CREDIT CARD ACCOUNT
                                                   AGREEMENT AND DISCLOSURE
                                        THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY
                                        FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, PLATINUM CLASSIC VISA,
          P.O. BOX 9                    PLATINUM SECURE VISA, DIAMOND PREFERRED REWARDS VISA AND SIGNATURE VISA
       JACKSONVILLE, AR 72078           AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR
         (501) 982-1000                 PLATINUM CLASSIC VISA, PLATINUM SECURE VISA, DIAMOND PREFERRED REWARDS
                                        VISA AND SIGNATURE 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 Diamond Preferred Rewards VISA:0.00% Introductory APR for six months
    (APR) For Purchases
                         After that, Your APR will be ________%. This APR will vary with the market based
                         on the Prime Rate.
                       Platinum Classic VISA:0.00% Introductory APR for six months
                         After that, Your APR will be ________%. This APR will vary with the market based
                         on the Prime Rate.
                       Platinum Secure VISA: _______%
                         This APR will vary with the market based on the Prime Rate.
                       Signature VISA:0.00% Introductory APR for six months
                         After that, Your APR will be ________%. This APR will vary with the market based
                         on the Prime Rate.
    APR For Balance    Diamond Preferred Rewards VISA: 0.00% Introductory APR for six months
    Transfers
                         After that, Your APR will be ________%. This APR will vary with the market based on the
                         Prime Rate.
                       Platinum Classic VISA: 0.00% Introductory APR for six months
                         After that, Your APR will be ________%. This APR will vary with the market based on the
                         Prime Rate.
                       Platinum Secure VISA: ________%
                         This APR will vary with the market based on the Prime Rate.
                       Signature VISA: 0.00% Introductory APR for six months
                         After that, Your APR will be ________%. This APR will vary with the market based on the
                         Prime Rate.
    APR For Cash Advances Diamond Preferred Rewards VISA: _________%
                         This APR will vary with the market based on the Prime Rate.
                       Platinum Classic VISA: _________%
                         This APR will vary with the market based on the Prime Rate.
                       Platinum Secure VISA: _________%
                         This APR will vary with the market based on the Prime Rate.
                       Signature VISA: ________%
                         This APR will vary with the market based on the Prime Rate.
    Paying Interest    We will not charge You interest on purchases if You pay Your entire balance owed each month
                       within 25 days of Your statement closing date. We will begin charging interest on cash
                       advances and balance transfers on the transaction date.
    For Credit Card Tips from To learn more about factors to consider when applying for or using a Credit Card, visit
    the Consumer Financial the website of the Consumer Financial Protection Bureau at
    Protection Bureau  http://www.consumerfinance.gov/learnmore.
                 Please refer to TOP OF PAGE 2 for more important information about Your Account
    Copyright Oak Tree Business Systems, Inc., 2007-2015. All Rights Reserved. Page 1 of 4 OTBS 016YCC DC FRB_Web ARKA (12/15)
                                                                             Rev. (12/15)
     Fees
     Transaction Fees
      . Foreign Transaction Except Signature, 1.00% of each transaction in U.S. Dollars.
      . Cash Advance    5.00% of the advance
      . Overdraft Transfer $3.00
     Penalty Fees
      .
       Returned Payment Up to $25.00
      .
       Late Payment     Up to $35.00
    How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." In all
    cases, see Your Account Agreement for details.
    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your
    Account Agreement.
                    Please refer to PAGE 1 for more important information about Your Account
    DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean ARKANSAS FEDERAL 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
    Classic VISA, Platinum Secure VISA, Diamond Preferred Rewards VISA or Signature VISA Credit Card issued to You by Us and any duplicates or renewals. The word
    "Account" means the Platinum Classic VISA, Platinum Secure VISA, Diamond Preferred Rewards VISA or Signature VISA Credit Card Account established for You
    under this Agreement. "Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time.
                                 Variable Rate                       Current Annual Credit Card Type Current Daily
                              Margin     Index        Periodic Rate  Percentage Rate
     Platinum Secure VISA    __________ __________   ____________%    ____________%
     Platinum Classic VISA   __________ __________   ____________%    ____________%
     Diamond Preferred Rewards VISA __________ __________ ____________% ____________%
     Signature VISA          __________ __________   ____________%    ____________%
    PROMISE TO PAY. You, as the Borrower, understand that the following Federal Credit Card at any time by paying any amounts owed on Your Account. To be
    Disclosure Statement and the terms and conditions found herein constitute Our certain that Your entire balance and all advances on Your Account are paid, any
    Agreement with You. You may request advances on Your Account through a shares pledged may not be available to You for 30 days after You have cancelled
    variety of means which could include (but may not be limited to) telephonic and any outstanding balance is paid in full.
    requests, advance request forms, vouchers, checks, charge slips, Convenience
    Checks, Credit Cards and the like. Regardless of the means by which any LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for
    advance is made, You promise to pay Us all amounts charged to Your Account which You are approved. Unless You are in default, any Credit Limits established
    by You or by any user who has access to Your Account, with actual, apparent or for You will generally be self-replenishing as You make payments.
    implied authority for use of Your Account, including Finance Charges and other
    fees or charges described herein.       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
    USE OF YOUR CARD. You may use Your Card to buy goods and services in authorize the advances which caused You to exceed Your Credit Limit. Even if
    any place that it is honored and to get cash advances at participating financial Your unpaid balance is less than Your Credit Limit, You will have no credit
    institutions. You agree not to use Your Card for illegal transactions including, but available during any time that any aspect of Your Account is in default.
    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. 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
    OVERDRAFT PROTECTION. We may transfer funds in the amount necessary, Personal Identification Number (PIN) is requested and approved, You
    rounded up to the next $1.00 (or in such increments as We may from time to time understand that any such Account access device(s) will be mailed only to the
    determine) to Your share draft account by an advance on Your Credit Card, primary Borrower at the address that We have on file for You. We may refuse to
    subject to this provision, to clear any overdraft on Your share draft account. follow any instructions which run counter to this provision.
    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 MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need
    if the transfer does not occur. Overdraft protection automatically ceases if this only pay the Minimum Monthly Payments, You understand that You have the
    Agreement is ever cancelled or terminated or Your Account is in default. 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.
    OTHER SECURITY. Collateral (other than household goods or any dwelling) You may make larger payments without penalty. Any partial payment or
    given as security under this Agreement or for any other loan You may have with prepayment will not delay Your next scheduled payment. All payments to Us
    Us will secure all amounts You owe Us now and in the future if that status is must be in lawful money of the United States. We may apply each payment to
    reflected in the "Truth-in-Lending Disclosure" in any particular Agreement whichever Feature Category We wish.
    evidencing such debt.
                                            Payments will be applied in the following order: (a) any Finance Charges due; (b)
    CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on any other fees and charges owing; (c) any Late Charges owing; and then to (d)
    Your shares with Us (except for IRA and Keogh accounts) and any the balance bearing the lowest rate of interest, and then to each successive
    dividends due or to become due to You from Us to the extent You owe on balance bearing the next lowest rate of interest, until the minimum payment is
    any unpaid Credit Card balance.         depleted. As permitted by law, any amounts paid in excess of the Minimum
                                            Monthly Payment will first be applied to the balance bearing the highest rate of
    ACCOUNT RESTRICTIONS. In order to receive and maintain a Platinum Secure interest, and then to each successive balance bearing the next highest rate of
    VISA Credit Card, You agree to give Us a specific pledge of shares which will interest, until the payment is depleted.
    equal Your credit limit. In the event that You default on Your Platinum Secure
    VISA Credit Card, We may apply these shares toward the repayment of any Any unpaid portion of the Finance Charge will be paid by subsequent payments
    amount owed on Your Account. You may cancel Your Platinum Secure VISA and will not be added to Your principal balance. You understand that any delay
    Copyright Oak Tree Business Systems, Inc., 2007-2015. All Rights Reserved. Page 2 of 4 OTBS 016YCC DC FRB_Web ARKA (12/15)
                                                                             Rev. (12/15)
    in the repayment of Your unpaid balance will increase Your periodic Finance the billing cycle and divide them by the number of days in the billing cycle. This
    Charges and any acceleration in the repayment of Your unpaid balance will gives Us the average daily transactions balances for cash advances (including
    decrease Your periodic Finance Charges. convenience checks) that are not subject to a discounted rate.
    Minimum Payments will be an amount equal to 3.00% of Your new unpaid balance The Finance Charge for a billing cycle is computed by multiplying the average
    at the end of each billing cycle, subject to the lesser of $20.00 or Your balance, daily balance subject to a Finance Charge by the applicable Daily Periodic Rate
    plus any portion of the Minimum Payments shown on prior statement(s) which times the number of days in the billing cycle. You can avoid Finance Charges on
    remains unpaid, plus any amount that exceeds Your approved Credit Limit. 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
    LATE CHARGE. If Your payment is not received by the payment due date, You purchases, and subsequent purchases from the date they are posted to Your
    will be charged the lesser of: (a) $25.00 (this amount will be $35.00 if You have Account, will be subject to a Finance Charge. Cash advances and balance
    incurred a late charge within six months of previously incurring a late charge); or transfers are always subject to a Finance Charge from the later of the date they
    (b) the amount of the required minimum payment. are posted to Your Account or from the first day of the billing cycle in which the
                                            transaction is posted to Your Account.
    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 Except for Platinum Secure VISA, transactions for purchases and balances
    other negotiable instrument used for payment) which is returned unpaid, or the transfers that post to Your Account during the 90-day period immediately
    required minimum payment amount for the returned payment; (b) $3.00 for each following the date You establish Your Account will be subject to an Introductory
    advance necessary to clear an overdraft on Your share draft account; and (c) an Daily Periodic Rate of 0.000000% (corresponding ANNUAL PERCENTAGE
    amount equal to 5.00% of each cash advance. RATE 0.00%). The introductory rate will end six months after the date You
                                            establish Your Account at which time, the Daily Periodic Rate applicable to the
    FINANCE CHARGES. In the case of any transactions under Your Account, the entire balance of transactions for purchases and balance transfers that are
    balances subject to the periodic Finance Charge are the average daily subject to an introductory rate will immediately increase to the then standard
    transactions balances outstanding during the month (including new transactions). variable rate that would have otherwise been in effect had no introductory rate
    Separate average daily balances are calculated for purchases that are subject to been applied previously.
    a discounted rate, purchases that are not subject to a discounted rate, balance
    transfers that are subject to a discounted rate, balance transfers that are not VARIABLE RATE. Following the expiration of any Introductory Rate Period, all
    subject to a discounted rate, cash advances (including convenience checks) that credit advances will be subject to a Variable Rate which is based on the highest
    are subject to a discounted rate, and cash advances (including convenience Prime Rate as published in the Money Rates section of The Wall Street Journal
    checks) that are not subject to a discounted rate. in effect on the day any Introductory Rate Period expires, and subsequently, on
                                            the 25th day of each calendar month of each year ("Index") plus Our Margin. The
    To get the average daily balance for purchases that are subject to a discounted Index plus the Margin equals the Interest Rate. Changes in the Index will cause
    rate, We take the beginning balance for purchases that are subject to a changes in the Interest Rate on the day any Introductory Rate Period expires,
    discounted rate each day, add any new purchases that are subject to a and subsequently, on the first day of the billing cycle in the calendar month
    discounted rate, debit adjustments or other charges and subtract any payments, immediately following any such change in the Index. Increases or decreases in
    credits and unpaid Finance Charges. This gives Us the daily balance for the Interest Rate will cause like increases or decreases in the Finance
    purchases that are subject to a discounted rate. Then, We add up all the daily Charge and will affect the number of Your regularly scheduled payments. Your
    balances for purchases that are subject to a discounted rate during the billing Interest Rate will never be greater than 18.00% and will apply to Your remaining
    cycle and divide them by the number of days in the billing cycle. This gives Us principal balance.
    the average daily transactions balances for purchases that are subject to a
    discounted rate. To get the average daily balance for purchases that are not PERIODIC STATEMENTS. On a regular basis, You will receive a statement
    subject to a discounted rate, We take the beginning balance for purchases that showing all transactions on Your Account including amounts paid and borrowed
    are not subject to a discounted rate each day, add any new purchases that are since Your last statement. We will mail You a statement each month in which
    not subject to a discounted rate, debit adjustments or other charges and subtract there is a debit or credit balance or when a Finance Charge is imposed. We
    any payments, credits and unpaid Finance Charges. This gives Us the daily need not send You a statement if We feel Your Account is uncollectible or if We
    balance for purchases that are not subject to a discounted rate. Then, We add up have started collection proceedings against You because You defaulted. EACH
    all the daily balances for purchases that are not subject to a discounted rate STATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT
    during the billing cycle and divide them by the number of days in the billing cycle. UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL
    This gives Us the average daily transactions balances for purchases that are not TRUTH-IN-LENDING ACT.
    subject to a discounted rate.
                                            OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are
    To get the average daily balance for balance transfers that are subject to a under no obligation to honor Your Convenience Checks if: (1) by paying a
    discounted rate, We take the beginning balance for balance transfers that are Convenience Check, You would exceed Your Credit Limit; (2) Your Cards or
    subject to a discounted rate each day, add any new balance transfers, debit Convenience Checks have been reported lost or stolen; and/or (3) Your Account
    adjustments or other charges and subtract any payments, credits and unpaid has been cancelled or has expired. If a postdated Convenience Check is paid
    Finance Charges. This gives Us the daily balance for balance transfers that are and, as a result, any other Convenience Check is returned unpaid, We are not
    subject to a discounted rate. Then, We add up all the daily balances for balance responsible for any resulting loss or liability.
    transfers that are subject to a discounted rate during the billing cycle and divide
    them by the number of days in the billing cycle. This gives Us the average daily DEFAULT. You will be in default if: (a) You do not make any payment or perform
    transactions balances for balance transfers that are subject to a discounted rate. any obligation under this Agreement, or any other agreement that You may have
    To get the average daily balance for balance transfers that are not subject to a with Us; or (b) You should die, become involved in any insolvency, receivership
    discounted rate, We take the beginning balance for balance transfers that are not or custodial proceeding brought by or against You; or (c) You have made a false
    subject to a discounted rate each day, add any new balance transfers, debit or misleading statement in Your credit application and/or in Your representations
    adjustments or other charges and subtract any payments, credits and unpaid to Us while You owe money on Your Account; or (d) A judgment or tax lien
    Finance Charges. This gives Us the daily balance for balance transfers that are should be filed against You or any attachment or garnishment should be issued
    not subject to a discounted rate. Then, We add up all the daily balances for against any of Your property or rights, specifically including anyone starting an
    balance transfers that are not subject to a discounted rate during the billing cycle action or proceeding to seize any of Your funds on deposit with Us; and/or (e)
    and divide them by the number of days in the billing cycle. This gives Us the We should, in good faith, believe Your ability to repay Your indebtedness
    average daily transactions balances for balance transfers that are not subject to hereunder is or soon will be impaired, time being of the very essence.
    a discounted rate.
                                            Upon any occurrence of default, We may, to the extent permitted by law, cancel
    To get the average daily balance for cash advances (including convenience Your rights under this Agreement, require the return of all access devices and
    checks) that are subject to a discounted rate, We take the beginning balance for declare the entire balance of Your Account immediately due and payable,
    cash advances (including convenience checks) that are subject to a discounted without prior notice or demand.
    rate each day, add any new cash advances, convenience checks, debit
    adjustments or other charges and subtract any payments, credits and unpaid COLLECTION COSTS. In the event collection efforts are required to obtain
    finance Charges. This gives Us the daily balance for cash advances (including payment on this Account, to the extent permitted by law, You agree to pay all
    convenience checks) that are subject to a discounted rate. Then, We add up all court costs, private process server fees, investigation fees or other costs
    the daily balances for cash advances (including convenience checks) that are incurred in collection and reasonable attorneys' fees incurred in the course of
    subject to a discounted rate during the billing cycle and divide them by the collecting any amounts owed under this Agreement or in the recovery of
    number of days in the billing cycle. This gives Us the average daily transactions any Collateral.
    balances for cash advances (including convenience checks) that are subject to a
    discounted rate. To get the average daily balance for cash advances (including ENFORCEMENT. We do not lose Our rights under this or any related agreement
    convenience checks) that are not subject to a discounted rate, We take the if We delay enforcing them. We can accept late payments, partial payments or
    beginning balance for cash advances (including convenience checks) that are any other payments, even if they are marked "paid in full" without losing any of
    not subject to a discounted rate each day, add any new cash advances, Our rights under this Agreement. If any provision of this or any related
    convenience checks, debit adjustments or other charges and subtract any agreement is determined to be unenforceable or invalid, all other provisions
    payments, credits and unpaid Finance Charges. This gives Us the daily balance remain in full force and effect.
    for cash advances (including convenience checks) that are not subject to a
    discounted rate. Then, We add up all the daily balances for cash advances NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You
    (including convenience checks) that are not subject to a discounted rate during move or otherwise have a change of address.
    Copyright Oak Tree Business Systems, Inc., 2007-2015. All Rights Reserved. Page 3 of 4 OTBS 016YCC DC FRB_Web ARKA (12/15)
                                                                             Rev. (12/15)
    CHANGE IN TERMS. We may change the terms of this Agreement by mailing or and apply this credit against future purchases and cash advances, or if it is $1.00
    delivering to You written notice of the changes as prescribed by the Federal or more refund it on Your written request or automatically deposit it to Your share
    Truth-In-Lending Act. To the extent permitted by law, the right to change the account after six months.
    terms of this Agreement includes, but is not limited to, the right to change the
    periodic rate applicable to Your unpaid balance and/or future advances. Your Billing Rights: Keep this Document for Future Use
    INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional This notice tells You about Your rights and Our responsibilities under the
    Disclosure - Federal Truth-In-Lending Act" which is delivered together with this Fair Credit Billing Act.
    Agreement or at a later date becomes an integrated part of this Agreement
    and Disclosure.                               What To Do If You Find A Mistake On Your Statement
    CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this If You think there is an error on Your statement, write to Us at: Arkansas Federal
    Agreement. By signing the application; or by using Your Account or any Account Credit Union, P.O. Box 9, Jacksonville, AR 72078. In Your letter, give us the
    access device; or by authorizing another to use Your Account, You agree to and following information:
    accept its terms.
                                            . Account information: Your name and Account number.
    UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide . Dollar amount: The dollar amount of the suspected error.
    facts to update information contained in Your original Account application or . Description of problem: If You think there is an error on Your bill, describe
    other financial information related to You, at Our request. You also agree that We what You believe is wrong and why You believe it is a mistake.
    may, from time to time, as We deem necessary, make inquiries pertaining to
    Your employment, credit standing and financial responsibility in accordance You must contact Us:
    with applicable laws and regulations. You further agree that We may give
    information about the status and payment history of Your Account to . Within 60 days after the error appeared on Your statement.
    consumer credit reporting agencies, a prospective employer or insurer, or a state . At least three business days before an automated payment is scheduled, if
    or federal licensing agency having any apparent legitimate business need for You want to stop payment on the amount You think is wrong.
    such information.
                                            You must notify Us of any potential errors in writing. You may call Us, but if You
    TERMINATION. Either You or We may cancel Your Account or any particular do We are not required to investigate any potential errors and You may have to
    Feature Category of Your Account, at any time, whether or not You are in pay the amount in question.
    default. You will, in any case, remain liable to pay any unpaid balances according
    to the terms of Your Account.                  What Will Happen After We Receive Your Letter
    GOVERNING LAW. This Agreement is controlled and governed by the laws of When We receive Your letter, We must do two things:
    the State of Arkansas except to the extent that such laws are inconsistent with
    controlling federal law.                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.
    OWNERSHIP. Your Card remains Our property and may be cancelled by Us at 2) Within 90 days of receiving Your letter, We must either correct the error or
    any time without notice. You agree to surrender Your Card and to discontinue its explain to You why We believe the bill is correct.
    use immediately upon Our request.
                                            While We investigate whether or not there has been an error:
    ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue,
    upon Your request, a Personal Identification Number (PIN) for use with . We cannot try to collect the amount in question, or report You as delinquent
    participating Automated Teller Machines (ATMs). This PIN is confidential and on that amount.
    should not be disclosed to anyone. You may use Your PIN to access Your . The charge in question may remain on Your statement, and We may
    Account and all sums advanced will be added to Your Account balance. In the continue to charge You interest on that amount.
    event a use of Your PIN constitutes an Electronic Fund Transfer, the terms . While You do not have to pay the amount in question, You are responsible
    and conditions of Your Electronic Fund Transfer Agreement may also affect for the remainder of Your balance.
    Your rights.                            . We can apply any unpaid amount against Your Credit Limit.
    EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or After We finish Our investigation, one of two things will happen:
    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 . If We made a mistake: You will not have to pay the amount in question or
    the Card.                                 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
    UNAUTHORIZED USE. You may be liable for the unauthorized use of Your question, along with applicable interest and fees. We will send You a
    Card. You will not be liable for the unauthorized use that occurs after You notify statement of the amount You owe and the date payment is due. We may then
    Us of the loss, theft, or possible unauthorized use by calling Us at the telephone report You as delinquent if You do not pay the amount We think You owe.
    number shown in this Agreement or by writing to Us at the address shown in this
    Agreement. In any case, Your liability will not exceed $50.00. 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
    REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not do so, We cannot report You as delinquent without also reporting that You
    liable for the refusal or inability of merchants, financial institutions and others to are questioning Your bill. We must tell You the name of anyone to whom we
    accept the Cards or Convenience Checks, or electronic terminals to honor the reported You as delinquent, and We must let those organizations know when the
    Cards or complete a Card withdrawal, or for their retention of the Cards or matter has been settled between Us. If We do not follow all of the rules above,
    Convenience Checks.                     You do not have to pay the first $50.00 of the amount You question even if Your
                                            bill is correct.
    FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and
    foreign currencies, the exchange rate between the transaction currency and the Your Rights If You Are Dissatisfied With Your Credit Card Purchases
    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 If You are dissatisfied with the goods or services that You have purchased with
    processing date, which rate may vary from the rate VISA itself receives; or (b) the Your Credit Card, and You have tried in good faith to correct the problem with the
    government-mandated rate in effect for the applicable central processing date. 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:
    Except for transactions made through the use of any Signature VISA Credit
    Card, You will be charged 1.00% of the final settlement amount for each such 1) The purchase must have been made in Your home state or within 100 miles
    transaction initiated in a foreign currency whereas, You will be charged 1.00% of of Your current mailing address, and the purchase price must have been
    the final settlement amount for transactions occurring in foreign countries and more than $50.00. (Note: Neither of these are necessary if Your purchase
    initiated in U.S. Dollars.                was based on an advertisement We mailed to You, or if We own the
                                              company that sold You the goods or services.)
    TRANSACTION SLIPS. Your monthly statement will identify that merchant, 2) You must have used Your Credit Card for the purchase. Purchases made
    electronic terminal or financial institution at which transactions were made, but with cash advances from an ATM or with a check that accesses Your Credit
    sales, cash advances, credit or other slips cannot be returned with the statement. Card account do not qualify.
                                            3) You must not yet have fully paid for the purchase.
    LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit
    Cards or Convenience Checks, You will immediately call Us at the telephone If all of the criteria above are met and You are still dissatisfied with the purchase,
    number shown in this Agreement or write to Us at the address shown in contact Us in writing at Our address shown in this Agreement.
    this Agreement.
                                            While We investigate, the same rules apply to the disputed amount as discussed
    CREDITS. If a merchant who honors Your Card gives You credit for returns or above. After We finish Our investigation, We will tell You Our decision. At that
    adjustments, they will do so by sending Us a slip which will be posted to Your point, if We think You owe an amount and You do not pay, We may report You
    Account. If Your credits and payments exceed what You owe Us, We will hold as delinquent.
    Copyright Oak Tree Business Systems, Inc., 2007-2015. All Rights Reserved. Page 4 of 4 OTBS 016YCC DC FRB_Web ARKA (12/15)
                                                                             Rev. (12/15)
                                               PRICING INFORMATION ADDENDUM
                                                          CREDIT CARD ACCOUNT
                                                    AGREEMENT AND DISCLOSURE
         P.O. BOX 9
                                         THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR
      JACKSONVILLE, AR 72078
        (501) 982-1000                   PLATINUM CLASSIC VISA, PLATINUM SECURE VISA, DIAMOND PREFERRED REWARDS
                                         VISA AND SIGNATURE VISA CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS
                                         ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
    Interest Rate and Interest Charges
    Annual Percentage Rate Diamond Preferred Rewards VISA:0.00% Introductory APR for six months
    (APR) For Purchases
                          After that Your APR will be8.99% - 15.99% based on Your creditworthiness
                          This APR will vary with the market based on the Prime Rate
                       Platinum Classic VISA:0.00% Introductory APR for six months
                          After that Your APR will be 6.00% - 14.99% based on Your creditworthiness
                          This APR will vary with the market based on the Prime Rate
                       Platinum Secure VISA: 18.00%
                          This APR will vary with the market based on the Prime Rate.
                       Signature VISA:0.00% Introductory APR for six months
                          After that Your APR will be10.99% - 17.99% based on Your creditworthiness
                          This APR will vary with the market based on the Prime Rate
    APR For Balance    Diamond Preferred Rewards VISA: 0.00% Introductory APR for six months
    Transfers
                          After that Your APR will be 8.99% - 15.99% based on Your creditworthiness
                          This APR will vary with the market based on the Prime Rate
                       Platinum Classic VISA: 0.00% Introductory APR for six months
                          After that Your APR will be 6.00% - 14.99% based on Your creditworthiness
                          This APR will vary with the market based on the Prime Rate
                       Platinum Secure VISA: 18.00%
                          This APR will vary with the market based on the Prime Rate.
                       Signature VISA: 0.00% Introductory APR for six months
                          After that Your APR will be 10.99% - 17.99% based on Your creditworthiness
                          This APR will vary with the market based on the Prime Rate
    APR For Cash Advances Diamond Preferred Rewards VISA: 8.99% - 15.99% based on Your creditworthiness
                          This APR will vary with the market based on the Prime Rate.
                       Platinum Classic VISA: 6.00% - 14.99% based on Your creditworthiness.
                          This APR will vary with the market based on the Prime Rate.
                       Platinum Secure VISA: 18.00%
                          This APR will vary with the market based on the Prime Rate.
                       Signature VISA: 10.99% - 17.99% based on Your creditworthiness.
                          This APR will vary with the market based on the Prime Rate.
                 Please refer to TOP OF PAGE 2 for more important information about Your Account
     Copyright Oak Tree Business Systems, Inc., 2007-2015. All Rights Reserved. Page 1 of 3 OTBS 016AYCC DC FRB_Web ARKA (12/15)
                                                                             Rev. (12/15)
    Interest Rate and Interest Charges (continued)
    Paying Interest    We will not charge You interest on purchases if You pay Your entire balance owed each month
                       within 25 days of Your statement closing date. We will begin charging interest on cash
                       advances and balance transfers on the transaction date.
    For Credit Card Tips from To learn more about factors to consider when applying for or using a Credit Card, visit
    the Consumer Financial the website of the Consumer Financial Protection Bureau at
    Protection Bureau  http://www.consumerfinance.gov/learnmore.
    Fees
    Transaction Fees
     .
       Foreign Transaction Except Signature, 1.00% of each transaction in U.S. Dollars.
     .
       Cash Advance    5.00% of the advance
     .
       Overdraft Transfer $3.00
    Penalty Fees
     .
       Returned Payment Up to $25.00
     .
       Late Payment    Up to $35.00
                    Please refer to PAGE 1 for more important information about Your Account
     FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions
     balances outstanding during the month (including new transactions). Separate average daily balances are calculated for purchases that are subject to a discounted
     rate, purchases that are not subject to a discounted rate, balance transfers that are subject to a discounted rate, balance transfers that are not subject to a discounted
     rate, cash advances (including convenience checks) that are subject to a discounted rate, and cash advances (including convenience checks) that are not subject to a
     discounted rate.
     To get the average daily balance for purchases that are subject to a discounted rate, We take the beginning balance for purchases that are subject to a discounted rate
     each day, add any new purchases that are subject to a discounted rate, debit adjustments or other charges and subtract any payments, credits and unpaid Finance
     Charges. This gives Us the daily balance for purchases that are subject to a discounted rate. Then, We add up all the daily balances for purchases that are subject to a
     discounted rate during the billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for purchases
     that are subject to a discounted rate. To get the average daily balance for purchases that are not subject to a discounted rate, We take the beginning balance for
     purchases that are not subject to a discounted rate each day, add any new purchases that are not subject to a discounted rate, debit adjustments or other charges and
     subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases that are not subject to a discounted rate. Then, We add up
     all the daily balances for purchases that are not subject to a discounted rate during the billing cycle and divide them by the number of days in the billing cycle. This
     gives Us the average daily transactions balances for purchases that are not subject to a discounted rate.
     To get the average daily balance for balance transfers that are subject to a discounted rate, We take the beginning balance for balance transfers that are subject to a
     discounted rate each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This
     gives Us the daily balance for balance transfers that are subject to a discounted rate. Then, We add up all the daily balances for balance transfers that are subject to a
     discounted rate during the billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for balance
     transfers that are subject to a discounted rate. To get the average daily balance for balance transfers that are not subject to a discounted rate, We take the beginning
     balance for balance transfers that are not subject to a discounted rate each day, add any new balance transfers, debit adjustments or other charges and subtract any
     payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers that are not subject to a discounted rate. Then, We add up all the
     daily balances for balance transfers that are not subject to a discounted rate during the billing cycle and divide them by the number of days in the billing cycle. This
     gives Us the average daily transactions balances for balance transfers that are not subject to a discounted rate.
     To get the average daily balance for cash advances (including convenience checks) that are subject to a discounted rate, We take the beginning balance for cash
     advances (including convenience checks) that are subject to a discounted rate each day, add any new cash advances, convenience checks, debit adjustments or other
     charges and subtract any payments, credits and unpaid finance Charges. This gives Us the daily balance for cash advances (including convenience checks) that are
     subject to a discounted rate. Then, We add up all the daily balances for cash advances (including convenience checks) that are subject to a discounted rate during the
     billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for cash advances (including convenience
     checks) that are subject to a discounted rate. To get the average daily balance for cash advances (including convenience checks) that are not subject to a discounted
     rate, We take the beginning balance for cash advances (including convenience checks) that are not subject to a discounted rate each day, add any new cash
     advances, convenience checks, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance
     for cash advances (including convenience checks) that are not subject to a discounted rate. Then, We add up all the daily balances for cash advances (including
     convenience checks) that are not subject to a discounted rate during the billing cycle and divide them by the number of days in the billing cycle. This gives Us the
     average daily transactions balances for cash advances (including convenience checks) that are not subject to a discounted rate.
     The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the applicable Daily Periodic Rate times
     the number of days in the billing cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days
     of Your statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to
     a Finance Charge. 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.
     Except for Platinum Secure VISA, transactions for purchases and balances transfers that post to Your Account during the 90-day period immediately following the date
     You establish Your Account will be subject to an Introductory Daily Periodic Rate of 0.000000% (corresponding ANNUAL PERCENTAGE RATE 0.00%). The
     introductory rate will end six months after the date You establish Your Account at which time, the Daily Periodic Rate applicable to the entire balance of transactions for
     purchases and balance transfers that are subject to an introductory rate will immediately increase to the then standard variable rate that would have otherwise been in
     effect had no introductory rate been applied previously.
    Copyright Oak Tree Business Systems, Inc., 2007-2015. All Rights Reserved. Page 2 of 3 OTBS 016AYCC DC FRB_Web ARKA (12/15)
                                                                             Rev. (12/15)
    Your Platinum Classic VISA is subject to a current variable Daily Periodic Rate of 0.016438% - 0.041068% (corresponding to an ANNUAL PERCENTAGE RATE of
    6.00% - 14.99%), depending on Your creditworthiness.
    Your Diamond Preferred Rewards VISA is subject to a current variable Daily Periodic Rate of 0.024630% - 0.043808% (corresponding to an ANNUAL PERCENTAGE
    RATE of 8.99% - 15.99%), depending on Your creditworthiness.
    Your Platinum Secure VISA is subject to a current variable Daily Periodic Rate of 0.049315% (corresponding to an ANNUAL PERCENTAGE RATE of 18.00%).
    Your Signature VISA is subject to a current variable Daily Periodic Rate of 0.030110% - 0.049288% (corresponding to an ANNUAL PERCENTAGE RATE of 10.99% -
    17.99%), depending on Your creditworthiness.
    VARIABLE RATE. Following the expiration of any Introductory Rate Period, all credit advances will be 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 day any Introductory Rate Period expires, and subsequently, on the 25th day
    of each calendar month 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 day any Introductory Rate Period expires, and subsequently, on the first day of the billing cycle in the calendar 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 18.00% and will apply to Your remaining principal balance.
    For Platinum Classic VISA, Diamond Preferred Rewards VISA and Signature VISA Your Margin will be determined by Your creditworthiness, and for Platinum Classic
    VISA the Margin will be 2.75% - 11.74%, for Diamond Preferred Rewards VISA the Margin will be 5.74% - 12.74% and for Signature VISA the Margin will be 7.74% -
    14.74%. For Platinum Secure VISA the Margin will be 14.75%.
    Copyright Oak Tree Business Systems, Inc., 2007-2015. All Rights Reserved. Page 3 of 3 OTBS 016AYCC DC FRB_Web ARKA (12/15)
                                                                            Rev. (12/15)