CREDIT LINE ACCOUNT 
                                    AGREEMENT AND DISCLOSURE
                        THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING 
                        DISCLOSURE STATEMENTS, VISA CRIMSON, VISA CRIMSON (INTRODUCTORY RATE), VISA CRIMSON REWARDS, VISA 
    P O Box 58025, Salt Lake City, UT 84158  CRIMSON REWARDS (INTRODUCTORY RATE), VISA STUDENT REWARDS, VISA STUDENT REWARDS (INTRODUCTORY 
    (801) 481-8800 FAX (801) 481-8820
                        RATE),  VISA  SECURED  AND  VISA  SECURED  (INTRODUCTORY  RATE)  AGREEMENTS,  AND  ANY  SPECIAL 
    www.UFirstCU.com
                        INSTRUCTIONS REGARDING THE USE OF YOUR VISA CRIMSON, VISA CRIMSON (INTRODUCTORY RATE), VISA 
                        CRIMSON REWARDS, VISA CRIMSON REWARDS (INTRODUCTORY RATE), VISA STUDENT REWARDS, VISA STUDENT 
                        REWARDS (INTRODUCTORY RATE), VISA SECURED AND VISA SECURED (INTRODUCTORY RATE) 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 
                       VISA Crimson: _______% 
     (APR) For Purchases
                          This APR will vary with the market based on the Prime Rate.
                       VISA Crimson (Introductory Rate): _______% introductory APR for ____ months.
                          After that, Your APR will be _______% and will vary with the market based on the 
                          Prime Rate.
                       VISA Crimson Rewards: _______%
                          This APR will vary with the market based on the Prime Rate.
                       VISA Crimson Rewards (Introductory Rate): _______% introductory APR for ____ months.
                          After that, Your APR will be _______% and will vary with the market based on the 
                          Prime Rate.
                       VISA Student Rewards: _______%
                          This APR will vary with the market based on the Prime Rate.
                       VISA Student Rewards (Introductory Rate): _______% introductory APR for ____ months.
                          After that, Your APR will be _______% and will vary with the market based on the 
                          Prime Rate.
                       VISA Secured: _______%
                       VISA Secured (Introductory Rate): _______% introductory APR for ____ months.
                          After that, Your APR will be _______%
     Annual Percentage  VISA Crimson: _______% 
     Rate (APR) For       This APR will vary with the market based on the Prime Rate.
     Balance Transfers
                       VISA Crimson (Introductory Rate): _______% introductory APR for ____ months. 
                          After that, Your APR will be _______% and will vary with the market based on the Prime Rate.
                       VISA Crimson Rewards: _______% 
                          This APR will vary with the market based on the Prime Rate.
                       VISA Crimson Rewards (Introductory Rate): _______% introductory APR for ____ months.
                          After that, Your APR will be _______% and will vary with the market based on the Prime Rate.
                       VISA Student Rewards: _______% 
                          This APR will vary with the market based on the Prime Rate.
                       VISA Student Rewards (Introductory Rate): _______% introductory APR for ____ months.
                          After that, Your APR will be _______% and will vary with the market based on the Prime Rate.
                       VISA Secured: _______%
                       VISA Secured (Introductory Rate): _______% introductory APR for ____ months.
                          After that, Your APR will be _______%
                       SEE PAGE 2 for more important information about Your Account 
   Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.  Page 1 of 6   OTBS 016 FRB_Web UNUT (10/21)
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     Interest Rate and Interest Charges (continued)
     Annual Percentage Rate  VISA Crimson: _______% 
     (APR) For Cash Advances This APR will vary with the market based on the Prime Rate.
                       VISA Crimson (Introductory Rate): _______% introductory APR for ____ months. 
                          After that, Your APR will be _______% and will vary with the market based on the Prime Rate.
                       VISA Crimson Rewards: _______% 
                          This APR will vary with the market based on the Prime Rate.
                       VISA Crimson Rewards (Introductory Rate): _______% introductory APR for ____ months.
                          After that, Your APR will be _______% and will vary with the market based on the Prime Rate.
                       VISA Student Rewards: _______% 
                          This APR will vary with the market based on the Prime Rate.
                       VISA Student Rewards (Introductory Rate): _______% introductory APR for ____ months.
                          After  that,  Your  APR  will  be  _______% and  will  vary  with  the market  based  on  the 
                          Prime Rate.
                       VISA Secured: _______%
                       VISA Secured (Introductory Rate): _______% introductory APR for ____ months.
                          After that, Your APR will be _______%
                       Overdraft Line of Credit: _______%
     Paying Interest   For VISA, We will not charge You interest on purchases if You pay Your entire balance owed 
                       each month within 25 days of Your statement closing date. 
                       For all Feature Categories, We will begin charging interest on cash advances and balance 
                       transfers on the transaction date.                    
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a Credit Card, visit 
     the Consumer Financial  the website of the Consumer Financial Protection Bureau at 
     Protection Bureau http:www.consumerfinance.gov/learnmore.
     Fees
     Transaction Fees
        Cash Advance   For VISA, 1.50% of each cash advance.
        Foreign Transaction For VISA, 1.00% of each foreign currency transaction in U.S. Dollars.
                       For VISA, 1.00% of each U.S. Dollar transaction that occurs in a foreign country.
     Penalty Fees
        Late Payment   Up to $25.00
        Over-The-Credit Limit For Overdraft Line of Credit, $10.00
        Returned Payment For VISA, up to $10.00
                       For Overdraft Line of Credit, $10.00
    How We Will Calculate Your Balance: For Overdraft Line of Credit, We use a method called "daily balance." For VISA, We use 
    a method called "average daily balance (including new purchases)." See Your Account Agreement for details.  
    Billing Rights:  Information on Your rights to dispute transactions and how  to exercise those rights is provided in  Your                  
    Account Agreement. 
                       SEE PAGE 1 for more important information about Your Account 
   Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.  Page 2 of 6   OTBS 016 FRB_Web UNUT (10/21)
                                                                               Rev. (8/21)
   DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our," and "Credit Union" mean UNIVERSITY FIRST FEDERAL CREDIT UNION Doing Business As UFIRST 
   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 VISA Crimson, VISA Crimson (Introductory Rate), VISA Crimson Rewards, VISA Crimson Rewards (Introductory Rate), VISA Student Rewards, 
   VISA Student Rewards (Introductory Rate), VISA Secured or VISA Secured (Introductory Rate) 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, debit 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, VISA Crimson, VISA Crimson (Introductory Rate), VISA Crimson 
   Rewards, VISA Crimson Rewards (Introductory Rate), VISA Student Rewards, VISA Student Rewards (Introductory Rate), VISA Secured or VISA Secured (Introductory Rate). 
                                                          Daily          ANNUAL 
                                    Variable Rate
                                                         Periodic      PERCENTAGE 
    Feature Categories 
                                Index      Margin         Rate           RATE
    VISA Crimson               _________% _________%    _________%      _________%
    VISA Crimson (Introductory Rate) _________% _________% _________%   _________%
    VISA Crimson Rewards       _________% _________%    _________%      _________%
    VISA Crimson Rewards (Introductory Rate) _________% _________% _________% _________%
    VISA Student Rewards       _________% _________%    _________%      _________%
    VISA Student Rewards (Introductory Rate) _________% _________% _________% _________%
    VISA Secured                                        _________%      _________%
    VISA Secured (Introductory Rate)                    _________%      _________%
    Overdraft Line of Credit                            _________%      _________%
   ADVANCES. Whenever You request a transaction, We may require You to prove  ACCOUNT RESTRICTIONS. In order to receive and maintain a VISA Secured or 
   Your identity. Advances made on Your Account will be processed according to the  VISA Secured (Introductory Rate) Feature Category, You agree to give Us a specific 
   instructions You give Us (such as by wire transfer, direct transfer to Your Credit  pledge of shares which will be equal to 110% of Your Credit Limit. In the event that 
   Union account or by other such means) and You authorize Us to do this, or We may  You default on Your VISA Secured or VISA Secured (Introductory Rate) Feature 
   draw a draft or check made payable to You and mail it to You. When the amount  Category, We may apply these shares toward the repayment of any amount owed on 
   advanced appears on a subsequent statement, that will be conclusive evidence of  such  Feature  Category.  You may cancel Your VISA  Secured  or VISA Secured 
   Your advance request unless You notify Us that You  disagree with any such item  (Introductory Rate) Feature Category at any time by paying any amounts owed on 
   appearing on Your periodic statement according to the provision of this Agreement  that Feature Category. To be certain that Your entire balance and all advances are 
   titled "Your Billing Rights: Keep this Document for Future Use." You understand  paid, any shares pledged may not be available to You for 30 days after You have 
   that whether or not any specific secured advance request is approved may be cancelled and any outstanding balance is paid in full.
   determined  by  how  much  equity  You have  or  will  have  in the  shares  and/or 
   certificates offered as security.        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 
   SECURITY. As permitted by law, to secure all transactions under this Agreement in  Limits established for You will generally be self-replenishing as You make payments.
   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  You will keep Your unpaid balance within Your Credit Limit set by Us, and You will 
   under a governmental approved tax deferral plan such as an IRA or Keogh account), pay any amount over Your Credit Limit on Our demand whether or not We authorize 
   and any dividends due or to become due to You from Us to the extent that You owe  the advances which caused You to exceed Your Credit Limit. Even if Your unpaid 
   on any unpaid balance on Your Account and We may enforce Our right to do so  balance is less than Your Credit Limit, You will have no credit available during any 
   without further  notice to You.  Additionally,  You  agree that We may set-off  any           time that any aspect of Your Account is in default. 
   mutual indebtedness. 
                                            JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the 
   You acknowledge that You own any shares and/or certificates pledged as security  repayment of any amounts owed. If any Account access device, such as a Personal 
   and that there are no other liens against them other than Ours. You agree to perform  Identification Number (PIN) is requested and approved, You understand that any such 
   all acts which are necessary to make Our security interest in the shares and/or  Account access device(s) will be mailed only to the primary Borrower at the address 
   certificates being pledged enforceable.  that We have on file for You. We may refuse to follow any instructions which run 
                                            counter to this provision. 
   For advances under any certificate secured Feature Category, all certificates which 
   are pledged as Collateral must be renewed until Your outstanding Account balance is  MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only 
   paid in full and Your right to future advances under such Feature Category has been  pay the Minimum Monthly Payments, You understand that You have the right to repay 
   terminated. Failure to renew any certificates securing any advance will cause Your  at any time without penalty. You also understand that You will only be charged periodic 
   entire outstanding Account balance to become immediately due and payable.  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 
   OTHER SECURITY. Collateral (other than household goods or any dwelling) given as  scheduled payment. All payments to Us must be in lawful money of the United States. 
   security under this Agreement or for any other loan You may have with Us will secure  We may apply each payment to whichever Feature Category We wish. For Overdraft 
   all amounts You owe Us now and in the future if that status is reflected in the "Truth- Line of Credit, payments will be applied first to any Late Charges owing, then to the 
   in-Lending Disclosure" in any particular Agreement evidencing such debt.    Finance Charge due, then to the outstanding principal balance. As permitted by law, 
                                            We may apply VISA payments in an order of Our choosing.  
   CONSENSUAL LIEN ON SHARES. If You have been issued a Credit Card, debit 
   card or ATM card, You grant and consent to a lien on Your shares with Us  Any unpaid portion of the Finance Charge will be paid by subsequent payments and 
   (except for IRA and Keogh accounts) and any dividends due or to become due  will not be added to Your principal balance. You understand that any delay in the 
   to You from Us to the extent You owe on any unpaid Credit Card balance and/or  repayment of Your unpaid balance will increase Your periodic Finance Charges and 
   Overdraft Line of Credit balance created through the use of Your debit card or  any acceleration in the repayment of Your unpaid balance will decrease Your periodic 
   ATM card.                                Finance Charges. 
   Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.  Page 3 of 6   OTBS 016 FRB_Web UNUT (10/21)
                                                                               Rev. (8/21)
   Minimum payments for each Feature Category will be an amount equal to 2.50% of  For VISA Secured (Introductory Rate), during the _____-month period immediately 
   Your then unpaid balance owed on such Feature Category, subject to the lesser of  following the date that Your Account is established, purchase, balance transfer, and 
   $10.00 or Your balance.                  cash  advance  transactions  will  accrue  finance  charges  at  an  introductory  Daily 
                                            Periodic Rate of _____________% (corresponding to an ANNUAL PERCENTAGE 
   You may, by separate agreement, authorize Us to charge Your payment directly to  RATE of _____________%). Upon the expiration of the introductory rate period, the 
   Your share or share draft account.       entire balance of purchases, balance transfers, and cash advances existing at that 
                                            time  and  in  the  future  will  accrue  finance  charges  at  the  non-introductory  rate 
   LATE CHARGE (OVERDRAFT LINE OF CREDIT). If Your payment is more than 10  described elsewhere in this Agreement.
   days late, You will be charged the greater of $10.00 or 5.00% of the payment due, 
   subject to a $25.00 maximum.             VISA VARIABLE RATE. For VISA Crimson, VISA Crimson Rewards, and VISA 
                                            Student Rewards, all advances are subject to a variable rate that is based on an index.  
   OTHER FEES AND CHARGES (OVERDRAFT LINE OF CREDIT). You will be  The index is the highest Prime Rate as published in the Money Rates section of The 
   charged the following fees associated with the use of Your Account: (a) $10.00 for  Wall Street Journal in effect on the last day of each calendar month ("Index"). To 
   any check (or other negotiable instrument used for payment) which is returned unpaid;  calculate Your interest rate, we add a margin to the index (described elsewhere in this 
   and (b) $10.00 for each billing cycle during which You exceed Your Credit Limit.  Agreement).  The  Index  plus the  Margin  equals the Interest  Rate.  Increases  or 
                                            decreases in the Interest Rate will cause like increases or decreases in the Finance 
   FINANCE CHARGES (OVERDRAFT LINE OF CREDIT). A Finance Charge will be  Charge on the 1st day of each calendar month that immediately follows a change in 
   assessed on any unpaid principal balance of Your Account for the period such balance  the Index ("Change Date"). Changes in the Interest Rate will affect the number of Your 
   is outstanding. Balances change each time advances are made, payments are made  regularly scheduled payments. Your ANNUAL PERCENTAGE RATE will never be 
   or credits given. The Finance Charge begins to accrue on the date of each advance  greater than 18.00% and will apply to Your remaining principal balance. 
   and there is no grace period. 
                                            For VISA Crimson (Introductory Rate), VISA  Crimson  Rewards (Introductory 
   HOW TO DETERMINE THE FINANCE CHARGE (OVERDRAFT LINE OF CREDIT). Rate), and VISA Student Rewards (Introductory Rate), following the expiration of 
   For Overdraft Line of Credit, the Finance Charge is determined by multiplying Your  the Introductory Rate period, all advances are subject to a variable rate that is 
   unpaid balance at the close of each day in the billing cycle being accounted for by the  based on an index. The index is the highest Prime Rate as published in the 
   applicable Daily Periodic Rate. The unpaid balance is the balance each day after  Money  Rates  section  of  The  Wall  Street  Journal  in  effect  on  the  day  the 
   payments, credits, and unpaid Finance Charges to that balance have been subtracted  Introductory Rate period expires, and subsequently, on the last day of each 
   and any new advances, insurance premiums or other charges have been added to  calendar month ("Index"). To calculate Your interest rate, we add a margi n to the 
   Your unpaid balance. These daily Finance Charges are then added together and the  index (described elsewhere in this Agreement). The Index plus the Margin equals 
   sum is the amount of the Finance Charge owed for the billing cycle being accounted  the Interest Rate. Increases or decreases in the Interest Rate will cause like 
   for. The total Finance Charge You owe on Your Account for each billing cycle is the  increases or decreases in the Finance Charge on the day the Introductory Rate 
   sum of all the Finance Charges due for all applicable Feature Categories.  period expires, and subsequently, on the 1st day of each calendar month that 
                                            immediately follows a change in the Index ("Change Date"). Changes in the 
   VISA FINANCE CHARGES. In the case of any transactions under Your  VISA Crimson,  Interest Rate will affect the number of Your regularly scheduled payments. Your 
   VISA Crimson (Introductory Rate), VISA Crimson Rewards, VISA Crimson Rewards  ANNUAL PERCENTAGE RATE will never be greater than 18.00% and will apply 
   (Introductory Rate), VISA Student Rewards, VISA Student Rewards (Introductory Rate),  to Your remaining principal balance. 
   VISA Secured or VISA Secured (Introductory Rate) Feature Categories, the balances 
   subject to the periodic Finance Charge are the average daily transactions balances  OVERDRAFTS.  We  may  transfer  funds  in  the  amount  necessary  (or  in  such 
   outstanding during the month (including new transactions). To get the average daily  increments as We may from time to time determine) to Your share draft account by 
   balance, We take the beginning balance each day, add any new purchases, balance  an advance on Your Overdraft Line of Credit Feature Category, subject to this 
   transfers, cash advances, insurance premiums, debit adjustments or other charges and  provision, to clear any overdraft on Your share draft account. Whether or not such 
   subtract any payments, credits and unpaid Finance Charges. This gives Us the daily  transfers occur will be controlled by this Agreement. In any event, You hold Us 
   balance. Then, We add up all the daily balances for the billing cycle and divide them by  harmless for any and all liability which might otherwise arise if the transfer does not 
   the number of days in the billing cycle. The Finance Charge for a billing cycle is computed  occur. Overdraft protection automatically ceases if this Agreement is ever cancelled 
   by multiplying the average daily balance subject to a Finance Charge by the Daily  or terminated or Your Account is in default.
   Periodic Rate times the number of days in the billing cycle.
                                            PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing 
   You can avoid Finance Charges on purchases by paying the full amount of the entire  all transactions on Your Account including amounts paid and borrowed since Your last 
   balance owed each month within 25 days of Your statement closing date. Otherwise,  statement. We will mail You a statement each month in which there is a debit or credit 
   the new balance of purchases, and subsequent purchases from the date they are  balance or when a Finance Charge is imposed. We need not send You a statement if 
   posted to Your Account, will be subject to a Finance Charge. Balance transfers and  We feel Your Account is uncollectible or if We have started collection proceedings 
   cash advances are always subject to a Finance Charge from the later of the date they  against You because You defaulted. EACH STATEMENT IS DEEMED TO BE A 
   are posted to Your Account or from the first day of the billing cycle in which the  CORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING 
   transaction is posted to Your Account.   ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.  
   For VISA Crimson (Introductory Rate), during the _____-month period immediately  OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no 
   following the date that Your Account is established, purchase, balance transfer, and  obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check, 
   cash  advance  transactions  will  accrue  finance  charges  at  an  introductory  Daily  You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have 
   Periodic Rate of ___________% (corresponding to an ANNUAL PERCENTAGE  been reported lost or stolen; (3) Your Account has been cancelled or has expired. If a 
   RATE of ___________%). Upon the expiration of the introductory rate period, the  postdated Convenience Check is paid and, as a result, any other Convenience Check 
   entire balance of purchases, balance transfers, and cash advances existing at that  is returned unpaid, We are not responsible for any resulting loss or liability.
   time and in the future will accrue finance charges at the non-introductory variable rate 
   described elsewhere in this Agreement.   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 
   For VISA Crimson Rewards (Introductory Rate), during the _____-month period  (b) You should die, become  involved in  any  insolvency,  receivership or custodial 
   immediately following the date that Your Account is established, purchase, balance  proceeding brought by or against You; or (c) You have made a false or misleading 
   transfer, and cash advance transactions will accrue finance charges at an introductory  statement in Your credit application and/or in Your representations to Us while You owe 
   Daily  Periodic  Rate  of  ___________%  (corresponding  to  an  ANNUAL  money on Your Account; or (d) A judgment or tax lien should be filed against You or any 
   PERCENTAGE RATE of ___________%). Upon the expiration of the introductory  attachment or garnishment should be issued against any of Your property or rights, 
   rate period, the entire balance of purchases, balance transfers, and cash advances  specifically including anyone starting an action or proceeding to seize any of Your funds 
   existing  at  that  time  and  in  the future  will  accrue  finance  charges  at  the  non- on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay Your 
   introductory variable rate described elsewhere in this Agreement.  indebtedness hereunder is or soon will be impaired, time being of the very essence. 
   For  VISA  Student  Rewards (Introductory  Rate),  during  the  _____-month  period  Upon any occurrence of default, We may, to the extent permitted by law, cancel Your 
   immediately following the date that Your Account is established, purchase, balance  rights under this Agreement, require the return of all access devices and declare the 
   transfer, and cash advance transactions will accrue finance charges at an introductory  entire balance of every Feature Category of Your Account immediately due and 
   Daily  Periodic  Rate  of  ___________%  (corresponding  to  an  ANNUAL  payable, without prior notice or demand.  
   PERCENTAGE RATE of ___________%). Upon the expiration of the introductory 
   rate period, the entire balance of purchases, balance transfers, and cash advances  COLLECTION COSTS. In the event collection efforts are required to obtain payment 
   existing  at  that  time  and  in the  future  will  accrue  finance  charges at  the  non- on this Account, to the extent permitted by law, You agree to pay all court costs, 
   introductory variable rate described elsewhere in this Agreement.     private process server fees, investigation fees or other costs incurred in collection and 
   Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.  Page 4 of 6   OTBS 016 FRB_Web UNUT (10/21)
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   reasonable attorneys' fees incurred in the course of collecting any amounts owed  EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
   under this Agreement or in the recovery of any Collateral.  slips You may sign or receive when using Your Card contain terms, this Agreement is 
                                            the contract which solely applies to all transactions involving the Card. 
   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  UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
   payments, even if they are marked "paid in full" without losing any of Our rights under  You will not be liable for the unauthorized use that occurs after You notify Us of the 
   this Agreement. If any provision of this or any related agreement is determined to be  loss, theft, or possible unauthorized use by calling Us at (801) 481-8800 or by writing 
   unenforceable or invalid, all other provisions remain in full force and effect. to Us at P.O. Box 58025, Salt Lake City, UT 84158. In any case, Your liability will not 
                                            exceed $50.00. 
   NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or 
   otherwise have a change of address.      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 
   CHANGE IN TERMS. We may change the terms of this Agreement by mailing or  Cards or Convenience Checks, or electronic terminals to honor the Cards or complete 
   delivering to You written notice of the changes as prescribed by the Federal Truth-In- a Card withdrawal, or for their retention of the Cards or Convenience Checks.
   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  FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries  and 
   applicable to Your unpaid balance and/or future advances.                  foreign currencies, the exchange rate between the transaction currency and the billing 
                                            currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of rates 
   CREDIT INSURANCE. Credit insurance is not required for any extension of credit  available in wholesale currency markets for the applicable central processing date, 
   under this Agreement. However, You may purchase any credit insurance available  which rate may vary from the rate VISA itself receives; or (b) the government-
   through Us and have the premiums added to Your outstanding balance. If You elect  mandated rate in effect for the applicable central processing date. For transactions 
   to do so, You will be given the necessary disclosures and documents separately. that  are  initiated  in a foreign currency,  You  will be  charged  1.00% of the final 
                                            settlement amount. For transactions occurring in foreign countries and initiated in U.S.
   INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional  Dollars, You will be charged 1.00% of the final settlement amount. Transactions 
   Disclosure - Federal Truth-In-Lending Act," which is delivered together with this  initiated via the internet with merchants or other parties located outside of the United 
   Agreement or at a later date becomes an integrated part of this Agreement   States of America are deemed to occur in the foreign country where the merchant or 
   and Disclosure.                          other party is located. 
   CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  th is  TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic 
   Agreement. By signing the application; or by using Your Account or any Account  terminal or financial institution at which transactions were made, but sales, cash 
   access device; or by authorizing another to use Your Account, You agree to and  advance, credit or other slips cannot be returned with the statement. 
   accept its terms.
                                            LATE CHARGE. If Your payment is more than 10 days late, You will be charged the 
   UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts  lesser of: (a) the amount of the minimum payment due; or (b) the greater of $10.00 or 
   to update information contained in Your original Account application or other financial  5.00% of the payment due, subject to a $25.00 maximum. 
   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  OTHER  FEES  AND  CHARGES.  You  will  be  charged  the  following  fees 
   standing  and  financial  responsibility  in  accordance  with  applicable  laws  and  associated with the use of Your Card: (a) the lesser of $10.00 or the required 
   regulations. You further agree that We may give information about the status and  minimum payment amount for the returned payment for any check (or other 
   payment history of Your Account to consumer credit reporting agencies, a prospective  negotiable instrument used for payment) which is returned unpaid; (b) a cash 
   employer or insurer, or a state or federal licensing agency having any apparent  advance fee FINANCE CHARGE equal to 1.50% of each such advance You 
   legitimate business need for such information.  obtain; (c) $5.00 for each replacement Card You request; (d) $8.00 for each 
                                            merchant sales slip copy that You request; (e) $20.00 per hour each time You 
   TERMINATION. Either You or We may cancel Your Account or any particular  request that We perform research on Your Account; (f) $5.00 each time You 
   Feature Category of Your Account, at any time, whether or not You are in default.  request Our assistance via telephone to pay Your payment from an account at 
   You will, in any case, remain liable to pay any unpaid balances according to the  another financial institution; (g) $2.00 for each statement copy (whose original 
   terms of Your Account.                   origination date, as of the date requested, precedes that of the prior calendar 
                                            quarter) that You request; and (h) an expedited delivery charge equal to the 
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the  actual cost of delivery. 
   State of Utah except to the extent that such laws are inconsistent with controlling 
   federal law.                             LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
                                            or Convenience Checks, You will immediately call Us at (801) 481-8800 or write to Us 
       TERMS APPLICABLE TO YOUR VISA CRIMSON, VISA CRIMSON  at P.O. Box 58025, Salt Lake City, UT 84158.  
     (INTRODUCTORY RATE), VISA CRIMSON REWARDS, VISA CRIMSON 
      REWARDS (INTRODUCTORY RATE), VISA STUDENT REWARDS,  CREDITS. If a merchant who honors Your Card gives You credit for returns or 
     VISA STUDENT REWARDS (INTRODUCTORY RATE), VISA SECURED  adjustments, they will do so by sending Us a slip which will be posted to Your 
       AND VISA SECURED (INTRODUCTORY RATE) CREDIT CARDS  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 
   USE OF YOUR CARD. You may use Your Card to buy goods and services in any  more refund it on Your written request or automatically deposit it to Your Share 
   place that it is honored and to get cash advances at participating financial institutions.  Account after 6 months.  
   You agree not to use Your Card for illegal transactions including, but not limited to, 
   advances made for the purpose of gambling and/or wagering where such practices  Your Billing Rights: Keep this Document for Future Use 
   are in violation of applicable state and/or federal law. 
                                            This notice tells You about Your rights and Our responsibilities under the Fair 
   OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any  Credit Billing Act. 
   time without notice. You agree to surrender Your Card and to discontinue its use 
   immediately upon Our request.                  What To Do If You Find A Mistake On Your Statement 
   ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. For Cards involved in  If You think there is an error on Your statement, write to Us at Our address shown in 
   the instant-issue process, We will issue, upon Your request, a Personal Identification  this Agreement. In Your letter, give Us the following information: 
   Number (PIN) for use with participating Automated Teller Machines (ATMs). This PIN 
   is confidential and should not be disclosed to anyone.   Account information: Your name and Account number. 
                                               Dollar amount: The dollar amount of the suspected error. 
   For Cards not involved in the instant-issue process, We will issue, automatically, a  Description of problem: If You think there is an error on Your bill, describe what 
   Personal Identification Number (PIN) for use with participating Automated Teller  You believe is wrong and why You believe it is a mistake. 
   Machines (ATMs). This PIN is confidential and should not be disclosed to anyone. 
                                            You must contact Us: 
   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  Within 60 days after the error appeared on Your statement. 
   Fund Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement  At least 3 business days before an automated payment is scheduled, if You want 
   may also affect Your rights.                to stop payment on the amount You think is wrong. 
   Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.  Page 5 of 6   OTBS 016 FRB_Web UNUT (10/21)
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   You must notify Us of any potential errors in writing. You may call Us, but if You do  If You receive Our explanation but still believe Your bill is wrong, You must write to Us 
   We are not required to investigate any potential errors and You may have to pay the  within 10 days telling Us that You still refuse to pay. If You do so, We cannot report 
   amount in question.                      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 
           What Will Happen After We Receive Your Letter  let those organizations know when the matter has been settled between Us. If We do 
                                            not follow all of the rules above, You do not have to pay the first $50.00 of the amount 
   When We receive Your letter, We must do two things:  You question even if Your bill is correct. 
   1)  Within 30 days of receiving Your letter, We must tell You that We received Your  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     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 You are dissatisfied with the goods or services that You have purchased with 
     explain to You why We believe the bill is correct.  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 
   While We investigate whether or not there has been an error:  the purchase. To use this right, all of the following must be true: 
     We cannot try to collect the amount in question, or report You as delinquent on  1)  The purchase must have been made in Your home state or within 100 miles of 
     that amount.                              Your current mailing address, and the purchase price must have been more than 
     The charge in question may remain on Your statement, and We may continue  $50.00 (Note: Neither of these are necessary if Your purchase was based on an 
     to charge You interest on that amount.    advertisement We mailed to You, or if We own the company that sold You the 
     While You do not have to pay the amount in question, You are responsible for  goods or services.) 
     the remainder of Your balance.         2)  You must have used Your Credit Card for the purchase. Purchases made with 
     We can apply any unpaid amount against Your Credit Limit.  cash advances from an ATM or with a check that accesses Your Credit Card 
                                               account do not qualify.  
   After We finish Our investigation, one of two things will happen:  3)  You must not yet have fully paid for the purchase.  
     If We made a mistake: You will not have to pay the amount in question or any  If all of the criteria above are met and You are still dissatisfied with the purchase, 
     interest or other fees related to that amount.  contact Us in writing at P.O. Box 58025, Salt Lake City, UT 84158. 
     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  While We investigate, the same rules apply to the disputed amount as discussed 
     the amount You owe and the date payment is due. We may then report You as  above. After We finish Our investigation, We will tell You Our decision. At that point, 
     delinquent if You do not pay the amount We think You owe.  if We think You owe an amount and You do not pay, We may report You as delinquent. 
   Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.  Page 6 of 6   OTBS 016 FRB_Web UNUT (10/21)
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                                    PRICING INFORMATION ADDENDUM       CREDIT LINE 
                                         AGREEMENT AND DISCLOSURE STATEMENT
                        THIS  IS  YOUR  ADDENDUM  THAT  CONTAINS  PRICING  INFORMATION  FOR  YOUR  VISA  CRIMSON,  VISA  CRIMSON 
                        (INTRODUCTORY  RATE),  VISA  CRIMSON  REWARDS,  VISA  CRIMSON  REWARDS  (INTRODUCTORY  RATE),  VISA 
    P O Box 58025, Salt Lake City, UT 84158 
                        STUDENT REWARDS, VISA STUDENT REWARDS (INTRODUCTORY RATE), VISA SECURED AND VISA SECURED 
    (801) 481-8800 FAX (801) 481-8820
                        (INTRODUCTORY RATE) CREDIT CARDS. PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT 
    www.UFirstCU.com
                        ONCE IF ANY PARTS ARE UNCLEAR.  
    Interest Rate and Interest Charges
    Annual Percentage  VISA Crimson: _______% - _______% based on Your creditworthiness.
    Rate (APR) For     This APR will vary with the market based on the Prime Rate.
    Purchases
                     VISA Crimson (Introductory Rate): _______% - _______% based on Your 
                     creditworthiness.
                       This APR will vary with the market based on the Prime Rate.
                     VISA Crimson Rewards: _______% - _______% based on Your creditworthiness.
                       This APR will vary with the market based on the Prime Rate.
                     VISA Crimson Rewards (Introductory Rate): _______% - _______% based on Your 
                     creditworthiness.
                       This APR will vary with the market based on the Prime Rate.
                     VISA Student Rewards: _______% - _______% based on Your creditworthiness.
                       This APR will vary with the market based on the Prime Rate.
                     VISA Student Rewards (Introductory Rate): _______% - _______% based on Your 
                     creditworthiness.
                       This APR will vary with the market based on the Prime Rate.
                     VISA Secured: _______% - _______% based on Your creditworthiness.
                     VISA Secured (Introductory Rate): _______% - _______% based on Your 
                     creditworthiness.
    Annual Percentage  VISA Crimson: _______% - _______% based on Your creditworthiness.
    Rate (APR) For     This APR will vary with the market based on the Prime Rate.
    Balance Transfers
                     VISA Crimson (Introductory Rate): _______% - _______% based on Your creditworthiness.
                       This APR will vary with the market based on the Prime Rate.
                     VISA Crimson Rewards: _______% - _______% based on Your creditworthiness.
                       This APR will vary with the market based on the Prime Rate.
                     VISA Crimson Rewards (Introductory Rate): _______% - _______% based on Your 
                     creditworthiness.
                       This APR will vary with the market based on the Prime Rate.
                     VISA Student Rewards: _______% - _______% based on Your creditworthiness.
                       This APR will vary with the market based on the Prime Rate.
                     VISA Student Rewards (Introductory Rate): _______% - _______% based on Your 
                     creditworthiness.
                       This APR will vary with the market based on the Prime Rate.
                     VISA Secured: _______% - _______% based on Your creditworthiness.
                     VISA Secured (Introductory Rate): _______% - _______% based on Your creditworthiness.
                       SEE PAGE 2 for more important information about Your Account 
   Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.  Page 1 of 3   OTBS 016A FRB_Web UNUT (10/21)
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    Interest Rate and Interest Charges (continued)
    Annual Percentage Rate  VISA Crimson: _______% - _______% based on Your creditworthiness.
    (APR) For Cash Advances This APR will vary with the market based on the Prime Rate.
                       VISA Crimson (Introductory Rate): _______% - _______% based on Your creditworthiness.
                          This APR will vary with the market based on the Prime Rate.
                       VISA Crimson Rewards: _______% - _______% based on Your creditworthiness.
                          This APR will vary with the market based on the Prime Rate.
                       VISA Crimson Rewards (Introductory Rate): _______% - _______% based on Your 
                       creditworthiness.
                          This APR will vary with the market based on the Prime Rate.
                       VISA Student Rewards: _______% - _______% based on Your creditworthiness.
                          This APR will vary with the market based on the Prime Rate.
                       VISA Student Rewards (Introductory Rate): _______% - _______% based on Your 
                       creditworthiness.
                          This APR will vary with the market based on the Prime Rate.
                       VISA Secured: _______% - _______% based on Your creditworthiness.
                       VISA Secured (Introductory Rate): _______% - _______% based on Your creditworthiness.
    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 balance transfers 
                       and cash advances on the transaction date.
    Fees
    Transaction Fees
        Cash Advance   1.50% of each cash advance.
        Foreign Transaction 1.00% of each foreign currency transaction in U.S. Dollars.
                       1.00% of each U.S. Dollar transaction that occurs in a foreign country.
    Penalty Fees
        Late Payment   Up to $25.00
        Returned Payment Up to $10.00
    How We Will Calculate Your Balance:
                       SEE PAGE 1 for more important information about Your Account 
   FINANCE CHARGES. In the case of any transactions under Your VISA Crimson, VISA Crimson (Introductory Rate), VISA Crimson Rewards, VISA Crimson Rewards 
   (Introductory Rate), VISA Student Rewards, VISA Student Rewards (Introductory Rate), VISA Secured or VISA Secured (Introductory Rate) Feature Categories, the balances 
   subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions).To get the average daily balance, 
   We take the beginning balance each day, add any new purchases, balance transfers, cash advances, insurance premiums, debit adjustments or other charges and subtract 
   any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number 
   of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the 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. Balance transfers and cash advances 
   are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to 
   Your Account. 
   For VISA Crimson the initial Daily Periodic Rate will range from ______ % to ______ % (corresponding ANNUAL PERCENTAGE RATE _____% to _____%) subject to 
   Your creditworthiness. 
   For VISA Crimson (Introductory Rate), during the __-month period immediately following the date that Your Account is established, purchase, balance transfer, and cash advance 
   transactions will accrue finance charges at an introductory Daily Periodic Rate. Upon the expiration of the introductory rate period, the entire balance of purchases, balance 
   transfers, and cash advances existing at that time and in the future will accrue finance charges at a non-introductory variable rate.  For VISA Crimson (Introductory Rate) the non-
   introductory Daily Periodic Rate will range from _______% to _______% (corresponding ANNUAL PERCENTAGE RATE _____% to _____%) subject to Your creditworthiness. 
   For VISA Crimson Rewards the initial Daily Periodic Rate will range from _______% to _______% (corresponding ANNUAL PERCENTAGE RATE _____% to _____%) subject 
   to Your creditworthiness. 
   Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.  Page 2 of 3   OTBS 016A FRB_Web UNUT (10/21)
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   For VISA Crimson Rewards (Introductory Rate), during the __-month period immediately following the date that Your Account is established, purchase, balance transfer, and cash 
   advance transactions will accrue finance charges at an introductory Daily Periodic Rate. Upon the expiration of the introductory rate period, the entire balance of purchases, 
   balance transfers, and cash advances existing at that time and in the future will accrue finance charges at a non-introductory variable rate.  For VISA Crimson Rewards 
   (Introductory Rate) the non-introductory Daily Periodic Rate will range from _______% to _______% (corresponding ANNUAL PERCENTAGE RATE ______% to ______%) 
   subject to Your creditworthiness. 
   For VISA Student Rewards the Daily Periodic Rate will range from _______% to _______% (corresponding ANNUAL PERCENTAGE RATE ______% to ______%) subject to 
   Your creditworthiness. 
   For VISA Student Rewards (Introductory Rate), during the __-month period immediately following the date that Your Account is established, purchase, balance transfer, and 
   cash advance transactions will accrue finance charges at an introductory Daily Periodic Rate. Upon the expiration of the introductory rate period, the entire balance of purchases, 
   balance transfers, and cash advances existing at that time and in the future will accrue finance charges at a non-introductory variable rate.  For VISA Student Rewards 
   (Introductory Rate) the non-introductory Daily Periodic Rate will range from _______% to _______% (corresponding ANNUAL PERCENTAGE RATE ______% to ______%) 
   subject to Your creditworthiness. 
   For VISA Secured the Daily Periodic Rate will range from _______% to _______% (corresponding ANNUAL PERCENTAGE RATE ______% to ______%) subject to 
   Your creditworthiness. 
   For VISA Secured (Introductory Rate), during the __-month period immediately following the date that Your Account is established, purchase, balance transfer, and cash advance 
   transactions will accrue finance charges at an introductory Daily Periodic Rate. Upon the expiration of the introductory rate period, the entire balance of purchases, balance 
   transfers, and cash advances existing at that time and in the future will accrue finance charges at a non-introductory rate.  For VISA Secured (Introductory Rate) the non-
   introductory Daily Periodic Rate will range from _______% to _______% (corresponding ANNUAL PERCENTAGE RATE ______% to ______%) subject to Your creditworthiness. 
   VISA VARIABLE RATE. For VISA Crimson, VISA Crimson Rewards, and VISA Student Rewards, all advances are subject to a variable rate that is based on an index. The 
   index is the highest Prime Rate as published in the Money Rates section of The Wall Street Journal in effect on the last day of each calendar month ("Index"). To calculate 
   Your interest rate, we add a margin to the index (described elsewhere in this Agreement). The Index plus the Margin equals the Interest Rate. Increases or decreases in the 
   Interest Rate will cause like increases or decreases in the Finance Charge on the 1st day of each calendar month that immediately follows a change in the Index ("Change 
   Date"). Changes in the Interest Rate will affect the number of Your regularly scheduled payments. Your ANNUAL PERCENTAGE RATE will never be greater than 18.00% and 
   will apply to Your remaining principal balance. 
   For VISA Crimson (Introductory Rate), VISA Crimson Rewards (Introductory Rate), and VISA Student Rewards (Introductory Rate), following the expiration of the Introductory 
   Rate period, all advances are subject to a variable rate that is based on an index. The index is the highest Prime Rate as published in the Money Rates section of The Wall 
   Street Journal in effect on the day the Introductory Rate period expires, and subsequently, on the last day of each calendar month ("Index"). To calculate Your interest rate, we 
   add a margin to the index (described elsewhere in this Agreement). The Index plus the Margin equals the Interest Rate. Increases or decreases in the Interest Rate will cause 
   like increases or decreases in the Finance Charge on the day the Introductory Rate period expires, and subsequently, on the 1st day of each calendar month that immediately 
   follows a change in the Index ("Change Date"). Changes in the Interest Rate will affect the number of Your regularly scheduled payments. Your ANNUAL PERCENTAGE 
   RATE will never be greater than 18.00% and will apply to Your remaining principal balance. 
   For VISA Crimson the Margin will range from _____________% to _____________%. 
   For VISA Crimson (Introductory Rate) the Margin will range from _____________% to _____________%. 
   For VISA Crimson Rewards the Margin will range from _____________% to _____________%. 
   For VISA Crimson Rewards (Introductory Rate) the Margin will range from _____________% to _____________%. 
   For VISA Student Rewards the Margin will range from _____________% to _____________%. 
   For VISA Student Rewards (Introductory Rate) the Margin will range from _____________% to _____________%. 
   Copyright Oak Tree Business Systems, Inc., 2021. All Rights Reserved.  Page 3 of 3   OTBS 016A FRB_Web UNUT (10/21)
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