CREDIT LINE ACCOUNT AGREEMENT AND DISCLOSURE 

THIS  IS  YOUR  CREDIT  LINE  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN- 
LENDING  DISCLOSURE  STATEMENTS,  FIRST  TIME  USER  VISA,  LOW  RATE  VISA,  SHARE  SECURED  VISA, 
PLATINUM REW ARDS VISA, WSUAA AFFINITY VISA AND WSUAA  AFFINITY REW ARDS VISA,  AGREEMENTS, 
AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR  FIRST  TIME  USER  VISA,  PLATINUM 
REW ARDS  VISA,  WSUAA  AFFINITY  VISA,  WSUAA  AFFINITY  REW ARDS  VISA,  LOW  RATE  VISA  AND  SHARE 
SECURED VISA, CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERT AIN TO 
READ THIS  AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF  ANY PARTS ARE  UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

First Time User VISA:     17.99 

Share Secured VISA:  12.50 

 % 

% 

Low Rate VISA: 6.25-14.25 % 

Your APR will vary with the market based on the Prime Rate.  

Platinum Rewards VISA:  9.25-17.25  % 

Your APR will vary with the market based on the Prime Rate.  

WSUAA Affinity VISA:  6.25-14.25  % 

Your APR will vary with the market based on the Prime Rate.  

WSUAA Affinity Rewards VISA: 9.25-17.25 % 

Your APR will vary with the market based on the Prime Rate.  

Annual Percentage Rate 
(APR) For Balance Transfers 

First Time User VISA: 17.99 

Share Secured VISA: 12.50 

 % 

% 

Low Rate VISA: 6.25-14.25 % 

Your APR will vary with the market based on the Prime Rate.  

Platinum Rewards VISA: 9.25-17.25 % 

Your APR will vary with the market based on the Prime Rate.  

WSUAA Affinity VISA: 6.25-14.25 % 

Your APR will vary with the market based on the Prime Rate.  

WSUAA Affinity Rewards VISA: 9.25-17.25 % 

Your APR will vary with the market based on the Prime Rate.  

Annual Percentage Rate 
(APR) For Cash Advances 

First Time User VISA: 17.99 

Share Secured VISA: 12.50 

 % 

% 

Low Rate VISA: 6.25-14.25 % 

Your APR will vary with the market based on the Prime Rate.  

Platinum Rewards VISA: 9.25-17.25 % 

Your APR will vary with the market based on the Prime Rate.  

WSUAA Affinity VISA: 6.25-14.25 % 

Your APR will vary with the market based on the Prime Rate.  

WSUAA Affinity Rewards VISA: 9.25-17.25 % 

Your APR will vary with the market based on the Prime Rate.  

ReadyLine: 17.90 

% 

Stretch Pay® Line of Credit: 25.00 

% 

SEE PAGE 2 for more important information about Your Account  

Copyright Oak Tree Business Systems, Inc., 2001-2020. All Rights Reserved. 

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Interest Rate and Interest Charges (continued) 

Paying Interest 

For VISA W e will not charge You interest on purchases if You pay Your entire balance owed 
each month within 25 days of Your statement closing date. 

For all Feature Categories, We will begin charging interest on cash advances and balance 
transfers on the transaction date. 

For Credit Card Tips from 
the Federal Reserve Board 

To learn more about factors to consider when applying for or using a Credit Card, visit the website 
of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fee 

Transaction Fees 

  Foreign Transaction 

Penalty Fees 

  Returned Payment 
  Late Payment 

For StretchPay® Line of Credit, $25.00, $35.00 or $70.00 depending on Your approved 
credit limit. 

For VISA, 1.00% of each foreign currency transaction in U.S. Dollars.  
For VISA, 1.00% of each U.S. Dollar transaction that occurs in a foreign country.  

For VISA up to $25.00 
For VISA up to $20.00 
Except for VISA, 5.00% of the payment due 

How We Will Calculate Your Balance: For all Feature Categories (except VISA), W e use a method called "daily balance." 
For  VISA,  W e  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 

In  this  Agreement,  the  reference  to  "We,"  "Us,"  "Our"  and  "Credit  Union"  mean  WRIG HT -PATT  CREDIT  UNION,  INC.  The  words  "You"  and  "Your"  mean  each  person 
accepting this  Agreement. If this  is  a joint  Account, read singular pronouns  in the  plural. The words "Card" and  "Credit  Card "  mean  any  First  Time  User  VISA,  Low  Rate 
VISA,  Share  Secured  VISA,  Platinum  Rewards  VISA,  WSUAA  Affinity  VISA  or  WSUAA  Affinity  Rewards  VISA,  Credit  Card  issued  to  You  by  Us  and  any  duplicates  or 
renewals. "Convenience Checks" mean the special Account access devices that We may provide for Your use from time to  time. 

You, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute 
Our Agreement with You. Your Account may be accessible through a variety of means which could include advance request forms, vouchers, checks, charge slips, Convenience 
Checks, Credit Cards and the like. Regardless of the  access means, You  promise to  pay  Us  all amounts charged to Your Account  by You  or  by any  user who has access to 
Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges  and other fees or charges described herein. 

FEATURE  CATEGORIES.  Your  Account  has  Feature  Categories which  may  include  ReadyLine (including  Overdraft  Pr otection),  StretchPay® Line  of  Credit,  First  Time 
User VISA, Low Rate VISA, Share Secured VISA, Platinum Rewards VISA, WSUAA Affinity VISA and WSUAA Affinity Rewards VISA.  

ADVANCES.  Whenever You request a transaction,  We  may require  You to  prove 
Your identity. If You request an advance by telephone, We will deposit the amount 
requested in Your share account or Your share draft account and You authorize Us 
to do this, or We may draw a draft or check made payable to You and mail it to You. 
When  the  amount  advanced  appears  on  a  subsequent  statement  that  will  be 
conclusive evidence of Your telephone request. You understand that whether or not 
any specific secured advance request is approved may be determined by how much 
equity You have or will have in the shares and/or collateral offered as security. 

For  advances  under  Your  StretchPay ®  Line  of  Credit  Feature  Category,  all 
advances must be equal to Your approved Credit Limit.  

SECURITY.  As permitted by law, to secure all transactions under this Agreement in 
either  joint  or  individual  Accounts,  We  have  the  right  to  impress  and  enforce  a 
statutory  lien  against  Your  shares  on  deposit  with  Us  (other  than  those  deposits 
established  under  a  governmental  approved  tax  deferral  plan  such  as  an  IRA  or 
Keogh  account),  and  any  dividends  due  or  to  become  due  to  You  from  Us  to  the 
extent that You owe on any unpaid balance on Your Account and We may enforce 
Our right to do so without further notice to You. Additionally, You agree that We may 
set-off any mutual indebtedness. 

You  acknowledge  that  You  own  any  shares  and/or  collateral  pledged  as  security 
and that there are no other liens against them other than Ours. You agree to perform 

all  acts  which  are  necessary  to  make  Our  security  interest  in  the  shares  and/or 
collateral being pledged enforceable. 

All  certificates  which  are  pledged  as  Collateral  must  be  renewed  until  Your 
outstanding  balance  is  paid  in  full.  Failure  to  renew  any  certificates  securing  any 
advance  will  cause  Your  entire  outstanding  Account  balance 
to  become 
immediately due and payable.  

OTHER SECURITY. Collateral (other than household goods or any dwelling) given as 
security under this Agreement or for any other loan You may have with Us will secure 
all amounts You  owe  Us  now and  in the future if that status is reflected in the "Truth- 
In-Lending Disclosure" in any particular Agreement evidencing such debt. 

LIEN  ON  SHARES.  If  You  have been  issued  a  Credit  Card,  You  grant  and 
consent to a lien on Your shares with Us (except for IRA, Keogh and Health 
Savings accounts) and  any  dividends  due  or to become  due to  You from 
Us to the extent You owe on any unpaid Credit Card balance. 

ACCOUNT  RESTRICTIONS.  In  order  to  receive  and  maintain  a  Share  Secured 
VISA Feature Category, You agree to give Us a specific pledge of shares which will 
equal  Your  Credit  Limit.  In  the  event  that  You  default  on  Your  Account,  We  may 
apply  these  shares  toward  the  repayment  of  any  amount  owed  on  Your  Share 

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Secured VISA Category. You may cancel Your Share Secured VISA Account at any 
time by paying any amounts owed on Your Secured VISA Feature Category. To be 
certain  that  Your  entire  balance  and  all  advances  on  Your  Account  are  paid,  any 
shares pledged  may  not  be available to You for 30  days after You  have  cancelled 
and any outstanding balance is paid in full. 

In order to receive and maintain a StretchPay® Line of Credit Feature Category, You 
agree to give  Us  a specific pledge  of shares  at the time  of Your  initial  advance  on 
Your StretchPay® Line of Credit, which will equal 10.00% of Your Credit Limit. The 
funds  required  for  this  pledge  will  be  deducted  from  the  amount  advanced  and 
deposited  into  Your  share  account.  In  the  event  that  You  default  on  Your 
StretchPay® Line  of  Credit  Feature  Category,  We  may  apply these  shares toward 
the  repayment  of  any  amount  owed  on  such  Feature  Category.  The  shares 
originally  pledged  will  be  released  upon  Our  termination  and  closure  of  such 
Feature  Category although they  may  not be available to You for  30 days after any 
outstanding balance is paid in full. 

charged  a  $25.00  Annual  Membership  Fee  for  continued  participation  in  the 
StretchPay®  Line  of  Credit  program.  StretchPay®  Line  of  Credit  Accountholders 
with  approved  Credit  Limits  of  $250.00  will  be  charged  a  $35.00  Annual 
Membership  Fee  for  continued  participation  in  the  StretchPay ®  Line  of  Credit 
program.  StretchPay® Line  of  Credit  Accountholders  with  approved  Credit  Limits 
of  $500.00  will  be  charged  a  $70.00  Annual  Membership  Fee  for  continued 
participation  in  the  StretchPay ® Line  of  Credit  program.  This  fee  is  required  each 
year  to  continue  credit  availability  whether  or  not  You  use  Your  Account 
throughout the  year. 

FINANCE  CHARGES  (EXCEPT  FOR  VISA).  A  Finance  Charge will  be  assessed 
on  any  unpaid  principal  balance  for  each  Feature  Category  of  Your  Account  for 
the  period  such  balance  is  outstanding.  Balances  change  each  time  advances  
are  made,  payments are  made  or  credits given  under  any  Feature  Category.  The 
Finance  Charge  begins  to  accrue  on  the  date  of  each  advance  and  the re  is  no 
grace period. 

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  access  device,  such  as  a 
Personal Identification  Number (PIN)  is requested  and  approved,  You  understand 
that any such Account access device(s) will be mailed only to the primary Borrower 
at the address that We have on file for You. We may refuse to follow any instructions 
which run counter to this provision. 

MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE).  Though You need 
only pay the Minimum Monthly  Payments, You  understand that You  have the right 
to  repay  at  any  time  without  penalty.  You  also  understand  that  You  will  only  be 
charged  periodic  Finance  Charges  to  the  date  You  repay  Your  entire  balance.  
You  may  make  larger  payments  without  penalty.  Any  partial  payment  or 
prepayment will  not  delay Your  next scheduled  payment.  All  payments to  Us  must 
be  in  lawful  money  of  the  United  States.  We  may  apply  each  payment  to 
whichever  Feature  Category  We  wish.  For  all  Feature  Categories  (except  VISA), 
payments  will  be  applied  first  to  any  Late  Charges  owing,  then  to  the  Finance 
Charge due, then to the  outstanding  principal  balance.  Except as required by law, 
the order  in  which  We  may  apply  VISA payments is  at Our discretion.  Any  unpaid 
portion  of  the  Finance  Charge  will  be  paid  by  subsequent  payments  and  will  not 
be  added  to  Your  principal  balance.  You  understand  that  any  delay  in  the 
repayment  of  Your  unpaid  balance  will  increase  Your  periodic  Finance  Charges 
and  any  acceleration  in the repayment  of Your  unpaid  balance will decrease Your 
periodic Finance  Charges. 

ReadyLine  Minimum  Payments  will  be  an  amount  equal  to  3.00%  of  Your  new 
unpaid ReadyLine balance at the end of each billing cycle, subject to the lesser of  
$20.00 or Your balance, plus any portion of the Minimum Payments shown on prior 
statement(s) which remains  unpaid, plus  any amount that  exceeds Your approved 
Credit Limit. 

StretchPay® Line of Credit Minimum Payments will be disclosed to You at the time 
of each  advance  on  a separate page titled "Credit Line  Account  Advance  Request 
and Security Agreement." 

VISA  Minimum  Payments  will  be  an  amount  equal  to  2.00%  of  Your  new  unp aid 
balance  at  the  end  of  each  billing  cycle,  subject  to  the  lesser  of  $20.00  or  Your 
balance,  plus  any  portion  of  the  Minimum  Payments  shown  on  prior  statement(s) 
which remains unpaid, plus any amount that exceeds Your approved Credit Limit. 

You may, by separate agreement, authorize  Us to charge Your payment directly to 
Your share or share draft account.  

LATE  CHARGE  (EXCEPT  FOR  VISA).  If  Your payment is  10  or  more  days late, 
You will be charged 5.00% of the payment due.  

OTHER  FEES  AND  CHARGES (EXCEPT  FOR  VISA).  For all Feature Categories 
(except  VISA),  You  will  be  charged  a  $75.00  FINANCE  CHARGE  each  time  You 
request  and  We  agree  to  lower  the  periodic  rate  and  corresponding  Annual 
Percentage Rate applicable to such Feature Category.  

STRETCHPAY® LINE  OF  CREDIT ANNUAL  MEMBERSHIP  FEE. StretchPay® 
Line  of  Credit  Accountholders  with  approved  Credit  Limits  of  $150.00  will be 

HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT FOR VISA). For all 
Feature  Categories  (except  for  VISA),  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. 

VISA  FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  VISA 
Feature  Categories,  the  balances  subject  to  the  periodic  Finance  Charge  are 
the  average  daily 
  month 
(including new transactions). 

transactions  balances  outst anding  during 

the 

To get the average daily balance during the first billing cycle, We take the beginning 
balance  of  Your  Account  each  day,  add  any  new  purchases,  cash  advances, 
insurance  premiums,  debit  adjustments  or  other  charges  and  subtract  any 
payments,  credits  and  unpaid  Finance  Charges.  This  gives  Us  the  daily  balance. 
Then, We add up all the daily balances for the billing cycle and divide them by thirty 
days (regardless of the actual number of days during the first billing  cycle). 

To get the average daily balance during the second and subsequent billing cycles, 
We take the beginning balance of Your Account each day, add any new purchases, 
cash  advances,  insurance  premiums,  debit  adjustments  or  other  charges  and 
subtract any payments, credits and unpaid Finance Charges. This gives Us the daily 
balance. Then, We add up all the daily balances for the billing cycle and divide them 
by the actual number of days in the billing cycle. 

The Finance Charge for a billing cycle is computed by multiplying the average daily 
balance subject to a Finance Charge by the Monthly Periodic Rate. 

You can avoid Finance Charges on purchases by paying the full amount of the entire 
balance  owed  each  month  within  25  days  of  Your  statement  closing  date. 
Otherwise, the new balance of purchases, and subsequent purchases from the date 
they  are  posted  to  Your  Account,  will  be  subject  to  a  Finance  Charge.  Cash 
advances  and  balance transfers  are always subject to  a  Finance  Charge from the 
later  of the date they  are  posted to Your  Account or from the first day of the billing 
cycle in which the cash advance is posted to Your Account. 

VISA  VARIABLE  RATE.  For  Low  Rate  VISA,  Platinum  Rewards  VISA,  WSUAA 
Affinity  VISA and  WSUAA  Affinity  Rewards  VISA feature  categories, all  advances 
are  subject  to  a  Variable  Rate  which  is  based  on  the  highest  Prime  Rate  as 
published  in  the  Money  Rates  section  of  The  Wall  Street  Journal  in  effect  on  the 
last day of each calendar quarter of each year ("Index") plus Our Margin. The Index 
plus the Margin equals the Interest Rate. Changes in the Index will cause changes 
in  the  Interest  Rate  on  the  first  day  of  the  billing  cycle  in  the  month  immediately 
following any such change in the index. Increases or decreases in the Interest Rate 
will  cause  like  increases  or  decreases  in  the  Finance  Charge  and  will  affect  the 
number  of  Your  regularly  scheduled  payments.  Other  than  the  maximum  and 
minimum  Interest  Rates  that  can  apply  at  any  time,  Your  Interest  Rate  will  never 
increase or decrease by more than 1.00 percentage point on any change date. Your 
Interest  Rate  will  never  be  greater than  25.00%, and  will  apply to  Your remaining 
principal balance. 

For  the  applicable  Index,  Margin,  Daily  or  Monthly  Periodic  Rates  and 
corresponding  Annual  Percentage  Rates  for  all  Feature  Categories,  refer  to 
the separate page titled Additional Disclosure - Federal Truth In-Lending Act" 
and/or  "Credit  Line  Account  Advance  Request  And  Security  Agreement" 
which We have included with and made a part of this Agreement. 

Copyright Oak Tree Business Systems, Inc., 2001-2020. All Rights Reserved. 

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OVERDRAFT  PROTECTION. We may transfer funds in the amount necessary (or 
in  such  increments  as  We  may  from  time  to  time  determine)  to  Your  share  draft 
Account by an  advance  on  ReadyLine  Feature  Category,  subject to this  provision, 
to  clear  any overdraft on  Your  share  draft  account.  Whether  or  not  such tra nsfers 
occur will be controlled by this Agreement. In any event, You hold  Us harmless for 
any  and  all  liability  which  might  otherwise  arise  if  the  transfer  does  not  occur. 
Overdraft  protection  automatically  ceases  if  this  Agreement  is  ever  cancelled  or 
terminated or Your Account is in default.  

PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement 
showing  all  transactions  on  Your  Account  including  amounts  paid  and  borrowed 
since Your last statement. We will mail You a statement each month in which there 
is  a  debit  or  credit  balance  or  when  a  Finance  Charge  is  imposed.  We  need  not 
send You a statement if We feel Your Account is uncollectible or if We have started 
collection  proceedings  against  You  because  You  defaulted.  Each  statement  is 
deemed  to  be  a  correct  statement  of  account  unless  You  establish  a  billing  error 
pursuant to the Federal Truth-In-Lending Act. 

OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under 
no  obligation to  honor  Your  Convenience  Checks if:  (1) by  paying  a  Convenience 
Check,  You  would  exceed  Your  Credit  Limit;  (2)  Your  Cards  or  Convenience 
Checks have been reported lost or stolen; (3) Your Account has been cancelled or 
has  expired. If a postdated  Convenience  Check is  paid and, as  a result,  any other 
Convenience  Check  is  returned  unpaid,  We  are  not  responsible  for  any  resulting 
loss or liability. 

DEFAULT.  You will be  in  default  if: (a) You do  not  make  any  payment  or  perform 
any  obligation  under  this  Agreement,  or  any  other  agreement  that  You  may  have 
with  Us; or (b) You should die, become  involved in  any insolvency, receivership  or 
custodial  proceeding  brought  by  or  against  You;  or  (c)  You  have  made  a  false  or 
misleading  statement  in  Your  credit  application  and/or  in  Your  representations  to 
Us while You owe money on Your Account; or (d) A judgment or tax lien should be 
filed  against You  or  any  attachment or garnishment should be  issued  against any 
of  Your  property  or  rights,  specifically  including  anyone  starting  an  action  or 
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in 
good faith, believe Your ability to repay Your indebtedness hereunder is or soon will 
be impaired, time being of the very essence. 

Upon  any  occurrence  of  default,  We  may,  to  the  extent  permitted  by  law,  cancel 
Your  rights  under  this  Agreement,  require  the  return  of  all  access  devices  and 
declare the entire balance of every Feature  Category of Your Account immediately 
due and payable, without prior notice or demand.  

COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
payment on this Account, to the extent permitted by law, You agree to pay all court 
costs,  private  process  server  fees,  investigation  fees  or  other  costs  incurred  in 
collection  and  reasonable  attorneys'  fees  incurred  in  the  course  of  collecting  any 
amounts owed under this Agreement or in the recovery of any  collateral. 

ENFORCEMENT.  We  do  not  lose  Our  rights  under  this  or  any  related  agreement  if 
We delay enforcing them. We can accept late payments, partial payments or any other 
payments, even if they are marked "paid in full" without losing any of Our rights under 
this Agreement. If any provision  of this or  any related agreement is  determined to  be 
unenforceable or invalid, all other provisions remain in full force and effect. 

NOTIFICATION OF  ADDRESS  CHANGE.  You will notify  Us promptly if You move 
or otherwise have a change of address.  

CHANGE  IN  TERMS.  We  may  change the terms  of this  Agreement  by  mailing or 
delivering to You written notice of the changes as prescribed by the Federal Truth- 
In-Lending Act. To the extent permitted by law, the right to change the terms of this 
Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the  periodic  rate 
applicable to Your unpaid balance and/or future advances. 

UPDATING AND DISCLOSING FINANCIAL INFORM ATION. 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  necessar y,  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 consume r 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 Ohio  except to the  extent that  such  laws  are  inconsistent with controlling 
federal law. 

SPECIFIC TERMS  APPLICABLE TO YOUR  
FIRST TIME USER VISA, LOW RATE VISA, SHARE SECURED 
VISA, PLATINUM REW ARDS VISA, WSUAA  AFFINITY VISA AND 
WSUAA  AFFINITY REW ARDS VISA CREDIT CARDS  

USE  OF  YOUR  CARD.  You  may  use  Your  Card  to  buy  goods  and  services  in 
any  place  that  it  is  honored  and  to  get    cash    advances    at    participating  
financial  institutions.  You  agree  not  to  use  Your  Card  for  illegal  transactions 
including,  but  not  limited to,  advances  made  for t he  purpose of  gambling  and/or 
wagering  where  such  practices  are  in  violation  of  applicable  state  and/or  
federal law. 

EFFECT OF  AGREEMENT.  Even though the  sales, cash  advance, credit or other 
slips You may sign or receive when using Your Card contain terms, this Agreement 
is the contract which solely applies to all transactions involving the  Card. 

UNAUTHORIZED  USE. You  may be liable for the  unauthorized  use of Your  Card. 
You will not be liable for the unauthorized use that occurs after You notify Us of the 
loss,  theft,  or  possible  unauthorized  use  by  calling  Us  at  the  telephone  number 
shown in this Agreement or by writing to Us at the address shown in this Agreement. 
In any case, Your liability will not exceed $50.00. 

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS.  We are not 
liable  for  the  refusal  or  inability  of  merchants,  financial  institutions  and    others  
to  accept  the  Cards  or  Convenience  Checks,  or  electronic  terminals  to    honor 
the  Cards  or  complete  a  Card  withdrawal,  or  for  their  retention  of  the  Cards  or 
Convenience  Checks. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries  and 
foreign  currencies,  the  exchange  rate  between  the  transaction  currency  and  the 
billing  currency  ( U.S.  Dollars)  will  be:  (a)  a  rate  selected  by  VISA  from  the  range  
of  rates  available  in  wholesale  currency  markets  for  the  applicable  central 
processing  date,  which  rate  may  vary  from  t he  rate  VISA  itself  receives;    or  (b)  
the  government-mandated  rate  in  effect  for  the  applicable  central    processing 
date.  For transactions that  are  initiated  in  a foreign  currency, You will  be charged 
1.00%  of  the  final  settlement  amount.  For  transactions  occurring  in  foreign 
countries  and  initiated  in  U.S.  Dollars,  You  will  be  charged  1.00%  of  the  final 
settlement amount. 

TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant, 
electronic  terminal  or  financial  institution  at  which  transactions  were  made,  but 
sales, cash advances, credit or other slips cannot be returned with the statement.  

LATE  CHARGE. If Your payment is five or more days late, You will be charged the 
lesser of: (a) the amount of the minimum payment due; or (b) $20.00. 

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. 

OTHER  FEES  AND  CHARGES.  You will  be charged the  lesser of  $25.00 for  any 
check (or other negotiable instrument used for payment) which is returned unpaid, 
or the required minimum payment amount for the returned payment.  

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
Disclosure  -  Federal  Truth-In-Lending  Act,"  "Additional  Disclosure"  and/or  "Credit 
Line  Account  Advance  Request  and  Security  Agreement"  which  is  delivered 
together with this  Agreement  or  at  a  later  date  becomes an  integrated  part  of this 
Agreement and Disclosure. 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement.  By  signing  the  application;  or  by  using  Your  Account  or  any  Account 
access  device;  or  by  authorizing  another  to  use  Your  Account,  You  agree  to  and 
accept its terms. 

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
or Convenience Checks, You will immediately call Us at or write to Us at the address 
shown in this Agreement. 

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments,  they  will  do  so  by  sending  Us  a  slip  which  will  be  posted  to  Your 
Account. If Your credits and payments exceed what You owe  Us, We will hold and 
apply  this  credit  against  future  purchases  and  cash  advances,  or  if  it  is  $1.00  or 
more  refund  it  on  Your  written  request  or  automatically  deposit  it  to  Your  share 
account after six months. 

Copyright Oak Tree Business Systems, Inc., 2001-2020. All Rights Reserved. 

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Your Billing Rights: Keep this Document for Future Use  

After We finish Our investigation, one of two things will happen:  

This notice tells You about Your rights and Our responsibilities under the Fair 
Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement  

If You think there is an  error  on Your statement, write to  Us at Our address shown 
in this Agreement. In Your letter, give Us the following information:  
.  Account information: Your name and Account number. 
.  Dollar amount: The dollar amount of the suspected error. 
.  Description of problem: If You think there is an error on Your bill, describe what 

You believe is wrong and why You believe it is a mistake.  

You must contact Us: 
.  Within 60 days after the error appeared on Your statement. 
.  At least three business days before an automated payment is scheduled, if You 

want to stop payment on the amount You think is wrong.  

 

 

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  t hen  report  You  as  delinquent  if  You  do  not  pay  the  amount  We  think 
You  owe. 

If  You  receive  Our  explanation  but  still  believe  Your  bill  is  wrong,    You  must  
write  to    Us    within  10  days  telling  Us  that  You  still  refuse  to  pay.  If  You  do  so,  
We  cannot  report  You  as  delinquent  without  also  reporting  that  You  are 
questioning  Your  bill.  W e  must  tell  You  the  name  of  anyone  to  whom  W e 
reported  You  as  delinquent,  and  We  must  let  those  organizations  know  whe n 
the  matter  has  been  settled  between  Us.  If  W e  do  not  follow  all  of  the  rules 
above,  You  do  not  have  to  pay  the  first  $50.00  of  the    amount    You  question 
even if Your bill is  correct. 

Your Rights If You  Are Dissatisfied With Your Credit Card Purchases  

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. 

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: 

What Will Happen  After We Receive Your Letter 

When We receive Your letter, We must do two things:  

1)  Within 30 days of receiving Your letter, We must tell You that We received Your 

letter. We will also tell You if We have already corrected the error. 

2)  Within 90 days of receiving Your letter, We must either correct the error or 

explain to You why We believe the bill is correct. 

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 $50.00. (Note: Neither of these are necessary if Your purchase was based 
on an advertisement We mailed to You, or if We own the company that sold You 
the goods or services.) 

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. 

While We investigate whether or not there has been an error: 

3)  You must not yet have fully paid for the purchase. 

  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. 

If all  of the  criteria  above  are  met  and  You  are  still  dissatisfied with the  purchase, 
contact Us in writing at Our address shown in this Agreement.  

While  We investigate,  the  same  rules  apply  to  the  disputed  amount  as  discussed 
above.  After  We  finish  Our  investigation,  We  will  tell  You  Our  decision.  At  that 
point,  if  We  think  You  owe  an  amount    and  You  do  not  pay,  We  may  report  You  
as delinquent. 

Copyright Oak Tree Business Systems, Inc., 2001-2020. All Rights Reserved. 

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