CopyrightOakTreeBusinessSystems,Inc.,2008-2012.AllRightsReserved.Page1of4OTBS016CCRMAR(3/12)CREDITCARDACCOUNTAGREEMENTANDFEDERALTRUTH-IN-LENDINGDISCLOSURESTATEMENTSTHISISYOURCREDITCARDACCOUNTAGREEMENTANDITINCLUDESNECESSARYFEDERALTRUTH-IN-LENDINGDISCLOSURESTATEMENTS,PLATINUMREWARDSVISA,SHARESECUREDVISAANDPLATINUMVISAAGREEMENTS,ANDANYSPECIALINSTRUCTIONSREGARDINGTHEUSEOFYOURPLATINUMREWARDSVISA,SHARESECUREDVISAANDPLATINUMVISACREDITCARDS,AND/ORANYOTHERACCOUNTACCESSDEVICE.PLEASEBECERTAINTOREADTHISAGREEMENTCAREFULLYANDNOTIFYUSATONCEIFANYPARTSAREUNCLEAR.InterestRateandInterestChargesAnnualPercentageRate(APR)ForPurchasesPlatinumRewardsVISA:_________%PlatinumVISA:_________%ShareSecuredVISA:_________%APRforBalanceTransfersPlatinumRewardsVISA:_________%PlatinumVISA:_________%ShareSecuredVISA:_________%APRforCashAdvancesPlatinumRewardsVISA:_________%PlatinumVISA:_________%ShareSecuredVISA:_________%PayingInterestYourduedateisatleast25daysafterthecloseofeachbillingcycle.WewillnotchargeYouinterestonpurchasesifYoupayYourentirebalancebytheduedateeachmonth.Wewillbegincharginginterestoncashadvancesandbalancetransfersonthetransactiondate.ForCreditCardTipsfromtheConsumerFinancialProtectionBureauTolearnmoreaboutfactorstoconsiderwhenapplyingfororusingaCreditCard,visitthewebsiteoftheConsumerFinancialProtectionBureauathttp://www.consumerfinance.gov/learnmore.FeesTransactionFeesForeignTransactionFee1.00%ofeachtransactioninU.S.dollars.PenaltyFeesReturnedPaymentLatePaymentUpto$25.00Upto$25.00after7days;HowWeWillCalculateYourBalance:We use a method called "average daily balance (including new purchases).” See Your Agreementfordetails.BillingRights:InformationonyourrightstodisputetransactionsandhowtoexercisethoserightsisprovidedinYourAgreement.DEFINITIONS.InthisAgreement,thereferenceto"We","Us","Our"and"CreditUnion"meanRIVERMARKCOMMUNITYCREDITUNION.Thewords"You"and"Your"meaneachpersonacceptingthisAgreement.IfthisisajointAccount,readsingularpronounsintheplural.Thewords"Card"and"CreditCard"meananyPlatinumRewardsVISA,ShareSecuredVISAandPlatinumVISACreditCardissuedtoYoubyUsandanyduplicatesorrenewals.Theword"Account"meansthePlatinumRewardsVISA,ShareSecuredVISAandPlatinumVISACreditCardAccountestablishedforYouunderthisAgreement.“Convenience Checks” mean the special Account access devices that We may provide for Your use from time to time.PROMISETOPAY.YouunderstandthatthefollowingtermsandconditionsfoundhereinconstituteOurAgreementwithYou.YoumayrequestadvancesonYourAccountthroughavarietyofmeanswhichcouldinclude(butmaynotbelimitedto)telephonicrequests,ConvenienceChecks,CreditCardsandthelike.Regardlessofthemeansbywhichanyadvanceismade,YoupromisetopayUsallamountschargedtoYourAccountbyYouorbyanyuserwhohasaccesstoYourAccount,withactual,apparentorimpliedauthorityforuseofYourAccount,includingFinanceChargesandotherfeesorchargesdescribedherein.USEOFYOURCARD.YoumayuseYourCardtobuygoodsandservicesinanyplacethatitishonoredandtogetcashadvancesatparticipatingfinancialinstitutions.YouagreenottouseYourCardforillegaltransactionsincluding,butnotlimitedto,advancesmadeforthepurposeofgamblingand/orwageringwheresuchpracticesareinviolationofapplicablestateand/orfederallaw.CROSS-COLLATERALASSECURITY.Collateral(otherthanhouseholdgoodsoranydwellingusedasYourprincipalresidence)givenassecurityunderthisAgreementorforanyotherloanYoumayhavewithUswillsecureallamountsYouoweUsnowandinthefutureifthatstatusisreflectedinthe"Truth-in-LendingDisclosure"inanyparticularagreementevidencingsuchdebt.LIENONFUNDSDEPOSITEDASSECURITY.YouacknowledgethatYouownanycertificatesand/orsharespledgedassecurityandthattherearenootherliensagainstthemotherthanOurs.YouagreetoperformallactswhicharenecessarytomakeOursecurityinterestinthecertificatesand/orsharesbeingpledgedenforceable.VISAPURCHASEMONEYSECURITY.ForallpurchasemoneytransactionsmadewithYourCard,totheextentpermittedbylaw,YougrantUsasecurityinterestinallsuchpersonalpropertypurchasedwithsuchCard.POBox4044Beaverton,OR97076-4044(503)626-6600Fax:(503)350-0126CopyrightOakTreeBusinessSystems,Inc.,2008-2012.AllRightsReserved.Page2of4OTBS016CCRMAR(3/12)CONSENSUALLIENONFUNDSDEPOSITEDASSECURITY.YougrantandconsenttoalienonYourfundsondepositwithUs(exceptforIRAandKeoghaccounts)andanydividendsdueortobecomeduetoYoufromUstotheextentYouoweonanyunpaidCreditCard.Ifsuchfundsondepositordividendsdueareownedjointly,Ourrightofset-offandOurconsensuallienextendstoanyamountowedtoUsbyanyofthejointowners.ACCOUNTRESTRICTIONS.InordertoreceiveandmaintainaShareSecuredVISACreditCard,YouagreetogiveUsaspecificpledgeofshareswhichwillequalYourcreditlimit.IntheeventthatYoudefaultonYourShareSecuredVISACreditCard,WemayapplythesesharestowardtherepaymentofanyamountowedonsuchCreditCard.YoumaycancelYourShareSecuredVISACreditCardatanytimebypayinganyamountsowedonthatCreditCard.TobecertainthatYourentirebalanceandalladvancesarepaid,anysharespledgedmaynotbeavailabletoYoufor30daysafterYouhavecancelledandanyoutstandingbalanceispaidinfull.LINEOFCREDITLIMITS.YouwillbenotifiedofeachspecificCreditLimitforwhichYouareapproved.UnlessYouareindefault,theCreditLimitsestablishedforYouwillgenerallybeself-replenishingasYoumakepayments.YouwillkeepYourunpaidbalancewithinYourCreditLimitsetbyUs,andYouwillpayanyamountoverYourCreditLimitonOurdemandwhetherornotWeauthorizetheadvanceswhichcausedYoutoexceedYourCreditLimit.EvenifYourunpaidbalanceislessthanYourCreditLimit,YouwillhavenocreditavailableduringanytimethatanyaspectofYourAccountisindefault.JOINTACCOUNTS.EachBorrowerwillberesponsible,individuallyandtogether,fortherepaymentofanyamountsowed.IfanyAccountaccessdevice,suchasaPersonalIdentificationNumber(PIN)isrequestedandapproved,YouunderstandthatanysuchAccountaccessdevice(s)willonlybeprovidedtotheprimaryBorrowerattheaddressthatWehaveonfileforYou.Wemayrefusetofollowanyinstructionswhichruncountertothisprovision.MINIMUMMONTHLYPAYMENTS(PAYMENTSCHEDULE).ThoughYouneedonlypaytheMinimumMonthlyPayments,YouunderstandthatYouhavetherighttorepayatanytimewithoutpenalty.YoualsounderstandthatYouwillonlybechargedperiodicFinanceChargestothedateYourepayYourentirebalance.Youmaymakelargerpaymentswithoutpenalty.AnypartialpaymentorprepaymentwillnotdelayYournextscheduledpayment.AllpaymentstoUsmustbeinlawfulmoneyoftheUnitedStates.Exceptasrequiredbylaw,WemayapplypaymentsinanorderofOurchoosing.AnyunpaidportionoftheFinanceChargewillbepaidbysubsequentpaymentsandwillnotbeaddedtoYourprincipalbalance.YouunderstandthatanydelayintherepaymentofYourunpaidbalancewillincreaseYourperiodicFinanceChargesandanyaccelerationintherepaymentofYourunpaidbalancewilldecreaseYourperiodicFinanceCharges.MinimumMonthlyPaymentswillbeestablishedatthecloseofeachbillingcycleatanamountequalto3.00%ofYourthenoutstandingbalance,subjecttothelesserof$20.00orYourbalance,plusanyportionoftheMinimumPaymentsshownonpriorstatement(s)whichremainsunpaid,plusanyamountthatexceedsYourapprovedCreditLimit.Youmay,byseparateagreement,authorizeUstochargeYourpaymentdirectlytoYourshareorsharedraftaccount.FortheapplicableDailyPeriodicRateandcorrespondingannualpercentageraterefer to the separate page titled “Credit Line Account Advance Request and Security Agreement” which We have included with andmadeapartofthisAgreement.FINANCECHARGES.Inthecaseofanytransactions,thebalancessubjecttotheperiodicFinanceChargearetheseparateaveragedailytransactionsbalancesoutstandingduringthemonth(includingnewtransactions)forpurchases,cashadvancesandbalancetransfers.Togeteachaveragedailybalance,Wetakethebeginningbalanceforpurchases,cashadvancesandbalancetransferseachday,addanynewtransactionsforpurchases,cashadvancesandbalancetransfers(costsfordebtcancellationcoverage,debitadjustmentsorothercharges,suchascollectionexpenses,asapplicable)andsubtractanypayments,creditsandunpaidFinanceCharges.ThisgivesUsthedailybalance(s)forpurchases,cashadvancesandbalancetransfers.Then,Weadduptheseparatedailybalancesforpurchases,cashadvancesandbalancetransfersforthebillingcycleanddividethembythenumberofdaysinthebillingcycletoarriveattheseparateaveragedailytransactionsbalancesforpurchases,cashadvancesandbalancetransfers.TheFinanceChargeforabillingcycleiscomputedbymultiplyingeachaveragedailybalancesubjecttoaFinanceChargebytheapplicableDailyPeriodicRatetimesthenumberofdaysinthebillingcycle,andthesumistheamountoftheFinanceChargeowedforthebillingcyclebeingaccountedfor.Yourduedateisatleast25daysafterthecloseofeachbillingcycle.YoucanavoidFinanceChargesonpurchasesbypayingthefullamountoftheentirebalanceowedeachmonthbythepaymentduedate.Otherwise,thenewbalanceofpurchases,andsubsequentpurchasesfromthedatetheyarepostedtoYourAccount,willbesubjecttoaFinanceCharge.CashadvancesandbalancetransfersarealwayssubjecttoaFinanceChargefromthelaterofthedatetheyarepostedtoYourAccountorfromthefirstdayofthebillingcycleinwhichthetransactionispostedtoYourAccount.OVERDRAFTPROTECTION.Wemaytransferfundsintheamountnecessary(orinsuchincrementsasWemayfromtimetotimedetermine)toYoursharedraftaccountbyanadvanceonYourAccount,subjecttothisprovisionandanypreferenceYouhaveindicatedtoUsforclearinganyoverdraftonYoursharedraftaccount.WhetherornotsuchtransfersoccurwillbecontrolledbythisAgreement.Inanyevent,YouholdUsharmlessforanyandallliabilitywhichmightotherwiseariseifthetransferdoesnotoccur.OverdraftprotectionautomaticallyceasesifthisAgreementisevercancelledorterminatedorYourAccountisindefault.AsdisclosedtoYoupreviously,allownersofaccountsownedjointlyareliableforanyoverdraftsthatmayoccuronthoseaccounts,regardlessofwhetherornotabenefitoccurredandcheckscashedagainstanysuchaccountaresubjecttocollectibilityfromthataccountifreturnedunpaid.Allofwhichmeansthatifthisoverdraftprotectionfunctionisattachedtoanaccountownedjointly,thenoverdrafttransferswillbemadeevenifYouarenotthepartythatcausedtheoverdrafttooccurinthefirstplace.PERIODICSTATEMENTS.Onaregularbasis,YouwillreceiveastatementshowingalltransactionsonYourAccountincludingamountspaidandborrowedsinceYourlaststatement.WewillmailYouastatementeachmonthinwhichthereisadebitorcreditbalanceorwhenaFinanceChargeisimposed.WeneednotsendYouastatementifWefeelYourAccountisuncollectibleorifWehavestartedcollectionproceedingsagainstYoubecauseYoudefaulted.EACHSTATEMENTISDEEMEDTOBEACORRECTSTATEMENTOFACCOUNTUNLESSYOUESTABLISHABILLINGERRORPURSUANTTOTHEFEDERALTRUTH-IN-LENDINGACT.OURRESPONSIBILITIESTOHONORCONVENIENCECHECKS.WeareundernoobligationtohonorYourConvenienceChecksif:(1)bypayingaConvenienceCheckYouwouldexceedYourCreditLimit;(2)YourConvenienceCheckispost-dated.Wearenotresponsible,however,ifanysuchConvenienceCheckishonoredand,asaresult,anyotherConvenienceCheckisreturnedunpaid;(3)YourConvenienceCheckshavebeenreportedlostorstolen;(4)YourConvenienceCheckisnotsignedbyaBorrowerunderthisAgreement;(5)YourAccounthasbeencancelledorterminatedasprovidedforinthisAgreement;(6)YourConvenienceCheckiswrittenforanamountlessthantheminimumrequiredamount;and/or(7)YourConvenienceCheckispayabletotheCreditUnionandrepresentspaymentontheAccountthatitisdrawnon.YoumaybeabletostoppaymentofaConvenienceCheckbycontactingaCreditUnionrepresentativeandfollowingthedirectionsthatareprovided.DEFAULT.Youwillbeindefaultif:(a)YoudonotmakeanypaymentorperformanyobligationunderthisAgreement,oranyotheragreementthatYoumayhavewithUs;or(b)Youshoulddie,becomeinvolvedinanybankruptcy,receivershiporcustodialproceedingfiledbyoragainstYou;or(c)YouhavemadeafalseormisleadingstatementinYourcreditapplicationand/orinYourrepresentationstoUswhileYouowemoneyonYourAccount;or(d)AjudgmentortaxlienshouldbefiledagainstYouoranyattachmentorgarnishmentshouldbeissuedagainstanyofYourpropertyorrights,specificallyincludinganyonestartinganactionorproceedingtoseizeanyofYourfundsondepositwithUs;and/or(e)Weshould,ingoodfaith,believeYourabilitytorepayYourindebtednesshereunderisorsoonwillbeimpaired,timebeingoftheveryessence.Uponanyoccurrenceofdefault,Wemay,totheextentpermittedbylaw,cancelYourrightsunderthisAgreement,requirethereturnofallaccessdevicesanddeclaretheentirebalanceofYourAccountimmediatelydueandpayable,withoutpriornoticeordemand.COLLECTIONCOSTS.IntheeventcollectioneffortsarerequiredtoobtainpaymentonthisAccount,totheextentpermittedbylaw,Youagreetopayallcourtcosts,privateprocessserverfees,investigationfeesorothercostsincurredincollectionandreasonable attorneys’ fees incurred in the course ofcollectinganyamountsowedunderthisAgreementorintherecoveryofanyCollateral.ENFORCEMENT.WedonotloseOurrightsunderthisoranyrelatedagreementifWedelayenforcingthem.Wecanacceptlatepayments,partialpaymentsoranyotherpayments,eveniftheyaremarked"paidinfull"withoutCopyrightOakTreeBusinessSystems,Inc.,2008-2012.AllRightsReserved.Page3of4OTBS016CCRMAR(3/12)losinganyofOurrightsunderthisAgreement.Ifanyprovisionofthisoranyrelatedagreementisdeterminedtobeunenforceableorinvalid,allotherprovisionsremaininfullforceandeffect.NOTIFICATIONOFADDRESSCHANGE.YouwillnotifyUspromptlyifYoumoveorotherwisehaveachangeofaddress.CHANGEINTERMS.WemaychangethetermsofthisAgreementbymailingordeliveringtoYouwrittennoticeofthechangesasprescribedbytheFederalTruth-In-LendingAct.Totheextentpermittedbylaw,therighttochangethetermsofthisAgreementincludes,butisnotlimitedto,therighttochangetheperiodicrateapplicabletoYourunpaidbalanceand/orfutureadvances.CREDITINSURANCE.CreditinsuranceisnotrequiredforanyextensionofcreditunderthisAgreement.However,YoumaypurchaseanycreditinsuranceavailablethroughUsandhavethepremiumsaddedtoYouroutstandingbalance.IfYouelecttodoso,Youwillbegiventhenecessarydisclosuresanddocumentsseparately.INTEGRATEDDOCUMENTS.Anyseparatesheetofpaperlabeled"AdditionalDisclosure-FederalTruth-In-LendingAct",and/or"CreditLineAccountAdvanceRequestandSecurityAgreement"whichisdeliveredtogetherwiththisAgreementoratalaterdatebecomesanintegratedpartofthisAgreementandDisclosure.CONSENTTOAGREEMENT.YouacknowledgereceiptofacopyofthisAgreement.Bysigningtheapplication;orbyusingYourAccountoranyAccountaccessdevice;orbyauthorizinganothertouseYourAccount,Youagreetoandacceptitsterms.UPDATINGANDDISCLOSINGFINANCIALINFORMATION.YouwillprovidefactstoupdateinformationcontainedinYouroriginalAccountapplicationorotherfinancialinformationrelatedtoYou,atOurrequest.YoualsoagreethatWemay,fromtimetotime,asWedeemnecessary,makeinquiriespertainingtoYouremployment,creditstandingandfinancialresponsibilityinaccordancewithapplicablelawsandregulations.YoufurtheragreethatWemaygiveinformationaboutthestatusandpaymenthistoryofYourAccounttoconsumercreditreportingagencies,aprospectiveemployerorinsurer,orastateorfederallicensingagencyhavinganyapparentlegitimatebusinessneedforsuchinformation.TERMINATION.EitherYouorWemaycancelYourAccountatanytime,whetherornotYouareindefault.Youwill,inanycase,remainliabletopayanyunpaidbalancesaccordingtothetermsofYourAccount.OWNERSHIP.YourCardremainsOurpropertyandmaybecancelledbyUsatanytimewithoutnotice.YouagreetosurrenderYourCardandtodiscontinueitsuseimmediatelyuponOurrequest.ISSUANCEOFAPERSONALIDENTIFICATIONNUMBER.Wewillissue,uponYourrequest,aPersonalIdentificationNumber(PIN)forusewithparticipatingAutomatedTellerMachines(ATMs).ThisPINisconfidentialandshouldnotbedisclosedtoanyone.YoumayuseYourPINtoaccessYourAccountandallsumsadvancedwillbeaddedtoYourAccountbalance.IntheeventauseofYourPINconstitutesanElectronicFundTransfer,thetermsandconditionsofYourElectronicFundTransferAgreementmayalsoaffectYourrights.EFFECTOFAGREEMENT.Eventhoughthesales,cashadvance,creditorotherslipsYoumaysignorreceivewhenusingYourCardcontainterms,thisAgreementisthecontractwhichsolelyappliestoalltransactionsinvolvingtheCard.UNAUTHORIZEDUSE.YoumaybeliablefortheunauthorizeduseofYourCard.YouwillnotbeliablefortheunauthorizedusethatoccursafterYounotifyUsoftheloss,theft,orpossibleunauthorizedusebycallingUsat(800)452-8502or(503)626-6600,orbywritingtoUsatP.O.Box4044,Beaverton,OR97076-4044.Inanycase,Yourliabilitywillnotexceed$50.00.REFUSALTOHONORCARDSORCONVENIENCECHECKS.Wearenotliablefortherefusalorinabilityofmerchants,financialinstitutionsandotherstoaccepttheCardsorConvenienceChecks,orelectronicterminalstohonortheCardsorcompleteaCardwithdrawal,orfortheirretentionoftheCardsorConvenienceChecks.FOREIGNTRANSACTIONS.Fortransactionsinitiatedinforeigncountriesandforeigncurrencies,theexchangeratebetweenthetransactioncurrencyandthebillingcurrency(U.S.dollars)willbe:(a)arateselectedbyVISAfromtherangeofratesavailableinwholesalecurrencymarketsfortheapplicablecentralprocessingdate,whichratemayvaryfromtherateVISAitselfreceives;or(b)thegovernment-mandatedrateineffectfortheapplicablecentralprocessingdate.Fortransactionsthatareinitiatedinaforeigncurrency,Youwillbecharged1.00%ofthefinalsettlementamount.FortransactionsoccurringinforeigncountriesandinitiatedinU.S.Dollars,Youwillbecharged1.00%ofthefinalsettlementamount.TRANSACTIONSLIPS.Yourmonthlystatementwillidentifythatmerchant,electronicterminalorfinancialinstitutionatwhichtransactionsweremade,butsales,cashadvances,creditorotherslipscannotbereturnedwiththestatement.LATECHARGE.IfYourpaymentismorethansevendayslate,Youwillbechargedthelesserof:(a)theamountoftheminimumpaymentdue;or(b)$25.00.OTHERFEESANDCHARGES.YouwillbechargedthefollowingfeesassociatedwiththeuseofYourCard:(a)thelesserof$25.00foranycheck(orothernegotiableinstrumentusedforpayment)whichisreturnedunpaid,ortherequiredminimumpaymentamountforthereturnedpayment;(b)$5.00foreachreplacementCardYourequest;(c)$10.00foreachstatementorsalesdraftcopythatYourequest;(d)$25.00eachtimeYourequestthatWedeliveranitemonanexpeditedbasis;and(e)$65.00eachtimeYoufailtoreturntoUsanyCardsthatareinYourpossessionafterreportingalostorstolenCard,orintheeventWeterminateYourcreditprivileges.LOSTCARDSORCONVENIENCECHECKS.ToreportlostorstolenCreditCardsorConvenienceChecks,YouwillimmediatelycallUsat(800)452-8502or(503)626-6600,orwritetoUsatP.O.Box4044,Beaverton,OR97076-4044.CREDITS.IfamerchantwhohonorsYourCardgivesYoucreditforreturnsoradjustments,theywilldosobysendingUsaslipwhichwillbepostedtoYourAccount.IfYourcreditsandpaymentsexceedwhatYouoweUs,Wewillholdandapplythiscreditagainstfuturepurchasesandcashadvances,orifitis$1.00ormorerefunditonYourwrittenrequestorautomaticallydepositittoYourshareaccountaftersixmonths.GOVERNINGLAW.ThisAgreementiscontrolledandgovernedbythelawsoftheStateofOregonexcepttotheextentthatsuchlawsareinconsistentwithcontrollingfederallaw.YourBillingRights:KeepthisDocumentforFutureUseThisnoticetellsYouaboutYourrightsandOurresponsibilitiesundertheFairCreditBillingAct.WhatToDoIfYouFindAMistakeOnYourStatementIfYouthinkthereisanerroronYourstatement,writetoUsatOuraddressshowninthisAgreement.InYourletter,giveusthefollowinginformation:Accountinformation:YournameandAccountnumber.Dollaramount:Thedollaramountofthesuspectederror.Descriptionofproblem:IfYouthinkthereisanerroronYourbill,describewhatYoubelieveiswrongandwhyYoubelieveitisamistake.YoumustcontactUs:Within60daysaftertheerrorappearedonYourstatement.Atleast3businessdaysbeforeanautomatedpaymentisscheduled,ifYouwanttostoppaymentontheamountYouthinkiswrong.YoumustnotifyUsofanypotentialerrorsinwriting.YoumaycallUs,butifYoudoWearenotrequiredtoinvestigateanypotentialerrorsandYoumayhavetopaytheamountinquestion.WhatWillHappenAfterWeReceiveYourLetterWhenWereceiveYourletter,Wemustdotwothings:1)Within30daysofreceivingYourletter,WemusttellYouthatWereceivedYourletter.WewillalsotellYouifWehavealreadycorrectedtheerror.2)Within90daysofreceivingYourletter,WemusteithercorrecttheerrororexplaintoYouwhyWebelievethebilliscorrect.WhileWeinvestigatewhetherornottherehasbeenanerror:Wecannottrytocollecttheamountinquestion,orreportYouasdelinquentonthatamount.ThechargeinquestionmayremainonYourstatement,andWemaycontinuetochargeYouinterestonthatamount.WhileYoudonothavetopaytheamountinquestion,YouareresponsiblefortheremainderofYourbalance.WecanapplyanyunpaidamountagainstYourCreditLimit.CopyrightOakTreeBusinessSystems,Inc.,2008-2012.AllRightsReserved.Page4of4OTBS016CCRMAR(3/12)AfterWefinishOurinvestigation,oneoftwothingswillhappen:IfWemadeamistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedtothatamount.IfWedonotbelievetherewasamistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestandfees.WewillsendYouastatementoftheamountYouoweandthedatepaymentisdue.WemaythenreportYouasdelinquentifYoudonotpaytheamountWethinkYouowe.IfYoureceiveOurexplanationbutstillbelieveYourbilliswrong,YoumustwritetoUswithin10daystellingUsthatYoustillrefusetopay.IfYoudoso,WecannotreportYouasdelinquentwithoutalsoreportingthatYouarequestioningYourbill.WemusttellYouthenameofanyonetowhomwereportedYouasdelinquent,andWemustletthoseorganizationsknowwhenthematterhasbeensettledbetweenUs.IfWedonotfollowalloftherulesabove,Youdonothavetopaythefirst$50oftheamountYouquestionevenifYourbilliscorrect.YourRightsIfYouAreDissatisfiedWithYourCreditCardPurchasesIfYouaredissatisfiedwiththegoodsorservicesthatYouhavepurchasedwithYourCreditCard,andYouhavetriedingoodfaithtocorrecttheproblemwiththemerchant,Youmayhavetherightnottopaytheremainingamountdueonthepurchase.Tousethisright,allofthefollowingmustbetrue:1)ThepurchasemusthavebeenmadeinYourhomestateorwithin100milesofYourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan$50.(Note:NeitherofthesearenecessaryifYourpurchasewasbasedonanadvertisementWemailedtoYou,orifWeownthecompanythatsoldYouthegoodsorservices.)2)YoumusthaveusedYourCreditCardforthepurchase.PurchasesmadewithcashadvancesfromanATMorwithacheckthataccessesYourCreditCardaccountdonotqualify.3)Youmustnotyethavefullypaidforthepurchase.IfallofthecriteriaabovearemetandYouarestilldissatisfiedwiththepurchase,contactUsinwritingatOuraddressshowninthisAgreement.WhileWeinvestigate,thesamerulesapplytothedisputedamountasdiscussedabove.AfterWefinishOurinvestigation,WewilltellYouOurdecision.Atthatpoint,ifWethinkYouoweanamountandYoudonotpay,WemayreportYouasdelinquent.SIGNATURESYouwarrantthetruthoftheinformationcontainedinYourapplication,acompletedcopyofwhichYouacknowledgereceivingforYourrecords,andYourealizethatitwasrelieduponbyUsindecidingwhetherornottograntthecreditappliedfor.YoufurtherwarrantthatatthetimeofapplicationYouauthorizedUs,OuremployeesandagentstoinvestigateandverifyanyinformationprovidedtoUsbyYou.YouagreeandunderstandthatYouarecontractuallyliableaccordingtotheapplicabletermsofthisAgreementandYoupromisetopayallamountschargedtoYourAccountaccordingtoitsterms.YouauthorizeUstoacceptYourfacsimilesignaturesonthisAgreementandagreethatYourfacsimilesignaturewillhavethesamelegalforceandeffectasYouroriginalsignature.YouassumeanyriskthatmaybeassociatedwithpermittingUstoacceptYourfacsimilesignature.Bysigningbelow,YouacknowledgethatYouhavereadtheentireAgreement,thatYouunderstandit,andthatYouhavereceivedacopyofit.YouacknowledgeYourintenttoapplyforjointcredit____________________________________________________                                                                                Applicant’s InitialsCo-Applicant’s InitialsXXSignatureofBorrowerDateSignatureofBorrowerDate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 VISA   

0.029863%