CREDIT LINE ACCOUNT AGREEMENT AND DISCLOSURE
THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING
DISCLOSURE STATEMENTS, FIRST TIME USER VISA, LOW RATE VISA, SHARE SECURED VISA, WSUAA AFFINITY
VISA AND WSUAA AFFINITY REWARDS VISA, AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE
USE OF YOUR FIRST TIME USER VISA, WSUAA AFFINITY VISA, WSUAA AFFINITY REWARDS VISA, LOW RATE VISA
AND SHARE SECURED VISA, 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

First Time User VISA: _________%

Share Secured VISA: _________%

Low Rate VISA: _________%

Your APR will vary with the market based on the Prime Rate.

WSUAA Affinity VISA: _________%

Your APR will vary with the market based on the Prime Rate.

WSUAA Affinity Rewards VISA: _________%

Your APR will vary with the market based on the Prime Rate.

Annual Percentage Rate
(APR) For Balance Transfers

First Time User VISA: _______%

Share Secured VISA: _______%

Low Rate VISA: _________%

Your APR will vary with the market based on the Prime Rate.

WSUAA Affinity VISA: _________%

Your APR will vary with the market based on the Prime Rate.

WSUAA Affinity Rewards VISA: _________%

Your APR will vary with the market based on the Prime Rate.

Annual Percentage Rate
(APR) For Cash Advances

First Time User VISA: _________%

Share Secured VISA: _________%

Low Rate VISA: _________%

Your APR will vary with the market based on the Prime Rate.

WSUAA Affinity VISA: _________%

Your APR will vary with the market based on the Prime Rate.

WSUAA Affinity Rewards VISA: _________%

Your APR will vary with the market based on the Prime Rate.

ReadyLine: _________%

Stretch Pay Line of Credit: _________%

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SEE PAGE 2 for more important information about Your Account

Copyright Oak Tree Business Systems, Inc., 2001-2015. All Rights Reserved.

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OTBS 016 WRIT (3/15)

17.9912.506.50-14.506.50-14.509.50-17.5017.9912.506.50-14.506.50-14.509.50-17.50up to 17.9018.0017.9912.506.50-14.506.50-14.509.50-17.50Interest Rate and Interest Charges (continued)

Penalty APR And When it
Applies

18.00%

This APR may be applied to Your VISA Feature Category if You:
1) Make a late payment.

How Long Will The Penalty APR Apply? If Your APRs are increased for this
reason, for transactions that You make prior to the effective date of the increase, the
Penalty Rate will apply until You make the next six consecutive minimum payments
when due. For transactions that You make after the effective day of the increase, the
Penalty Rate may be applied indefinitely.

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.

For all Feature Categories, We will begin charging interest on cash advances and
balance transfers on the transaction date.

For Credit Card Tips from
the Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a Credit Card, visit the
website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

Transaction Fees

.

Foreign Transaction

Penalty Fees

.
.

Returned Payment
Late Payment

For StretchPay Line of Credit, $25.00, $35.00 or $70.00 depending on Your approved
credit limit.

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For VISA, 1.00% of each foreign currency transaction in U.S. dollars.
For VISA, 1.00% of each U.S. Dollar transaction that occurs in a foreign country.

For VISA up to $25.00
For VISA up to $20.00 after 4 days
Except for VISA, 5.00% of the payment due after 9 days

How We Will Calculate Your Balance: For all Feature Categories (except VISA), 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

Copyright Oak Tree Business Systems, Inc., 2001-2015. All Rights Reserved.

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OTBS 016 WRIT (3/15)

Interest Rate and Interest Charges (continued)
In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean WRIGHT-PATT CREDIT UNION, INC. The words "You" and "Your" mean each person
accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any First Time User VISA, Low Rate
VISA, Share Secured VISA, WSUAA Affinity VISA or WSUAA Affinity Rewards VISA, Credit Card issued to You by Us and any duplicates or renewals. "Convenience
Checks" mean the special Account access devices that We may provide for Your use from time to time.

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. Your Account may be accessible through a variety of means which could include advance request forms, vouchers, checks, charge
slips, Convenience Checks, Credit Cards 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.

FEATURE CATEGORIES. Your Account has Feature Categories which may include ReadyLine (including Overdraft Protection), StretchPay Line of Credit, First Time
User VISA, Low Rate VISA, Share Secured VISA, WSUAA Affinity VISA and WSUAA Affinity Rewards VISA.

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ADVANCES. Whenever You request a transaction, We may require You to prove
Your identity. If You request an advance by telephone, We will deposit the amount
requested in Your share account or Your share draft account and You authorize
Us to do this, or We may draw a draft or check made payable to You and mail it
to You. When the amount advanced appears on a subsequent statement, that will
be conclusive evidence of Your telephone request. You understand that whether
Fees
or not any specific secured advance request is approved may be determined
by how much equity You have or will have in the shares and/or collateral offered
as security.

For advances under Your StretchPay
advances must be equal to Your approved Credit Limit.

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Line of Credit Feature Category, all

SECURITY. As permitted by law, to secure all transactions under this Agreement
in either joint or individual Accounts, We have the right to impress and enforce a
statutory lien against Your shares on deposit 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 that You owe on any unpaid balance on Your Account and We may enforce
Our right to do so without further notice to You. Additionally, You agree that We
may set-off any mutual indebtedness.

You acknowledge that You own any shares and/or collateral pledged as security
and that there are no other liens against them other than Ours. You agree to
perform all acts which are necessary to make Our security interest in the shares
and/or collateral being pledged enforceable.

All certificates which are pledged as Collateral must be renewed until Your
outstanding balance is paid in full. Failure to renew any certificates securing any
advance will cause Your entire outstanding Account balance to become
immediately due and payable.

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.

LIEN ON SHARES. If You have been issued a Credit Card, You grant and
consent to a lien on Your shares with Us (except for IRA, Keogh and
Health Savings accounts) and any dividends due or to become due to You
from Us to the extent You owe on any unpaid Credit Card balance.

ACCOUNT RESTRICTIONS. In order to receive and maintain a Share Secured
VISA Feature Category, 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
Share Secured VISA Category. You may cancel Your Share Secured VISA
Account at any time by paying any amounts owed on Your Secured VISA Feature
Category. 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 and any outstanding balance is paid in full.

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Line of Credit Feature Category,
In order to receive and maintain a StretchPay
You agree to give Us a specific pledge of shares at the time of Your initial
advance on Your StretchPay
Line of Credit, which will equal 10.00% of Your
Credit Limit. The funds required for this pledge will be deducted from the amount
advanced and deposited into Your share account. In the event that You default on
Your StretchPay
Line of Credit Feature Category, We may apply these shares
toward the repayment of any amount owed on such Feature Category. The shares
originally pledged will be released upon Our termination and closure of such
Feature Category although they may not be available to You for 30 days after any
outstanding balance is paid in full.

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LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for
each Feature Category for which You are approved. Unless You are in default,
any Credit Limits established for You will generally be self-replenishing as You
make payments.

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 Identification Number (PIN) is requested and approved, You understand
that any such Account access device(s) will be mailed only to the primary
Borrower at the address that We have on file for You. We may refuse to follow any
instructions which run counter to this provision.

MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need
only pay the Minimum Monthly Payments, You understand that You have the right
to repay at any time without penalty. You also understand that You will only be
charged periodic Finance Charges to the date You repay Your entire balance.
You may make larger payments without penalty. Any partial payment or
prepayment will not delay Your next scheduled payment. All payments to Us must
be in lawful money of
to
whichever Feature Category We wish. For all Feature Categories (except VISA),
payments will be applied first to any Late Charges owing, then to the Finance
Charge due, then to the outstanding principal balance. Except as required by law,
the order in which We may apply VISA payments is at Our discretion. Any unpaid
portion of the Finance Charge will be paid by subsequent payments and will not
be added to Your principal balance. You understand that any delay in the
repayment of Your unpaid balance will increase Your periodic Finance Charges
and any acceleration in the repayment of Your unpaid balance will decrease Your
periodic Finance Charges.

the United States. We may apply each payment

ReadyLine Minimum Payments will be an amount equal to 3.00% of Your new
unpaid ReadyLine balance at the end of each billing cycle, subject to the lesser of
$20.00 or Your balance, plus any portion of the Minimum Payments shown on
prior statement(s) which remains unpaid, plus any amount that exceeds Your
approved Credit Limit.

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StretchPay
Line of Credit Minimum Payments will be disclosed to You at the
time of each advance on a separate page titled "Credit Line Account Advance
Request and Security Agreement."

VISA Minimum Payments will be an amount equal to 2.00% of Your new unpaid
balance at the end of each billing cycle, subject to the lesser of $20.00 or Your
balance, plus any portion of the Minimum Payments shown on prior statement(s)
which remains unpaid, plus any amount that exceeds Your approved Credit Limit.

You may, by separate agreement, authorize Us to charge Your payment directly
to Your share or share draft account.

LATE CHARGE (EXCEPT FOR VISA). If Your payment is 10 or more days late,
You will be charged 5.00% of the payment due.

OTHER FEES AND CHARGES (EXCEPT FOR VISA). For all Feature
Categories (except VISA), You will be charged a $75.00 FINANCE CHARGE
each time You request and We agree to lower
the periodic rate and
corresponding Annual Percentage Rate applicable to such Feature Category.

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Line of Credit program. StretchPay

LINE OF CREDIT ANNUAL MEMBERSHIP FEE. StretchPay

STRETCHPAY
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Line of Credit Accountholders with approved Credit Limits of $150.00 will be
charged a $25.00 Annual Membership Fee for continued participation in the
Line of Credit Accountholders
StretchPay
with approved Credit Limits of $250.00 will be charged a $35.00 Annual
Membership Fee for continued participation in the StretchPay
Line of Credit
program. StretchPay
Line of Credit Accountholders with approved Credit Limits
of $500.00 will be charged a $70.00 Annual Membership Fee for continued
participation in the StretchPay
Line of Credit program. This fee is required each
to continue credit availability whether or not You use Your Account
year
throughout the year.

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FINANCE CHARGES (EXCEPT FOR VISA). A Finance Charge will be assessed
on any unpaid principal balance for each Feature Category of Your Account for
the period such balance is outstanding. Balances change each time advances are
made, payments are made or credits given under any Feature Category. The
Finance Charge begins to accrue on the date of each advance and there is no
grace period.

You will keep Your unpaid balance within Your Credit Limit set by Us, and You will
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 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.

HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT FOR VISA). For all
Feature Categories (except
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 applicable Daily Periodic Rate. The unpaid balance is the
balance each day after payments, credits, and unpaid Finance Charges to that

for VISA),

Copyright Oak Tree Business Systems, Inc., 2001-2015. All Rights Reserved.

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OTBS 016 WRIT (3/15)

balance have been subtracted and any new advances, insurance premiums or
other charges have been added to 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 accounted for. The total Finance
Charge You owe on Your Account for each billing cycle is the sum of all the
Finance Charges due for all applicable Feature Categories.

VISA FINANCE CHARGES. In the case of any transactions under Your VISA
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 of
Your Account each day, add any new purchases, 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 daily balance subject to a Finance Charge by the Monthly
Periodic Rate.

You can avoid Finance Charges on purchases by paying the full amount of
the entire balance owed each month within 25 days of Your statement
closing date. Otherwise,
the new balance of purchases, and subsequent
purchases from the date they are posted to Your Account, will be subject to a
Finance Charge. Cash advances and 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 cash advance is posted to
Your Account.

VARIABLE RATE (EXCEPT LOW RATE VISA). If Your Feature Category is
subject to a Variable Rate, advances are subject to a Variable Rate which is
based on the highest 26-Week United States Treasury Bill Rate as published in
the Money Rates section of The Wall Street Journal in effect on the day that any
introductory rate period expires, and subsequently, on the last day of each
calendar quarter of each year, rounded to the nearest .10% ("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 day that any introductory rate period
expires, and subsequently, on the first day of the month immediately following any
such change in the index. Increases or decreases in the Interest Rate will cause
like increases or decreases in the Finance Charge and will affect the number of
Your regularly scheduled payments. Other than the maximum and minimum
Interest Rates that can apply at any time, Your Interest Rate will never increase or
decrease by more than 2.00 percentage points on any change date nor more than
8.00 percentage points during any 12-consecutive-month period. Your Interest
Rate will never be greater than the lesser of 25.00% or the Margin plus 16.00%,
nor less than the greater of 5.00% or the Margin plus 5.00% (except for VISA),
and in all cases will apply to Your remaining principal balance.

WSUAA AFFINITY VISA AND WSUAA AFFINITY REWARDS VISA VARIABLE
RATE. All advances are subject to a Variable Rate which is based on the highest
26-Week United States Treasury Bill Rate as published in the Money Rates
section of The Wall Street Journal in effect on the day that any introductory rate
period expires, and subsequently, on the last day of each calendar quarter of each
year, rounded up to the nearest .10% ("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 day that any introductory rate period expires, and
subsequently, on the first day of the month immediately following any such change
in the index. Increases or decreases in the Interest Rate will cause like increases
or decreases in the Finance Charge and will affect the number of Your regularly
scheduled payments. Other than the maximum and minimum Interest Rates that
can apply at any time, Your Interest Rate will never increase or decrease by more
than 2.00 percentage points on any change date nor more than 8.00 percentage
points during any 12-consecutive-month period. Your Interest Rate will never be
greater than the lesser of 25.00% or the Margin plus 16.00%, nor less than the
greater of 5.00% or the Margin plus 5.00% (except for VISA), and in all cases will
apply to Your remaining principal balance.

LOW RATE VISA VARIABLE RATE. Low Rate VISA advances are subject to a
Variable Rate which is based on the highest Prime Rate as published in the
Money Rates section of The Wall Street Journal in effect on the last day of each
calendar quarter of each year ("Index") plus Our Margin. The Index plus the
Margin equals the Interest Rate. Changes in the Index will cause changes in the
Interest Rate on the first day of the billing cycle in the month immediately following
any such change in the index. Increases or decreases in the Interest Rate will
cause like increases or decreases in the Finance Charge and will affect the
number of Your regularly scheduled payments. Other than the maximum and
minimum Interest Rates that can apply at any time, Your Interest Rate will never
increase or decrease by more than 1.00 percentage point on any change date.
Your Interest Rate will never be greater than 25.00%, and will apply to Your
remaining principal balance.

For the applicable Index, Margin, Daily or Monthly Periodic Rates and
corresponding Annual Percentage Rates for all Feature Categories, refer to
the separate page titled Additional Disclosure - Federal Truth-In-Lending
Act" and/or
"Credit Line Account Advance Request And Security
Agreement" which We have included with and made a part of
this Agreement.

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 ReadyLine Feature Category, 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 STATEMENTS. 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 month 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.

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.

Upon any occurrence of default, We may, to the extent permitted by law, cancel
Your 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 payable, without prior notice or demand.

COLLECTION COSTS.
In the event collection efforts are required to obtain
payment on this Account, to the extent permitted by law, You agree to pay all
court costs, private process server fees, investigation fees or other costs incurred
in collection and reasonable attorneys' fees incurred in the course of collecting
any amounts owed under this Agreement or in 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.

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.

CREDIT INSURANCE. Credit insurance is not required for any extension of
credit under this Agreement. However, You may purchase any credit insurance
available through Us and have the premiums added to Your outstanding
balance. If You elect to do so, You will be given the necessary disclosures and
documents separately.

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional
Disclosure - Federal Truth-In-Lending Act," "Additional Disclosure" and/or "Credit
Line Account Advance Request and Security Agreement" which is delivered
together with this Agreement or at a later date becomes an integrated part of this
Agreement and Disclosure.

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; or by authorizing another to use Your Account, You agree to and
accept its terms.

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide
facts to update information contained in Your original Account application 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
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.

the status and payment history of Your Account

TERMINATION. Either You or We may cancel Your Account or any particular
Feature Category of Your Account, at any time, whether or not You are in default.

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OTBS 016 WRIT (3/15)

You will, in any case, remain liable to pay any unpaid balances according to the
terms of Your Account.

GOVERNING LAW. This Agreement is controlled and governed by the laws of the
State of Ohio except to the extent that such laws are inconsistent with controlling
federal law.

SPECIFIC TERMS APPLICABLE TO YOUR FIRST TIME USER VISA, LOW RATE
VISA, SHARE SECURED VISA, WSUAA AFFINITY VISA AND WSUAA
AFFINITY REWARDS VISA CREDIT CARDS

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 at participating financial
institutions. 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.

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or
other slips You may sign or receive when using Your Card contain terms,
this Agreement is the contract which solely applies to all transactions involving
the Card.

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 of
the loss,
the telephone
number shown in this Agreement or by writing to Us at the address shown in this
Agreement. In any case, Your liability will not exceed $50.00.

theft, or possible unauthorized use by calling Us at

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.

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
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 1.00% of the final settlement amount.

receives; or

(b)

TRANSACTION SLIPS. Your monthly statement will
electronic terminal or financial
sales, cash advances, credit or other slips cannot be returned with the statement.

identify that merchant,
institution at which transactions were made, but

LATE CHARGE. If Your payment is five or more days late, You will be charged
the lesser of: (a) the amount of the minimum payment due; or (b) $20.00.

OTHER FEES AND CHARGES. You will be charged the lesser of $25.00 for any
check (or other negotiable instrument used for payment) which is returned unpaid,
or the required minimum payment amount for the returned payment.

VISA PENALTY RATE. If Your VISA Feature Category is more than 60 days past
due, subject to applicable law, the Monthly Periodic Rate applicable to Your entire
balance of transactions existing at that time and in the future will
increase to
1.50% (corresponding ANNUAL PERCENTAGE RATE 18.00%).

During the six month period following the effective date of the increase upon
receipt of the first six consecutive required minimum periodic payments when due,
the rate applicable to the balance of transactions that occurred prior to such
increase will be returned to the standard rate that would have otherwise been
in effect.

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit
Cards or Convenience Checks, You will immediately call Us at or write to Us at the
address shown in this Agreement.

CREDITS. If a merchant who honors Your Card gives You credit for returns or
adjustments, they 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.

Your Billing Rights: Keep this Document for Future Use

This notice tells You about Your rights and Our responsibilities under the Fair
Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If You think there is an error on Your statement, write to Us at Our address shown
in this Agreement. In Your letter, give us the following information:

.
.
.

Account information: Your name and Account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If You think there is an error on Your bill, describe
what You believe is wrong and why You believe it is a mistake.

You must contact Us:
.
.

Within 60 days after the error appeared on Your statement.
At least three business days before an automated payment is scheduled, if
You want to stop payment on the amount You think is wrong.

You must notify Us of any potential errors in writing. You may call Us, but if You
do We are not required to investigate any potential errors and You may have to
pay the amount in question.

What Will Happen After We Receive Your Letter

When We receive Your letter, We must do two things:

1)

2)

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.
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
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.

in question, or

report You as

the amount

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 $50.00 of the amount You question even if Your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If You are dissatisfied with the goods or services that You have purchased with
Your Credit Card, and You have tried in good faith to correct the problem with the
merchant, You may have the right not to pay the remaining amount due on the
purchase. To use this right, all of the following must be true:

1)

2)

3)

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 $50.00. (Note: Neither of these are necessary if Your
purchase was based on an advertisement We mailed to You, or if We own
the company that sold You the goods or services.)
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.
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., 2001-2015. All Rights Reserved.

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