P.O. Box 261420
9305 West Alameda Avenue
Lakewood, Colorado 80226-9420

CREDIT LINE ACCOUNT
AGREEMENT AND DISCLOSURE
THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE
STATEMENTS, MASTERCARD SECURED AND MASTERCARD PLATINUM AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS
REGARDING THE USE OF YOUR MASTERCARD SECURED AND MASTERCARD PLATINUM 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.

R

Interest Rate and Interest Charges

Annual Percentage Rate
(APR) For Purchases

MasterCard Secured - __________% introductory APR until __________________

APR for Balance
Transfers

After that, Your APR will be __________%. This APR will vary with the market
based on the Prime Rate.

MasterCard Platinum - __________% introductory APR until __________________

After that, Your APR will be __________%. This APR will vary with the market
based on the Prime Rate.

MasterCard Secured - __________% introductory APR until __________________

After that, Your APR will be __________%. This APR will vary with the market based on the
Prime Rate.

MasterCard Platinum - __________% introductory APR until __________________

After that, Your APR will be __________%. This APR will vary with the market based on the
Prime Rate.

APR for Cash Advances

MasterCard Secured - __________% introductory APR until __________________

After that, Your APR will be __________%. This APR will vary with the market based on the
Prime Rate.

MasterCard Platinum - __________% introductory APR until __________________

After that, Your APR will be __________%. This APR will vary with the market based on the
Prime Rate.

Overdraft Line of Credit - __________%

Paying Interest

For MasterCard, We will not charge You interest on purchases if You pay Your entire balance
owed each month within 25 days of Your statement closing date. We will begin charging interest
on cash advances and balance transfers on the transaction date.

For all other Feature Categories, You will be charged interest from 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

Transaction Fees
.

Foreign Transaction

Penalty Fees
.
.

Returned Payment
Late Payment

For MasterCard, 1.00% of each transaction in U.S. dollars.

For MasterCard, up to $9.00
For MasterCard, up to $15.00 after 10 days
Except MasterCard, $15.00 after 10 days

How We Will Calculate Your Balance: For MasterCard, We use a method called "average daily balance (including new
purchases)." For all other Feature Categories, We use a method called "daily balance". In all cases see Your 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., 2013. All Rights Reserved.

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In this Agreement, the reference to "We", "Us", "Our" and "Credit Union" mean CREDIT UNION OF DENVER. 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
MasterCard Secured or MasterCard Platinum 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. You may request advances on Your Account through a variety of means which could
include (but may not be limited to) telephonic requests, advance request forms, vouchers, checks, charge slips, Convenience Checks, Check Cards,
ATM Cards, Credit Cards, wire transfers, direct transfers and/or wire transfers to specific payees identified by You, direct transfers to Your
Share/Share Draft or other Credit Union account and the like. Regardless of the means by which any advance is made, You promise to pay Us all
amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your
Account, including Finance Charges and other fees or charges described herein.

FEATURE CATEGORIES. Your Account has Feature Categories which may include Overdraft Line of Credit, MasterCard Secured and MasterCard
Platinum.

Feature Category

Overdraft Line of Credit

MasterCard Secured

MasterCard Platinum

Variable Rate

Index

Margin

Daily
Periodic
Rate

ANNUAL
PERCENTAGE
RATE

___________%

___________%

__________

__________

___________%

___________%

__________

__________

___________%

___________%

ADVANCES. Whenever You request a transaction, We may require You
identity. Advances made on Your Account will be
to prove Your
processed according to the instructions You give Us (such as by wire
transfer, direct transfer to Your Credit Union account or by other such
means) 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 advance request unless You notify Us that You
disagree with any such item appearing on Your periodic statement
according to the provision of this Agreement titled "Your Billing Rights:
Keep this Document for Future Use". You understand that whether or
not any specific secured advance request
is approved may be
determined by how much equity You have or will have in the shares
and/or certificates offered as security.

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 certificates, 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 certificates, shares and/or
Collateral being pledged enforceable.

For advances under any Feature Category that is secured by certificates,
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 balance to
become immediately due and payable.

OTHER SECURITY. Collateral
than household goods or any
(other
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.

CONSENSUAL LIEN ON SHARES. If You have been issued an ATM Card,
debit Card or Credit Card, You grant and consent to a lien on Your
shares with Us (except for IRA and Keogh accounts) and any dividends
due or to become due to You from Us to the extent You owe on any
unpaid Credit Card balance and/or Overdraft Line of Credit balance
created through the use of Your ATM Card or debit Card.

Category at any time by paying any amounts owed on that Feature
Category. To be certain that Your entire balance and all advances 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.

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.

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.

JOINT ACCOUNTS. Each Borrower will be responsible,
jointly and
severally, for the repayment of any amounts owed. If any Account
is
access device, such as a Personal
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.

Identification Number

(PIN)

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 the United States. We may apply each payment to whichever Feature
Category We wish. For all Feature Categories (except MasterCard),
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, We may apply MasterCard payments in an order of
Our choosing.

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
increase Your periodic Finance Charges and any acceleration in
will
the repayment of Your unpaid balance will decrease Your periodic
Finance Charges.

Overdraft Line of Credit Minimum Monthly Payments will be an amount
equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or
Your balance.

ACCOUNT RESTRICTIONS.
to receive and maintain a
In order
MasterCard Secured 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 MasterCard Secured Feature Category, We may
apply these shares toward the repayment of any amount owed on such
Feature Category. You may cancel Your MasterCard Secured Feature

MasterCard Secured and MasterCard Platinum Minimum Payments will
be an amount equal to 2.00% of Your new unpaid MasterCard Secured
or MasterCard Platinum balance at the end of each billing cycle, subject
to the lesser of $15.00 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.

Copyright Oak Tree Business Systems, Inc., 2013. All Rights Reserved.

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You may, by separate agreement, authorize Us to charge Your payment
directly to Your share or share draft account.

LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than
10 days past due, You will be charged $15.00.

FINANCE CHARGES (EXCEPT MASTERCARD). 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.

HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT MASTERCARD).
For all Feature Categories (except MasterCard), 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 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.

MASTERCARD FINANCE CHARGES. In the case of any transactions
under Your MasterCard Secured and MasterCard Platinum 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, balance transfers, 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 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 such transaction is posted to Your Account.

future will

and in the

For MasterCard Secured, until _____________________ Your balance for
purchases will accrue finance charges at an introductory Daily Periodic
Rate of _____________% (corresponding to an ANNUAL PERCENTAGE
RATE of _____________%). Upon the expiration of the introductory rate
period for purchases, the entire balance for purchases existing at that
time
the
non-introductory variable rate as described in this Agreement. For
balance transfer and cash advance transactions that occur during the
period of ______________ through ______________ , such transactions will
accrue finance charges at an introductory Daily Periodic Rate of
_____________% (corresponding to an ANNUAL PERCENTAGE RATE of
_____________%) until such balance(s) are repaid in full. Balance transfer
and cash advance transactions that occur after ______________ will be
subject to the non-introductory variable rate described elsewhere in this
Agreement.

charges

finance

accrue

at

future will

and in the

For MasterCard Platinum, until _____________________ Your balance for
purchases will accrue finance charges at an introductory Daily Periodic
Rate of _____________% (corresponding to an ANNUAL PERCENTAGE
RATE of _____________%). Upon the expiration of the introductory rate
period for purchases, the entire balance for purchases existing at that
time
the
non-introductory variable rate as described in this Agreement. For
balance transfer and cash advance transactions that occur during the
period of ______________ through ______________ , such transactions will
accrue finance charges at an introductory Daily Periodic Rate of
_____________% (corresponding to an ANNUAL PERCENTAGE RATE of
_____________%) until such balance(s) are repaid in full. Balance transfer
and cash advance transactions that occur after ______________ will be
subject to the non-introductory variable rate described elsewhere in this
Agreement.

charges

finance

accrue

at

MASTERCARD VARIABLE RATE. MasterCard 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 May and November 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 1st day of the billing cycle in
January and July of each year. 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 20.99% and will apply to Your
remaining principal balance.

OVERDRAFT PROTECTION. We may transfer funds in multiples of
in such increments as We may from time to time
$100.00 (or
to Your share draft account by an advance on Your
determine)
Overdraft Line of Credit Feature Category, subject to this provision, to
clear any Overdraft on Your share draft account. Whether or not such
occur will be controlled by this Agreement. In any event,
transfers
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.

showing all

receive a
PERIODIC STATEMENTS. On a regular basis, You will
statement
including
transactions on Your Account
amountspaid and borrowed since Your last statement. We will mail You
astatement 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)
If a postdated
Your Account has been cancelled or has expired.
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
is determined to be
provision of
unenforceable or
force
and effect.

invalid, all other provisions remain in full

this or any related agreement

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.

Copyright Oak Tree Business Systems, Inc., 2013. All Rights Reserved.

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labeled
INTEGRATED DOCUMENTS. Any separate sheet of paper
"Additional Disclosure - Federal Truth-In-Lending Act", 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 the
status and payment history of Your Account
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.

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. 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 Colorado except to the extent that such laws are
inconsistent with controlling federal law.

SPECIFIC TERMS APPLICABLE TO YOUR
MASTERCARD SECURED AND MASTERCARD
PLATINUM 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
institutions. You agree not to use Your Card for
participating financial
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.

OWNERSHIP. Your Card remains Our property and may be cancelled by
Us at any time without notice. You agree to surrender Your Card and to
discontinue its use immediately upon Our request.

ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue,
upon Your request, a Personal Identification Number (PIN) for use with
participating Automated Teller Machines (ATMs). 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 conditions of Your Electronic Fund Transfer
Agreement may also affect Your rights.

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit
or other slips You may sign or receive when using Your Card contain
terms,
is the contract which solely applies to all
this Agreement
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, theft, or possible unauthorized use by
calling Us at (800) 449-7728 or by writing to Us at the address shown
in this Agreement. In any case, Your liability will not exceed $50.00.

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.

For

transactions

FOREIGN TRANSACTIONS.
initiated in foreign
currencies, the exchange rate between the transaction currency and the
billing currency (U.S. dollars) will be: (a) a rate selected by MasterCard
from the range of rates available in wholesale currency markets for the
applicable central processing date, which rate may vary from the rate
MasterCard itself receives; or (b) the government-mandated rate in
effect for the applicable central processing date. For all transactions
initiated in foreign countries, You will be charged 1.00% calculated on
the final settlement amount.

identify that
TRANSACTION SLIPS. Your monthly statement will
merchant,
institution at which
transactions were made, but sales, cash advances, credit or other slips
cannot be returned with the statement.

terminal or

electronic

financial

LATE CHARGE. If Your payment is more than 10 days past due, You
will be charged the lesser of: (a) the amount of the minimum payment
due; or (b) $15.00.

OTHER FEES AND CHARGES. You will be charged the following fees
associated with the use of Your Card: (a) the lesser of $9.00 or the
required minimum payment amount for the returned payment for any
check (or other negotiable instrument used for payment) which is
returned unpaid; (b) $20.00 for each Convenience Check that You write
and We return unpaid;
(c) $10.00 for each replacement Card You
request; (d) $25.00 each time that You request expedited delivery of
Your Card;
(e) $5.00 each time You request a copy of a billing
statement or sales draft; and (f) $25.00 per hour each time You request
that We research Your Account.

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen
immediately call Us at
Credit Cards or Convenience Checks, You will
(800) 449-7728 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 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 investigate any potential errors and
You may have to pay the amount in question.

What Will Happen After We Receive Your Letter

1) Within 30 days of receiving Your letter, We must tell You that We
letter. We will also tell You if We have already

received Your
corrected the error.

2) 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 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 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.

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 do so, We cannot

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.
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 of the amount You question even if Your bill
is correct.

Copyright Oak Tree Business Systems, Inc., 2013. All Rights Reserved.

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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) 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. (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.)

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 account do not qualify.
3) 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., 2013. All Rights Reserved.

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P.O. Box 261420
9305 West Alameda Avenue
Lakewood, Colorado 80226-9420

Interest Rate and Interest Charges

PRICING INFORMATION ADDENDUM
CREDIT LINE ACCOUNT
AGREEMENT AND DISCLOSURE
THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR
MASTERCARD SECURED AND MASTERCARD PLATINUM CREDIT CARDS. PLEASE BE
CERTAIN TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY
PARTS ARE UNCLEAR.

Annual Percentage Rate
(APR) For Purchases

MasterCard Secured - __________% introductory APR until __________________

After that, Your APR will be 14.24%. This APR will vary with the market based on
the Prime Rate.

MasterCard Platinum - 5.99% introductory APR until __________________

After
creditworthiness. This APR will vary with the market based on the Prime Rate.

be 7.24%-14.24% based

that, Your APR will

on

your

APR for Balance
Transfers

MasterCard Secured -

% introductory APR until

After that, Your APR will be 14.24%. This APR will vary with the market based on the
Prime Rate.

MasterCard Platinum - 5.99% introductory APR until

After that, Your APR will be 7.24%-14.24% based on your creditworthiness.This APR
will vary with the market based on the Prime Rate.

APR for Cash Advances

MasterCard Secured -

% introductory APR until

After that, Your APR will be 14.24%. This APR will vary with the market based on the
Prime Rate.

MasterCard Platinum - 5.99% introductory APR until

After that, Your APR will be 7.24%-14.24% based on your creditworthiness. This APR
will vary with the market based on the Prime Rate.

Paying Interest

We will not charge You interest on purchases if You pay Your entire balance owed each
month within 25 days of Your statement closing date. 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

Transaction Fees
.

Foreign Transaction

Penalty Fees

.
.

Returned Payment
Late Payment

1.00% of each transaction in U.S. dollars.

Up to $9.00
Up to $15.00 after 10 days

How We Will Calculate Your Balance: 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.

Copyright Oak Tree Business Systems, Inc., 2013. All Rights Reserved.

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MASTERCARD FINANCE CHARGES. In the case of any transactions under Your MasterCard Secured and MasterCard Platinum 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,
balance transfers, 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 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 such transaction is posted to Your Account.

For MasterCard Secured, Your balance for purchases, will accrue finance charges at an introductory Daily Periodic Rate of __________%
. Upon the expiration of the introductory rate period, the entire
(corresponding to an ANNUAL PERCENTAGE RATE of _______%) until
balance for purchases, existing at that time and in the future will be subject to a variable Daily Periodic Rate of 0.039014% (corresponding ANNUAL
PERCENTAGE RATE 14.24%). For balance transfer and cash advance transactions that occur during the period of ______________ through
______________, such transactions will accrue finance charges at an introductory Daily Periodic Rate of _____________% (corresponding to an ANNUAL
PERCENTAGE RATE of _____________%) until such balance(s) are repaid in full. Balance transfer and cash advance transactions that occur after
______________ will be subject to a non-introductory variable Daily Periodic Rate of 0.039014% (corresponding ANNUAL PERCENTAGE RATE
14.24%).

For MasterCard Platinum, Your balance for purchases, will accrue finance charges at an introductory Daily Periodic Rate of 0.016411%
(corresponding to an ANNUAL PERCENTAGE RATE of 5.99%) until ________________. Upon the expiration of the introductory rate period, the entire
balance for purchases, existing at that time and in the future will be subject to a variable Daily Periodic Rate of 0.019836 - 0.039014%
(corresponding ANNUAL PERCENTAGE RATE 7.24% - 14.24%), depending on Your creditworthiness. For balance transfer and cash advance
transactions that occur during the period of ______________ through ______________, such transactions will accrue finance charges at an introductory
Daily Periodic Rate of 0.016411% (corresponding to an ANNUAL PERCENTAGE RATE of 5.99%) until such balance(s) are repaid in full. Balance
transfer and cash advance transactions that occur after ______________ will be subject to a non-introductory variable Daily Periodic Rate of 0.019836
- 0.039014% (corresponding ANNUAL PERCENTAGE RATE 7.24% - 14.24%), depending on Your creditworthiness.

MASTERCARD VARIABLE RATE. MasterCard 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 May and November 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 1st day of the billing cycle in January
and July of each year. 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 20.99% and will apply to Your remaining principal
balance.

For MasterCard Secured, Your Margin will be 10.99%.

For MasterCard Platinum, Your Margin will be determined by Your creditworthiness and will be 3.99% - 10.99%.

Copyright Oak Tree Business Systems, Inc., 2013. All Rights Reserved.

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