CREDIT CARD AGREEMENT AND 
                     KEMBA CREDIT UNION, INC. 
                     P. O. BOX 14090       DISCLOSURE STATEMENT             
                     CINCINNATI, OH 45250                   
                     (800) 825-3622  THIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-
                      FAX (513) 762-1619  LENDING  DISCLOSURE STATEMENTS, VISA, SHARE SECURED VISA, VISA PLATINUM, VISA 
                                   GOLD, GCFCU VISA, MASTERCARD AND SHARE SECURED MASTERCARD AGREEMENTS, AND 
                                   ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA, 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 
                            VISA: _______%   
    (APR) 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 
                            VISA: _______%   
    (APR) 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 
                            VISA: _______%   
    (APR) 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 the  To learn more about factors to consider when applying for or using a Credit Card, visit 
    Consumer Financial Protection  the website of the Consumer Financial Protection Bureau at 
    Bureau                  http://www.consumerfinance.gov/learnmore. 
     
    
    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 - 2019. All Rights Reserved.  Page 1 of 4                                                                                OTBS 016CC FRB_WEB KEMB (1/19) 
                                                                               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:  ISSUANCE  OF PERSONAL  IDENTIFICATION  NUMBER.  We  will  issue  You a 
                                            Personal Identification Number (PIN) for use with Your Card. This PIN is confidential 
   PROMISE TO PAY. Your Account may be accessible through a variety of means  and should not be disclosed to anyone. You may use Your PIN and Your Card to 
   which could include advance request forms, vouchers, checks, charge slips, Credit  access Your Account and all sums advanced will be added to Your Account balance. 
   Cards, Convenience Checks and the like. Regardless of the access means, You  In the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and 
   promise to pay Us all amounts charged to Your Account by You or by any user  conditions of Your Electronic Fund Transfer Agreement may affect Your rights.  
   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  CREDIT LIMITS. You will be notified of Your specific Credit Limit for transactions made 
   described herein.                        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 
   JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for  Credit Limit, and You will pay any amount over Your Credit Limit on Our demand whether 
   the repayment of amounts owed. You understand that any Card which is requested  or not We authorize the advance which caused You to exceed Your Credit Limit. Even if 
   and approved, will be mailed only to the primary Borrower at the address that We  Your unpaid balance is less than Your Credit Limit, You will have no credit available 
   have on file for You. We may refuse to follow any instructions which run counter to  during any time that any aspect of Your Account is in default.  
   this provision.                           
                                            ACCOUNT RESTRICTIONS. In order to receive and maintain a Share Secured VISA 
   OWNERSHIP. All access devices remain Our property and may be cancelled by Us  or Share Secured MasterCard, You agree to give Us a specific pledge of shares which 
   at any time without notice. You agree to surrender any such access device and to  will be equal to 125.00% of Your Credit Limit. In the event that You default on Your 
   discontinue its use immediately upon Our request.  Account, We may apply these shares toward the repayment of any amount owed on 
                                            Your Account. 
   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  FINANCE CHARGES. In the case of any transactions on Your Account, the balances 
   institution. If You are issued a cash advance draft, it will be imprinted with Your Card  subject to the periodic Finance Charge are the average daily transactions balances 
   and You will receive a copy of the draft. You agree not to use Your Card for illegal  outstanding during the month (including new transactions). To get the average daily 
   transactions including, but not limited to, advances made for the purpose of gambling  balance, We take the beginning balance of Your Account each day, add any new 
   and/or wagering where such practices are in violation of applicable state and/or  purchases,  balance  transfers,  cash  advances,  insurance  premiums,  debit 
   federal law.                             adjustments or other charges and subtract any payments, credits and unpaid Finance 
   Copyright Oak Tree Business Systems, Inc., 2013 - 2019. All Rights Reserved.  Page 2 of 4                                                                                OTBS 016CC FRB_WEB KEMB (1/19) 
                                                                               Rev. (6/16) 
   Charges or Late Charges. This gives Us the daily balance. Then, We add up all the  the copy of such slips furnished at the time of the transaction in order to verify Your 
   daily balances for the billing cycle and divide them by the number of days in the billing  monthly statement.  
   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  CREDITS. If a merchant who honors Your Card gives You credit for returns or 
   of days in the billing cycle.            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 
   You can avoid Finance Charges on purchases by paying the full amount of the entire  apply this credit against future purchases and cash advances, or if it is $1.00 or more, 
   balance  owed  each  month  within  25  days  of  Your  statement  closing  date.               refund it on Your written request or automatically deposit it to Your share account after 
   Otherwise, the new balance of purchases, and subsequent purchases from the date  6 months. 
   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  LATE CHARGE. If Your payment is not received within 55 days of the Statement 
   posted to Your Account.                  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. 
   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  ANNUAL MEMBERSHIP FEE. MasterCard, Share Secured MasterCard and Share 
   Rate available as published in the Money Rates Section of The Wall Street Journal  Secured VISA accountholders will be charged a non-refundable Annual Cardholder 
   and will be the most recent rate available on the last day of each calendar quarter of  fee of $25.00 per year for Your continued participation in that particular Credit Card 
   each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest  accessible program. This annual fee is required each year in order to continue Your 
   Rate. Changes in the Index will cause changes in the Interest Rate on the first day of  credit availability. We will automatically post this fee to Your Account on the first day 
   the first statement cycle following the end of each calendar quarter of each year.  of the billing cycle in which it is due. You can avoid paying it by sending written 
   Increases or decreases in the Interest Rate will cause like increases or decreases in  notification of termination of Your Account within 30 days following the mailing date of 
   the Finance Charge and will affect the number of Your scheduled payments. Your  the statement on which it appears. 
   Interest Rate will never be greater than 18.00%.   
                                            OTHER FEES AND CHARGES. You will be charged the following fees and charges 
   MINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum Monthly  associated with the use of Your Credit Card: (a) the lesser of $25.00 or the required 
   Payments, You understand that You have the right to repay Your Account or make  minimum  payment  amount  for  the  returned  payment  for  any  check  (or  other 
   larger payments at any time without penalty. You will only be charged periodic Finance  negotiable instrument used for payment) which is returned unpaid; (b) $5.00 for 
   Charges to the date You repay Your entire Account balance. Any partial payment or  each sales draft copy You request; (c) a cash advance fee FINANCE CHARGE in 
   prepayment  of  Your  Account  will  not  delay  Your  next  scheduled  payment.  All  an amount equal to 2.00% of the total amount advanced, subject to a minimum of 
   payments to Us must be in lawful money of the United States.  $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 
   Payments will be applied in the following order: (a) any Fees and Charges owing; (b)  $2.00 and a maximum of $50.00; and (e) $20.00 for each Card that You request be 
   any Finance Charges due; (c) the balance for cash advances; (d) the balance for  delivered on an expedited basis. 
   balance transfers; and then to (e) the balance for purchases.   
                                            DEFAULT. You will be in default if: (a) You do not make any payment or perform any 
   Any unpaid portion of any Finance Charges and Late Charges will be paid by  obligation under this Agreement, or any other agreement that You may have with Us; or 
   subsequent payments and will not be added to the principal. You understand that any  (b) You should die, become involved in any insolvency, receivership or custodial 
   payment that delays the repayment of Your unpaid balance will increase Your Finance  proceeding brought by or against You; or (c) You have made a false or misleading 
   Charge and any payment that accelerates the reduction of Your unpaid balance will  statement in Your credit application and/or in Your representations to Us while You owe 
   decrease Your Finance Charges.           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, 
   Minimum Monthly Payments for advances on Your Account will be an amount equal  specifically including anyone starting an action or proceeding to seize any of Your funds 
   to 2.00% of Your balance at the end of each billing cycle, subject to the lesser of  on deposit with Us and/or (e)  We should, in good faith, believe Your ability to repay Your 
   $10.00 or Your Account balance, plus any portion of the Minimum Payments shown  indebtedness hereunder is or soon will be impaired, time being of the very essence. 
   on prior statement(s) which remains unpaid, plus any amount that exceeds Your   
   approved Credit Limit.                   If You are in default, We may, without notice or demand, and to the extent permitted by law, 
                                            cancel Your rights under this Agreement, declare the entire unpaid balance immediately 
    CONSENSUAL  LIEN  ON  SHARES.  As  permitted  by  law, You  grant  and  due and payable and require the return of all Cards and other Account Access devices.  
    consent to a lien on Your shares or other deposit accounts with Us (other   
    than those deposits established under a governmental-approved tax deferral  COLLECTION COSTS. To the extent permitted by law, You will reimburse Us for all of 
    plan such as an IRA or Keogh account) and any dividends due or to become  Our costs and expenses, including reasonable attorneys' fees incurred in the course of 
    due to You from Us to the extent You owe on any unpaid Credit Card balance.  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 
   OTHER SECURITY. Collateral (other than household goods or any dwelling) given as 
                                            under this Agreement. However, You may purchase any credit insurance available 
   security under this Agreement or for any other loan You may have with Us will secure 
                                            through Us and have the premiums added to the outstanding balance of Your 
   all amounts You owe Us now and in the future if that status is reflected in the "Truth-
                                            Account. If You elect to do so, You will be given the necessary disclosures and 
   in-Lending Disclosure" in any particular Agreement evidencing such debt.      
                                            documents  separately. Any credit insurance premiums  will  be  charged  to  Your 
    
                                            Account as a purchase. 
   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  ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   statement. We will mail You a statement each billing cycle in which there is a debit or  We delay enforcing them. We can accept late payments, partial payments, or any 
   credit balance or when a Finance Charge is imposed. We need not send You a  other payments, even if they are marked "paid in full" without losing any of Our rights 
   statement if We feel Your Account is uncollectible or if We have started collection  under this Agreement. If any provision of this or any related agreement is determined 
   proceedings against You because You defaulted.     to be unenforceable or invalid, all other provisions remain in full force and effect. 
                                             
   Each statement is deemed to be a correct statement of account unless You establish  UNAUTHORIZED  USE.  You  may  be  liable  for  the  unauthorized  use  of  Your 
   a billing error pursuant to the Federal Truth-In-Lending Act.  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 
   OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no  Agreement, of the loss, theft, or possible unauthorized use. In any case, Your 
   obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check,  liability will not exceed $50.00. 
   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  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly in writing if You 
   (4) a Convenience Check is used for payment on this or any other loan Account with  move or otherwise have a change of address.  
   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.  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-
   TRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic  Lending Act. To the extent permitted by law, the right to change the terms of this 
   terminal or financial institution at which transactions were made, but sales, cash  Agreement includes, but is not limited to, the right to change the periodic rate 
   advances, credit or other slips will not be returned with the statement. You will retain  applicable to Your unpaid balance and/or future advances. 
   Copyright Oak Tree Business Systems, Inc., 2013 - 2019. All Rights Reserved.  Page 3 of 4                                                                                OTBS 016CC FRB_WEB KEMB (1/19) 
                                                                               Rev. (6/16) 
   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 
   LOST CARDS. To report lost or stolen Credit Cards, You will call Us immediately at  amount in question.  
   (800) 825-3622 or (513) 762-5070 or, You can write to Us at P. O. Box 14090,   
   Cincinnati, OH, 45250-0090.                      What Will Happen After We Receive Your Letter 
                                             
   FOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the  When We receive Your letter, We must do two things: 
   exchange rate between the transaction currency and the billing currency (U.S.   
   dollars) will be: (a) a rate selected by VISA and/or MasterCard, as is applicable,  1)  Within 30 days of receiving Your letter, We must tell You that We received Your 
   from the range of rates available in wholesale currency markets for the applicable  letter. We will also tell You if We have already corrected the error. 
   central processing date, which rate may vary from the rate VISA or MasterCard  2)   Within 90 days of receiving Your letter, We must either correct the error or explain 
   itself receives; or (b) the government-mandated rate in effect for the applicable  to You why We believe the bill is correct. 
   central processing date.                  
                                            While We investigate whether or not there has been an error: 
   For  all  transactions,  You  will  be  charged  1.00%  calculated  on  the  final    
   settlement amount.                       �  We cannot try to collect the amount in question, or report You as delinquent on 
                                              that amount. 
   EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other  �  The charge in question may remain on Your statement, and We may continue to 
   slips You may sign or receive when using the Card contain terms, this Agreement is  charge You interest on that amount. 
   the contract which solely applies to all transactions involving Your Account.  �  While You do not have to pay the amount in question, You are responsible for the 
                                              remainder of Your balance. 
   CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement.  �  We can apply any unpaid amount against Your Credit Limit. 
   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.  After We finish Our investigation, one of two things will happen: 
                                             
   INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional  �  If We made a mistake: You will not have to pay the amount in question or any 
   Disclosure - Federal Truth-In-Lending Act" which is delivered to You and relates to  interest or other fees related to that amount. 
   this Agreement is an integrated part of this Agreement and Disclosure.  �  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 
   UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to  of the amount You owe and the date payment is due. We may then report You as 
   update personal information or other financial information related to You, at Our request.  delinquent if You do not pay the amount We think You owe.  
   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  If You receive Our explanation but still believe Your bill is wrong, You must write to Us 
   with applicable laws and regulations. You further agree that We may give information  within 10 days telling Us that You still refuse to pay. If You do so, We cannot report 
   about the status and payment history of Your Account to consumer credit reporting  You as delinquent without also reporting that You are questioning Your bill. We must 
   agencies, a prospective employer or insurer, or a state or federal licensing agency  tell You the name of anyone to whom We reported You as delinquent, and We must 
   having any apparent legitimate business need for such information.  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 
   TERMINATION. Subject to applicable law, either You or We may cancel Your Account  You question even if Your bill is correct. 
   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.   Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
                                             
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the  If You are dissatisfied with the goods or services that You have purchased with Your 
   State of Ohio except to the extent that such laws are inconsistent with controlling  Credit Card, and You have tried in good faith to correct the problem with the merchant, 
   federal law.                             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: 
         Your Billing Rights: Keep this Document for Future Use   
                                            1)  The purchase must have been made in Your home state or within 100 miles of 
   This notice tells You about Your rights and Our responsibilities under the Fair  Your current mailing address, and the purchase price must have been more than 
   Credit Billing Act.                        $50.00. (Note: Neither of these are necessary if Your purchase was based on an 
                                              advertisement We mailed to You, or if We own the company that sold You the 
         What To Do If You Find A Mistake On Your Statement  goods or services.) 
                                            2)  You must have used Your Credit Card for the purchase. Purchases made with 
   If You think there is an error on Your statement, write to Us at Our address shown in  cash advances from an ATM or with a check that accesses Your Credit Card 
   this Agreement. In Your letter, give Us the following information:  account do not qualify. 
                                            3)  You must not yet have fully paid for the purchase.  
   �  Account information: Your name and Account number.   
   �  Dollar amount: The dollar amount of the suspected error.  If all of the criteria above are met and You are still dissatisfied with the purchase, 
   �  Description of problem: If You think there is an error on Your bill, describe what  contact Us in writing at Our address shown in this Agreement.  
     You believe is wrong and why You believe it is a mistake.    
                                            While We investigate, the same rules apply to the disputed amount as discussed above. 
   You must contact Us:                     After We finish Our investigation, We will tell You Our decision. At that point, if We think 
   �  Within 60 days after the error appeared on Your statement.  You owe an amount and You do not pay, We may report You as delinquent.
    
   Copyright Oak Tree Business Systems, Inc., 2013 - 2019. All Rights Reserved.  Page 4 of 4                                                                                OTBS 016CC FRB_WEB KEMB (1/19) 
                                                                               Rev. (6/16) 
                    
                                       PRICING INFORMATION ADDENDUM � 
                   KEMBA CREDIT UNION, INC. 
                   P. O. BOX 14090 
                                             CREDIT CARD AGREEMENT 
                   CINCINNATI, OH 45250 
                   (800) 825-3622 
                                          AND DISCLOSURE STATEMENT            
                    FAX (513) 762-1619 
              
                                    THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA, 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 
                            VISA: 12.49%   
    (APR) For Purchases 
                               This APR will vary with the market based on the Prime Rate. 
                             
                            VISA Gold: 10.24%    
                               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 
                            VISA: 12.49%   
    (APR) For Balance Transfers 
                               This APR will vary with the market based on the Prime Rate. 
                             
                            VISA Gold: 10.24%    
                               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 
                            VISA: 12.49%   
    (APR) For Cash Advances 
                               This APR will vary with the market based on the Prime Rate. 
                             
                            VISA Gold: 10.24%    
                               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 the  To learn more about factors to consider when applying for or using a Credit Card, visit 
    Consumer Financial Protection  the website of the Consumer Financial Protection Bureau at 
    Bureau                  http://www.consumerfinance.gov/learnmore. 
     
    
    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., 2013-2019. All Rights Reserved.  Page 1 of 2   OTBS 016A CC FRB_WEB KEMB (1/19) 
                                                                               Rev. (1/19) 
    
    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 0.034219% (corresponding ANNUAL PERCENTAGE RATE 12.49%). 
    
   VISA Gold is subject to a current Daily Periodic Rate of 0.028055% (corresponding ANNUAL PERCENTAGE RATE 10.24%). 
    
   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., 2013-2019. All Rights Reserved.  Page 2 of 2   OTBS 016A CC FRB_WEB KEMB (1/19) 
                                                                               Rev. (1/19)