CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE 
THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, CLASSIC VISA, SECURED VISA AND PLATINUM REWARDS MASTERCARD AGREEMENTS, AND ANY SPECIAL 
P.O. BOX 9 JACKSONVILLE, AR 72078 


INSTRUCTIONS REGARDING THE USE OF YOUR CLASSIC VISA, SECURED VISA AND 
(501) 982-1000 

PLATINUM REWARDS MASTERCARD 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. 

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. 
Copyright Oak Tree Business Systems, Inc., 2007-2010. All Rights Reserved. Page 1 of 4 OTBS 016YCC DC ARKA (5/10) 
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 Classic VISA, Secured VISA or Platinum Rewards MasterCard Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the Classic VISA, Secured VISA or Platinum Rewards MasterCard 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. 
Account Feature Categories  Variable Rate Margin Index  DailyPeriodic Rate  Annual Percentage Rate  
Secured VISA Classic VISA Platinum Rewards MasterCard  __________ __________ __________ __________ __________ __________  ____________% ____________% ____________%  ____________% ____________% ____________%  

PROMISE TO PAY. You, as the Borrower, understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute Our Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic requests, advance request forms, vouchers, checks, charge slips, Convenience Checks, Credit Cards and the like. Regardless of the means by which anyadvance is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and other fees or charges described herein. 
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. 
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. 
CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your shares with Us (except for IRA and Keogh accounts) and any dividends due or to become due to You from Us to the extent You owe on any unpaid Credit Card balance. 
ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured VISA Credit Card, You agree to give Us a specific pledge of shares which will equalYour credit limit. In the event that You default on Your Secured VISA Credit Card, We may apply these shares toward the repayment of any amount owed on Your Account. You may cancel Your Secured VISA Credit Card at any time by paying any amounts owed on Your Account. 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 paidin full. 
LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit 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 primaryBorrower 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 needonly 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. 
Payments will be applied in the following order: (a) any Late Charges owing; (b) any other fees and charges owing; (c) any Finance Charges due; (d) Your balance for purchases that are subject to a discounted rate; (e) Your balance for purchases that are not subject to a discounted rate; (f) Your balance for balance transfers that are subject to a discounted rate; (g) Your balance for cash advances that are subject to a discounted rate; (h) Your balance for balance transfers that are not subject to a discounted rate; and then to (i) Your balance for cash advances that are not subject to a discounted rate. 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 interest, and then to each successive balance bearing the next highest rate of interest, until the payment is depleted. 
Any unpaid portion of the Finance Charge will be paid by subsequent payments and will not be added to Your principal balance. You understand that any delay in the repayment of Your unpaid balance will increase Your periodic Finance Charges and any acceleration in the repayment of Your unpaid balance will decrease Your periodic Finance Charges. 
Minimum Payments will be an amount equal to 3.00% of Your new unpaidbalance at the end of each billing cycle, subject to the lesser of $20.00 or Your balance, plus any portion of the Minimum Payments shown on prior statement(s)which remains unpaid, plus any amount that exceeds Your approved Credit Limit. 
You may, by separate agreement, authorize Us to charge Your payment directly to Your share or share draft account. 
LATE CHARGE. If Your payment is more than seven days late, You will be charged the greater of $25.00 or 20.00% of the interest due. 
OTHER FEES AND CHARGES. You will be charged $25.00 for any check (or other negotiable instrument used for payment) which is returned unpaid. 
FINANCE CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average dailytransactions 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 dailybalances for purchases that are subject to a discounted rate during the billingcycle 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 dailybalances 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 unpaidFinance 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 unpaidFinance 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. 

Copyright Oak Tree Business Systems, Inc., 2007-2010. All Rights Reserved. Page 2 of 4 OTBS 016YCC DC ARKA (5/10) 
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 averagedaily 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 daysin 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 averagedaily 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. 
VARIABLE RATE. All credit advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall Street Journal in effect 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 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 regularlyscheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. 
OVERDRAFT PROTECTION. We may transfer funds to Your share draft account by an advance on Your Classic VISA or Platinum Rewards MasterCard Feature Category, subject to this provision, to clear any overdraft on Your share draft account. Such transfers will be in increments of $1.00 (or such other amount that We may from time to time determine). Whether or not such transfers occur will be controlled by this Agreement. In any event, You hold Us harmless for any and all liability which might otherwise arise if the transfer does not occur. Overdraft protection automatically ceases if this Agreement is ever cancelled or terminated or Your Account is in default. 
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; and/or (3) Your Account has been cancelled or has expired. If a postdated Convenience Check is paidand, as a result, any other Convenience Check is returned unpaid, We are not responsible for any resulting loss or liability. 
DEFAULT. You will be in default if: (a) You do not make any payment or perform any obligation under this Agreement, or any other agreement that You may have with Us; or (b) You should die, become involved in any insolvency, receivership or custodial proceeding brought by or against You; or (c) You have made a false or misleading statement in Your credit application and/or in Your representations to Us while You owe money on Your Account; or (d) A judgment or tax lien should be filed against You or any attachment or garnishment should be issued against any of Your property or rights, specifically including anyone starting an action or proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay Your indebtedness hereunder is or soon will be impaired, time being of the very essence. 
Upon any occurrence of default, We may, to the extent permitted by law, cancel Your rights under this Agreement, require the return of all access devices and declare the entire balance of Your Account immediately due and payable, without prior notice or demand. 
COLLECTION COSTS. In the event collection efforts are required to obtain payment on this Account, to the extent permitted by law, You agree to pay all court costs, private process server fees, investigation fees or other costs incurred in collection and reasonable attorneys' fees incurred in the course of collecting any amounts owed under this Agreement or in the recovery of any Collateral. 
ENFORCEMENT. We do not lose Our rights under this or any related agreement if We delay enforcing them. We can accept late payments, partial payments or any other payments, even if they are marked "paid in full" without losing any of Our rights under this Agreement. If any provision of this or any related agreement is determined to be unenforceable or invalid, all other provisions remain in full force and effect. 
NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or otherwise have a change of address. 
CHANGE IN TERMS. We may change the terms of this Agreement by mailing or delivering to You written notice of the changes as prescribed by the Federal Truth-In-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement includes, but is not limited to, the right to change the periodic rate applicable to Your unpaid balance and/or future advances. 
INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional Disclosure -Federal Truth-In-Lending Act" 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 Arkansas except to the extent that such laws are inconsistent with controlling federal law. 
OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any time without notice. You agree to surrender Your Card and to discontinue its use immediately upon Our request. 
ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your request, a Personal Identification Number (PIN) for use with participating Automated Teller Machines (ATMs). This PIN is confidential and should not be disclosed to anyone. You may use Your PIN to access Your Account and all sums advanced will be added to Your Account balance. In the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement may also affect Your rights. 
EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other slips You may sign or receive when using Your Card contain terms, this Agreement is the contract which solely applies to all transactions involving the Card. 
UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. You will not be liable for the unauthorized use that occurs after You notify Us of the loss, theft, or possible unauthorized use by calling Us at the telephone number shown in this Agreement or by writing to Us at the address shown in this Agreement. In any case, Your liability will not exceed $50.00. 
REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for the refusal or inability of merchants, financial institutions and others to accept the Cards or Convenience Checks, or electronic terminals to honor the Cards or complete a Card withdrawal, or for their retention of the Cards or Convenience Checks. 
FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and foreign currencies, the exchange rate between the transaction currency and the billing currency (U.S. dollars) will be: (a) a rate selected by VISA 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 that are initiated in foreign countries or foreign currencies. For transactions involving Your MasterCard Card, You will be charged 8/10ths of 1.00% calculated on the final settlement amount 

Copyright Oak Tree Business Systems, Inc., 2007-2010. All Rights Reserved. Page 3 of 4 OTBS 016YCC DC ARKA (5/10) 
for transactions that are initiated in foreign countries, and if Your transaction is also 2) Within 90 days of receiving Your letter, We must either correct the error or initiated in a foreign currency You will be charged an additional 2/10ths of 1.00% explain to You why We believe the bill is correct. calculated on the final converted settlement amount. 
While We investigate whether or not there has been an error: TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic terminal or financial institution at which transactions were made, but We cannot try to collect the amount in question, or report You as 
sales, cash advances, credit or other slips cannot be returned with the statement. 
LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards or Convenience Checks, You will immediately call Us at the telephone number 
delinquent on that amount. The charge in question may remain on Your statement, and We may continue to charge You interest on that amount. While You do not have to pay the amount in question, You are responsible 
for the remainder of Your balance. 

After We finish Our investigation, one of two things will happen: 

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 If We made a mistake: You will not have to pay the amount in question or more refund it on Your written request or automatically deposit it to Your share 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 
.... 
shown in this Agreement or write to Us at the address shown in this Agreement. We can apply any unpaid amount against Your Credit Limit. 
CREDITS. If a merchant who honors Your Card gives You credit for returns or adjustments, they will do so by sending Us a slip which will be posted to Your 
account after six months. 
.. 
question, along with applicable interest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe. 


Your Billing Rights: Keep this Document for Future Use 
This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 
If You think there is an error on Your statement, write to Us at: Arkansas Federal Credit Union, P.O. Box 9, Jacksonville, AR 72078. In Your letter, give us the following information: 
If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom we reported You as delinquent, and We must let those organizations know when the matter has been settled between Us. If We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill is correct. 
... 
Account information: Your name and Account number. 


Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
Dollar amount: The dollar amount of the suspected error. Description of problem: If You think there is an error on Your bill, describe 
If You are dissatisfied with the goods or services that You have purchased with what You believe is wrong and why You believe it is a mistake. 
Your Credit Card, and You have tried in good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: You must contact Us: 
.. 
Within 60 days after the error appeared on Your statement. 
1) The purchase must have been made in Your home state or within 100 miles of At least 3 business days before an automated payment is scheduled, if Your current mailing address, and the purchase price must have been moreYou want to stop payment on the amount You think is wrong. 
than $50. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if We own the company that sold You 
You must notify Us of any potential errors in writing. You may call Us, but if You do 
We are not required to investigate any potential errors and You may have to paythe amount in question. 
What Will Happen After We Receive Your Letter When We receive Your letter, We must do two things: 
1) Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have already corrected the error. 
the goods or services.) 
2) You must have used Your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses Your Credit Card account do not qualify. 
3) You must not yet have fully paid for the purchase. If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing at Our address shown in this Agreement. While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as delinquent. 

Copyright Oak Tree Business Systems, Inc., 2007-2010. All Rights Reserved. Page 4 of 4 OTBS 016YCC DC ARKA (5/10)