CREDIT CARD ACCOU(cid:11)T AGREEME(cid:11)T 
A(cid:11)D FEDERAL DISCLOSURE STATEME(cid:11)T 

P.O. Box 86008 
 Los Angeles, CA 90086-0008 
(800) 944-2200 
www.firstcitycu.org 

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 
PLATINUM, VISA PLATINUM FIRST TIME AND VISA PLATINUM SECURED CREDIT CARDS. PLEASE BE SURE TO 
READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean FIRST CITY CREDIT Union. The words "You" and "Your" mean each person who 
accepts this Agreement or uses the VISA Platinum, VISA Platinum First Time or VISA Platinum Secured Credit Cards. "Account" means the VISA Platinum, VISA 
Platinum  First  Time  or  VISA  Platinum  Secured  Credit  Card  Account  established  for  You.  The  words  “Credit  Card”  or  “Card”  mean  any  VISA  Platinum,  VISA 
Platinum  First  Time  or  VISA  Platinum  Secured  Credit  Cards  issued  to  You  by  Us  and  any  duplicates  and  renewals.  “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.  

You understand the following terms constitute the Agreement: 

PROMISE  TO  PAY.  Your  Account may  be  accessible through  a  variety  of means  which could  include  advance  request forms,  vouchers, checks,  charge slips, 
credit cards, Convenience Checks and the like. Regardless of the access means, You promise to pay Us all amounts charged to Your Account by You or by any 
user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and other fees or charges 
described herein. 

JOINT  ACCOUNTS.  Each  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. 

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 generally be self-replenishing as You make payments on Your Account. You will keep Your un-paid 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.  

ACCOUNT RESTRICTIONS. In order to receive and maintain a VISA Platinum Secured Credit Card, You agree to give Us a specific pledge of shares which will 
equal  Your  credit  limit.  In  the  event  that  You  default  on  Your  Account, We may  apply  these  shares toward  the  repayment  of  any  amount  owed  on  Your  VISA 
Platinum Secured Account. You may cancel Your VISA Platinum Secured Account at any time by paying any amounts owed on Your Account and returning any 
access devices. To be certain that Your entire balance and all advances on Your Account are paid, any shares pledged may not be available to You for 30 days 
after You have cancelled Your VISA Platinum Secured Account and any outstanding balance is paid in full. 

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  (new  and  previous).  Separate  average  daily  balances  are  calculated  for  purchases  and  cash  advances.  To  get  each 
average  daily  balance,  each  daily  balance  for  each  day  of  the  billing  cycle  for  purchases  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  purchases,  new  purchases  are  added  to  the  day's  beginning  balance  and  payments,  credits  and  Annual 
Membership Fees are subtracted. 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 from 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 and until such advances are paid in full.  

VARIABLE RATE. 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 on the day immediately preceding each change date ("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 1st day of each billing cycle 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 regularly scheduled payments. Your Interest Rate will never be greater that 18.00% and will 
apply to Your remaining principal balance.  

For the current Margin, Index, daily periodic rate (and the corresponding Annual Percentage Rate) for Your Account, refer to the separate page titled 
“Additional Disclosure — Federal Truth-In-Lending Act” which has been provided in conjunction with Your Credit Card. 

MINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum Monthly Payments, You understand that You have the right to repay Your Account or 
make larger payments at any time without penalty. You will only be charged periodic Finance Charges to the date You repay Your entire Account balance. Any 
partial payment or prepayment of Your Account will not delay Your next scheduled payment. All payments to Us must be in lawful money of the United States. 

Payments  will  be  applied  in the  following  order:  (a)  any  Annual  Membership  Fees  owing;  (b)  Late Charges  due;  any  Finance  Charges  due;  (c) the  balance for 
purchases; and then to (d) the balance for cash advances.  

Copyright Oak Tree Business Systems, Inc., 2010-2013. All Rights Reserved. 

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Any  unpaid  portion  of the  Finance  Charge  will  be  paid  by  subsequent  payments  and  will  not  be  added  to  the  principal. You  understand  that  any  payment that 
delays  the  repayment  of  Your  unpaid  balance  will  increase  Your  Finance  Charge  and  any  payment  that  accelerates  the  reduction  of  Your  unpaid  balance  will 
decrease Your Finance Charges.  

Minimum  Monthly Payments for VISA  Platinum, VISA  Platinum  First  Time  and VISA  Platinum  Secured  will  be  an  amount  equal to  3.00%  of  Your  unpaid  VISA 
Platinum, VISA Platinum First Time and VISA Platinum Secured balance, subject to the lesser of $15 or Your Account balance. In addition to the Minimum Monthly 
Payment, You will also be required to pay any prior payments due which remain unpaid and any amounts which exceed Your Credit Limit.  

CONSENSUAL  LIEN.  As  permitted  by  law,  You  grant  and  consent  to  a  lien  on  Your  shares  or  other  deposit  accounts  with  Us  (other  than  those 
deposits established under a governmental-approved tax deferral plan such as an IRA or Keogh account) and any dividends due or to become due to 
You from Us to the extent You owe on any unpaid Credit Card balance. 

OTHER SECURITY. Collateral (other than household goods or any dwelling) given as security under this Agreement or for any other loan You may have with Us 
will secure all amounts You owe Us now and in the future if that status is reflected in the “Truth-in-Lending Disclosure” in any particular Agreement evidencing 
such debt. 

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 VISA Platinum, VISA Platinum First Time or VISA Platinum Secured Credit Card, 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.  

PERIODIC STATEMENT. On a regular basis, You will receive a statement showing all transactions on Your Account including amounts paid and borrowed since 
Your last statement. We will mail You a statement each billing cycle in which there is a debit or credit balance or when a Finance Charge is imposed. We need not 
send You a statement if We feel Your Account is uncollectible or if We have started collection proceedings against You because You defaulted. Each statement is 
deemed to be a correct statement of account unless You establish a billing error pursuant to the Federal Truth-In-Lending Act. 

OUR  RESPONSIBILITIES  TO  HONOR  CONVENIENCE  CHECKS.  We  are  under  no  obligation  to  honor  Your  Convenience  Checks  if:  (1)  by  paying  a 
Convenience Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have been reported lost or stolen; (3) Your Account has been 
cancelled or has expired. If a postdated Convenience Check is paid and, as a result, any other Convenience Check is returned unpaid, We are not responsible for 
any resulting loss or liability. 

TRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but sales, 
cash advances, credit or other slips will not be returned with the statement. You will retain the copy of such slips furnished at the time of the transaction in order to 
verify Your monthly statement.  

CREDITS. If a merchant who honors Your Card gives You credit for returns or adjustments, the merchant will do so by sending Us a slip which will be posted to 
Your Account. If Your credits and payments exceed what You owe Us, We will hold and apply this credit against future purchases and cash advances, or if it is 
$1.00 or more, refund it on Your written request or automatically deposit it to Your share account after six months. 

LATE CHARGE. If Your payment is more than 10 days late, You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $10. 

OTHER  FEES  AND  CHARGES.  You  agree  to  pay  Us  the  following  fees  and  charges  associated  with  the  use  of  Your  Card:  (a)  a  returned  check  (or  other 
negotiable instrument used for payment on Your Account) charge of the lesser of $29 or the required minimum payment amount for the returned payment for any 
item that is returned unpaid; (b) $5 for any replacement Card; (c) $15 per copy for sales drafts that You request that are unrelated to a valid billing error dispute; (d) 
a $65 Card Recovery Fee if You continue using Your Card after Your Account has been closed or suspended; (e) $29 for each Convenience Check stop payment 
request that You make; and (f) $25 for any request for copies of VISA documents from merchants identified as VISA Travel & Entertainment Merchants. 

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 the extent permitted by law, cancel Your rights under this Agreement, declare the entire unpaid 
balance immediately due and payable and require the return of all Cards and other Account Access devices.  

COLLECTION COSTS. To the extent permitted by law, You will reimburse Us for all of Our costs and expenses, including reasonable attorneys’ fees incurred in 
the course of collecting any amounts owed under this Agreement or for the recovery of any collateral. 

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. If any provision of this or any related agreement is 
determined to be unenforceable or invalid, all other provisions remain in full force and effect. 

UNAUTHORIZED USE. 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 
orally and in writing at the address or telephone number shown in this Agreement, of the loss, theft, or possible unauthorized use. In any case, Your liability will not 
exceed $50. 

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 delivering to You written notice of the changes as prescribed by the Federal 
Truth-In-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement includes, but is not limited to, the right to change the periodic 
rate applicable to Your unpaid balance and/or future advances. 

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for the refusal or inability of merchants, financial institutions and others to accept 
the Cards or Convenience Checks, or electronic terminals to honor the Cards or complete a Card withdrawal, or for their retention of the Cards or Convenience 
Checks. 

Copyright Oak Tree Business Systems, Inc., 2010-2013. All Rights Reserved. 

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LOST OR STOLEN CARDS  AND/OR CONVENIENCE CHECKS. To report a lost or stolen Card, or Convenience Check, You will immediately call (800) 944-
2200, Option Five (5), during regular business hours and (800) 682-6075 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. 
For transactions that are initiated in a foreign currency, You will be charged 1.00% of the final settlement amount.  For transactions occurring in foreign countries 
and initiated in U.S. Dollars, You will be charged 0.80% of the final 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. By signing the Application and Your Credit Card, by using the Card, by using 
Your Account or by authorizing another to use Your Account, You agree to accept its terms. 

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional Disclosure — Federal Truth-In-Lending Act" which is delivered to You and relates 
to this Agreement is an integrated part of this Agreement and Disclosure. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to update personal information or other financial information related to You, at 
Our request. You also agree that We may, from time to time, as We deem necessary, make inquiries pertaining to Your employment, credit standing and financial 
responsibility in accordance with applicable laws and regulations. You further agree that We may give information about the status and payment history of Your 
Account to consumer credit reporting agencies, a prospective employer or insurer, or a state or federal licensing agency having any apparent legitimate business 
need for such information. 

TERMINATION. Subject to applicable law, either You or We may cancel Your Account at any time whether or not You are in default. You will, in any case, remain 
liable to pay any unpaid balances according to the terms of this Agreement.  

GOVERNING LAW. This Agreement is controlled and governed by the laws of the State of California except to the extent that such laws are inconsistent with 
controlling federal law. 

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 

Your Billing Rights: Keep this Document for Future Use 

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.  

When We receive Your letter, We must do two things: 

What Will Happen After We Receive Your Letter 

1)  Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have already corrected the error. 
2)   Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is correct. 

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

•  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 amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe.  

If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We 
cannot report You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom we reported You as 
delinquent, and We must let those organizations know when the matter has been settled between Us. If We do not follow all of the rules above, You do not 
have to pay the first $50 of the amount You question even if Your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

Copyright Oak Tree Business Systems, Inc., 2010-2013. All Rights Reserved. 

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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. 

Copyright Oak Tree Business Systems, Inc., 2010-2013. All Rights Reserved. 

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PRICI(cid:11)G I(cid:11)FORMATIO(cid:11) ADDE(cid:11)DUM –  
CREDIT CARD ACCOU(cid:11)T AGREEME(cid:11)T 
A(cid:11)D FEDERAL DISCLOSURE STATEME(cid:11)T 

P.O. Box 86008 
 Los Angeles, CA 90086-0008 
(800) 944-2200 
www.firstcitycu.org 

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA PLATINUM, VISA PLATINUM 
FIRST TIME AND VISA PLATINUM SECURED CREDIT CARD AGREEMENT AND DISCLOSURE. PLEASE BE SURE TO 
READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases, Balance 
Transfers and Cash Advances 

VISA Platinum: 9.25% – 18.00% based on Your creditworthiness when You open 
Your Account. 

VISA Platinum First Time: 9.25% – 18.00% based on Your creditworthiness when 
You open Your Account. 

VISA Platinum Secured: 7.25%  
These APRs will vary with the market based on the Prime Rate. 

Paying Interest 

We  will  not  charge  You  interest  on  purchases  if  You  pay  Your  entire  balance  owed  each 
month within 25 days from Your statement closing date. We will begin charging interest on 
cash advances and balance transfers on the transaction date. 

Fees 

Transaction Fees 

•  Foreign Transaction 

Penalty Fees 

• 
Late Payment 
•  Returned Payment 

1.00% of each foreign currency transaction in U.S. dollars. 
0.80% of each foreign U.S. Dollar transaction that occurs in foreign country. 

Up to $10.00 after 10 days 
Up to $29.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” See Your 
Account Agreement for details. 

Billing Rights: Information on  your rights to dispute transactions and how to exercise those rights is  provided  in  Your Account 
Agreement.  

FINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions 
balances  outstanding  during  the  month  (new  and  previous).  Separate  average  daily  balances  are  calculated  for  purchases  and  cash  advances.  To  get  each 
average  daily  balance,  each  daily  balance  for  each  day  of  the  billing  cycle  for  purchases  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  purchases,  new  purchases  are  added  to  the  day's  beginning  balance  and  payments,  credits  and  Annual 
Membership Fees are subtracted. 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 from 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 and until such advances are paid in full. 

The  Daily  Periodic  Rate  that  will  apply  to  Your  unpaid  VISA  Platinum  and  VISA  Platinum  First  Time  Account  will  be  .025342%  -  .049315%  (corresponding 
ANNUAL PERCENTAGE RATE of 9.25% - 18.00%), based on Your creditworthiness at the time You establish Your Account. 

The Daily Periodic Rate that will apply to Your unpaid VISA Platinum Secured Account is .019863% (corresponding ANNUAL PERCENTAGE RATE of 7.25%). 

VARIABLE RATE. 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 on the day immediately preceding each change date ("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 1st day of each billing cycle 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 regularly scheduled payments. Your Interest Rate will never be greater that 18.00% and will 
apply to Your remaining principal balance. 

The Margin that will apply to Your VISA Platinum and VISA Platinum First Time Account is 6.00% - 14.75%, based on Your creditworthiness at the time You establish 
Your Account. 

The Margin that will apply to Your VISA Platinum Secured Account is 4.00%. 

Copyright Oak Tree Business Systems, Inc., 2010-2013. All Rights Reserved. 

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