®

CREDIT CARD AGREEMENT AND
DISCLOSURE STATEMENT

P.O. Box 908
Riverside, CA 92502
1-888-883-7228
www.alturacu.com

THIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL
TRUTH-IN-LENDING DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR
VISA SHARE SECURED, VISA SELECT, VISA CLASSIC, VISA PLATINUM, VISA PLATINUM PREFERRED AND VISA
BUSINESS PLATINUM CREDIT CARDS. PLEASE BE SURE 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,
Balance Transfers, and
Cash Advances

8.99% - VISA Platinum Preferred
10.99% - VISA Platinum
12.99% - VISA Classic

15.99% - VISA Select
18.99% - VISA Share Secured
10.99% - VISA Business Platinum

Penalty APR and
When it Applies

These APRs will vary with the market based on the Prime Rate.

19.99%

This APR may be applied to Your Account if You:
(1)
(2)
(3)

You make a late payment; or
You are otherwise in default under the terms of Your Account Agreement with Us.
This Penalty APR will vary with the market based on the Prime Rate.

How Long Will The Penalty APR Apply? If Your APRs are increased for any of these
reasons, the Penalty Margin and APR will apply until You make 6 consecutive minimum
payments when due.

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.

Minimum Interest
Charge

For Credit Card Tips
from the Consumer
Financial Protection
Bureau

Fees

Transaction Fees
.
.

Foreign Transaction Fee
Cash Advance Fee

Penalty Fees
.
.

Returned Payment
Late Payment

If You are charged interest, the charge will be no less than $0.50.

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.

1.00% of each transaction in U.S. dollars.
3.00% of each cash advance.

Up to $25.00
Except VISA Business Platinum, up to $10.00 after 10 days
For VISA Business Platinum, $29.00 after 10 days

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.

DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean Altura Credit Union. The words "You" and "Your" mean each person who accepts this
Agreement or uses the VISA PLATINUM PREFERRED, VISA PLATINUM, VISA CLASSIC, VISA SELECT, VISA SHARE SECURED, and VISA BUSINESS PLATINUM Credit
Cards. "Card" or "Credit Card" means any VISA PLATINUM PREFERRED, VISA PLATINUM, VISA CLASSIC, VISA SELECT, VISA SHARE SECURED, and VISA BUSINESS
PLATINUM Credit Card issued to You by Us and any duplicates and renewals We may issue. "Account" means the VISA PLATINUM PREFERRED, VISA PLATINUM, VISA
CLASSIC, VISA SELECT, VISA SHARE SECURED and VISA BUSINESS PLATINUM Credit Card Account established for You. "Convenience Checks" mean the special Account
access devices that We may provide for Your use from time to time. If this is a joint account, read singular pronouns in the plural.

Copyright Oak Tree Business Systems, Inc., 2012. All Rights Reserved.

Page 1 of 4

OTBS 016 VISA FRB_WEB RIVC (2/12)
Rev. (1/12)

Type of VISA
Credit Card

VISA SHARE SECURED

VISA SELECT

VISA CLASSIC

VISA PLATINUM

VISA PLATINUM PREFERRED

VISA BUSINESS PLATINUM

Monthly Periodic
Rate

Annual
Percentage Rate

1.5825%

1.3325%

1.0825%

0.9158%

0.7492%

0.9158%

18.99%

15.99%

12.99%

10.99%

8.99%

10.99%

You understand the following terms constitute the Agreement:

PROMISE TO PAY. Your Account may be accessible through a variety of means which
forms, vouchers, checks, charge slips, credit cards,
could include advance request
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 Cardholder 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 Cardholder at the address that We have on
file for You. We may refuse to follow any instructions which run counter to this provision.

OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any time
without notice. You agree to surrender Your Card 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.

The aggregate amount of Cash Advance outstanding may not, at any time, exceed an
amount equal to 30% of Your approved Credit Limit.

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.

LINE OF CREDIT LIMIT. If Your application for a Card is approved, 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. Balances subject to the periodic Finance Charge are the average
daily transactions balances outstanding during the month (new and previous). Separate
average daily balances are calculated for purchases, balance transfers and cash
advances. To get each average daily balance, each daily balance for each day of the
billing cycle for purchases, balance transfers and for cash advances are added and the
totals are divided by the number of days in the billing cycle. To get the daily balance for
cash advances, new cash advances are added to the day's beginning balance and
payments and credits are subtracted. To get the daily balance for balance transfers, new
balance transfers are added to the day's beginning balance and payments and credits are
subtracted. To get the daily balance for purchases, new purchases are added to the day's
beginning balance and payments and credits are subtracted. We then multiply the
average daily balances for purchases, balance transfers and cash advances by the
Monthly Periodic Rate.

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 are always subject to
a Finance Charge from the date they are posted to Your Account.

You will be charged a minimum FINANCE CHARGE of $0.50 for each billing cycle in
which a Finance Charge is due.

PENALTY RATE. If Your Account is more than 60 days past due, or You are otherwise in
default under the terms of this Agreement, subject to applicable law, the Margin applicable
to Your Account will
increase to 16.74%. The increase in the Margin will result in an
increase in the Monthly Periodic Rate (corresponding to an increase in the Annual
Percentage Rate) that will be applied to Your Account balance existing at that time and in
the future.

Account balance existing at that time and in the future will return to that which would have
been in effect had no increase ever taken place.

OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in such
increments as We may from time to time determine) to Your share draft account by an
advance on Your Account, subject to this provision, to clear any overdraft on Your share
draft account. Whether or not such transfers occur will be controlled by this Agreement. In
any event, You hold Us harmless for any and all liability which might otherwise arise if the
transfer does not occur. Overdraft protection automatically ceases if this Agreement is
ever cancelled or terminated or Your Account is in default.

VARIABLE RATE. All advances are subject to a Variable Rate which is based on the
highest Prime Rate as published in the Money Rates section of The Wall Street Journal in
effect on the last day of each calendar quarter ("Index") plus Our Margin. Our Margin for
each Credit Card is disclosed in the following table:

Credit Card
VISA Platinum Preferred
VISA Platinum
VISA Business Platinum
VISA Classic
VISA Select
VISA Share Secured

Margin
5.74%
7.74%
7.74%
9.74%
12.74%
15.74%

The Index plus the Margin equals the Interest Rate. Changes in the Index will cause
changes in the Interest Rate on the 1st day of the billing cycle immediately following any
such change in the Index. Increases or decreases in the Interest Rate will cause like
increases or decreases in the Finance Charge and will affect the number of Your regularly
scheduled payments.

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) Finance Charges owing; (b) the
balance for cash advances; then to (c) the balance for purchases; and then to (d) any
Fees and Charges owing.

You understand that any delay in the repayment of Your unpaid balance will increase the
amount You will pay in Finance Charges and any acceleration in the reduction of Your
unpaid balance will decrease the amount You will pay in Finance Charges.

Your Minimum Monthly Payments will be 2.00% of Your unpaid Account balance at the
end of each billing cycle, subject to the lesser of $25.00 or Your Account balance, plus any
prior payments due which remain unpaid and any amounts which exceed Your credit limit.

If Your Account

SKIP PAYMENT.
is in good standing and unless You instruct Us
otherwise, We will allow You to skip payments in January, August and September of each
year. You will be notified in advance on Your Periodic Statement when a $0.00 Minimum
Monthly Payment due is shown. You may continue to make regular payments if You wish
and You will reduce the amount of Finance Charges that You will have to pay if You do so.
You will not be charged a Late Charge for those payments skipped. However, Finance
Charges will continue to accrue as set forth in this Agreement. The Periodic Statement
sent to You immediately following the Skip Payment period will
indicate the Minimum
Monthly Payment due. At that time, Your Minimum Monthly Payments will return to their
regularly scheduled amounts and due dates as specified in this Agreement. You may opt
out of this program by contacting Us.

CONSENSUAL LIEN. As permitted by law, You grant and consent to a lien on
Your 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.

Upon receipt of 6 consecutive minimum payments when due,
the Margin, Monthly
Periodic Rate and corresponding Annual Percentage Rate applicable to Your entire

PERIODIC STATEMENT. On a regular basis, You will receive a statement showing all
including amounts paid and borrowed since Your last
transactions on Your Account

Copyright Oak Tree Business Systems, Inc., 2012. All Rights Reserved.

Page 2 of 4

OTBS 016 VISA FRB_WEB RIVC (2/12)
Rev. (1/12)

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.
If a
postdated Convenience Check is paid and, as a result, any other Convenience Check is
returned unpaid, We are not responsible.

identify the merchant, electronic
TRANSACTION SLIPS. Your periodic statement will
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.

If a merchant who honors Your Card gives You credit

returns or
CREDITS.
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 six months.

for

LATE CHARGE. If Your payment is more than 10 days late, You will be charged a fee.
Except for VISA Business Platinum, the amount of such fee will equal the lesser of: (a)
the amount of the minimum payment due; or (b) $10. For VISA Business Platinum, the
amount of the fee will be $29.00. This fee will be posted to Your Account as a purchase.

OTHER FEES AND CHARGES. You will be charged the following Fees and Charges
associated with the use of Your Account which will be posted to Your Account as
purchases: (a) $5 for each replacement Card that You request; (b) $3 for each copy of an
Account document that You request; (c) the lesser of $25 or the required minimum
payment amount for the returned payment for any check (or other negotiable instrument
used for payment) that
is returned unpaid; and (d) a cash advance fee FINANCE
CHARGE equal to 3.00% of each cash advance.

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. In the event collection efforts are required to obtain payment on
this or any other account, You agree to pay all costs of collection, including but not
limited to, court costs, private process server fees,
investigation fees, reasonable
attorneys'
fees incurred in the course of collecting any amounts owed under this
Agreement or in the recovery of any collateral, or other costs incurred by Us.

In the event of Your default, You agree and understand that the Credit Union may retain
the services of a collection agency and pay such agency a fee calculated on a
percentage basis, in an amount not in excess of 25% of the unpaid debt after default, and
You agree that the amount of such fee will be Our actual cost of collection, exclusive of
any court costs and You agree to pay these amounts.

DEBT CANCELLATION. Debt Cancellation coverage is not required for any extension of
credit under this Agreement. However, You may purchase any Debt Cancellation
coverage available through Us and have the costs added to the outstanding balance of
Your Account. If You elect to do so, You will be given the necessary disclosures and
documents separately. Any Debt Cancellation costs 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 rights under this
Agreement.
is determined to be
unenforceable or invalid, all other provisions remain in full force and effect.

this or any related agreement

If any provision of

UNAUTHORIZED USE. For individual Accounts, You may be liable for the unauthorized
use of Your Card. You will not be liable for the unauthorized use that occurs after You
notify Us of the loss, theft, or possible unauthorized use by calling Us during business
hours at the telephone number shown in this Agreement or by writing to Us at the
address shown in this Agreement. In any case, Your liability will not exceed $50.

For business Accounts, if We have issued You less than 10 Cards for the use of Your
employees. You may be liable for the unauthorized use of Your Card. You will not be
liable for the unauthorized use that occurs after You notify Us of the loss, theft, or
possible unauthorized use by calling Us during business hours at the telephone number
shown in this Agreement or by writing to Us at the address shown in this Agreement. In
any case, Your liability will not exceed $50.

For Business Accounts in which We have issued 10 or more Cards for the use of Your
employees, You may be liable for the entire amount of unauthorized use.

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or
otherwise have a change of address.

CHANGE IN TERMS. We may change the terms of this Agreement by mailing or
the changes as prescribed by the Federal
delivering to You written notice of
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 OR STOLEN CARDS AND/OR CONVENIENCE CHECKS. To report a lost or
stolen Card, or Convenience Check, You will
immediately call Us at (888) 883-7228
during business hours, after hours, on weekends or holidays. You may also write to Us at
the address shown in this Agreement.

FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and 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. In each instance, You will be charged a fee in an
amount equal to 1.00% of the settlement amount.

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 the Card.

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement
and Disclosure. By signing the Application and Your Credit Card, by using the Card, or by
authorizing another to use Your Account, You agree to accept its terms.

INTEGRATED DOCUMENTS. Any separate sheet of paper
labeled "Additional
Disclosure - Credit Card Account" 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, or a state or federal licensing agency having any apparent legitimate business
need for such information.

TERMINATION. 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 California 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 3 business days before an automated payment is scheduled, if You
want to stop payment on the amount You think is wrong.

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.

What Will Happen After We Receive Your Letter

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.

Copyright Oak Tree Business Systems, Inc., 2012. All Rights Reserved.

Page 3 of 4

OTBS 016 VISA FRB_WEB RIVC (2/12)
Rev. (1/12)

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.

of the rules above, You do not have to pay the first $50 of the amount You question even
if Your bill is correct.

While We investigate whether or not there has been an error:
.
.
.
.

We cannot try to collect the amount in question, or report You as 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.

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
is due. We may then report You as
amount You owe and the date payment
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

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 been more than
$50. (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 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.

By activating Your Card, You acknowledge that You have read this Credit Card Agreement And Disclosure Statement, that You understand it, and that You have
received a completed copy of it. This Agreement includes the provisions on pages 1, 2, 3 and 4.

Copyright Oak Tree Business Systems, Inc., 2012. All Rights Reserved.

Page 4 of 4

OTBS 016 VISA FRB_WEB RIVC (2/12)
Rev. (1/12)

®

P.O. Box 908
Riverside, CA 92502
1-888-883-7228
www.alturacu.com

PRICING INFORMATION ADDENDUM
CREDIT CARD AGREEMENT AND
DISCLOSURE STATEMENT

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA SHARE SECURED, VISA
SELECT, VISA CLASSIC, VISA PLATINUM, VISA PLATINUM PREFERRED AND VISA BUSINESS PLATINUM CREDIT
CARDS. PLEASE BE SURE 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,
Balance Transfers, and
Cash Advances

8.99% - VISA Platinum Preferred
10.99% - VISA Platinum
12.99% - VISA Classic

15.99% - VISA Select
18.99% - VISA Share Secured
10.99% - VISA Business Platinum

Penalty APR and
When it Applies

These APRs will vary with the market based on the Prime Rate.

19.99%

This APR may be applied to Your Account if You:
(1)
(2)
(3)

You make a late payment; or
You are otherwise in default under the terms of Your Account Agreement with Us.
This Penalty APR will vary with the market based on the Prime Rate.

How Long Will The Penalty APR Apply? If Your APRs are increased for any of these
reasons, the Penalty Margin and APR will apply until You make 6 consecutive minimum
payments when due.

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.

Minimum Interest
Charge

For Credit Card Tips
from the Consumer
Financial Protection
Bureau

Fees

Transaction Fees
.
.

Foreign Transaction Fee
Cash Advance Fee

Penalty Fees
.
.

Returned Payment
Late Payment

If You are charged interest, the charge will be no less than $0.50.

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.

1.00% of each transaction in U.S. dollars.
3.00% of each cash advance.

Up to $25.00
Except VISA Business Platinum, up to $10.00 after 10 days
For VISA Business Platinum, $29.00 after 10 days

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.

Copyright Oak Tree Business Systems, Inc., 2012. All Rights Reserved.

Page 1 of 2

OTBS 016A VISA FRB_WEB RIVC (2/12)
Rev. (1/12)

Type of VISA
Credit Card

VISA SHARE SECURED

VISA SELECT

VISA CLASSIC

VISA PLATINUM

VISA PLATINUM PREFERRED

VISA BUSINESS PLATINUM

Monthly Periodic
Rate

Annual
Percentage Rate

1.5825%

1.3325%

1.0825%

0.9158%

0.7492%

0.9158%

18.99%

15.99%

12.99%

10.99%

8.99%

10.99%

FINANCE CHARGES. Balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (new and previous). Separate
average daily balances are calculated for purchases, balance transfers and cash advances. To get each average daily balance, each daily balance for each day of the billing cycle for
purchases, balance transfers and for cash advances are added and the totals are divided by the number of days in the billing cycle. To get the daily balance for cash advances, new
cash advances are added to the day's beginning balance and payments and credits are subtracted. To get the daily balance for balance transfers, new balance transfers are added to
the day's beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day's beginning balance and payments
and credits are subtracted. We then multiply the average daily balances for purchases, balance transfers and cash advances by the Monthly Periodic Rate.

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 are always subject to a Finance
Charge from the date they are posted to Your Account.

You will be charged a minimum FINANCE CHARGE of $0.50 for each billing cycle in which a Finance Charge is due.

PENALTY RATE. If Your Account is more than 60 days past due, or You are otherwise in default under the terms of this Agreement, subject to applicable law, the Margin applicable
to Your Account will increase to 16.74%. The increase in the Margin will result in an increase in the Monthly Periodic Rate (corresponding to an increase in the Annual Percentage
Rate) that will be applied to Your Account balance existing at that time and in the future.

Upon receipt of 6 consecutive minimum payments when due, the Margin, Monthly Periodic Rate and corresponding Annual Percentage Rate applicable to Your entire Account balance
existing at that time and in the future will return to that which would have been in effect had no increase ever taken place.

VARIABLE RATE. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall Street Journal in effect
on the last day of each calendar quarter ("Index") plus Our Margin. Our Margin for each Credit Card is disclosed in the following table:

Credit Card
VISA Platinum Preferred
VISA Platinum
VISA Business Platinum
VISA Classic
VISA Select
VISA Share Secured

Margin
5.74%
7.74%
7.74%
9.74%
12.74%
15.74%

The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle immediately following any such
change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled
payments.

Copyright Oak Tree Business Systems, Inc., 2012. All Rights Reserved.

Page 2 of 2

OTBS 016A VISA FRB_WEB RIVC (2/12)
Rev. (1/12)