P.O. BOX 9
JACKSONVILLE, AR 72078
(501) 982-1000

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,
PLATINUM SECURE VISA AND DIAMOND PREFERRED REWARDS VISA AGREEMENTS, AND
ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR PLATINUM CLASSIC VISA,
PLATINUM SECURE VISA AND DIAMOND PREFERRED REWARDS VISA CREDIT CARDS,
AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS
AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Interest Rate and Interest Charges

Annual Percentage Rate
(APR) For Purchases

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.

APR For Balance
Transfers

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.

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.

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
the Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a Credit Card, visit
the website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.

Fees

Transaction Fees
.

Foreign Transaction

Penalty Fees
.
.

Returned Payment
Late Payment

1.00% of each transaction in U.S. Dollars.

Up to $25.00
Up to $35.00 after 7 days.

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.

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 or Diamond Preferred Rewards VISA Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the
Platinum Classic VISA, Platinum Secure VISA or Diamond Preferred Rewards 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.

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Account
Feature Categories

Variable Rate

Margin

Index

Current Daily
Periodic Rate

Current Annual
Percentage Rate

Platinum Secure VISA

Platinum Classic VISA

Diamond Preferred Rewards

__________

__________

__________

__________

__________

__________

____________%

____________%

____________%

____________%

____________%

____________%

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 any
advance is made, You promise to pay Us all amounts charged to Your Account
by You or by any user who has access to Your Account, with actual, apparent or
implied authority for use of Your Account, including Finance Charges and other
fees or charges described herein.

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 Platinum Secure
VISA Credit Card, You agree to give Us a specific pledge of shares which will
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
amount owed on Your Account. You may cancel Your Platinum Secure 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 paid in 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
is requested and approved, You
understand that any such Account access device(s) will be mailed only to the
primary Borrower at the address that We have on file for You. We may refuse to
follow any instructions which run counter to this provision.

Identification Number

(PIN)

MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You
need only pay the Minimum Monthly Payments, You understand that You have
the right to repay at any time without penalty. You also understand that You will
only be charged periodic Finance Charges to the date You repay Your entire
balance. You may make larger payments without penalty. Any partial payment or
prepayment will not delay Your next scheduled payment. All payments to Us
must be in lawful money of the United States. We may apply each payment to
whichever Feature Category We wish.

Payments will be applied in the following order: (a) any Finance Charges due; (b)
any other fees and charges owing; (c) any Late Charges owing; and then to (d)
the balance bearing the lowest rate of interest, and then to each successive
balance bearing the next lowest rate of interest, until the minimum payment is
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
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
increase Your periodic Finance
the repayment of Your unpaid balance will

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 unpaid
balance at the end of each billing cycle, subject to the lesser of $20.00 or
the Minimum Payments shown on prior
Your balance, plus any portion of
that exceeds Your
statement(s) which remains unpaid, plus any amount
approved Credit Limit.

LATE CHARGE. If Your payment is more than seven days late, You will be
charged the lesser of: (a) $25.00 (this amount will be $35.00 if You have incurred
a late charge within 6 months of previously incurring a late charge); or (b) the
amount of the required minimum payment.

OTHER FEES AND CHARGES. You will be charged the lesser of $25.00 for
any check (or other negotiable instrument used for payment) which is returned
unpaid, or the required minimum payment amount for the returned payment.

FINANCE CHARGES. In the case of any transactions under Your Account, the
to the periodic Finance Charge are the average daily
balances subject
transactions balances outstanding during the month (including new transactions).
Separate average daily balances are calculated for purchases, balance
transfers, and cash advances (including convenience checks).

To get the average daily balance for purchases, each day We take the beginning
balance for purchases and add any new purchases, debit adjustments or other
charges and subtract any payments, credits and unpaid Finance Charges. This
gives Us the daily balance for purchases. Then, We add up all the daily balances
for purchases and divide them by the number of days in the billing cycle. This
gives Us the average daily transactions balances for purchases.

To get the average daily balance for balance transfers, each day We take the
beginning balance for balance transfers and 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.
Then, We add up all the daily balances for balance transfers and divide them by
the number of days in the billing cycle. This gives Us the average daily
transactions balances for balance transfers.

To get the average daily balance for cash advances (including convenience
checks), each day We take the beginning balance for cash advances (including
convenience checks) and 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). Then, We add up the daily balances for cash
advances (including convenience checks) 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).

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.

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 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.

OVERDRAFT PROTECTION. We may transfer
funds to Your share draft
account by an advance on Your Platinum Classic VISA or Diamond Preferred
Rewards VISA Account, 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

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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 paid
and, as a result, any other Convenience Check is returned unpaid, We are not
responsible for any resulting loss or liability.

DEFAULT. You will be in default if: (a) You do not make any payment or perform
any obligation under this Agreement, or any other agreement that You may have
with Us; or (b) You should die, become involved in any insolvency, receivership
or custodial proceeding brought by or against You; or (c) You have made a false
or misleading statement in Your credit application and/or in Your representations
to Us while You owe money on Your Account; or (d) A judgment or tax lien
should be filed against You or any attachment or garnishment should be issued
against any of Your property or rights, specifically including anyone starting an
action or proceeding to seize any of Your funds on deposit with Us; and/or (e)
We should,
in good faith, believe Your ability to repay Your indebtedness
hereunder is or soon will be impaired, time being of the very essence.

Upon any occurrence of default, We may, to the extent permitted by law, cancel
Your rights under this Agreement, require the return of all access devices and
declare the 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
investigation fees or other costs
fees incurred in the course
incurred in collection and reasonable attorneys'
of collecting any amounts owed under this Agreement or in the recovery of
any Collateral.

fees,

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
this or any related
agreement is determined to be unenforceable or invalid, all other provisions
remain in full force and effect.

If any provision of

this Agreement.

rights under

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
legitimate business need for
such information.

licensing agency having any apparent

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.

request, a Personal

Identification Number

issue,
ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will
upon Your
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.

(PIN)

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
transactions involving
the Card.

is the contract which solely applies to all

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 from the range
of rates available in wholesale currency markets for the applicable central
processing date, which rate may vary from the rate VISA itself receives; or (b)
the government-mandated rate in effect for the applicable central processing
date. For transactions that are initiated in a foreign currency, You will be charged
1.00% of
the final settlement amount. For transactions occurring in foreign
countries and initiated in U.S. Dollars, You will be charged 1.00% of the final
settlement amount.

TRANSACTION SLIPS. Your monthly statement will
identify that merchant,
electronic terminal or financial institution at which transactions were made, but
sales, cash advances, credit or other slips cannot be returned with the statement.

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit
immediately call Us at the telephone
Cards or Convenience Checks, You will
number shown in this Agreement or write to Us at
the address shown in
this Agreement.

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

Your Billing Rights: Keep this 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:
.
.
.

Account information: Your name and Account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If You think there is an error on Your bill, describe
what You believe is wrong and why You believe it is a mistake.

You must contact Us:
.
.

Within 60 days after the error appeared on Your statement.
At least 3 business days before an automated payment is scheduled, if
You want to stop payment on the amount You think is wrong.

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

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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.

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.

2) Within 90 days of receiving Your letter, We must either correct the error or

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

explain to You why We believe the bill is correct.

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

We cannot try to collect the amount in question, or report You as 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.
We can apply any unpaid amount against Your Credit Limit.

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

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

If You receive Our explanation but still believe Your bill
is wrong, You must
write to Us within 10 days telling Us that You still refuse to pay. If You do so, We

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

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

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.

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P.O. BOX 9
JACKSONVILLE, AR 72078
(501) 982-1000

Interest Rate and Interest Charges

PRICING INFORMATION ADDENDUM
CREDIT CARD ACCOUNT
AGREEMENT AND DISCLOSURE
THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR
PLATINUM CLASSIC VISA, PLATINUM SECURE VISA AND DIAMOND PREFERRED
REWARDS VISA CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS ADDENDUM
CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Annual Percentage Rate
(APR) For Purchases

Diamond Preferred Rewards VISA: 8.75% - 12.75% based on Your creditworthiness.

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

Platinum Classic VISA: 6.00% - 10.75% based on Your creditworthiness.

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

Platinum Secure VISA: 14.00% - 18.00% based on Your creditworthiness.

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

APR For Balance
Transfers

Diamond Preferred Rewards VISA: 8.75% - 12.75% based on Your creditworthiness.

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

Platinum Classic VISA: 6.00% - 10.75% based on Your creditworthiness.

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

Platinum Secure VISA: 14.00% - 18.00% based on Your creditworthiness.

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

APR For Cash Advances

Diamond Preferred Rewards VISA: 8.75% - 12.75% based on Your creditworthiness.

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

Platinum Classic VISA: 6.00% - 10.75% based on Your creditworthiness.

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

Platinum Secure VISA: 14.00% - 18.00% based on Your creditworthiness.

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.

Fees

Transaction Fees
.

Foreign Transaction

Penalty Fees
.
.

Returned Payment
Late Payment

1.00% of each transaction in U.S. Dollars.

Up to $25.00
Up to $35.00 after 7 days.

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

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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, balance
transfers, and cash advances (including convenience checks).

To get the average daily balance for purchases, each day We take the beginning balance for purchases and add any new purchases, debit adjustments or
other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all the daily
balances for purchases and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for purchases.

To get the average daily balance for balance transfers, each day We take the beginning balance for balance transfers and 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.
Then, We add up all the daily balances for balance transfers and divide them by the number of days in the billing cycle. This gives Us the average daily
transactions balances for balance transfers.

To get the average daily balance for cash advances (including convenience checks), each day We take the beginning balance for cash advances (including
convenience checks) and 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). Then, We add up all the daily balances for cash
advances (including convenience checks) 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).

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.

Your Platinum Classic VISA is subject to a current variable Daily Periodic Rate of 0.016438% - 0.029452% (corresponding to an ANNUAL PERCENTAGE
RATE of 6.00% - 10.75%), depending on Your creditworthiness.

Your Diamond Preferred Rewards VISA is subject to a current variable Daily Periodic Rate of 0.023973% - 0.034932% (corresponding to an ANNUAL
PERCENTAGE RATE of 8.75% - 12.75%), depending on Your creditworthiness.

Your Platinum Secure VISA is subject to a current variable Daily Periodic Rate of 0.038356% - .049315% (corresponding to an ANNUAL PERCENTAGE
RATE of 14.00% - 18.00%), depending on Your creditworthiness.

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 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.

Your Margin will be determined by Your creditworthiness, and for Platinum Classic VISA the Margin will be 2.75% - 7.50%, whereas the Margin for Diamond
Preferred Rewards VISA will be 5.50% - 9.50% and the Margin for Platinum Secure VISA will be 10.75% - 14.75%.

Copyright Oak Tree Business Systems, Inc., 2010-2013. All Rights Reserved.

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OTBS 016AYCC DC FRB_Web ARKA (11/12)
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