          VISA Platinum: 9.90%      Share Secured VISA:18.00%
                          GCFCU VISA:12.90%         Share Secured MasterCard: 18.00%
                          MasterCard:13.90%
    Annual Percentage Rate (APR) VISA: 11.24%
    For Balance Transfers   This APR will vary with the market based on the Prime Rate.
                          VISA Gold: 8.99%
                            This APR will vary with the market based on the Prime Rate.
                          VISA Platinum: 9.90%      Share Secured VISA: 18.00%
                          GCFCU VISA: 12.90%        Share Secured MasterCard: 18.00%
                          MasterCard: 13.90%
    Annual Percentage Rate (APR) VISA: 11.24%
    For Cash Advances
                            This APR will vary with the market based on the Prime Rate.
                          VISA Gold: 8.99%
                            This APR will vary with the market based on the Prime Rate.
                          VISA Platinum: 9.90%      Share Secured VISA: 18.00%
                          GCFCU VISA: 12.90%        Share Secured MasterCard: 18.00%
                          MasterCard: 13.90%
    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 To learn more about factors to consider when applying for or using a Credit Card,
    the Consumer Financial visit the website of the Consumer Financial Protection Bureau at
                           http://www.consumerfinance.gov/learnmore.
    Protection Bureau
    Fees
    Annual Fee            For MasterCard, Share Secured MasterCard and Share Secured VISA, $25.00
                    SEE TOP OF PAGE 2 for more important information about Your Account
    Copyright Oak Tree Business Systems, Inc., 2013-2017. All Rights Reserved. Page 1 of 2 OTBS 016A CC FRB_Web KEMB (6/17)
                                                                              Rev. (6/17)
    Fees (continued)
    Transaction Fees
     . Foreign Transaction 1.00% of each transaction in U.S. dollars.
     . Balance Transfer   2.00% of each transfer ($2.00 minimum - $50.00 maximum).
     . Cash Advance       2.00% of each advance ($2.00 minimum - $50.00 maximum).
    Penalty Fees
     . Returned Payment   Up to $25.00
     . Late Payment       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.
                       SEE PAGE 1 for more important Information about Your Account
    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.
    VISA is subject to a current Daily Periodic Rate of 0.030795% (corresponding ANNUAL PERCENTAGE RATE 11.24%).
    VISA Gold is subject to a current Daily Periodic Rate of 0.024631% (corresponding ANNUAL PERCENTAGE RATE 8.99%).
    Share Secured VISA is subject to a Daily Periodic Rate of 0.049315% (corresponding ANNUAL PERCENTAGE RATE 18.00%).
    VISA Platinum is subject to a Daily Periodic Rate of 0.027123% (corresponding ANNUAL PERCENTAGE RATE 9.90%).
    GCFCU VISA is subject to a Daily Periodic Rate of 0.035342% (corresponding ANNUAL PERCENTAGE RATE 12.90%).
    MasterCard is subject to a Daily Periodic Rate of 0.038082% (corresponding ANNUAL PERCENTAGE RATE 13.90%).
    Share Secured MasterCard is subject to a Daily Periodic Rate of 0.049315% (corresponding ANNUAL PERCENTAGE RATE 18.00%).
    VISA AND VISA GOLD VARIABLE INTEREST RATE. All VISA and VISA Gold transactions are subject to a Variable Rate which is based on the most recent Prime
    Rate available as published in the Money Rates Section of The Wall Street Journal and will be the most recent rate available on the last day of each calendar quarter of
    each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of
    the first statement cycle following the end of each calendar quarter of each year. Increases or decreases in the Interest Rate will cause like increases or decreases in
    the Finance Charge and will affect the number of Your scheduled payments. Your Interest Rate will never be greater than 18.00%.
    The applicable Margins are as follows: VISA 6.99%; and VISA Gold 4.74%.
    Copyright Oak Tree Business Systems, Inc., 2013-2017. All Rights Reserved. Page 2 of 2 OTBS 016A CC FRB_Web KEMB (6/17)
                                                                              Rev. (6/17)