Southwest Airlines Federal Credit Union 
                                           www.swacu.org 
    
                        DALLAS      HOUSTON       PHOENIX        EULESS 
                      2430 Shorecrest  8441 Gulf Frwy., Suite 103  2330 E. Jones Ave, Suite 6  801 W. Euless Blvd, Suite 104 
                      Dallas, TX 75235  Houston, TX 77017    Phoenix, AZ 85040  Euless, TX 76040 
                       800.262.5325  800.262.5325  800.262.5325  800.262.5325 
                     
                                            
                              CREDIT LINE ACCOUNT  
                          AGREEMENT AND DISCLOSURE  
   THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA PLATINUM, SECURED 
   VISA PLATINUM, VISA REWARDS AND VISA SIGNATURE AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA PLATINUM, SECURED VISA 
   PLATINUM, VISA REWARDS AND VISA SIGNATURE CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT 
   CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 
    Interest Rate and Interest Charges 
                               
    Annual Percentage Rate (APR) 
    For Purchases             VISA Platinum: ________% Introductory APR for ______ months 
                                 
                                After that Your APR will be ________%. This APR will vary with the market 
                                based on the Prime Rate. 
                                 
                              Secured VISA Platinum: ________% Introductory APR for ______ months 
                                 
                                After that Your APR will be ________%. This APR will vary with the market 
                                based on the Prime Rate. 
                                 
                              VISA Rewards: ________% Introductory APR for ______ months 
                                 
                                After that Your APR will be ________%. This APR will vary with the market 
                                based on the Prime Rate. 
                               
                              VISA Signature: ________% Introductory APR for ______ months 
                                 
                                After that Your APR will be ________%. This APR will vary with the market 
                                based on the Prime Rate. 
                                 
                               
    Annual Percentage Rate (APR)  VISA Platinum: ________% Introductory APR for ______ months 
    For Balance Transfers        
                                After that Your APR will be ________%. This APR will vary with the market based 
    
                                on the Prime Rate. 
                                 
                              VISA Rewards: ________% Introductory APR for ______ months 
                                 
                                After that Your APR will be ________%. This APR will vary with the market based 
                                on the Prime Rate. 
                               
                              VISA Signature: ________% Introductory APR for ______ months 
                                 
                                After that Your APR will be ________%. This APR will vary with the market based 
                                on the Prime Rate. 
                               
                                            
                                            
                       SEE PAGE 2 for more important information about Your Account 
                                            
    
   Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.                           Page 1 of 6                                                                                             OTBS 016 FRB Web SWST (3/21)  
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    Interest Rate and Interest Charges (continued) 
                               
    Annual Percentage Rate (APR)  VISA Platinum: _________% 
                                 
    For Cash Advances 
                                This APR will vary with the market based on the Prime Rate. 
     
                               
    
                              Secured VISA Platinum: _________% 
                                 
                                This APR will vary with the market based on the Prime Rate. 
                               
                              VISA Rewards: _________% 
                                  
                                This APR will vary with the market based on the Prime Rate. 
                               
                              VISA Signature: _________%   
                                  
                                This APR will vary with the market based on the Prime Rate. 
                               
                              Line of Credit: _________% 
                               
                              Overdraft Protection: _________%  
                               
    Paying Interest           For VISA, 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 all other Feature Categories, We will begin charging interest on the transaction date. 
                               
    For Credit Card Tips from the  To learn more about factors to consider when applying for or using a Credit  
    Consumer Financial        Card,  visit  the  website  of  the  Consumer  Financial  Protection  Bureau  at 
    Protection Bureau         http:www.consumerfinance.gov/learnmore. 
    
    Fees  
                               
    Transaction Fees           
                               
     ?  Cash Advance Fee      For VISA, 2.00% of each advance ($10.00 minimum) 
     ?  Balance Transfer Fee  For VISA, 2.99% of each balance transfer 
     ?  Foreign Transaction Fee  For VISA (except VISA Signature), 2.00% of each transaction in U.S. Dollars. 
     
                                
    Penalty Fees              
                              
      ?  Returned Payment     For VISA, up to $30.00 
      ?  Late Payment         For VISA, up to $38.00 
                              For all other Feature Categories, 20.00% of the payment due ($0.05 minimum) 
    
   How We Will Calculate Your Balance: For Line of Credit and Overdraft Protection, We use a method called "daily balance." For  
   VISA, 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 
                                            
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
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   In this Agreement, the reference to "We," "Us," "Our," "Credit Union," and "Creditor" mean SOUTHWEST AIRLINES FEDERAL CREDIT UNION. The words "You," "Your," and 
   "Debtor" 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 
   Platinum, Secured VISA Platinum, VISA Rewards or VISA Signature Credit Card issued to You by Us and any duplicates or renewals.  
    
   You, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute 
   Our Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic requests, advance 
   request forms, vouchers, checks, charge slips, debit cards, Credit Cards, wire transfers, direct transfers, and/or wire transfers to specific payees identified by You, direct 
   transfers to Your share/share draft or other Credit Union account and the like. Regardless of the means by which any advance is made, 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. 
    
   FEATURE CATEGORIES. Your Account has Feature Categories which may include Line of Credit, Overdraft Protection, VISA Platinum, Secured VISA Platinum, VISA Rewards 
   and VISA Signature. 
    
     
                              Variable Rate            Daily              ANNUAL 
    Feature Category                                 Periodic Rate     PERCENTAGE RATE 
                           Index    Margin           For Purchases       For Purchases 
                                                                             
    VISA Platinum       ____________  ____________  ____________        ____________ 
                                                                             
    Secured VISA Platinum  ____________  ____________  ____________     ____________ 
                                                                             
    VISA Rewards        ____________  ____________  ____________        ____________ 
                                                                             
    VISA Signature      ____________  ____________  ____________        ____________ 
                                                                             
     
                              Variable Rate            Daily              ANNUAL 
    Feature Category                                 Periodic Rate     PERCENTAGE RATE 
                           Index    Margin         For Balance Transfers  For Balance Transfers 
                                                                             
    VISA Platinum       ____________  ____________  ____________        ____________ 
                                                                             
    VISA Rewards        ____________  ____________  ____________        ____________ 
                                                                             
    VISA Signature      ____________  ____________  ____________        ____________ 
     
                              Variable Rate            Daily              ANNUAL 
    Feature Category                                 Periodic Rate     PERCENTAGE RATE 
                           Index    Margin         For Cash Advances   For Cash Advances 
                                                                             
    VISA Platinum       ____________  ____________  ____________        ____________ 
                                                                             
    Secured VISA Platinum  ____________  ____________  ____________     ____________ 
                                                                             
    VISA Rewards        ____________  ____________  ____________        ____________ 
                                                                             
    VISA Signature      ____________  ____________  ____________        ____________ 
                                                                             
    Line of Credit                                  ____________        ____________ 
                                                                             
    Overdraft Protection                            ____________        ____________ 
                                                                             
   ADVANCES. Whenever You request a transaction, We may require You to prove  SECURITY. As permitted by law, to secure all transactions under this Agreement in 
   Your identity. Advances made on Your Account will be processed according to the  either joint or individual Accounts, We have the right to impress and enforce a 
   instructions You give Us (such as by wire transfer, direct transfer to Your Credit Union  statutory lien against Your shares on deposit with Us (other than those deposits 
   account, or by other such means) and You authorize Us to do this, or We may draw  established under a governmental approved tax deferral plan such as an IRA or 
   a draft or check made payable to You and mail it to You. When the amount advanced  Keogh account), and any dividends due or to become due to You from Us to the 
   appears on a subsequent statement, that will be conclusive evidence of Your advance  extent that You owe on any unpaid balance on Your Account and We may enforce 
   request unless You notify Us that You disagree with any such item appearing on Your  Our right to do so without further notice to You. Additionally, You agree that We 
   periodic statement according to the provision of this Agreement titled "Your Billing  may set-off any mutual indebtedness. 
   Rights: Keep this Document for Future Use." You understand that whether or not any   
   specific secured advance request is approved may be determined by how much equity  You acknowledge that You own any certificates, shares, and/or Collateral pledged as 
   You have or will have in the shares, certificates, and/or Collateral offered as security.  security and that there are no other liens against them other than Ours. You agree to 
   At this time, You may not obtain advances for balance transfers under Your Secured  perform all acts which are necessary to make Our security interest in the certificates, 
   VISA Platinum feature category.          shares, and/or Collateral being pledged enforceable. 
                                             
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   For advances under any certificate secured Feature Category, all certificates  payments are made, or credits given under any Feature Category. The Finance 
   which are pledged as Collateral must be renewed until Your outstanding Account  Charge begins to accrue on the date of each advance and there is no grace period. 
   balance is paid in full. Failure to renew any certificates securing any advance wi ll   
   cause  Your  entire  outstanding  Account  balance  to  become  immediately  due   HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA). For all Feature 
   and payable.                             Categories (except VISA), the Finance Charge is determined by multiplying Your 
                                            unpaid balance at the close of each day in the billing cycle being accounted for by the 
   OTHER SECURITY. Collateral (other than household goods or any dwelling) given as  applicable Daily Periodic Rate. The unpaid balance is the balance each day after 
   security under this Agreement or for any other loan You may have with Us will secure  payments, credits, and unpaid Finance Charges to that balance have been subtracted 
   all amounts You owe Us now and in the future if that status is reflected in the "Truth- and any new advances, insurance premiums, or other charges have been added to 
   in-Lending Disclosure" in any particular Agreement evidencing such debt.      Your unpaid balance. These daily Finance Charges are then added together and the 
                                            sum is the amount of the Finance Charge owed for the Feature Category being 
    CONSENSUAL LIEN ON SHARES. If You have been issued a Credit Card,  accounted for. The total Finance Charge You owe on Your Account for each billing 
    debit card or ATM card, You grant and consent to a lien on Your shares with  cycle is the sum of all the Finance Charges due for all applicable Feature Categories. 
    Us (except for IRA and Keogh accounts) and any dividends due or to   
    become due to You from Us to the extent You owe on any unpaid Credit  VISA FINANCE CHARGES. In the case of any transactions under Your VISA Platinum, 
    Card balance, and/or overdraft protection balance created through the use  Secured VISA Platinum, VISA Rewards or VISA Signature Feature Categories, the 
    of Your debit card.                     balances subject to the periodic Finance Charge are the average daily transactions 
                                            balances  outstanding  during  the  month  (including  new  transactions).  To  get  the 
   ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured VISA  average daily balance, We take the beginning balance each day, add any new 
   Platinum Feature Category, You agree to give Us a specific pledge of shares which  purchases,  balance  transfers  (except  Secured  VISA  Platinum),  cash  advances, 
   will equal Your Credit Limit. In the event that You default on Your Account, We may  insurance premiums, debit adjustments, or other charges and subtract any payments, 
   apply these shares toward the repayment of any amount owed on Your Feature  credits, and unpaid Finance Charges. This gives Us the daily balance. Then, We add 
   Category. You may cancel Your Secured VISA Platinum Feature Category at any time  up all the daily balances for the billing cycle and divide them by the number of days in 
   by paying any amounts owed on such Feature Category. To be certain that Your entire  the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the 
   balance and all advances are paid, any shares pledged may not be available to You  average dally balance subject to a Finance Charge by the applicable Daily Periodic 
   for 30 days after You have cancelled and any outstanding balance is paid in full.  Rate times the number of days in the billing cycle. 
                                             
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each  For VISA Platinum, Secured VISA Platinum, VISA Rewards or VISA Signature Feature 
   Feature Category for which You are approved. Unless You are in default, any Credit  Categories, You can avoid Finance Charges on purchases by paying the full amount 
   Limits established for You will generally be self-replenishing as You make payments.  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 
   You will keep Your unpaid balance within Your Credit Limit set by Us, and You will  they are posted to Your Account, will be subject to a Finance Charge.  
   pay any amount over Your Credit Limit on Our demand whether or not We authorize   
   the advances which caused You to exceed Your Credit Limit. Even if Your unpaid  For VISA Platinum, VISA Rewards or VISA Signature Feature Categories, balance 
   balance is less than Your Credit Limit, You will have no credit available during any  transfers are always subject to a Finance Charge from the later of the date they are 
   time that any aspect of Your Account is in default.  posted to Your Account or from the first day of the billing cycle in which the transaction 
                                            is posted to Your Account. 
   JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the   
   repayment of any amounts owed. If any Account access device, such as a Personal  For VISA Platinum, Secured VISA Platinum, VISA Rewards or VISA Signature Feature 
   Identification Number (PIN) is requested and approved, You understand that any such  Categories, cash advances are always subject to a Finance Charge from the later of 
   Account access device(s) will be mailed only to the primary Borrower at the address  the date they are posted to Your Account or from the first day of the billing cycle in 
   that We have on file for You. We may refuse to follow any instructions which run  which the transaction is posted to Your Account. 
   counter to this provision.                
                                            VISA Platinum purchase transactions are subject to a discounted Introductory Daily 
   MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only  Periodic  Rate  of  _________%  (corresponding  ANNUAL  PERCENTAGE  RATE 
   pay the Minimum Monthly Payments, You understand that You have the right to repay  _________%) until ____________________, whereas balance transfer transactions are 
   at any time without penalty. You also understand that You will only be charged periodic  subject to a discounted Introductory Daily Periodic Rate of ________% (corresponding 
   Finance Charges to the date You repay Your entire balance. You may make larger  ANNUAL PERCENTAGE RATE  ________%)  until  ________________.  Upon  the 
   payments without penalty. Any partial payment or prepayment will not delay Your next  expiration of the Introductory Rate periods, the entire balance of purchases and balance 
   scheduled payment. All payments to Us must be in lawful money of the United States.  transfers  will  be  subject  to  the  non-introductory  rates  disclosed  elsewhere  in  
   We may apply each payment to whichever Feature Category We wish. Except as  this Agreement. 
   required by law, payments will be applied first to any Late Charges owing, then to the   
   Finance Charge due, then to the outstanding principal balance.   Secured  VISA  Platinum  purchase  transactions  are  subject  to  a  discounted 
                                            Introductory  Daily  Periodic  Rate  of  _________%  (corresponding  ANNUAL 
   Any unpaid portion of the Finance Charge will be paid by subsequent payments and  PERCENTAGE  RATE  _________%)  until  ____________________.  Upon  the 
   will not be added to Your principal balance. You understand that any delay in the  expiration of the Introductory Rate period, the entire balance of purchases will be 
   repayment of Your unpaid balance will increase Your periodic Finance Charges and  subject to the non-introductory rates disclosed elsewhere in this Agreement. 
   any acceleration in the repayment of Your unpaid balance will decrease Your periodic   
   Finance Charges.                         VISA Rewards purchase transactions are subject to a discounted Introductory Daily 
                                            Periodic  Rate  of  _________%  (corresponding  ANNUAL  PERCENTAGE  RATE 
   Overdraft  Protection  and  Line  of  Credit  Minimum  Monthly  Payments  will  be  _________%) until ___________________, whereas balance transfer transactions are 
   established at the time of each advance at an amount equal to $3.00 per $100.00 (or  subject to a discounted Introductory Daily Periodic Rate of _________% (corresponding 
   fraction thereof) of the unpaid balance of Your Account after such advance is taken,  ANNUAL PERCENTAGE RATE _________%) until ____________________. Upon 
   subject to the lesser of $30.00 or Your balance.  the expiration of the Introductory Rate periods, the entire balance of purchases and 
                                            balance transfers will be subject to the non-introductory rates disclosed elsewhere in  
   VISA Platinum, Secured VISA Platinum, VISA Rewards and VISA Signature Minimum  this Agreement. 
   Payments will be an amount equal to 2.00% of Your new unpaid VISA Platinum,   
   Secured VISA Platinum, VISA Rewards or VISA Signature balance at the end of each  VISA Signature purchase transactions are subject to a discounted Introductory Daily 
   billing cycle, subject to the lesser of $30.00 or Your balance, plus any portion of the  Periodic  Rate  of  _________%  (corresponding  ANNUAL  PERCENTAGE  RATE 
   Minimum Payments shown on prior statement(s) which remains unpaid, plus any  _________%) until ___________________, whereas balance transfer transactions are 
   amount that exceeds Your approved Credit Limit.  subject to a discounted Introductory Daily Periodic Rate of _________% (corresponding 
                                            ANNUAL PERCENTAGE RATE _________%) until ____________________. Upon 
   You may, by separate agreement, authorize Us to charge Your payment directly to  the expiration of the Introductory Rate periods, the entire balance of purchases and 
   Your share or share draft account.       balance transfers will be subject to the non-introductory rates disclosed elsewhere in  
                                            this Agreement. 
   LATE CHARGE (EXCEPT VISA). If Your payment is more than 7 days late, You will   
   be charged the greater of 20.00% of the payment due or $0.05.  VISA VARIABLE RATE. Your VISA Platinum, Secured VISA Platinum, VISA Rewards 
                                            and/or VISA Signature Feature Categories are subject to a variable interest rate. 
   FINANCE CHARGES (EXCEPT VISA). A Finance Charge will be assessed on any   
   unpaid principal balance for each Feature Category of Your Account for the period  For VISA Platinum, VISA Rewards, and VISA Signature Feature Categories, advances 
   such balance  is  outstanding.  Balances change  each  time  advances  are made,  for purchases and balance transfers are subject to a Variable Rate which is based on 
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   the United States Prime Rate as published in the Money Rates section of the Wall  COLLECTION COSTS. In the event collection efforts are required to obtain payment 
   Street Journal in effect on the day the discounted introductory rate expires, and  on this Account, to the extent permitted by law, You agree to pay all court costs, 
   subsequently, on the 30th day immediately preceding each Change Date ("Index") plus  private process server fees, investigation fees, or other costs incurred in collection 
   Our Margin. The Index plus the Margin equals the Interest Rate. For balances for  and reasonable attorneys' fees incurred in the course of collecting any amounts owed 
   purchases and balance transfers, changes in the Index will cause changes in the  under this Agreement or in the recovery of any Collateral. 
   Interest Rate on the day the introductory rate expires, and subsequently on the 1st day   
   of each calendar month ("Change Date"). For VISA Platinum, VISA Rewards, and VISA  ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   Signature Feature Categories, balances for cash advances are subject to a Variable  We delay enforcing them. We can accept late payments, partial payments or any other 
   Rate which is based on the United States Prime Rate as published in the Money Rates  payments, even if they are marked "paid in full" without losing any of Our rights under 
   section of the Wall Street Journal in effect on the 30th day immediately preceding each  this Agreement. If any provision of this or any related agreement is determined to be 
   Change Date ("Index") plus Our Margin. The Index plus the Margin equals the Interest  unenforceable or invalid, all other provisions remain in full force and effect. 
   Rate. For cash advances, changes in the Index will cause changes in the Interest Rate   
   on the 1st day of each calendar month ("Change Date").  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or 
                                            otherwise have a change of address. 
   For Secured VISA Platinum, advances for purchases are subject to a Variable Rate   
   which is based on the United States Prime Rate as published in the Money Rates section  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   of the Wall Street Journal in effect on the day the discounted introductory rate expires,  delivering to You written notice of the changes as prescribed by the Federal Truth-In-
   and subsequently, on the 30th day immediately preceding each Change Date ("Index")  Lending Act. To the extent permitted by law, the right to change the terms of this 
   plus Our Margin. The Index plus the Margin equals the Interest Rate. For balances for  Agreement includes, but is not limited to, the right to change the periodic rate 
   purchases, changes in the Index will cause changes in the Interest Rate on the day the  applicable to Your unpaid balance and/or future advances. 
   introductory rate expires, and subsequently on the 1st day of each calendar month   
   ("Change Date"). For Secured VISA Platinum, balances for cash advances are subject  CREDIT INSURANCE. Credit insurance is not required for any extension of credit 
   to a Variable Rate which is based on the United States Prime Rate as published in the  under this Agreement. However, You may purchase any credit insurance available 
   Money Rates section of the Wall Street Journal in effect on the 30th day immediately  through Us and have the premiums added to Your outstanding balance. If You elect 
   preceding each Change Date ("Index") plus Our Margin. The Index plus the Margin  to do so, You will be given the necessary disclosures and documents separately. 
   equals the Interest Rate. For cash advances, changes in the Index will cause changes   
   in the Interest Rate on the 1st day of each calendar month ("Change Date").  INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
                                            Disclosure - Federal Truth-In-Lending Act," and/or "Credit Line Account Advance 
   For all VISA Feature Categories, increases or decreases in the Interest Rate will cause  Request and Security Agreement" which is delivered together with this Agreement or 
   like increases or decreases in the Finance Charge and will affect the number of Your  at a later date becomes an integrated part of this Agreement and Disclosure. 
   regularly scheduled payments. For all VISA Feature Categories, Your Interest Rate will   
   never be greater than 18.00% and will apply to Your remaining principal balance.  CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. 
                                            By signing the application; or by using Your Account or any Account access device; 
   OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in  or by authorizing another to use Your Account, You agree to and accept its terms. 
   such increments as We may from time to time determine) to Your share draft account   
   by  an advance  on Your  Overdraft  Protection  Feature  Category, subject to  this  UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
   provision, to clear any overdraft on Your share draft account. To the extent permitted  to update information contained in Your original Account application or other financial 
   by law, such transfer will also include the amount necessary to pay any fees and  information related to You, at Our request. You also agree that We may, from time to 
   charges that are: (a) occasioned by the returned item; and (b) the transfer of funds  time, as We deem necessary, make inquiries pertaining to Your employment, credit 
   required to clear that item. Whether or not such transfers occur will be controlled by  standing,  and  financial  responsibility  in  accordance  with  applicable  laws  and 
   this Agreement. In any event, You hold Us harmless for any and all liability which  regulations. You further agree that We may give information about the status and 
   might otherwise arise if the transfer does not occur. Overdraft protection automatically  payment history of Your Account to consumer credit reporting agencies, a prospective 
   ceases if this Agreement is ever cancelled or terminated or Your Account is in default.  employer or insurer, or a state or federal licensing agency having any apparent 
                                            legitimate business need for such information.  
   PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing   
   all transactions on Your Account including amounts paid and borrowed since Your last  TERMINATION. Either You or We may cancel Your Account or any particular Feature 
   statement. We will mail You a statement each month in which there is a debit or credit  Category of Your Account, at any time, whether or not You are in default. You will, in any 
   balance or when a Finance Charge is imposed. We need not send You a statement if  case, remain liable to pay any unpaid balances according to the terms of Your Account. 
   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  GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
   CORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING  State of Texas, except to the extent that such laws are inconsistent with controlling 
   ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.   federal law. 
                                             
   DEFAULT. You will be in default if: (a) You do not make any payment or perform any  SPECIFIC TERMS APPLICABLE TO YOUR 
   obligation under this Agreement, or any other agreement that You may have with Us;  VISA PLATINUM, SECURED VISA PLATINUM, VISA REWARDS 
   or (b) You should die, become involved in any insolvency, receivership, or custodial  AND VISA SIGNATURE CREDIT CARDS 
   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  USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
   owe money on Your Account; or (d) A judgment or tax lien should be filed against You  place that it is honored and to get cash advances at participating financial institutions. 
   or any attachment or garnishment should be issued against any of Your property or  You agree not to use Your Card for illegal transactions including, but not limited to, 
   rights, specifically including anyone starting an action or proceeding to seize any of  advances made for the purpose of gambling and/or wagering where such practices 
   Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability  are in violation of applicable state and/or federal law. 
   to repay Your indebtedness hereunder is or soon will be impaired, time being of the   
   very essence.                            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 
   Upon any occurrence of default, We may, to the extent permitted by law, cancel Your  immediately upon Our request. 
   rights under this Agreement, require the return of all access devices and declare the   
   entire balance of every Feature Category of Your Account immediately due and  ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your 
   payable, without prior notice or demand. If Your entire Account balance is not then  request, a Personal Identification Number (PIN) for use with participating Automated 
   paid  immediately  upon  default,  and  if  permitted  by  law,  the  Collateral shall be  Teller Machines (ATMs). This PIN is confidential and should not be disclosed to 
   voluntarily surrendered to the Credit Union at a time and place acceptable to it. If this  anyone. You may use Your PIN to access Your Account and all sums advanced will 
   is not done, to the extent permitted by law, the Credit Union may enter the premises  be added to Your Account balance. In the event a use of Your PIN constitutes an 
   where the Collateral is located and take possession of it and the Credit Union may  Electronic Fund Transfer, the terms and conditions of Your Electronic Fund Transfer 
   assert the defense of a superior right of possession as the holder of a security interest  Agreement may also affect Your rights.  
   to any offense of alleged wrongful taking and conversion. The Credit Union may sell   
   or dispose of the Collateral in any manner permitted by law, and any resulting  EFFECT OF AGREEMENT. Even though the sales, cash advance, credit, or other 
   deficiency on Your Account shall be immediately paid to the Credit Union. You further  slips You may sign or receive when using Your Card contain terms, this Agreement is 
   agree that We may, if necessary and at Our option, improve the Collateral from the  the contract which solely applies to all transactions involving the Card. 
   state that it is in at the time of repossession to a state that is considered reasonable   
   and customary for normal use of the Collateral and You agree to reimburse Us for any  UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
   and all costs incurred in the course of such improvements.   You will not be liable for the unauthorized use that occurs after You notify Us of the 
   Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.                           Page 5 of 6                                                                                             OTBS 016 FRB Web SWST (3/21)  
                                                                               Rev. (1/19)  
   loss, theft, or possible unauthorized use by calling Us at (800) 262-5325 or (214) 357- ?  Account information: Your name and Account number. 
   5577 or by writing to Us at 2430 Shorecrest, Dallas, Texas 75235. In any case, Your  ?  Dollar amount: The dollar amount of the suspected error. 
   liability will not exceed $50.00.        ?  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. 
   PRE-AUTHORIZED RECURRING CHARGES. You may, from time to time, establish   
   preauthorized recurring charges be made on Your Account. You understand that any  You must contact Us: 
   such  preauthorized  recurring  charges  will  continue  unless  discontinued  by  You   
   directly with the service provider with whom You preauthorized the recurring charge.  ?  Within 60 days after the error appeared on Your statement. 
                                            ?  At least three business days before an automated payment is scheduled, if You 
   To ensure that recurring preauthorized charges established and authorized by You  want to stop payment on the amount You think is wrong. 
   are not interrupted in the event that Your Card or other Access Device is reissued,   
   We may, but are under no obligation to do so, enroll Your account in automatic  You must notify Us of any potential errors in writing. You may call Us, but if You do 
   account information update services that communicate new Card/Access Device  We are not required to investigate any potential errors and You may have to pay the 
   information to the service providers with whom You have established preauthorized  amount in question. 
   recurring charges, the purpose of which is to ensure charges You authorize continue   
   without interruption.                            What Will Happen After We Receive Your Letter 
                                             
   REFUSAL TO HONOR CARDS. We are not liable for the refusal or inability of  When We receive Your letter, We must do two things: 
   merchants, financial institutions, and others to accept the Cards or electronic terminals   
   to honor the Cards or complete a Card withdrawal, or for their retention of the Cards.  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. 
   FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and foreign  2)  Within 90 days of receiving Your letter, We must either correct the error or 
   currencies, the exchange rate between the transaction currency and the billing currency  explain to You why We believe the bill is correct. 
   (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  While We investigate whether or not there has been an error: 
   vary from the rate VISA itself receives; or (b) the government-mandated rate in effect   
   for the applicable central processing date.  ?  We cannot try to collect the amount in question, or report You as delinquent on 
                                               that amount. 
   For VISA Platinum, Secured VISA Platinum, and VISA Rewards Feature Categories,  ?  The charge in question may remain on Your statement, and We may continue 
   for transactions that are initiated in a foreign currency, You will be charged 2.00% of  to charge You interest on that amount. 
   the final settlement amount, and for transactions occurring in foreign countries and  ?  While You do not have to pay the amount in question, You are responsible for 
   initiated in U.S. Dollars, You will be charged 2.00% of the final settlement amount.  the remainder of Your balance. 
                                            ?  We can apply any unpaid amount against Your Credit Limit. 
   Transactions initiated via the internet with merchants or other parties located outside of   
   the United States of America are deemed to occur in the foreign country where the  After We finish Our investigation, one of two things will happen: 
   merchant or other party is located.       
                                            ?  If We made a mistake: You will not have to pay the amount in question or any 
   LATE CHARGE. If Your payment is more than 10 days late, You will be charged the  interest or other fees related to that amount. 
   lesser of: (a) 20.00% of the minimum payment due (subject to a maximum of $27.00,  ?  If We do not believe there was a mistake: You will have to pay the amount in 
   which amount will be increased to $38.00 if You have incurred a late charge within 6  question, along with applicable interest and fees. We will send You a statement 
   months of previously incurring a late charge); or (b) the amount of the required  of the amount You owe and the date payment is due. We may then report You 
   minimum payment.                            as delinquent if You do not pay the amount We think You owe. 
                                             
   RETURNED PAYMENT. You will be charged the lesser of $30.00 or the required  If You receive Our explanation but still believe Your bill is wrong, You must write to Us 
   minimum payment amount for the returned payment for any check (or other negotiable  within 10 days telling Us that You still refuse to pay. If You do so, We cannot report 
   instrument) used for payment which is returned unpaid.  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 
   OTHER FEES AND CHARGES. You will be charged the following Fees and Charges  let those organizations know when the matter has been settled between Us. If We do 
   associated with the use of Your Card: (a) a cash advance fee FINANCE CHARGE  not follow all of the rules above, You do not have to pay the first $50.00 of the amount 
   equal to the greater of 2.00% of each cash advance (excluding any such advance  You question even if Your bill is correct. 
   obtained online) or $10.00; and (b) a balance transfer fee FINANCE CHARGE equal   
   to 2.99% of each such balance transfer.     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
                                                                 
   TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic  If You are dissatisfied with the goods or services that You have purchased with Your 
   terminal, or financial institution at which transactions were made, but sales, cash  Credit Card, and You have tried in good faith to correct the problem with the merchant, 
   advance, credit, or other slips cannot be returned with the statement.  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: 
   LOST CARDS. To report lost or stolen Credit Cards, You will immediately call Us at   
   (800) 262-5325 or (214) 357-5577 or write to Us at the address shown in this Agreement.   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 
   CREDITS.  If  a merchant  who  honors  Your  Card  gives You credit for  returns  or  $50.00. (Note: Neither of these are necessary if Your purchase was based on 
   adjustments, they will do so by sending Us a slip which will be posted to Your Account.  an advertisement We mailed to You, or if We own the company that sold You 
   If Your credits and payments exceed what You owe Us, We will hold and apply this credit  the goods or services.) 
   against future purchases and cash advances, or if it is $1.00 or more refund it on Your  2)  You must have used Your Credit Card for the purchase. Purchases made with 
   written request or automatically deposit it to Your share account after 6 months.   cash advances from an ATM or with a check that accesses Your Credit Card 
                                               account do not qualify. 
         Your Billing Rights: Keep this Document for Future Use  3)  You must not yet have fully paid for the purchase.  
                                             
   This notice tells You about Your rights and Our responsibilities under the Fair  If all of the criteria above are met and You are still dissatisfied with the purchase, 
   Credit Billing Act.                      contact Us in writing at Our address shown in this Agreement.  
                                             
         What To Do If You Find A Mistake On Your Statement  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  
   If You think there is an error on Your statement, write to Us at Our address shown in  point, if We think You owe an amount and You do not pay, We may report You  
   this Agreement. In Your letter, give Us the following information:  as delinquent. 
                                            
                                            
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                                                                               Rev. (1/19)  
                               Southwest Airlines Federal Credit Union 
                                           www.swacu.org 
                         DALLAS      HOUSTON       PHOENIX        EULESS 
                       2430 Shorecrest  8441 Gulf Frwy., Suite 103  2330 E. Jones Ave, Suite 6  801 W. Euless Blvd, Suite 104 
                       Dallas, TX 75235  Houston, TX 77017  Phoenix, AZ 85040  Euless, TX 76040 
                                             
                        800.262.5325  800.262.5325  800.262.5325  800.262.5325 
                     
                                             
                                             
         PRICING INFORMATION ADDENDUM � CREDIT LINE ACCOUNT 
             AGREEMENT AND FEDERAL DISCLOSURE STATEMENT                    
    THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA CLASSIC, VISA GOLD, VISA SECURE AND MASTERCARD 
    PLATINUM CREDIT CARDS. 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) 
                           VISA Platinum: 0.00% Introductory APR for 12 months. 
    For Purchases 
     
                              After  that,  Your  APR  will  be  8.25%  to  16.25%  depending  on  Your 
     
                              creditworthiness at the time You established Your account. This APR will vary with the 
                              market based on the Prime Rate. 
                               
                           Secured VISA Platinum: 0.00% Introductory APR for 12 months. 
                              After  that,  Your  APR  will  be  8.25%  to  16.25%  depending  on  Your 
                              creditworthiness at the time You established Your account. This APR will vary with the 
                              market based on the Prime Rate. 
                            
                           VISA Rewards: 0.00% Introductory APR for 12 months. 
                             After  that,  Your  APR  will  be  9.25%  to  14.25%  depending  on  Your 
                             creditworthiness at the time You established Your account. This APR will vary with the 
                             market based on the Prime Rate. 
                            
                           VISA Signature: 0.00% Introductory APR for 12 months. 
                             After  that,  Your  APR  will  be 11.25%  to  13.25%  depending  on  Your 
                             creditworthiness at the time You established Your account. This APR will vary with the 
                             market based on the Prime Rate. 
                              
    APR For Balance Transfers  VISA Platinum: 0.00% Introductory APR for 12 months. 
     
                              After that, Your APR will be 8.25% to 16.25% depending on Your creditworthiness at 
                              the time You established Your account. This APR will vary with the market based on 
                              the Prime Rate. 
                               
                           VISA Rewards: 0.00% Introductory APR for 12 months. 
                             After that, Your APR will be 9.25% to 14.25% depending on Your creditworthiness at 
                             the time You established Your account. This APR will vary with the market based on 
                             the Prime Rate. 
                            
                           VISA Signature: 0.00% Introductory APR for 12 months. 
                             After that, Your APR will be 11.25% to 13.25% depending on Your creditworthiness at 
                             the time You established Your account. This APR will vary with the market based on 
                             the Prime Rate. 
                           
                                             
                  Please refer to TOP OF PAGE 2 for more important information about Your Account 
      
      
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    Interest Rate and Interest Charges - continued 
     APR For Cash Advances  VISA Platinum: 18.00% 
                             This APR will vary with the market based on the Prime Rate. 
                            
                           Secured VISA Platinum: 18.00%  
                             This APR will vary with the market based on the Prime Rate. 
                            
                           VISA Rewards: 18.00%  
                             This APR will vary with the market based on the Prime Rate. 
                              
                           VISA Signature: 18.00%  
                              This APR 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 of Your statement closing date. 
                           
    Fees 
                           
     Transaction Fees      
                           
      ?  Cash Advance Fee  2.00% of each advance ($10.00 minimum). 
      ?  Balance Transfer Fee  2.99% of each balance transfer. 
      ?  Foreign Transaction Fee   Except VISA Signature, 2.00% of each transaction in U.S. Dollars. 
                           
    Penalty Fees           
                           
      ?  Returned Payment  Up to $30.00 
      ?  Late Payment      Up to $38.00 
                           
     
    How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 
     
    Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your  
    Account Agreement. 
     
                    Please refer to PAGE 1 for more important information about Your Account 
     
     
     
     
    VISA FINANCE CHARGES. In the case of any transactions under Your VISA Platinum, Secured VISA Platinum, VISA Rewards or VISA Signature Feature Categories, 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 each day, add any new purchases, balance transfers (except Secured VISA Platinum), cash advances, insurance premiums, debit 
    adjustments, or other charges and subtract any payments, credits, and unpaid Finance 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 dally balance subject to a 
    Finance Charge by the applicable Daily Periodic Rate times the number of days in the billing cycle. 
     
    For VISA Platinum, Secured VISA Platinum, VISA Rewards or VISA Signature Feature Categories, 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.  
     
    For VISA Platinum, VISA Rewards or VISA Signature Feature Categories, balance transfers are always subject to a Finance Charge from the later of the date they are posted 
    to Your Account or from the first day of the billing cycle in which the transaction is posted to Your Account. 
     
    For VISA Platinum, Secured VISA Platinum, VISA Rewards or VISA Signature Feature Categories, cash advances are always subject to a Finance Charge from the later of the 
    date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to Your Account. 
     
    VISA Platinum purchase transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%) for 12 
    months Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.044521% (corresponding to an ANNUAL PERCENTAGE 
    RATE of 8.25% - 16.25%), depending on Your creditworthiness. 
     
    VISA Platinum balance transfer transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%) 
    for 12 months. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.044521% (corresponding to an ANNUAL 
    PERCENTAGE RATE of 8.25% - 16.25%), depending on Your creditworthiness. 
     
    VISA Platinum cash advance transactions are subject to a Daily Periodic Rate of 0.049315% (corresponding to an ANNUAL PERCENTAGE RATE of 18.00%). 
     
    Secured VISA Platinum purchase transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%) 
    for 12 months. Upon the expiration of the Introductory Rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.044521% (corresponding to an ANNUAL 
    PERCENTAGE RATE of 8.25% - 16.25%), depending on Your creditworthiness. 
     
     
   Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.                           Page 2 of 3                                                                                           OTBS 016A FRB Web SWST (3/21)  
       
    Secured VISA Platinum cash advance transactions are subject to a Daily Periodic Rate of 0.049315% (corresponding to an ANNUAL PERCENTAGE RATE of 18.00%). 
     
    VISA Rewards purchase transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%) for 12 
    months. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.039041% (corresponding to an ANNUAL PERCENTAGE 
    RATE of 9.25% - 14.25%), depending on Your creditworthiness. 
     
    VISA Rewards balance transfer transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%) 
    for 12 months. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.039041% (corresponding to an ANNUAL 
    PERCENTAGE RATE of 9.25% - 14.25%), depending on Your creditworthiness. 
     
    VISA Rewards cash advance transactions are subject to a Daily Periodic Rate of 0.049315% (corresponding to an ANNUAL PERCENTAGE RATE of 18.00%). 
     
    VISA Signature purchase transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%) for 12 
    months Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.039041% (corresponding to an ANNUAL PERCENTAGE 
    RATE of 11.25% - 13.25%), depending on Your creditworthiness. 
     
    VISA Signature balance transfer transactions are subject to a discounted Introductory Daily Periodic Rate of 0.00% (corresponding ANNUAL PERCENTAGE RATE 0.00%) 
    for 12 months. Upon the expiration of the introductory rate period, Your Daily Periodic Rate will increase to 0.022603% - 0.039041% (corresponding to an ANNUAL 
    PERCENTAGE RATE of 11.25% - 13.25%), depending on Your creditworthiness. 
     
    VISA Signature cash advance transactions are subject to a Daily Periodic Rate of 0.049315% (corresponding to an ANNUAL PERCENTAGE RATE of 18.00%). 
     
    VISA VARIABLE RATE. Your VISA Platinum, Secured VISA Platinum, VISA Rewards and/or VISA Signature Feature Categories are subject to a variable interest rate. 
     
    For VISA Platinum, VISA Rewards, and VISA Signature Feature Categories, advances for purchases and balance transfers are subject to a Variable Rate which is based on the 
    United States Prime Rate as published in the Money Rates section of the Wall Street Journal in effect on the day the discounted introductory rate expires, and subsequently, on 
    the 30th day immediately preceding each Change Date ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. For balances for purchases and balance 
    transfers, changes in the Index will cause changes in the Interest Rate on the day the introductory rate expires, and subsequently on the 1st day of each calendar month ("Change 
    Date"). For VISA Platinum, VISA Rewards, and VISA Signature Feature Categories, balances for cash advances are subject to a Variable Rate which is based on the United 
    States Prime Rate as published in the Money Rates section of the Wall Street Journal in effect on the 30th day immediately preceding each Change Date ("Index") plus Our 
    Margin. The Index plus the Margin equals the Interest Rate. For cash advances, changes in the Index will cause changes in the Interest Rate on the 1st day of each calendar 
    month ("Change Date"). 
     
    For Secured VISA Platinum, advances for purchases are subject to a Variable Rate which is based on the United States Prime Rate as published in the Money Rates section of 
    the Wall Street Journal in effect on the day the discounted introductory rate expires, and subsequently, on the 30th day immediately preceding each Change Date ("Index") plus 
    Our Margin. The Index plus the Margin equals the Interest Rate. For balances for purchases, changes in the Index will cause changes in the Interest Rate on the day the 
    introductory rate expires, and subsequently on the 1st day of each calendar month ("Change Date"). For Secured VISA Platinum, balances for cash advances are subject to a 
    Variable Rate which is based on the United States Prime Rate as published in the Money Rates section of the Wall Street Journal in effect on the 30th day immediately preceding 
    each Change Date ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. For cash advances, changes in the Index will cause changes in the Interest 
    Rate on the 1st day of each calendar month ("Change Date"). 
     
    For all VISA Feature Categories, 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. For all VISA Feature Categories, Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. 
     
    For VISA Platinum purchase transactions, the Margin applicable to Your Account will be 5.00% - 13.00% depending on Your creditworthiness. 
     
    For VISA Platinum balance transfer transactions, the Margin applicable to Your Account will be 5.00% - 13.00% depending on Your creditworthiness. 
     
    For VISA Platinum cash advance transactions, the Margin applicable to Your Account will be 14.75%. 
     
    For Secured VISA Platinum purchase transactions, the Margin applicable to Your Account will be 5.00% - 13.00% depending on Your creditworthiness. 
     
    For Secured VISA Platinum cash advance transactions, the Margin applicable to Your Account will be 14.75%. 
     
    For VISA Rewards purchase transactions, the Margin applicable to Your Account will be 6.00% - 13.00% depending on Your creditworthiness. 
     
    For VISA Rewards balance transfer transactions, the Margin applicable to Your Account will be 6.00% - 13.00% depending on Your creditworthiness. 
     
    For VISA Rewards cash advance transactions, the Margin applicable to Your Account will be 14.75%. 
     
    For VISA Signature purchase transactions, the Margin applicable to Your Account will be 8.00% - 10.00% depending on Your creditworthiness. 
     
    For VISA Signature balance transfer transactions, the Margin applicable to Your Account will be 8.00% - 10.00% depending on Your creditworthiness. 
     
    For VISA Signature cash advance transactions, the Margin applicable to Your Account will be 14.75%. 
     
     
   Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.                           Page 3 of 3                                                                                           OTBS 016A FRB Web SWST (3/21)