CREDIT LINE ACCOUNT AGREEMENT AND DISCLOSURE Premier mer rr VIC | tris ts YOUR CREDIT LUNE ACCOUNT AGREEMENT ANP IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING CREDIT u oN £ © WN | DISCLOSURE STATEMENTS AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR CLASSIC VISA, NEW . GENERATION VISA, STANDARD MASTERCARD, STANDARD MASTERCARD STUDENT PROGRAM, SECURED 19867 Prairie Street STANDARD MASTERCARD, PLATINUM MASTERCARD, SECURED PLATINUM MASTERCARD AND PREMIUM TRAVEL Chatsworth, CA $1311 MASTERCARD CREDIT CARDS AND ANY OTHER ACCOUNT ACCESS DEVICES. PLEASE READ THIS AGREEMENT {800) 772-4000 (818) 772-4000 CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.          interest Rate and In erest Charges Annual Percentage | Standard MasterCard: 10.15 % = 17.15 % based on Your creditworthiness. Rate (APR) For This APR will vary with the market based on the Prime Rate.           Purchases Standard MasterCard Student Program: 8.90 % introductory APR for 6 months. After that, Your APR wiil be 11 .00 % “ i1 .00 % based on Your creditworthiness and will vary with the market based on the Prime Rate. Secured Standard MasterCard: 12.15 % al 19.15 % based on Your creditworthiness. This APR will vary with the market based on the Prime Rate. Platinum MasterCard: 6.90 % introductory APR for 6 months. After that, Your APR will be 9.25 % = 17.00 % based on Your creditworthiness and will vary with the market based on the Prime Rate. Secured Platinum MasterCard: 7.00 % = 14.50 % based on Your creditworthiness. This APR will vary with the market based on the Prime Rate. Premium Travel MasterCard: 9.50 % = 17.00 % based on Your creditworthiness. This APR will vary with the market based on the Prime Rate. Classic VISA: 1 5.40 % New Generation VISA: 1 5.40 % Annual Standard MasterCard: 10.15% - 17.15% based on Your creditworthiness. This APR will vary with the market based on the Prime Rate.   Percentage Rate (APR) For Balance Transfers Standard MasterCard Student Program: ___ 8-90 % introductory APR for 6 months. After that, Your APR willbe 17.00%. 11.00% based on Your creditworthiness and will vary with the market based on the Prime Rate.   Secured Standard MasterCard: 12.15% - 19.15% based on Your creditworthiness. This APR will vary with the market based on the Prime Rate.   Platinum MasterCard: 6.90 % introductory APR for 6 months. After that, Your APR will be 9.25% - 17.00% based on Your creditworthiness and will vary with the market based on the Prime Rate.   Secured Platinum MasterCard: 7.00%. 14.50% based on Your creditworthiness. This APR will vary with the market based on the Prime Rate.   Premium Travel MasterCard: 9.50% - 17.00% based on Your creditworthiness. This APR will vary with the market based on the Prime Rate.   Classic VISA: 15.40 % New Generation VISA: 15.40%         SEE TOP OF PAGE 2 AND 3 for more important information about Your Account Copyright Oak Tree Business Systems, inc., 1998-2010. All Rights Reserved. Page 1 of 6 OTSS O16 PREM (4/10)    Interest Rate and Inte Annual Percentage Rate (APR) For Cash Advances rest Charges (continued) - / Standard MasterCard: 10.15%. 17.15% based on Your creditworthiness. This APR will vary with the market based on the Prime Rate.   Standard MasterCard Student Program: __ 8.90 % Introductory APR for 6 months. After that, Your APR wilibe 14.00% ~ 14.00% based on Your creditworthiness and will vary with the market based on the Prime Rate.   Secured Standard MasterCard: _ 12.15% - 19.15 % based on Your creditworthiness. This APR will vary with the market based on the Prime Rate.   Platinum MasterCard: __ 6.90 % Introductory APR for 6 months. After that, Your APR wilibe 9.25% - — 17.00 % based on Your creditworthiness and will vary with the market based on the Prime Rate.   Secured Platinum MasterCard: 7.00%. 14.50% based on Your creditworthiness. This APR will vary with the market based on the Prime Rate.   Premium Travel MasterCard: _9-50%- 17.00% based on Your creditworthiness. This APR will vary with the market based on the Prime Rate.   Classic VISA: 15.40% New Generation VISA: _ 15.40% Overdraft Line of Credit: 12.15% - 19.15 % based on Your creditworthiness. This APR wiil vary with the market based on ihe Prime Rate.   Premier Plus Line of Credit: 9.50%. 17.00% based on Your creditworthiness. This APR will vary with the market based on the Prime Rate.   Premier Line of Credit: 10.15% - 17.15% based on Your creditworthiness. This APR will vary with the market based on the Prime Rate.     Penalty APR And When it Applies Upto 27.15 % Except VISA and MasterCard, the APRs applied to a Product will be increased by 10.00% if: 1) Your Product is 30 or more days past due or Is otherwise in defauit. How Long Will The Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR will be applied indefinitely to Your entire balance existing at that time and in the future.   Paying Interest For VISA, Your due date is at Jeast 25 days after the close of each billing cycle. We will not charge You any inferest on purchases, baiance transfers or cash advances if You pay Your entire balance by the due dafe each month. For MasterCard, Your due daie is at least 25 days after the close of each billing cycle. We will not charge You any interest on purchases and balance transfers if You pay Your entire bajance by the due date each month. We will begin charging interest on cash advances on the transaction date. For all other Products, We will begin charging interest on the transaction date.   For Credit Card Tips from the Federal Reserve Board     To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Federal Reserve Board at http:/Awww.federalreserve.govicreditcard.     SEE TOP OF PAGE 3 for more important information about Your Account Copyright Oak Tree Business Systems, inc., 1898-2010. Al Rights Reserved. Page 2 of 6 OTBS 016 PREM [4/40}        For VISA, $12.00 For Premium Travel MasterCard, $35.00 Annual Fees   Transaction Fees * Foreign Transaction * Cash Advance For VISA and MasterCard, 1.00% of each transaction in U.S. dollars. For VISA and MasterCard, the greater of 3.00% of each transaction or $3.00.   Penalty Fees « Late Payment » Over-the-Credit Limit $15.00 after 14 days Except VISA and MasterCard, $10.00       How We Will Calculate Your Balance: For all Products {except VISA and MasterCard), We use a method calied “daily balance." For VISA anc MasterCard, 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. In this Agreement, the references io "We", "Us", “Our" and “Credit Union" mean PREMIER AMERICA CREDIT UNION. The words "You" and "Your" mean each person accepting this Agreement. The words "VISA", “MasterCard”, "Card" and “Credit Card" mean any Classic VISA, New Generation VISA, Standard MasterCard, Standard Mastercard Student Program, Secured Standard MasterCard, Platinum MasterCard, Secured Platinum MasterCard or Premium Travel MasterCard Credit Card issued to You by Us and any duplicates or renewals. If this is a joint account, read singular pronouns in the plural. You, as the borrower, under a Credit Line Account ("Account"), understand that the following Federal Disciosure Statement and the terms and. conditions found herein constiiule Our Agreement with You. Your Account may be accessible through a variety of means which could include advance request forms, vouchers, convenience checks, charge slips, credit cards, telephone access, personal computer access, ATMs or other mechanical/electronic means and the like. Regardiess of the access means, You promise to pay Us all amounts charged or advanced 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. You may terminate the use of Your Account by an authorized user by preventing the use of any Account access device (such as a Credit Card or PIN) by that user and by notifying Us in writing that any such user is no longer authorized to use Your Account. You understand that all advances are subject to Our prior approval. PRODUCTS Your Account has producis which may inciude Classic VISA, New Generation VISA, Standard MasierCard, Standard Mastercard Student Program, Secured Standard MasterCard, Platinum MasterCard, Secured Platinum MasterCard, Premium Trave! MasterCard, Overdraft Line of Credit, Premier Plus Line of Credit and Premier Line of Credit.                                       Variable Rate Daily Annual Products index Margin Periodic Rate Percentage Rate %, % = CESS Introductory. cegecoPradyet 0000 oo Daily Te Periodic Rat % % TRANSACTIONS/ADVANCES OTHER SECURITY/CROSS COLLATERAL Whenever You request a transaction or an advance, We may require You to prove your identity. If You request an advance by telephone, We will deposit the amount requested in Your share savings account or Your checking account (or any other sub-account suffix as directed by You) and You authorize Us to do this, or We will 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. Advances for all products (except for VISA and MasterCard purchases end except for VISA and MasterCard cash advances made at Premier America Credit Union office locations) are subject to a minimum of $100. SECURITY As permitted by law, to secure ail transactions under this Agreement in either joint of 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 fo You from Us to the extent that You owe on any unpaid balance on Your Account and We may enforce Our right fo do so without further notice to You. Additionally, You agree that We may setoff any mutual indebledness. Copyright Gak Tree Business Systems, Inc., 1998-2010. All Rights Reserved. Page 3 of 6 Collateral (other than household goods or any dwelling} given as security for any other loan You may have with Us both now and in the future will, in addition to securing afl presently existing debts and liabitities You owe to Us, secure all future advances We make to You or for Your Accouni, including advances for reasonable atiomeys' fees, court costs and/or collection agency fees and costs incurred in the collection of all indebtedness, Such Collateral shall include any and all accessions, related insurance proceeds or insurance premium refunds. ACCOUNT RESTRICTIONS In order to receive and maintain a Share Secured product (such as Share Secured MasterCard or Secured Platinum MasterCard}, You agree to give Us a specific pledge of shares which will be equal io Your Credit Limit. In the event that You default on Your Account, We may apply these shares foward the repayment of any amount owed on Your Share Secured product. You may cancel Your Share Secured product at any time by paying any amounts owed on Your specific Share Secured product and returning any access devices. Ta be certain that Your entire balance and all advances on Your Account are paid, any shares pledged may not be available for 30 days after You have canceled any such account product. OTBS O16 PREM (4/10)still be reduced by an amount that corresponds ito the related pending transaction for up to 10 business days. 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 borrawer(s} at the current address of record at the Credit Union. We may refuse to follow any instructions which run counter to this provision. FINANCE CHARGES (EXCEPT VISA AND MASTERCARD} The balances subject to the periodic Finance Charge are the daily ending balances outstanding for each day during the billing cycle. To get the daily ending balance, We take the beginning balance of Your account each day, add any new advances, insurance premiums, debit adjustments and any applicable fees, and subtract any payments, credits and unpaid Finance Charges and late fees. The Finance Charge is computed by multiplying the Daily Periodic Raie by the daily ending balance outstanding for each day of the billing cycle. The daily Finance Charges are added together and the sum is the amount of Your total new Finance Charge due. There is no grace period. VISA AND MASTERCARD FINANCE CHARGES The balances subject to the periodic Finance Charge are the average daily balances outstanding during the billing cycle. The Finance Charge for a billing cycle is computed by applying the Dally Periodic Rate to the average daily balance during the billing cycie. To get the average daily balance, We take the beginning balance of Your Account each cay, add any new purchases, balance transfers, cash advances, insurance premiums, debit adjusimenis and any applicable fees, and subiract any paymenis, credits and unpaid Finance Charges or Late Fees. Then, We add up ail the daily balances for the billing cycle and divide them by the number of days in the billing cycle which We multiply by the Daily Periodic Rate, These daily Finance Charges are then added tegether and the sum is the amount of Your tatal new Finance Charge due. For VISA Accounts You can avoid new Finance Charges if You pay Your entire new balance and outstanding Finance Charges by the payment due date shown on Your monthly statement. Otherwise, Finance Charges are calculated from the beginning of the statement period on the previously billed but unpaid charges and on new charges from the date they are posted to Your Account and will continue to accrue until the closing daie of the billing cycle preceding the date on which the entire new balance is paid in full. Fer MasterCard Accounts, You can avoid new Finance Charges on balances, excluding cash advances, If You pay Your entire new balance and auistanding Finance Charges by the payment due date shown on Your monthly statement. Otherwise, Finance Charges are calculated from the beginning of the statement period on Your previously billed but unpaid Account balance and on new advances from the date they are posted to Your Account, and wil continue to accrue until the closing date of the bifing cycle preceding the date on which Your entire new balance is paid In full. All balances resulting from cash advances are subject to Finance Charges from the date they are posted to Your Account and will continue to accrue untii paid in full, VARIABLE RATE (MASTERCARD ONLY} MasterCard Accounts are subject to a Variable Rate which is based on the Prime Rate as published in the Money Rates Section of The Wall Street Journal on the last day of Your previous biling cycle {"Index") plus Our Margin. The Index plus the Margin equats the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billng cycle 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 regularly scheduied payments that You wit} be required fo make. There is ne limi on the amount by which Your Interest Rate can increase, VARIABLE RATE (EXCEPT VISA AND MASTERCARD} Your Account is subject to a Variable Rate which js based on the Prime Rate as published in the Money Rates Section of The Wall Street Journal on the last day of Your previous billing cycle ("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 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 reguiary scheduled payments that You will be required fo make. There is no limit on the amount by which Your Interest Rate can increase. LATE CHARGE if Your payment is 15 or more days past due, You will be charged $15.00. ANNUAL MEMBERSHIP FEE Classic VISA and New Generation VISA accountholders will be charged a $12.00 annual membership fee for continued participation In the applicable Classic VISA or New Generation VISA program, whereas Premium Travel MasterCard accountholders will be charged a $35.00 annual membership fee for continued participation in the Premium Travel MasterCard program, The first years’ fee will be waived for Classic VISA and New Generation VISA accounthelders. These fees are required each year to continue credit availability whether or not You use Your Card throughout the year. After ihe first year, You will be provided with cancellation instructions, Such fee will be identified on the statements that You receive, Copyright Oak Tree Business Systems, inc., 1898-2010. All Rights Reserved. Page 4 of 6 OTHER FEES AND CHARGES You will be charged the following fees and charges associated with the use of Your Account: (a) for VISA and MasterCard, the greater of 3.00% of the transaction or $3.00 for each advance obtained that is net related to a purchase; (b} for VISA and MasterCard, the greater of $250.00 or aciua!l costs incurred by the Credit Unien when You elect to withdraw a charge back and initiate arbitration proceedings; (c} for VISA and MasterCard, $12.00 for each draft copy that You request: and fd) except for VISA and MasterCard, $40.00 per billing cycle whenever You exceed Your Credit Limit by the lesser of $500.00 ar 120 percent. MONTHLY PAYMENT SCHEDULE Though You need only pay the Current Payment due shown on Your monthly statement, You understand thai You have the right to repay Your Account or make larger payments on Your Account at any time without penalty, You also understand that You will be charged periodic Finance Charges to the date You repay Your entire Account balance. Any partial payment or prepayment of Your Account wil not delay Your next scheduled payment. Al payments to Us must be in lawful money of the United States. Payments will be applied first to collection costs, then ta any Finance Charges due, then to any Fees and Charges owing, then to the outstanding principal balance. Any unpaid portion of the Finance Charge will be reduced by subsequent payments and will not be added fo the 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 Gecrease Your periodic Finance Charges. Your payment is due on the payment due date as disclosed on Your monthly statement. You may elect to make your payment by automatic transfer from a designated account. ff You select this option, You understand and agree that You must maintain sufficient funds on deposit to permit Us fe transfer the payment on the payment due date. For all products (except VISA and MasterCard), Your payment will be 2.00% of Your new unpaid balance at the end of each billing cycle plus any portion of the payments shown on prior statement(s} which remains unpaid, plus any amount that exceeds Your appreved credit limit. Your current payment in any event will be subject to the lesser of $20,00 or Your balance. VISA and MasterCard payments will be 3.00% of Your new unpaid balance at the end of each billing cycle plus any portion of any payments shown on prior statemeni(s) which remains unpaid, plus any amount that exceeds Your approved credit limit. Your payment in any event will be subject fo the lesser of $10.00 or Your balance. OVERDRAFT PROTECTION You agree that We may transfer funds in multiples of $700.00 (or in such increments as We may from time to time determine} to Your checking account by an advance on the account product designated on Your Overdraft Protection Application/Sign-Up Card to clear any overdraft on Your checking account. In any event, You hold Us harmless for any and aii liability which might otherwise arise if the transfer does not occur. Your checking account overdraft protection automatically ceases if this Agreement is cancelled or terminated or Your Account is in default. PERIODIC STATEMENTS On a regular basis, You will receive a statement showing aif transactions on Your Account including amounts paid and borrowed since Your last statement. We will mail Yeu a statemeni each month in which there have been any transactions on Your Account or there is a debit or credit balance. We need not send You a slaiement if we feel Your Account is uncollectibie but such action by Us does not relleve You of Your Hability to repay any amounts that You owe Us. Each statement is deemed to be a correct statement of account unless You notify Us of a billing error pursuant to the Federal Truth-In-Lending Act. DEFAULT/CROSS DEFAULT You will be in default #f: (a) You do not make any payment or perform any cbiigation required under any other agreement that You may have with Us, including but not limited to loan agreements, credit line agreements, debt instruments and the like; or (6) You do not make any payment or perform any obligation required under this Agreement; or (c} You shauid die, become involved in any insolvency, receivership or custodial proceeding brought by er against You; or (d) You have made a false or misieading statement in Your credit application and/or in Your representations to us while You owe money on Your Account: or (a) A judgment or tax lien should be filed against You or any attachment er 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 (f} We should, in good faith, belleve Your ability to repay Your indebtedness hereunder is or soon will be impaired. if You are in default, We may, without prior notice or demand and to the extent permitted by law, cancel Your rights under this Agreement, declare the entire unpaid balance of Your Account immediately due and payabie, set-off any money owed Us in accordance with the terms of saic Agreement and require the return of all access devices. If immediate payment is demanded, You will cantnue to pay Finance Charges at the applicable Annual Percentage Rate in effect untii what You owe has been repaid, Even if Your unpaid balance is less than Your Credit Limit(s}, You will have no cradit available during any time that any aspect of Your Account is in default. For all Feature Categories (except VISA and MasterCard}, if You are ever 30 or more days past due on any payment and/or if Your account is otherwise in default, the Daily Periodic Rate applicable to Your entire balance existing at that time and in OTBS 016 PREM {4/16}the future will immediately increase by .027297% {corresponding to an increase In the ANNUAL PERCENTAGE RATE of 10.00%). Additionally, Premium Travel MasterCard accounts will not earn Premium Travel Points during any calendar month that such account is 30 or more days past due. 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" or contain language indicating full satisfaction of the unpaid balance without losing any of Cur nights under this Agreement. Any compromise in, or the reduction of, amounts owed uncer this Agreement must be previously agreed te in writing by an authorized employee of the Credit Union. If any provision of this or any related agreement is determined to be unenforceable ar invalid, all other provisions remain in full force and effect. COLLECTION COSTS lf You are in default, to the extent permitted by jaw, You will reimburse us for all costs of collecting the amount You owe under this Agreement including reasonabie attorneys’ fees. You agree that We may add any collection costs, including reasonable attorneys’ fees, to Your Account balance on which Finance Charges wil be charged, subject to the applicable Annual Percentage Rate. DEBT CANCELLATION COVERAGE Debt cancellation coverage ("Loan Protection Plan") is not required for any extension of credit under this Agreement. However, You may purchase any Loan Protection Plan available through Us and have the fees added to Your outsianding Account balance. # You elect io do so, You will be given the necessary disclosures and documents separately. INTEGRATED DOCUMENTS Any separate sheet of paper labeled “Additional ODlisciosure - Federal Truth-in-Lending Act", "Truth-In-Savings Disciosure and Agreement" or “Schedule of Fees” which is delivered together with this Agreement or separately becomes an integrated part of this Agreement and Disclosure. NOTIFICATION OF ADDRESS CHANGE You will notify Us promptly in writing if You: {a} move or otherwise have a change of address, or (b) change Your name. 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 Federai Truth-In-Lending Act. To the extent permitted by iaw, the right to change the terms of thls Agreement includes, but is not fimited to, the right to change the periodic rate applicable to Your unpaid balance and/or future advances. CONSENT TO AGREEMENT You agree to and accept the terms of this Agreement and Disclosure by signing the application for Your account, by using Your account; or by using any Account access device; or by using or authorizing ancther io use Your Accaunt. UPDATING AND DISCLOSING FINANCIAL INFORMATION You will provide facts to update information contained in Your origina! 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 jaws and reguiaiions. You furlher agree that We may give information about the status and payment history of Your Account to consumer credit reporting agencies, @ prospective employer or insurer, or a state or federal agency having any apparent legitimate business need for such information. You agree fo provide Us with a current financial statement or other credit information if We request, and We have the right to make no further advances until We have determined that the information is satisfactory. We may, at Our option, and without notice, declare You in default if You do not provide Us with @ current financial statement or other credit related information when requested. TERMINATION Either You or We may cancel your Account at any time, whether or not You are in defauit, Upan raceiving a written request from any party te Your Account or receiving inconsistent instructions from different parties to Your Account, We, at our sole option and without notice to any other party, may terminate Your Account or refuse any right with respect ta Your Account, including @ request for credit or an advance. You will, in any case, remain liable to pay any unpaid balances according to the terms of Your Account. ARBITRATION Any controversy or claim arising out ef or relating to any product contained in this Credit Line Account Agreement And Disciosure, or the breach thereof, shali be settled by arbitration administered by the American Arbitration Association in accordance with its Arbitration Rules and judgement on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. All parties hereby waive and give up ail rights te a jury trial or class action relief, GOVERNING LAW This Agreement is controiled and governed by the laws of the State of California except to the extent that such laws are inconsistent with controlling federal law. Copyright Oak Tree Business Systems, Inc., 1998-2010. All Rights Reserved. USE OF YOUR CARD You may use Your Card to buy goods and services in any place thai ihe Card is honored and to get cash advances fram participating ATMs. You agree not to use Your Card for itegal transactions including, but not limited fc, advances made for the purpose of gambling and/or wagering where such practices are in viclatian of applicable state and/or federal law. Additionally, You agree not to utilize Your VISA and/or MasterCard account for the purchase of any goods or services on the internet that involve gambling of any sort. Such transactions include, but may not be limited to, any guasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any belting transaction including the purchase of lottery lckets or casino gaming chips or off-track betting or wagering. However, In the event that a charge or transaction described in this paragraph is approved and processed, You will still be responsible for such charges. OWNERSHIP All Account access devices remain Our properly and may be cancalied by Us at any time without notice. You agree to surrender such Account access devices and to discontinue their use immediately upon Our request.     CONSENSUAL LIEN Hf You have been issued a Credit Card, You grant and consent to a lien on Your savings, checking and certificate accounts with Us (except for IRA accounts) and any dividends due or to become due to You from Us to the extent You owe on Your unpaid Credit Card balance.   Page 5 of 6 ISSUANCE OF PERSONAL IDENTIFICATION NUMBER We will issue you a Personal Identification Number (PiN} for use with Your Card in conjunction with participating Automated Teller Machines (ATMs) anc/or any other participating programs. This PIN is confidential and should not be disclosed to anyone. You may use Your PIN to access Your Account and all sums advanced will be added to Your Account balance. In the event a use of Your PiN constitutes an Electronic Fund Transfer, the terms and condilions of Your Electronic Fund Transfer Agreement may also affect Your righis. Your use of the PIN Is Your authorization to Us to charge Your Account to cover such transactions. PREMIUM TRAVEL MASTERCARD MILEAGE PROGRAM Premium Travel MasterCard Accounts in good standing will earn Premium Travel Points based on net purchases made on your Account. The details of the Premium Travel Awards feature of Your Premium Travel MasterCard Account will be disclosed ic You separately. REFUSAL TO HONOR CONVENIENCE CHECKS OR CREDIT CARDS We are not liable for the refusal or inability of merchants, financial institutions or others io accept convenience checks or Credit Cards, or electronic terminals to honor convenience checks or Credit Cards or complete a Card withdrawal, or for their retention of convenience checks or Credit Cards. OUR RESPONSIBILITY TO HONOR CONVENIENCE CHECKS We may nol accept any convenience check if (1) by paying a convenience check Your Account balance would exceed Your credit limit: {2} Your convenience check or payment cneck is postdated; (3) Your Cards or convenience checks have been repored lost or stolen; (4) Your Account has been cancelled or has expired. If @ posidated convenience check is paid and as a resull any other convenience check is returned or not paid, We are not responsible. Any convenience check that is returned by Us, unpaid or is paid and, as a result, causes Your Account balance to exceed Your credit limit, will be subject to elfher a returned check fee or an over the credit limit fee. FOREIGN TRANSACTIONS For transactions initiated in foreign countries and foreign currencies, the exchange rate beiween the transaction currency and the billing currency (U.S. dollars) wit be: (a) a rate selected by VISA and/or MasterCard, as is applicable, from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA or MasterCard, as is apolicabie, ltself tecelves; or (b) the government-mandated rate in effect for the applicable central processing date. in each insiance, You will be charged a fee in an amount equal to 1.00% of the settlement amount. TRANSACTION SLIPS Your monthly statement will identify the merchant, electronic terminal or financial insttutlon at which transactlons were made, but sales, cash advance, credit or other slips are not returned with the statement. LOST OR STOLEN CREDIT CARDS OR CONVENIENCE CHECKS To report a lost or stolen Card, immediately call (800) 811-2917, To report last or stolen convenience checks, contact a Premiar America Credit Union information specialist by calling (800) 772-4000 or (818) 772-4000 in the 818 area code. UNAUTHORIZED USE You may be llable for the unauthorized use of Your Card. You will not be liable for the unauthorized use that occurs after You notify Us orally or in writing at the address or telephone umber shown in this Agreement, of the loss, theft, or possible unauthorized use. in any case, Your liability will net exceed $50. CREDITS lf a merchant who honors Your Card gives You credit for returns or adjustments, they will do so by generating a credit which will be posted to Your Account. #f Your OTBS O76 PREM (4/10)  credits and paymenis 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 ii io Your savings account after six months. EFFECT OF AGREEMENT Even though the sales, cash advance, credit or other slips You may sign or receive when using the Card contain terms, this Agreement is the contract which solely appies to ail transactions involving the Card. Your Billing Rights: Keep this Document for Future Use This notice tells You about Your rights and Our responsibilitles uncer 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, for VISA and MasterCard write to Us at Card Services, P.O. Box 10409, Des Moines, iA 50309-0409. For ali other Products, 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 belleve is wrong and why You believe it is a mistake. You must contact Us: « Within 60 days after the error appeared on Your stafement. » At least 3 business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong, You must notify Us of any potential errors in writing. You may call Us, but if You do We are not required to inve'stigate any potential errors and You may have to pay the amount in question. What Willi Happen. After We Receive Your Letter When We receive Your letter, We must do two things: 4) Within 30 days of receiving Your letier, We must tell You that We received Your letier. We will also tel) You if We have already corrected the error. 2) Within 90 days of receiving Your ietter, We must eiiher correct the error or explain to You why We believe the bill is correct. Copyright Oak Tree Business Systems, inc., 1998-2070. All Rights Reserved. Page 6 of 6 While We investigate whether or not there has been an error: *“ We cannet try to collect the amount in question, or report You as delinquent on that amount, The charge in question may remain on Your statement, and We may continue to charge You interest on that amount. While You do not have ta pay the amount in question, You are responsible for the remainder of Your balance. * We can apply any unpaid amount against Your Credit Limit, After We finish Our investigation, one of two things will happen: + iiWe made a mistake: You wi not have to pay the amount in question or any interest or other fees related fo that amount. » IfWe do not believe there. was.a mistake: You will have to pay the amount in question, aiong with applicable interest and feas. 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. lf You receive Our explanation Sut stil belleve Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse te pay. # 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 ali of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill is correct, Your Rights lf You Are Dissatisfied With Your Credit Card Purchases lf 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 fave the right not fo pay the remaining amount due on the purchase. To use this right, all of the folowing must be true: 1) The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the purchase price musi have been more than $50. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if We own the company that soid 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. 3) You must not yet have fully paid for the purchase. ff all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing at Card Services, P.O, Box 10409, Des Moines, IA 50309-0409. 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. 2 ~~ OTBS 016 PREM (4/10}