P.O. Box 286, Fairborn, Ohio 45324
Local (937) 912-7000 Wats: (800) 762-0047
TDD (937) 912-7001

CREDIT LI NE ACCOUNT AG REEMENT AND DISCLOSURE
T HIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL T RUTH-IN-LENDING
DISCLOSURE ST AT EMENT S, FIRST T IME USER/ST UDENT VISA, VISA PLAT INUM, LOW RAT E VISA, SHARE SECURED VISA,
FIRST T IME USER/ ST UDENT MAST ERCARD, MAST ERCARD PL AT INUM, LOW RAT E MAST ERCARD AND SHARE SECURED
MASTERCARD AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR FIRST TIME
USER/ST UDENT VISA, VISA PL ATINUM, LOW RAT E VISA, SHARE SECURED VISA, FIRST T IME USER/ ST UDENT
MAST ERCARD, MAST ERCARD PL AT INUM, LO W RAT E MAST ERCARD AND SHARE SECURED MAST ERCARD CREDIT
CARDS, AND/O R ANY OT HER ACCO UNT ACCESS DEVICE. PL EASE BE CERT AIN T O READ T HIS AGREEMENT CAREFULLY
AND NOT IFY US AT ONCE IF ANY PART S ARE UNCLEAR. _____________________________________________________

In this Agreement, the reference to "We", "Us", "Our" and "Credit Union" mean WRIGHT-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/Student VISA, VISA Platinum, Low Rate VISA, Share Secured VISA, First Time User/Student MasterCard, MasterCard Platinum, Low Rate MasterCard or Share
Secured MasterCard 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 Signature, ReadyLine (including Overdraft Protection), Stretch Pay Line of Credit, Personal
Property Secured (a label to reference certain Feature Categories secured by personal property described on a separate sheet of paper labeled "Additional Disclosure - Federal
Truth-In-Lending Act" and/or "Credit Line Account Advance Request and Security Agreement"), Share Secured-Standard, Share Certificate Secured, First Time User/Student
VISA, VISA Platinum, Low Rate VISA, Share Secured VISA, First Time User/Student MasterCard, MasterCard Platinum, Low Rate MasterCard and Share Secured MasterCard.

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 all advances are subject to Our prior
approval and, in particular, whether or not any specific secured advance request is
approved may be, in part, determined by how much equity You have or will have in the
shares and/or collateral offered as security.

For advances under Your Stretch Pay 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.

Whether additional security will be required depends on the type of advance You
request. If You request an advance under a Feature Category which describes personal
property, that property, including the proceeds of the sale of such property, must also
be given as collateral. For example, a Feature Category called "New Car Advances"
means the security will be a new car. The fact that we are acquiring a security interest
in certain Property or Shares will be disclosed in the Credit Line Account Advance
Request and Security Agreement form related to any initial secured advance. You will
be provided a copy of that form at the time You receive the initial advance for any
secured Feature Category.
Except for Our security interest, any Collateral pledged as security for Your Account is
owned free and clear
from any liens, adverse claims, security interests or
encumbrances. Without Our express written consent, no other liens, security interests
or encumbrances will be allowed to attach to the Collateral. You agree to inform Us
immediately if the Collateral is to be moved from the address We have on file for You or
such other address at which You have informed the Credit Union the Collateral is now
located. The Collateral will not be sold or otherwise transferred and at all times the
Collateral will be kept in good repair. The Collateral shall not be used for any unlawful
purpose. We shall receive Your full cooperation in obtaining everything that We require
to place and/or maintain Our security interest and/or lien in the Collateral. We may
examine and inspect
taxes or
the Collateral at any time, wherever
assessments on the Collateral shall be paid as they come due; if not paid, We may pay
them and will be entitled to reimbursement or alternatively, charge that amount to Your
Account, under the related Feature Category.
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.

located. All

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-
Standard, Share Certificate Secured, Share Secured VISA or Share Secured
MasterCard 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 Secured-

Standard, Share Secured Certificate, Share Secured VISA or Share Secured
MasterCard Feature Category. You may cancel Your Share Secured-Standard, Share
Certificate Secured, Share Secured VISA or Share Secured MasterCard Account at any
time by paying any amounts owed on Your Share Secured-Standard, Share Certificate
Secured, Share Secured VISA or Share Secured MasterCard 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 Stretch Pay Line of Credit Feature Category, You
agree to give Us a specific pledge of shares at the time of Your initial advance on Your
Stretch Pay 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 Stretch Pay 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.
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 and MasterCard), payments will be applied first to any Late
Charges owing,
then to the outstanding principal
balance. As permitted by law, the order in which We may apply VISA and MasterCard
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
increase Your periodic
that any delay in the repayment of Your unpaid balance will
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.

then to the Finance Charge due,

For Stretch Pay Line of Credit Feature Categories with an approved Credit Limit of
$250.00, Minimum Payments will be an amount equal
to all outstanding principal
together with accrued but unpaid Finance Charges at the end of each billing cycle. For
Stretch Pay Line of Credit Feature Categories with an approved Credit Limit of

Copyright Oak Tree Business Systems, Inc., 2001-2009. All Rights Reserved.

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OTBS 016 WRIT (8/09)

$500.00, Minimum Monthly 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".

12-consecutive-month period. Your Interest Rate will never be greater than the lesser
of 25.00% or the Margin plus 16.00%, nor less than the greater of 5.00% or the
Margin plus 5.00%, and will apply to Your remaining principal balance.

Personal Property Secured, Share Secured-Standard, Share Certificate Secured, and
Signature Minimum Monthly 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 and MasterCard Minimum Payments will be an amount equal to 3.00% of Your
new unpaid balance at the end of each billing cycle, subject to the lesser of $25.00 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 AND MASTERCARD). If Your payment is 30 or
more days late, You will be charged 5.00% of the payment due.

OTHER FEES AND CHARGES (EXCEPT FOR VISA AND MASTERCARD). For all
Feature Categories (except VISA and MasterCard), You will be charged a $75
FINANCE CHARGE each time You request and We agree to lower the periodic rate
and corresponding Annual Percentage Rate applicable to such Feature Category.

READYLINE LATE PAYMENT ANNUAL PERCENTAGE RATE. If Your ReadyLine
Feature Category is ever 30 or more days past due twice in any six-consecutive-
month period, the Daily Periodic Rate applicable to Your entire balance existing at
that time and in the future will
immediately increase to 0.049315% (corresponding
ANNUAL PERCENTAGE RATE 18.00%).

STRETCH PAY LINE OF CREDIT ANNUAL MEMBERSHIP FEE. Stretch Pay Line of
Credit Accountholders with approved Credit Limits of $250.00 will be charged a $35
Annual Membership Fee for continued participation in the Stretch Pay Line of Credit
program. Stretch Pay Line of Credit Accountholders with approved Credit Limits of
$500.00 will be charged a $70 Annual Membership Fee for continued participation in
the Stretch Pay 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 AND MASTERCARD). A Finance Charge
will be assessed on any unpaid principal balance for each Feature Category of Your
Account
for the period such balance is outstanding. Balances change each time
advances are made, payments are made or credits given under any Feature
Category. The Finance Charge begins to accrue on the date of each advance and
there is no grace period.

HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT FOR VISA AND
MASTERCARD). For all Feature Categories (Except for VISA and MasterCard), the
Finance Charge is determined by multiplying Your unpaid balance at the close of
each day in the billing cycle being accounted for by the applicable Daily Periodic
Rate. The unpaid balance is the balance each day after payments, credits, and
unpaid Finance Charges to that balance have been subtracted and any new
advances, insurance premiums or other charges have been added to Your unpaid
balance. These daily Finance Charges are then added together and the sum is the
amount of the Finance Charge owed for the Feature Category being accounted for.
The total Finance Charge You owe on Your Account for each billing cycle is the sum
of all the Finance Charges due for all applicable Feature Categories.
VISA AND MASTERCARD FINANCE CHARGES. In the case of any transactions
under Your VISA or MasterCard Feature Categories, the balances subject to the
periodic Finance Charge are the average daily transactions balances outstanding
during the month (new and previous). To get the average daily balance, 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
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 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.
VARIABLE RATE (EXCEPT SHARE SECURED-STANDARD, LOW RATE VISA AND
LOW RATE MASTERCARD). If Your Feature Category is subject to a Variable Rate,
advances are subject to a Variable Rate which is based on the highest 26-Week
United States Treasury Bill Rate as published in the Money Rates section of The Wall
Street Journal
in effect on the day that any introductory rate period expires, and
subsequently, on the last day of each calendar quarter of each year, rounded to the
nearest
.10% ("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
day that any introductory rate period expires, and subsequently, on the first day of 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
than the
maximum and minimum Interest Rates that can apply at any time, Your Interest Rate
will never increase or decrease by more than 2.00 percentage points on any change
date nor more than 8.00 percentage points during any

regularly scheduled payments. Other

the number of Your

SHARE SECURED STANDARD - VARIABLE RATE. Share Secured Standard advances
are subject to a Variable Rate which is based on the highest Dividend Rate being
paid at the credit union in effect on the the last 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 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. Your Interest Rate will never be greater than
25 .00% nor less than 3.00% and will apply to Your remaining principal balance.

LOW RATE VISA AND LOW RATE MASTERCARD VARIABLE RATE. Low Rate VISA
and Low Rate MasterCard advances are subject to a Variable Rate which is based on
the highest Prime Rate as published in the Money Rates section of The Wall Street
Journal in effect on the last day of 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. Your
Interest Rate will never be greater than the lesser of 25.00%, nor less than the
greater of 5.00% 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.

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 transfers
occur will be controlled by this Agreement. In any event, You hold Us harmless for
the transfer does not occur.
any and all
is ever cancelled or
Overdraft Protection automatically ceases if
terminated or Your Account is in default.

liability which might otherwise arise if

this Agreement

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
immediately due and
entire balance of every Feature Category of Your Account
payable, without prior notice or demand. If Your entire Account balance is not then
paid immediately upon default, and if permitted by law,
the collateral shall be
voluntarily surrendered to the Credit Union at a time and place acceptable to it. If this
is not done, to the extent permitted by law, the Credit Union may enter the premises
where the collateral is located and take possession of it and the Credit Union may
assert the defense of a superior right of possession as the holder of a security
interest to any offense of alleged wrongful taking and conversion. The Credit Union
may sell or dispose of
in any manner permitted by law, and any
resulting deficiency on Your Account shall be immediately paid to the Credit Union.
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.

the 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

Copyright Oak Tree Business Systems, Inc., 2001-2009. All Rights Reserved.

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OTBS 016 WRIT (8/09)

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.

theft, or possible unauthorized use by calling Us at

loss,
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.

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
to change the periodic rate
applicable to Your unpaid balance and/or future advances.

includes, but

limited to,

the right

is not

PROPERTY INSURANCE. You agree to insure the collateral described in any Credit
fire and other
Line Account Advance Request and Security Agreement against
hazards, with a policy as specified by Us, in the amount and for the period required by
Us, with Us named as loss payee for Our protection. You may purchase the insurance
from any insurer You want, but We have the right not
the insurer for
reasonable cause. You agree to deliver satisfactory evidence of the insurance policy to
Us within any time period specified in any notice from Us or on Our behalf.

to accept

Unless You provide evidence of the insurance coverage required by Your Agreement
with Us, We may purchase insurance at Your expense to protect Our interests in the
collateral. If We do purchase insurance, You understand that We may obtain 100%
coverage with no deductible. This insurance may, but need not, protect Your interests.
The coverage that We purchase may not pay any claim that You make or any claim
that is made against You in connection with the collateral. You may later cancel any
insurance purchased by Us, but only after providing evidence that You have obtained
insurance as required by this Agreement. If We purchase insurance for the collateral,
You will be responsible for the costs of
including the insurance
premiums,
interest and other charges We may impose in connection with the
placement of the insurance, until the effective date of the cancellation or expiration of
the insurance. The costs of the insurance may be added to Your total outstanding
the insurance may be more than the cost of
balance or obligation. The costs of
insurance You may be able to obtain on Your own. In any case, We have the authority
to obtain, adjust, settle or cancel insurance and may endorse any party's name on any
draft.
If we obtain any necessary insurance, Your payment may be increased and/or We may
demand that You pay the cost in a single lump sum.

insurance,

that

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", "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.

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

TERMINATION. Either You or We may cancel Your Account or any particular Feature
Category of Your Account, at any time, whether or not You are in default. You will, in
any case, remain liable to pay any unpaid balances according to the terms of Your
Account.

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

SPECIFIC TERMS APPLICABLE TO YOUR FIRST TIME
USER/STUDENT VISA, VISA PLATINUM, LOW RATE VISA,
SHARE SECURED VISA, FIRST TIME USER/STUDENT MASTERCARD,
MASTERCARD PLATINUM, LOW RATE MASTERCARD AND
SHARE SECURED MASTERCARD 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 the 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

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 currencies,
the
exchange rate between the transaction currency and the billing currency (U.S.
dollars) will be: (a) a rate selected by VISA and/or MasterCard, as is applicable, from
the range of rates available in wholesale currency markets for the applicable central
processing date, which rate may vary from the rate VISA or MasterCard itself
receives; or (b) the government-mandated rate in effect for the applicable central
processing date.

For transactions involving Your VISA Card, You will be charged 1 .00% calculated on
the final settlement amount. For transactions involving Your MasterCard Card, You
will be charged 8/1 0ths of 1.00% calculated on the final settlement amount
for
transactions that are initiated in foreign countries, and if Your transaction is also
initiated in a foreign currency You will be charged an additional 2/1 0ths of 1.00%
calculated on the final converted 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 $20.

OTHER FEES AND CHARGES. You will be charged the following fees associated
with the use of Your Card: (a) $25 for any check (or other negotiable instrument used
for payment) which is returned unpaid; and (b) $20 for each billing cycle during which
You exceed Your Credit Limit.

LATE PAYMENT ANNUAL PERCENTAGE RATE (EXCEPT LOW RATE VISA AND
LOW RATE MASTERCARD). If Your VISA or MasterCard Feature Category is ever
30 or more days past due twice in any six-consecutive month-period, the Monthly
Periodic Rate applicable to Your entire balance existing at that time and in the future will
increase to 1.50% (corresponding ANNUAL PERCENTAGE RATE 18.00%).

LATE PAYMENT ANNUAL PERCENTAGE RATE. If Your Low Rate VISA or Low Rate
MasterCard Feature Category is ever 30 or more days past due twice in any six-
the Monthly Periodic Rate applicable to Your entire
consecutive month-period,
balance existing at
increase to 2.0833%
time and in the future will
that
(corresponding ANNUAL PERCENTAGE RATE 25.00%).

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.

If a merchant who honors Your Card gives You credit

for returns or
CREDITS.
adjustments,
they will do so by sending Us a slip which will be posted to Your
Account. If Your credits and payments exceed what You owe Us, We will hold and
apply this credit against future purchases and cash advances, or if it is $1.00 or more
refund it on Your written request or automatically deposit it to Your Share Account
after six months.

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This notice contains important information about Your rights and Our responsibilities
under the Fair Credit Billing Act.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE

If You think Your statement
is wrong, or if You need more information about a
transaction on Your statement, write Us on a separate sheet, at Our address shown
in this Agreement. Write to Us as soon as possible. We must hear from You no later
than 60 days after We sent You the first statement on which the error or problem
appeared. You can telephone Us, but doing so will not preserve Your rights.

In Your letter, give Us the following information:
-Your Name and Account number.
-Dollar amount of the suspected error.
-Describe the error and explain, if You can, why You believe there is an error. If You
need more information, describe the item You are not sure about.

If You have authorized Us to pay Your bill automatically from Your Share or Share
Draft Account, You can stop the payment on any amount You think is wrong. To stop
the payment, Your letter must reach Us three business days before the automatic
payment is scheduled to occur.

NOTIFY US IN CASE OF ERRORS
OR QUESTIONS ABOUT YOUR STATEMENT

We must acknowledge Your letter within 30 days, unless We have corrected the error
by then. Within 90 days, We must either correct the error or explain why We believe
the statement is correct.

After We receive Your letter, We cannot try to collect any amount You question, or
report You as delinquent. We can continue to bill You for the amount You question,
including Finance Charges, and We can apply any unpaid amount against Your Credit
Limit. You do not have to pay any questioned amount while We are investigating, but
You are still obligated to pay the parts of Your statement that are not in question.

Copyright Oak Tree Business Systems, Inc., 2001-2009. All Rights Reserved.

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OTBS 016 WRIT (8/09)

If We find that We made a mistake on Your statement, You will not have to pay any
Finance Charges related to any questioned amount. If We didn't make a mistake, You
may have to pay Finance Charges, and You will have to make up any missed
payments on the questioned amount. In either case, We will send You a statement of
the amount You owe and the date that it is due.

to pay the amount

If You fail
that We think You owe, We may report You as
delinquent. However, if Our explanation does not satisfy You and You write to Us
within 10 days telling Us that You still refuse to pay, We must tell anyone We reported
You to that You have a question about Your statement and We must tell You the name
of anyone We reported You to. We must tell anyone We reported You to that the
matter has been settled between Us when it finally is.

If We don't follow these rules, We can't collect the first $50 of the questioned amount,
even if Your statement is correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES

If You have a problem with the quality of property or services that You purchased with
a 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
property or services. There are two limitations on this right:

a.

You must have made the purchase in Your home state, or, if not within our
home state, within 100 miles of Your current mailing address; and

b.

The purchase price must have been more than $50.

These limitations do not apply if We own or operate the merchant, or if We mailed You
the advertisement for the property or services.

Copyright Oak Tree Business Systems, Inc., 2001-2009. All Rights Reserved.

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OTBS 016 W RIT (8/09)