CREDIT LINE ACCOUNT AGREEMENT AND FEDERAL
TRUTH-IN-LENDING DISCLOSURE STATEMENTS

PO Box 4044
Beaverton, OR 97076-4044
(503) 626-6600  Fax: (503) 350-0126

THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING
DISCLOSURE STATEMENTS, PLATINUM REWARDS VISA, SHARE SECURED VISA AND PLATINUM VISA AGREEMENTS, AND
ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR PLATINUM REWARDS VISA, SHARE SECURED VISA AND
PLATINUM VISA CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS
AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Interest Rate and Interest Charges

Annual Percentage Rate
(APR) For Purchases

Platinum Rewards VISA: _________% Platinum VISA: _________%

Share Secured VISA: _________%

APR for Balance Transfers

Platinum Rewards VISA: _________%

Platinum VISA: _________%

Share Secured VISA: _________%

APR for Cash Advances

Platinum Rewards VISA: _________%

Platinum VISA: _________%

Share Secured VISA: _________%

Personal Line of Credit: _________%

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

Paying Interest

For VISA, Your due date is at least 25 days after the close of each billing cycle. We will not charge
You interest on purchases if You pay Your entire balance by the due date each month. We will
begin charging interest on cash advances and balance transfers on the transaction date.

For all other Feature Categories, You will be charged interest from the transaction date.

For Credit Card Tips from
the Federal Reserve Board

To learn more about factors to consider when applying for or using a Credit Card, visit the website
of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees

Transaction Fees
 Foreign Transaction Fee

Penalty Fees
 Returned Payment

 Late Payment

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

For VISA, up to $25.00
For all other Feature Categories, $25.00
For VISA, up to $25.00 after 7 days;
For all other Feature Categories, the greater of $20.00 or 6.00% of the payment due after 7 days

How We Will Calculate Your Balance: For VISA, We use a method called "average daily balance (including new purchases).” For 
all other Feature Categories, We use a method called "daily balance (including new purchases)". In all cases see Your Agreement
for details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Agreement.

SUMMARY. This is an open-end, multi-featured credit plan that RIVERMARK COMMUNITY CREDIT UNION anticipates will be accessed repeatedly under the
feature categories described herein. All advances are subject to applicable rates and fees, along with the other terms and conditions described in this Agreement
and in any other agreement related to such advance. Advances are partially secured or fully secured depending on the type of advance obtained. For a complete
explanation of the terms and conditions, please read each section that follows in its entirety, and if any parts are unclear You should contact a credit union
representative immediately.

DEFINITIONS. In this Agreement, the reference to "We", "Us", "Our" and "Credit Union" mean RIVERMARK COMMUNITY CREDIT UNION. The words "You"
and "Your" mean each person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean
any Platinum Rewards VISA, Share Secured VISA and Platinum 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.

Copyright Oak Tree Business Systems, Inc., 2008-2011. All Rights Reserved.

Page 1 of 5

OTBS 016 RMAR (9/11)

PROMISE TO PAY. 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, 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 Personal Line of Credit, Platinum Rewards VISA, Share Secured VISA
and Platinum VISA.

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

CROSS-COLLATERAL AS SECURITY. Collateral (other than household
goods or any dwelling used as Your principal residence) 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 FUNDS DEPOSITED AS 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 funds 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. If such funds on deposit or dividends due are owned
jointly, Our right of set-off and Our impressed lien extends to any amount owed
to Us by any of the joint owners.

You acknowledge that You own any certificates, shares and/or Collateral
pledged as security and that there are no other liens against them other than
Ours. You agree to perform all acts which are necessary to make Our security
interest in the certificates, shares and/or Collateral being pledged enforceable.

VISA PURCHASE MONEY SECURITY. For all purchase money transactions
made with Your Card, to the extent permitted by law, You grant Us a security
interest in all such personal property purchased with such Card.

CONSENSUAL LIEN ON FUNDS DEPOSITED AS SECURITY. If You have
been issued a Credit Card, ATM card or debit card, You grant and
consent to a lien on Your funds on deposit with Us (except for IRA and
Keogh accounts) and any dividends due or to become due to You from
Us to the extent You owe on any unpaid Credit Card balance, or
Account balance created through the use of Your ATM card or debit
card. If such funds on deposit or dividends due are owned jointly, Our
right of set-off and Our consensual lien extends to any amount owed to
Us by any of the joint owners.

In order

ACCOUNT RESTRICTIONS.
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
Share Secured VISA Feature Category, We may apply these shares toward
the repayment of any amount owed on such Feature Category. You may
cancel Your Share Secured VISA Feature Category at any time by paying any
amounts owed on that Feature Category. To be certain that Your entire
balance and all advances are paid, any shares pledged may not be available
to You for 30 days after You have cancelled and any outstanding balance is
paid in full.

LINE OF CREDIT LIMITS. You will be notified of any 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,
individually and
together, for the repayment of any amounts owed. If any Account access
Identification Number (PIN) is requested and
device, such as a Personal
approved, You understand that any such Account access device(s) will only be
provided 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, We may apply VISA
payments in an order of Our choosing. Any unpaid portion of the Finance
Charge will be paid by subsequent payments and will not be added to
Your principal balance. You understand that any delay in the repayment
of Your unpaid balance will increase Your periodic Finance Charges and
any acceleration in the repayment of Your unpaid balance will decrease
Your periodic Finance Charges.

Personal Line of Credit and VISA Minimum Monthly Payments will be
established at the close of each billing cycle at an amount equal to 3.00% of
Your then outstanding balance, subject
to the lesser of $20.00 or Your
the Minimum Payments shown on prior
balance, plus any portion of
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.

VARIABLE RATE (FOR PERSONAL LINE OF CREDIT). Personal Line of
Credit advances are subject to a Variable Rate which is based on the highest
Prime Rate as published in the Money Rates section of The Wall Street
Journal on the last business day of each month ("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 each month of each
year. Increases or decreases in the Interest Rate will cause like increases or
decreases in the Finance Charge and will affect the number of Your regularly
scheduled payments. Under some circumstances, your payment will not cover
the Finance Charges, and if applicable the costs for debt cancellation
coverage, that accrue.
If necessary, Your payment will be adjusted to the
amount needed to avoid negative amortization. Your Interest Rate will never
be greater than the maximum permitted under applicable law and will apply to
Your remaining principal balance.

For all Feature Categories, the applicable Index, Margin, Daily Periodic
Rate and corresponding annual percentage rate will be disclosed to You
on the separate page titled “Credit Line Account Advance Request and 
Security Agreement” which We have included with and made a part of 
this Agreement.

LATE CHARGE (EXCEPT VISA). If Your payment is more than seven days
late, You will be charged the greater of $20.00 or 6.00% of the payment due.

OTHER FEES AND CHARGES (EXCEPT VISA). You will be charged the
following fees associated with our Account: (a) $25.00 for any check (or other
negotiable instrument used for payment) which is returned unpaid; and (b) for
Personal Line of Credit and VISA Feature Categories, $25.00 for each
Convenience Check We return unpaid.

PERSONAL LINE OF CREDIT FINANCE CHARGES. A Finance Charge will
be assessed on any unpaid principal balance the period such balance is
outstanding. Balances change each time advances are made, payments are
made or credits given. The Finance Charge begins to accrue on the date of
each advance and there is no grace period.

Copyright Oak Tree Business Systems, Inc., 2008-2011. All Rights Reserved.

Page 2 of 5

OTBS 016 RMAR (9/11)

HOW TO DETERMINE THE FINANCE CHARGE FOR PERSONAL LINE OF
CREDIT. 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, costs for debt cancellation coverage
or other charges, such as collection expenses, 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, the balances
subject
to the periodic Finance Charge are the separate average daily
transactions balances outstanding during the month (including new
transactions) for purchases, cash advances and balance transfers. To get
each average daily balance, We take the beginning balance for purchases,
cash advances and balance transfers each day, add any new transactions
for purchases, cash advances and balance transfers (costs for debt
cancellation coverage, debit adjustments or other charges, such as
collection expenses, as applicable) and subtract any payments, credits and
unpaid Finance Charges. This gives Us the daily balance(s) for purchases,
cash advances and balance transfers. Then, We add up the separate daily
balances for purchases, cash advances and balance transfers for the billing
cycle and divide them by the number of days in the billing cycle to arrive at
the separate average daily transactions balances for purchases, cash
advances and balance transfers. The Finance Charge for a billing cycle is
computed by multiplying each average daily balance subject to a Finance
Charge by the applicable Daily Periodic Rate times the number of days in
the billing cycle, and the sum is the amount of the Finance Charge owed for
the billing cycle being accounted for.

Your due date is at least 25 days after the close of each billing cycle. You can
avoid Finance Charges on purchases by paying the full amount of the entire
balance owed each month by the payment due date. Otherwise, the new
balance of purchases, and subsequent purchases from the date they are
posted to Your Account, will be subject to a Finance Charge. Cash advances
and balance transfers are always subject to a Finance Charge from the later of
the date they are posted to Your Account or from the first day of the billing
cycle in which the transaction is posted to Your Account.

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 Your Personal Line of Credit or Credit Card
accessible Feature Category, subject to this provision and any preference You
have indicated to Us for clearing any overdraft on Your share draft account.
Whether or not such transfers 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.

As disclosed to You previously, all owners of accounts owned jointly are liable
for any overdrafts that may occur on those accounts, regardless of whether or
not a benefit occurred and checks cashed against any such account are
subject to collectibility from that account if returned unpaid. All of which means
that if this overdraft protection function is attached to an account owned jointly,
then overdraft transfers will be made even if You are not the party that caused
the overdraft to occur in the first place.

Check is payable to the Credit Union and represents payment on the Account
that it is drawn on. You may be able to stop payment of a Convenience Check
by contacting a Credit Union representative and following the directions that
are provided.

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 bankruptcy,
receivership or custodial proceeding filed 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
rights,
garnishment should be issued against any of Your property or
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.

lose Our

ENFORCEMENT. We do not
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
is determined to be unenforceable or invalid, all other
related agreement
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.

this Agreement by
CHANGE IN TERMS. We may change the terms of
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: (a) change the periodic rate applicable to Your unpaid balance and/or
future advances; and (b) change the Feature Categories that are accessible
under Your Account.

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.

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional
Disclosure - Federal Truth-In-Lending Act", and/or
"Credit Line Account
Advance Request and Security Agreement" which is delivered together with
this Agreement or at a later date becomes an integrated part of this Agreement
and Disclosure.

transactions on Your Account

PERIODIC STATEMENTS. On a regular basis, You will receive a statement
showing all
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
Convenience Check is post-dated. We are not responsible, however, if any
such Convenience Check is honored and, as a result, any other Convenience
Check is returned unpaid; (3) Your Convenience Checks have been reported
lost or stolen; (4) Your Convenience Check is not signed by a Borrower under
this Agreement; (5) Your Account has been cancelled or terminated as
provided for in this Agreement; (6) Your Convenience Check is written for an
amount less than the minimum required amount; and/or (7) Your Convenience

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of
this
Agreement. By signing the application; or by using Your Account or any
Account access device; or by authorizing another to use Your Account, You
agree to and accept its terms.

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide
facts to update information contained in Your original Account application or
other financial information related to You, at Our request. You also agree that
We may, from time to time, as We deem necessary, make inquiries pertaining
to Your employment, credit standing and financial responsibility in accordance
with applicable laws and regulations. You further agree that We may give
information about the status and payment history of Your Account to consumer
credit reporting agencies, a prospective employer or insurer, or a state or
licensing agency having any apparent legitimate business need for
federal
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
in any case, remain liable to pay any unpaid balances
default. You will,
according to the terms of Your Account.

Copyright Oak Tree Business Systems, Inc., 2008-2011. All Rights Reserved.

Page 3 of 5

OTBS 016 RMAR (9/11)

GOVERNING LAW. This Agreement is controlled and governed by the laws of
the State of Oregon except to the extent that such laws are inconsistent with
controlling federal law.

$1.00 or more refund it on Your written request or automatically deposit it to
Your share account after six months.

SPECIFIC TERMS APPLICABLE TO YOUR CARD

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 the purpose of gambling
and/or wagering where such practices are in violation of applicable state
and/or federal law.

Your Billing Rights: Keep this Document for Future Use

This notice tells You about Your rights and Our responsibilities under the Fair
Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If You think there is an error on Your statement, write to Us at Our address
shown in this Agreement. In Your letter, give us the following information:

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

 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.

ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will
issue,
Identification Number (PIN) for use with
upon Your request, a Personal
participating Automated Teller Machines (ATMs). This PIN is confidential and
should not be disclosed to anyone. You may use Your PIN to access Your
Account and all sums advanced will be added to Your Account balance. In the
event a use of Your PIN constitutes an Electronic Fund Transfer, the terms
and conditions of Your Electronic Fund Transfer Agreement may also affect
Your rights.

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or
other slips You may sign or receive when using Your Card contain terms, 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 (800)
452-8502 or (503) 626-6600, or by writing to Us at P.O. Box 4044, Beaverton,
OR 97076-4044. 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 the rate VISA itself
receives; or (b) the government-mandated rate in effect
for the applicable
transactions that are initiated in a foreign
central processing date. For
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 more than seven days late, You will be
charged the lesser of: (a) the amount of the minimum payment due; or (b)
$25.00.

the required minimum payment amount

OTHER FEES AND CHARGES. You will be charged the following fees
associated with the use of Your Card: (a) the lesser of $25.00 for any
check (or other negotiable instrument used for payment) which is returned
unpaid, or
the returned
payment; (b) $5.00 for each replacement Card You request; (c) $10.00 for
each statement or sales draft copy that You request; (d) $25.00 each time
that We deliver an item on an expedited basis; and (e)
You request
$65.00 each time You fail
to return to Us any Cards that are in Your
possession after reporting a lost or stolen Card, or in the event We
terminate Your credit privileges.

for

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit
immediately call Us at (800) 452-
Cards or Convenience Checks, You will
8502 or (503) 626-6600, or write to Us at P.O. Box 4044, Beaverton, OR
97076-4044.

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

You must contact Us:

 Within 60 days after the error appeared on Your statement.
 At least 3 business days before an automated payment is scheduled, if

You want to stop payment on the amount You think is wrong.

You must notify Us of any potential errors in writing. You may call Us, but if
You do We are not required to investigate any potential errors and You may
have to pay the amount in question.

What Will Happen After We Receive Your Letter

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.

While We investigate whether or not there has been an error:

 We cannot

try to collect
delinquent on that amount.

the amount

in question, or report You as

 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
responsible for the remainder of Your balance.

in question, You are

 We can apply any unpaid amount against Your Credit Limit.

After We finish Our investigation, one of two things will happen:

 If We made a mistake: You will not have to pay the amount in question or

any interest or other fees related to that amount.

 If We do not believe there was a mistake: You will have to pay the
amount in question, along with applicable interest and fees. We will send
You a statement of the amount You owe and the date payment is due.
We may then report You as delinquent if You do not pay the amount We
think You owe.

If You 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. We must tell You the name of anyone to whom we
reported You as delinquent, and We must let those organizations know when
the matter has been settled between Us. If We do not follow all of the rules
above, You do not have to pay the first $50 of the amount You question even if
Your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If You are dissatisfied with the goods or services that You have purchased with
Your Credit Card, and You have tried in good faith to correct the problem with
the merchant, You may have the right not to pay the remaining amount due on
the purchase. To use this right, all of the following must be true:

1)

2)

The purchase must have been made in Your home state or within 100
miles of Your current mailing address, and the purchase price must have
been more than $50. (Note: Neither of
these are necessary if Your
purchase was based on an advertisement We mailed to You, or if We
own the company that sold You the goods or services.)

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.

Copyright Oak Tree Business Systems, Inc., 2008-2011. All Rights Reserved.

Page 4 of 5

OTBS 016 RMAR (9/11)

3)

You must not yet have fully paid for the purchase.

If all of
purchase, contact Us in writing at Our address shown in this Agreement.

the criteria above are met and You are still dissatisfied with the

the same rules apply to the disputed amount as
While We investigate,
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.

SIGNATURES

You warrant the truth of the information contained in Your Credit Line Application, a completed copy of which You acknowledge receiving for Your records, and
You realize that it was relied upon by Us in deciding whether or not to grant the credit applied for. You further warrant that at the time of application You
authorized Us, Our employees and agents to investigate and verify any information provided to Us by You. You agree and understand that You are
contractually liable according to the applicable terms of this Agreement and You promise to pay all amounts charged to Your Account according to its terms.
You authorize Us to accept Your facsimile signatures on this Agreement and agree that Your facsimile signature will have the same legal force and effect as
Your original signature. You assume any risk that may be associated with permitting Us to accept Your facsimile signature.

By signing below, You acknowledge that You have read the entire Agreement, that You understand it, and that You have received a copy of it.

You acknowledge Your intent to apply for joint credit ____________________________________________________

                                                                                Applicant’s Initials

Co-Applicant’s Initials

X
Signature of Borrower

Date

X
Signature of Borrower

Date

Copyright Oak Tree Business Systems, Inc., 2008-2011. All Rights Reserved.

Page 5 of 5

OTBS 016 RMAR (9/11)

RIVERMARK COMMUNITY CREDIT UNION 
VISA CREDIT CARD PRICING ADDENDUM 

i. 

ANNUAL PERCENTAGE RATES for Purchases, Cash Advances, and Balance Transfers:  

a.  PLATINUM REWARDS VISA   

b.  PLATINUM VISA 

c.  SHARE SECURED VISA 

7.90% - 17.90% 

6.90% - 17.90% 

10.90% 

ii. 

iii. 

iv. 

v. 

vi. 

vii. 

Fees for issuance or availability:  

NONE 

Fixed finance charge/minimum interest charge:  

NONE 

Transaction charge:  

NONE 

Grace period: You will have at least 25 days to repay your balance for purchases before a finance 
charge will be imposed; You will have no grace period for balance transfers, cash advances or 
convenience checks. 

Balance computation method: Average daily balance including new purchases 

Cash advance fee:  

NONE 

viii.  Late payment fee:  

ix. 

x. 

xi. 

Over the credit limit fee:  

Balance transfer fee:    

Returned payment fee:  

Up To $25.00 after 7 days  

NONE 

NONE 

Up To $25.00 

xii. 

Required insurance, debt cancellation or debt suspension coverage: NONE 

xiii.  Daily Periodic Rates for Purchases, Cash Advances, and Balance Transfers:  

a.  PLATINUM REWARDS VISA   
b.  PLATINUM VISA 

0.021644% - 0.049041%  

0.018904% - 0.049041% 

c.  SHARE SECURED PLATINUM VISA   

0.029863%