PLATINUM AND PLATINUM REWARDS MASTERCARD AGREEMENT

In this Agreement, “You” and “your” mean any person who accepts this Agreement or uses the Card. The “Card” means any Platinum Mastercard or
Platinum Mastercard with CU Rewards credit card issued to you or those designated by you under the terms of this Agreement. “We,” “us” or the “Credit
Union” means Diamond Credit Union or its successors. By using your card, you agree to all of the terms and conditions set forth herein.

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. 
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US
NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE
SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO
THE AMOUNT YOU OWE. 
Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given
are not subject to this security interest. 
If you have other loans with us, collateral securing such loans may also secure your obligations under this Agreement, unless that other collateral is
your principal residence or non-purchase money household goods.

1. Using Your Card. Using your Card constitutes your acceptance of the terms and conditions of this Agreement, as may be amended from time
to time. You can purchase or lease goods and services (“Purchases”) from any merchant who honors your Card up to your maximum credit
limit for your Card. You may also use the Card to obtain cash advances up to your maximum credit limit from financial institutions and ATMs
that accept the Card. You may also access your account by telephone or access checks (if provided to you). Certain purchases and cash
advances require authorization prior to completion of the transaction. In some cases, you may be asked to provide identification. If our system
is not working, we may not be able to authorize a transaction, even though you have sufficient credit available. Also, for security reasons, we
may block the use of your Card in certain countries or geographic areas. We will have no liability to you or others if any of these events occur.

2. Feature Categories. Your account has Feature Categories which may include Platinum Mastercard and Platinum Mastercard with CU

Rewards.

3. Credit Limits. We will notify you of each specific credit limit for each Feature Category for which you are approved. You agree to keep your
unpaid balance within your credit limit; however, if you do exceed your credit limit, you agree to immediately pay any amount over the credit
limit upon our demand, regardless of whether we authorized the advance(s) which caused you to exceed your credit limit.

4. Personal Identification Number (PIN). We will issue 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

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Local: 610-326-5490
Toll Free: 800-593-1000
Routing Number: 231385154

Specialty Divisions

Technical Support

Inside Diamond

© 2018 Diamond Credit Union. All Rights Reserved.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States
Government by the National Credit Union Administration, a US Government Agency.