CREDIT CARD ACCOUNT
                                                 AGREEMENT AND DISCLOSURE
                                      THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY
                                      FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, PLATINUM CLASSIC VISA,
                                      PLATINUM SECURE VISA AND DIAMOND PREFERRED REWARDS VISA AGREEMENTS, AND
      P.O. BOX 9
   JACKSONVILLE, AR 72078             ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR PLATINUM CLASSIC VISA,
      (501) 982-1000                  PLATINUM SECURE VISA AND DIAMOND PREFERRED REWARDS 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 Diamond Preferred Rewards VISA:_____% - _____% based on Your 8.75 12.75
 (APR) For Purchases creditworthiness.
                       Your APR will vary with the market based on the Prime Rate.
                     Platinum Classic VISA: ______% - ______% based on Your creditworthiness. 6.00 10.75
                       Your APR will vary with the market based on the Prime Rate.
                    Platinum Secure VISA: ______% - ______% based on Your creditworthiness. 14.00 18.00
                       Your APR will vary with the market based on the Prime Rate.
  APR for Balance   Diamond Preferred Rewards VISA: _______% - _______% based on Your creditworthiness. 8.75 12.75
  Transfers
                       Your APR will vary with the market based on the Prime Rate.
                    Platinum Classic VISA: _______% - _______% based on Your creditworthiness. 6.00 10.75
                       Your APR will vary with the market based on the Prime Rate.
                    Platinum Secure VISA: _______% - _______% based on Your creditworthiness. 14.00 18.00
                       Your APR will vary with the market based on the Prime Rate.
  APR for Cash Advances Diamond Preferred Rewards VISA: _______% - _______% based on Your creditworthiness. 8.75 12.75
                       Your APR will vary with the market based on the Prime Rate.
                    Platinum Classic VISA: _______% - _______% based on Your creditworthiness. 6.00 10.75
                       Your APR will vary with the market based on the Prime Rate.
                    Platinum Secure VISA: _______% - _______% based on Your creditworthiness. 14.00 18.00
                             Your 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. We will begin charging interest on cash
                    advances and balance transfers on the transaction date.
  For Credit Card Tips from To learn more about factors to consider when applying for or using a Credit Card, visit the
  the Federal Reserve Board website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
  Fees
  Transaction Fees
  . Foreign Transaction 1.00% of each transaction in U.S. Dollars.
  Penalty Fees
  . Returned Payment Up to $25.00
  . Late Payment     Up to $35.00 after 7 days.
 How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." In all
 cases, see Your Account Agreement for details.
 Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account
 Agreement.
  Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. Page 1 of 4 OTBS 016YCC DC FRB_Web ARKA (8/10)
  DEFINITIONS. In this Agreement, the reference to "We", "Us", "Our" and "Credit Union" mean ARKANSAS FEDERAL CREDIT UNION. 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 Platinum
  Classic VISA, Platinum Secure VISA or Diamond Preferred Rewards VISA Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means
  the Platinum Classic VISA, Platinum Secure VISA or Diamond Preferred Rewards VISA Credit Card Account established for You under this Agreement. "Convenience
  Checks" mean the special Account access devices that We may provide for Your use from time to time.
         Account               Variable Rate          Daily           Annual
      Feature Categories    Margin    Index        Periodic Rate   Percentage Rate
                          __________ __________   ____________%    ____________%
  Platinum Secure VISA
                          __________ __________   ____________%    ____________%
  Platinum Classic VISA
                                                  ____________%    ____________%
  Diamond Preferred Rewards VISA __________ __________
  PROMISE TO PAY. You, as the Borrower, understand that the following Federal amounts paid in excess of the Minimum Monthly Payment will first be applied to
  Disclosure Statement and the terms and conditions found herein constitute Our the balance bearing the highest rate of interest, and then to each successive
  Agreement with You. You may request advances on Your Account through a balance bearing the next highest rate of interest, until the payment is depleted.
  variety of means which could include (but may not be limited to) telephonic
  requests, advance request forms, vouchers, checks, charge slips, Convenience Any unpaid portion of the Finance Charge will be paid by subsequent payments
  Checks, Credit Cards and the like. Regardless of the means by which any and will not be added to Your principal balance. You understand that any delay in
  advance is made, You promise to pay Us all amounts charged to Your Account by the repayment of Your unpaid balance will increase Your periodic Finance
  You or by any user who has access to Your Account, with actual, apparent or Charges and any acceleration in the repayment of Your unpaid balance will
  implied authority for use of Your Account, including Finance Charges and other decrease Your periodic Finance Charges.
  fees or charges described herein.
                                         Minimum Payments will be an amount equal to 3.00% of Your new unpaid
  USE OF YOUR CARD. You may use Your Card to buy goods and services in balance at the end of each billing cycle, subject to the lesser of $20.00 or Your
  any place that it is honored and to get cash advances at participating financial balance, plus any portion of the Minimum Payments shown on prior statement(s)
  institutions. You agree not to use Your Card for illegal transactions including, but which remains unpaid, plus any amount that exceeds Your approved Credit Limit.
  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. LATE CHARGE. If Your payment is more than seven days late, You will be
                                         charged the lesser of: (a) $25.00 (this amount will be $35.00 if You have incurred
  OTHER SECURITY. Collateral (other than household goods or any dwelling) a late charge within 6 months of previously incurring a late charge); or (b) the
                                         amount of the required minimum payment.
  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
                                         OTHER FEES AND CHARGES. You will be charged the lesser of $25.00 for any
  reflected in the "Truth-in-Lending Disclosure" in any particular Agreement
                                         check (or other negotiable instrument used for payment) which is returned unpaid,
  evidencing such debt.
                                         or the required minimum payment amount for the returned payment.
  CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your
                                         FINANCE CHARGES. In the case of any transactions under Your Account, the
  shares with Us (except for IRA and Keogh accounts) and any dividends
                                         balances subject to the periodic Finance Charge are the average daily
  due or to become due to You from Us to the extent You owe on any
                                         transactions balances outstanding during the month (including new transactions).
  unpaid Credit Card balance.
                                         Separate average daily balances are calculated for purchases that are subject to
                                         a discounted rate, purchases that are not subject to a discounted rate, balance
  ACCOUNT RESTRICTIONS. In order to receive and maintain a Platinum Secure
                                         transfers that are subject to a discounted rate, balance transfers that are not
  VISA Credit Card, You agree to give Us a specific pledge of shares which will
                                         subject to a discounted rate, cash advances (including convenience checks) that
  equal Your credit limit. In the event that You default on Your Platinum Secure
                                         are subject to a discounted rate, and cash advances (including convenience
  VISA Credit Card, We may apply these shares toward the repayment of any
                                         checks) that are not subject to a discounted rate.
  amount owed on Your Account. You may cancel Your Platinum Secure VISA
  Credit Card at any time by paying any amounts owed on Your Account. To be
                                         To get the average daily balance for purchases that are subject to a discounted
  certain that Your entire balance and all advances on Your Account are paid, any
                                         rate, We take the beginning balance for purchases that are subject to a
  shares pledged may not be available to You for 30 days after You have cancelled
                                         discounted rate each day, add any new purchases that are subject to a
  and any outstanding balance is paid in full.
                                         discounted rate, debit adjustments or other charges and subtract any payments,
                                         credits and unpaid Finance Charges. This gives Us the daily balance for
  LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for
                                         purchases that are subject to a discounted rate. Then, We add up all the daily
  which You are approved. Unless You are in default, any Credit Limits established balances for purchases that are subject to a discounted rate during the billing
  for You will generally be self-replenishing as You make payments. cycle and divide them by the number of days in the billing cycle. This gives Us the
                                         average daily transactions balances for purchases that are subject to a discounted
  You will keep Your unpaid balance within Your Credit Limit set by Us, and You will rate. To get the average daily balance for purchases that are not subject to a
  pay any amount over Your Credit Limit on Our demand whether or not We discounted rate, We take the beginning balance for purchases that are not subject
  authorize the advances which caused You to exceed Your Credit Limit. Even if to a discounted rate each day, add any new purchases that are not subject to a
  Your unpaid balance is less than Your Credit Limit, You will have no credit discounted rate, debit adjustments or other charges and subtract any payments,
  available during any time that any aspect of Your Account is in default. credits and unpaid Finance Charges. This gives Us the daily balance for
                                         purchases that are not subject to a discounted rate. Then, We add up all the daily
  JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for balances for purchases that are not subject to a discounted rate during the billing
  the repayment of any amounts owed. If any Account access device, such as a cycle and divide them by the number of days in the billing cycle. This gives Us the
  Personal Identification Number (PIN) is requested and approved, You understand average daily transactions balances for purchases that are not subject to a
  that any such Account access device(s) will be mailed only to the primary discounted rate.
  Borrower at the address that We have on file for You. We may refuse to follow
  any instructions which run counter to this provision. To get the average daily balance for balance transfers that are subject to a
                                         discounted rate, We take the beginning balance for balance transfers that are
  MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need subject to a discounted rate each day, add any new balance transfers, debit
  only pay the Minimum Monthly Payments, You understand that You have the right adjustments or other charges and subtract any payments, credits and unpaid
  to repay at any time without penalty. You also understand that You will only be Finance Charges. This gives Us the daily balance for balance transfers that are
  charged periodic Finance Charges to the date You repay Your entire balance. subject to a discounted rate. Then, We add up all the daily balances for balance
  You may make larger payments without penalty. Any partial payment or transfers that are subject to a discounted rate during the billing cycle and divide
  prepayment will not delay Your next scheduled payment. All payments to Us must them by the number of days in the billing cycle. This gives Us the average daily
  be in lawful money of the United States. We may apply each payment to transactions balances for balance transfers that are subject to a discounted rate.
  whichever Feature Category We wish.    To get the average daily balance for balance transfers that are not subject to a
                                         discounted rate, We take the beginning balance for balance transfers that are not
  Payments will be applied in the following order: (a) any Late Charges owing; (b) subject to a discounted rate each day, add any new balance transfers, debit
  any other fees and charges owing; (c) any Finance Charges due; (d) Your adjustments or other charges and subtract any payments, credits and unpaid
  balance for purchases that are subject to a discounted rate; (e) Your balance for Finance Charges. This gives Us the daily balance for balance transfers that are
  purchases that are not subject to a discounted rate; (f) Your balance for balance not subject to a discounted rate. Then, We add up all the daily balances for
  transfers that are subject to a discounted rate; (g) Your balance for cash balance transfers that are not subject to a discounted rate during the billing cycle
  advances that are subject to a discounted rate; (h) Your balance for balance and divide them by the number of days in the billing cycle. This gives Us the
  transfers that are not subject to a discounted rate; and then to (i) Your balance for average daily transactions balances for balance transfers that are not subject to a
  cash advances that are not subject to a discounted rate. As permitted by law, any discounted rate.
  Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. Page 2 of 4 OTBS 016YCC DC FRB_Web ARKA (8/10)
  To get the average daily balance for cash advances (including convenience COLLECTION COSTS. In the event collection efforts are required to obtain
  checks) that are subject to a discounted rate, We take the beginning balance for payment on this Account, to the extent permitted by law, You agree to pay all
  cash advances (including convenience checks) that are subject to a court costs, private process server fees, investigation fees or other costs incurred
  discounted rate each day, add any new cash advances, convenience checks, in collection and reasonable attorneys' fees incurred in the course of collecting
  debit adjustments or other charges and subtract any payments, credits and any amounts owed under this Agreement or in the recovery of any Collateral.
  unpaid finance Charges. This gives Us the daily balance for cash advances
  (including convenience checks) that are subject to a discounted rate. Then, We ENFORCEMENT. We do not lose Our rights under this or any related agreement
  add up all the daily balances for cash advances (including convenience if We delay enforcing them. We can accept late payments, partial payments or
  checks) that are subject to a discounted rate during the billing cycle and divide any other payments, even if they are marked "paid in full" without losing any of
  them by the number of days in the billing cycle. This gives Us the average Our rights under this Agreement. If any provision of this or any related agreement
  daily transactions balances for cash advances (including convenience checks) is determined to be unenforceable or invalid, all other provisions remain in full
  that are subject to a discounted rate. To get the average daily balance for force and effect.
  cash advances (including convenience checks) that are not subject to a
  discounted rate, We take the beginning balance for cash advances (including NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You
  convenience checks) that are not subject to a discounted rate each day, add move or otherwise have a change of address.
  any new cash advances, convenience checks, debit adjustments or other charges
  and subtract any payments, credits and unpaid Finance Charges. This gives CHANGE IN TERMS. We may change the terms of this Agreement by mailing or
  Us the daily balance for cash advances (including convenience checks) that delivering to You written notice of the changes as prescribed by the Federal
  are not subject to a discounted rate. Then, We add up all the daily balances for Truth-In-Lending Act. To the extent permitted by law, the right to change the terms
  cash advances (including convenience checks) that are not subject to a of this Agreement includes, but is not limited to, the right to change the periodic
  discounted rate during the billing cycle and divide them by the number of days rate applicable to Your unpaid balance and/or future advances.
  in the billing cycle. This gives Us the average daily transactions balances for
  cash advances (including convenience checks) that are not subject to a INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional
  discounted rate.                       Disclosure - Federal Truth-In-Lending Act" which is delivered together with this
                                         Agreement or at a later date becomes an integrated part of this Agreement
  The Finance Charge for a billing cycle is computed by multiplying the average and Disclosure.
  daily balance subject to a Finance Charge by the applicable Daily Periodic Rate
  times the number of days in the billing cycle. You can avoid Finance Charges on CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this
  purchases by paying the full amount of the entire balance owed each month within Agreement. By signing the application; or by using Your Account or any Account
  25 days of Your statement closing date. Otherwise, the new balance of access device; or by authorizing another to use Your Account, You agree to and
  purchases, and subsequent purchases from the date they are posted to Your accept its terms.
  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 UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide
  are posted to Your Account or from the first day of the billing cycle in which the facts to update information contained in Your original Account application or other
  transaction is posted to Your Account. 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
  VARIABLE RATE. All credit advances are subject to a Variable Rate which is
                                         applicable laws and regulations. You further agree that We may give information
  based on the highest Prime Rate as published in the Money Rates section of The
                                         about the status and payment history of Your Account to consumer credit reporting
  Wall Street Journal in effect on the 25th day of each calendar month of each year
                                         agencies, a prospective employer or insurer, or a state or federal licensing agency
  ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate.
                                         having any apparent legitimate business need for such information.
  Changes in the Index will cause changes in the Interest Rate on on the first day of
  the billing cycle in the calendar month immediately following any such change in
                                         TERMINATION. Either You or We may cancel Your Account or any particular
  the Index. Increases or decreases in the Interest Rate will cause like increases or
                                         Feature Category of Your Account, at any time, whether or not You are in default.
  decreases in the Finance Charge and will affect the number of Your regularly
                                         You will, in any case, remain liable to pay any unpaid balances according to the
  scheduled payments. Your Interest Rate will never be greater than 18.00% and
                                         terms of Your Account.
  will apply to Your remaining principal balance.
                                         GOVERNING LAW. This Agreement is controlled and governed by the laws of
  OVERDRAFT PROTECTION. We may transfer funds to Your share draft account
                                         the State of Arkansas except to the extent that such laws are inconsistent with
  by an advance on Your Platinum Classic VISA or Diamond Preferred Rewards
                                         controlling federal law.
  VISA Account, subject to this provision, to clear any overdraft on Your share draft
  account. Such transfers will be in increments of $1.00 (or such other amount that
                                         OWNERSHIP. Your Card remains Our property and may be cancelled by Us at
  We may from time to time determine). Whether or not such transfers occur will be
                                         any time without notice. You agree to surrender Your Card and to discontinue its
  controlled by this Agreement. In any event, You hold Us harmless for any and all
                                         use immediately upon Our request.
  liability which might otherwise arise if the transfer does not occur. Overdraft
  protection automatically ceases if this Agreement is ever cancelled or terminated
                                         ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon
  or Your Account is in default.
                                         Your request, a Personal Identification Number (PIN) for use with participating
                                         Automated Teller Machines (ATMs). This PIN is confidential and should not be
  PERIODIC STATEMENTS. On a regular basis, You will receive a statement disclosed to anyone. You may use Your PIN to access Your Account and all sums
  showing all transactions on Your Account including amounts paid and borrowed advanced will be added to Your Account balance. In the event a use of Your PIN
  since Your last statement. We will mail You a statement each month in which constitutes an Electronic Fund Transfer, the terms and conditions of Your
  there is a debit or credit balance or when a Finance Charge is imposed. We need Electronic Fund Transfer Agreement may also affect Your rights.
  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 EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other
  STATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT slips You may sign or receive when using Your Card contain terms, this Agreement
  UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL is the contract which solely applies to all transactions involving the Card.
  TRUTH-IN-LENDING ACT.
                                         UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.
  OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are You will not be liable for the unauthorized use that occurs after You notify Us of
  under no obligation to honor Your Convenience Checks if: (1) by paying a the loss, theft, or possible unauthorized use by calling Us at the telephone number
  Convenience Check, You would exceed Your Credit Limit; (2) Your Cards or shown in this Agreement or by writing to Us at the address shown in this
  Convenience Checks have been reported lost or stolen; and/or (3) Your Account Agreement. In any case, Your liability will not exceed $50.00.
  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 REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not
  responsible for any resulting loss or liability. 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
  DEFAULT. You will be in default if: (a) You do not make any payment or perform Cards or complete a Card withdrawal, or for their retention of the Cards or
  any obligation under this Agreement, or any other agreement that You may have Convenience Checks.
  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 FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and
  misleading statement in Your credit application and/or in Your representations to foreign currencies, the exchange rate between the transaction currency and the
  Us while You owe money on Your Account; or (d) A judgment or tax lien should billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of
  be filed against You or any attachment or garnishment should be issued against rates available in wholesale currency markets for the applicable central processing
  any of Your property or rights, specifically including anyone starting an action or date, which rate may vary from the rate VISA itself receives; or (b) the
  proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, government-mandated rate in effect for the applicable central processing date. For
  in good faith, believe Your ability to repay Your indebtedness hereunder is or transactions that are initiated in a foreign currency, You will be charged 1.00% of
  soon will be impaired, time being of the very essence. 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.
  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 TRANSACTION SLIPS. Your monthly statement will identify that merchant,
  declare the entire balance of Your Account immediately due and payable, without electronic terminal or financial institution at which transactions were made, but
  prior notice or demand.                sales, cash advances, credit or other slips cannot be returned with the statement.
  Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. Page 3 of 4 OTBS 016YCC DC FRB_Web ARKA (8/10)
 LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards . The charge in question may remain on Your statement, and We may
 or Convenience Checks, You will immediately call Us at the telephone number continue to charge You interest on that amount.
 shown in this Agreement or write to Us at the address shown in this Agreement. . While You do not have to pay the amount in question, You are responsible
                                           for the remainder of Your balance.
 CREDITS. If a merchant who honors Your Card gives You credit for returns or . We can apply any unpaid amount against Your Credit Limit.
 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 After We finish Our investigation, one of two things will happen:
 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 . If We made a mistake: You will not have to pay the amount in question or
 account after six months.                 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
       Your Billing Rights: Keep this Document for Future Use 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
 This notice tells You about Your rights and Our responsibilities under the Fair
                                           as delinquent if You do not pay the amount We think You owe.
 Credit Billing Act.
                                         If You receive Our explanation but still believe Your bill is wrong, You must
       What To Do If You Find A Mistake On Your Statement
                                         write to Us within 10 days telling Us that You still refuse to pay. If You do
 If You think there is an error on Your statement, write to Us at: Arkansas Federal so, We cannot report You as delinquent without also reporting that
 Credit Union, P.O. Box 9, Jacksonville, AR 72078. In Your letter, give us the You are questioning Your bill. We must tell You the name of anyone to whom we
 following information:                  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
  . Account information: Your name and Account number. do not have to pay the first $50 of the amount You question even if Your bill
  . Dollar amount: The dollar amount of the suspected error. is correct.
  . 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. Your Rights If You Are Dissatisfied With Your Credit Card Purchases
 You must contact Us:                    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
  . Within 60 days after the error appeared on Your statement. merchant, You may have the right not to pay the remaining amount due on the
  . At least 3 business days before an automated payment is scheduled, if purchase. To use this right, all of the following must be true:
   You want to stop payment on the amount You think is wrong.
                                         1) The purchase must have been made in Your home state or within 100 miles of
 You must notify Us of any potential errors in writing. You may call Us, but if You do Your current mailing address, and the purchase price must have been more
 We are not required to investigate any potential errors and You may have to pay
                                           than $50. (Note: Neither of these are necessary if Your purchase was based on
 the amount in question.
                                           an advertisement We mailed to You, or if We own the company that sold You
                                           the goods or services.)
         What Will Happen After We Receive Your Letter 2) You must have used Your Credit Card for the purchase. Purchases made with
                                           cash advances from an ATM or with a check that accesses Your Credit Card
 When We receive Your letter, We must do two things:
                                           account do not qualify.
                                         3) You must not yet have fully paid for the purchase.
 1) Within 30 days of receiving Your letter, We must tell You that We received
   Your letter. We will also tell You if We have already corrected the error.
 2) Within 90 days of receiving Your letter, We must either correct the error or If all of the criteria above are met and You are still dissatisfied with the purchase,
   explain to You why We believe the bill is correct. contact Us in writing at Our address shown in this Agreement.
 While We investigate whether or not there has been an error: 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
  . We cannot try to collect the amount in question, or report You as point, if We think You owe an amount and You do not pay, We may report You
   delinquent on that amount.            as delinquent.
  Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. Page 4 of 4 OTBS 016YCC DC FRB_Web ARKA (8/10)
                                            PRICING INFORMATION ADDENDUM
                                                       CREDIT CARD ACCOUNT
                                                 AGREEMENT AND DISCLOSURE
      P.O. BOX 9
                                      THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR
   JACKSONVILLE, AR 72078
      (501) 982-1000                  PLATINUM CLASSIC VISA, PLATINUM SECURE VISA AND DIAMOND PREFERRED
                                      REWARDS VISA CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS ADDENDUM
                                      CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
 Interest Rate and Interest Charges
 Annual Percentage Rate Diamond Preferred Rewards VISA: 8.75% - 12.75% based on Your creditworthiness.
 (APR) For Purchases
                      Your APR will vary with the market based on the Prime Rate.
                    Platinum Classic VISA:6.00% - 10.75% based on Your creditworthiness.
                      Your APR will vary with the market based on the Prime Rate.
                    Platinum Secure VISA: 14.00% - 18.00% based on Your creditworthiness.
                       Your APR will vary with the market based on the Prime Rate.
 APR for Balance    Diamond Preferred Rewards VISA: 8.75% - 12.75% based on Your creditworthiness.
 Transfers
                      Your APR will vary with the market based on the Prime Rate.
                    Platinum Classic VISA: 6.00% - 10.75% based on Your creditworthiness.
                      Your APR will vary with the market based on the Prime Rate.
                    Platinum Secure VISA: 14.00% - 18.00% based on Your creditworthiness.
                       Your APR will vary with the market based on the Prime Rate.
  APR for Cash Advances Diamond Preferred Rewards VISA: 8.75% - 12.75% based on Your creditworthiness.
                      Your APR will vary with the market based on the Prime Rate.
                    Platinum Classic VISA: 6.00% - 10.75% based on Your creditworthiness.
                      Your APR will vary with the market based on the Prime Rate.
                    Platinum Secure VISA: 14.00% - 18.00% based on Your creditworthiness.
                       Your 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. We will begin charging interest on cash advances
                    and balance transfers on the transaction date.
                  SEE TOP OF PAGE 2 for more important information about Your Account
  Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. Page 1 of 3 OTBS 016AYCC DC FRB_Web ARKA (8/10)
  Fees
  Transaction Fees
  . Foreign Transaction 1.00% of each transaction in U.S. Dollars.
  Penalty Fees
  .
    Returned Payment Up to $25.00
  .
    Late Payment    Up to $35.00 after 7 days.
  How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." For all
  other Feature Categories, We use a method called "daily balance (including new purchases)." In all cases, see Your Account
  Agreement for details.
  Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account
  Agreement.
  FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily
  transactions balances outstanding during the month (new and previous). Separate average daily balances are calculated for purchases that are
  subject to a discounted rate, purchases that are not subject to a discounted rate, balance transfers that are subject to a discounted rate, balance
  transfers that are not subject to a discounted rate, cash advances (including convenience checks) that are subject to a discounted rate, and cash
  advances (including convenience checks) that are not subject to a discounted rate.
  To get the average daily balance for purchases that are subject to a discounted rate, We take the beginning balance for purchases that are subject to
  a discounted rate each day, add any new purchases that are subject to a discounted rate, debit adjustments or other charges and subtract any
  payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases that are subject to a discounted rate. Then, We add up
  all the daily balances for purchases that are subject to a discounted rate during the billing cycle and divide them by the number of days in the billing
  cycle. This gives Us the average daily transactions balances for purchases that are subject to a discounted rate. To get the average daily balance for
  purchases that are not subject to a discounted rate, We take the beginning balance for purchases that are not subject to a discounted rate each day,
  add any new purchases that are not subject to a discounted rate, debit adjustments or other charges and subtract any payments, credits and unpaid
  Finance Charges. This gives Us the daily balance for purchases that are not subject to a discounted rate. Then, We add up all the daily balances for
  purchases that are not subject to a discounted rate during the billing cycle and divide them by the number of days in the billing cycle. This gives Us
  the average daily transactions balances for purchases that are not subject to a discounted rate.
  To get the average daily balance for balance transfers that are subject to a discounted rate, We take the beginning balance for balance transfers that
  are subject to a discounted rate each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and
  unpaid Finance Charges. This gives Us the daily balance for balance transfers that are subject to a discounted rate. Then, We add up all the daily
  balances for balance transfers that are subject to a discounted rate during the billing cycle and divide them by the number of days in the billing cycle.
  This gives Us the average daily transactions balances for balance transfers that are subject to a discounted rate. To get the average daily balance for
  balance transfers that are not subject to a discounted rate, We take the beginning balance for balance transfers that are not subject to a discounted
  rate each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges.
  This gives Us the daily balance for balance transfers that are not subject to a discounted rate. Then, We add up all the daily balances for balance
  transfers that are not subject to a discounted rate during the billing cycle and divide them by the number of days in the billing cycle. This gives Us
  the average daily transactions balances for balance transfers that are not subject to a discounted rate.
  To get the average daily balance for cash advances (including convenience checks) that are subject to a discounted rate, We take the beginning
  balance for cash advances (including convenience checks) that are subject to a discounted rate each day, add any new cash advances, convenience
  checks, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash
  advances (including convenience checks) that are subject to a discounted rate. Then, We add up all the daily balances for cash advances (including
  convenience checks) that are subject to a discounted rate during the billing cycle and divide them by the number of days in the billing cycle. This
  gives Us the average daily transactions balances for cash advances (including convenience checks) that are subject to a discounted rate. To get the
  average daily balance for cash advances (including convenience checks) that are not subject to a discounted rate, We take the beginning balance for
  cash advances (including convenience checks) that are not subject to a discounted rate each day, add any new cash advances, convenience checks,
  debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash
  advances (including convenience checks) that are not subject to a discounted rate. Then, We add up all the daily balances for cash advances
  (including convenience checks) that are not subject to a discounted rate during the billing cycle and divide them by the number of days in the billing
  cycle. This gives Us the average daily transactions balances for cash advances (including convenience checks) that are not subject to a discounted
  rate.
  The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the applicable Daily
  Periodic Rate times the number of days in the billing cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire
  balance owed each month within 25 days 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 transaction is posted to Your
  Account.
  Your Platinum Classic VISA Feature Category will be subject to a variable Daily Periodic Rate of 0.016438% - 0.029452% (corresponding to an
  ANNUAL PERCENTAGE RATE of 6.00% - 10.75%), depending on Your creditworthiness.
  Your Diamond Preferred Rewards VISA Feature Category will be subject to a variable Daily Periodic Rate of 0.023973% - 0.034932% (corresponding
  to an ANNUAL PERCENTAGE RATE of 8.75% - 12.75%), depending on Your creditworthiness.
  Your Platinum Secure VISA Feature Category will be subject to a variable Daily Periodic Rate of 0.038356% - .049315% (corresponding to an
  ANNUAL PERCENTAGE RATE of 14.00% - 18.00%), depending on Your creditworthiness.
  Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. Page 2 of 3 OTBS 016AYCC DC FRB_Web ARKA (8/10)
  VARIABLE RATE. All credit 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 25th day of each calendar month 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 calendar
  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. Your Interest Rate will never be greater than 18.00% and will
  apply to Your remaining principal balance.
  Your Margin will be determined by Your creditworthiness, and for Platinum Classic VISA the Margin will be 2.75% - 7.50%, whereas the Margin for
  Diamond Preferred Rewards VISA will be 5.50% - 9.50% and the Margin for Platinum Secure VISA will be 10.75% - 14.75%.
  Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. Page 3 of 3 OTBS 016AYCC DC FRB_Web ARKA (8/10)