CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL 
               
                               TRUTH-IN-LENDING DISCLOSURE STATEMENTS 
               
                         
                          THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING 
           PO Box 4044    DISCLOSURE STATEMENTS, PLATINUM VISA, SAVINGS SECURED VISA AND CASH BACK VISA AGREEMENTS, AND ANY 
        Beaverton, OR 97076-4044  SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR PLATINUM VISA, SAVINGS SECURED VISA AND CASH BACK 
      (503) 626-6600  ?  Fax: (503) 350-0126  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 
                         Platinum VISA: _________%     Savings Secured VISA: _________%   
    (APR) For Purchases 
                          
     
                         Cash Back VISA: _________%   
                            After that this APR will vary with the market based on the Prime Rate.    
     
                          
    APR for Balance Transfers 
                         Platinum VISA: _________%     Savings Secured VISA: _________%     
     
                          
                         Cash Back VISA: _________%   
                            After that this APR will vary with the market based on the Prime Rate.      
     
                          
    APR for Cash Advances 
                         Platinum VISA: _________%     Savings Secured VISA: _________%   
     
                          
                         Cash Back VISA: _________%   
                            After that this APR will vary with the market based on the Prime Rate.     
                          
    Paying Interest      Your due date is at least 25 days after the close of each billing cycle. We will not charge You 
                         interest on purchases if You pay Your entire balance by the due date each month. 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, 
    the Consumer Financial  visit the website of the Consumer Financial Protection Bureau at 
    Protection Bureau    http://www.consumerfinance.gov/learnmore. 
    
    Fees 
                         
    Transaction Fees     
     ?  Foreign Transaction Fee  1.00% of each transaction in U.S. Dollars. 
                         
                         
    Penalty Fees         
     ?  Returned Payment  Up to $25.00 
     ?  Late Payment    Up to $25.00  
                         
     
   How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
   Agreement for details. 
    
   Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Agreement. 
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
    
   Copyright Oak Tree Business Systems, Inc., 2008-2019. All Rights Reserved.      Page 1 of 4                                              OTBS 016CC RMAR (10/19) 
    
   DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean RIVERMARK COMMUNITY CREDIT UNION. The words "Yo u"  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 VISA, 
   Savings Secured VISA and Cash Back VISA Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the Platinum VISA, Savings 
   Secured VISA and Cash Back 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         Daily              ANNUAL 
     Credit Card                                   Periodic Rate     PERCENTAGE RATE 
                            Index    Margin       For Purchases       For Purchases 
                                                                  
     Platinum VISA                                 ___________         ___________ 
                                                                           
     Savings Secured VISA                          ___________         ___________ 
                                                                           
     Cash Back VISA       ___________   ___________   ___________      ___________ 
      
                               Variable Rate         Daily              ANNUAL 
     Credit Card                                   Periodic Rate     PERCENTAGE RATE 
                            Index    Margin      For Balance Transfers  For Balance Transfers 
                                                                  
     Platinum VISA                                 ___________         ___________ 
                                                                           
     Savings Secured VISA                          ___________         ___________ 
                                                                           
     Cash Back VISA       ___________   ___________   ___________      ___________ 
      
                               Variable Rate         Daily              ANNUAL 
     Credit Card                                   Periodic Rate     PERCENTAGE RATE 
                            Index    Margin      For Cash Advances   For Cash Advances 
                                                                  
     Platinum VISA                                 ___________         ___________ 
                                                                           
     Savings Secured VISA                          ___________         ___________ 
                                                                           
     Cash Back VISA       ___________   ___________   ___________      ___________ 
      
    
   PROMISE TO PAY. You understand that the following terms and conditions found  and all advances are paid, any funds pledged may not be available to You for 30 days 
   herein constitute Our Agreement with You. You may request advances on Your  after You have cancelled and any outstanding balance is paid in full. 
   Account through a variety of means which could include (but may not be limited to)   
   telephonic requests, Convenience Checks, Credit Cards and the like. Regardless of  LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which 
   the means by which any advance is made, You promise to pay Us all amounts  You are approved. Unless You are in default, the Credit Limits established for You will 
   charged to Your Account by You or by any user who has access to Your Account, with  generally be self-replenishing as You make payments. You will keep Your unpaid 
   actual, apparent or implied authority for use of Your Account, including Finance  balance within Your Credit Limit set by Us, and You will pay any amount over Your 
   Charges and other fees or charges described herein.  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 
   USE OF YOUR CARD. You may use Your Card to buy goods and services in any  Limit, You will have no credit available during any time that any aspect of Your Account 
   place that it is honored and to get cash advances at participating financial institutions.  is in default. 
   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  JOINT ACCOUNTS. Each Borrower will be responsible, individually and together, for 
   are in violation of applicable state and/or federal law.  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 
   CROSS-COLLATERAL AS SECURITY. Collateral (other than household goods  any such Account access device(s) will only be provided to the primary Borrower at 
   or any dwelling used as Your principal residence) given as security under this  the address that We have on file for You. We may refuse to follow any instructions 
   Agreement or for any other loan You may have with Us will secure all amounts  which run counter to this provision. 
   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.  MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need 
                                            only pay the Minimum Monthly Payments, You understand that You have the right 
   LIEN ON FUNDS DEPOSITED AS SECURITY. You acknowledge that You own any  to repay at any time without penalty. You also understand that You will only be 
   certificates and/or funds pledged as security and that there are no other liens against  charged periodic Finance Charges to the date You repay Your entire balance. You 
   them other than Ours. You agree to perform all acts which are necessary to make Our  may make larger payments without penalty. Any partial payment or prepayment will 
   security interest in the certificates and/or funds being pledged enforceable.  not delay Your next scheduled payment. All payments to Us must be in lawful 
                                            money of the United States. Except as required by law, We may apply payments in 
   VISA PURCHASE MONEY SECURITY. For all purchase money transactions made  an order of Our choosing. Any unpaid portion of the Finance Charge will be paid by 
   with Your Card, to the extent permitted by law, You grant Us a security interest in all  subsequent  payments  and  will  not  be  added  to  Your  principal  balance.  You 
   such personal property purchased with such Card.  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 
   CONSENSUAL LIEN ON FUNDS DEPOSITED AS SECURITY. You grant and  unpaid balance will decrease Your periodic Finance Charges. 
   consent to a lien on Your funds on deposit with Us (except for IRA and Keogh   
   accounts) and any dividends due or to become due to You from Us to the  You agree to pay Your minimum monthly payment, which will be established at the 
   extent You owe on any unpaid Credit Card. If such funds on deposit or  close of each billing cycle. The minimum monthly payment will be 2.00% of Your 
   dividends due are owned jointly, Our right of set-off and Our consensual lien  outstanding balance or $20.00, whichever is greater, plus any amounts past due and 
   extends to any amount owed to Us by any of the joint owners.  any overlimit amounts. If Your outstanding balance is less than $20.00, You agree to 
                                            pay the balance in full. 
   ACCOUNT RESTRICTIONS. In order to receive and maintain a Savings Secured   
   VISA Credit Card, You agree to give Us a specific pledge of funds which will equal  You may, by separate agreement, authorize Us to charge Your payment directly to 
   Your credit limit. In the event that You default on Your Savings Secured VISA Credit  Your savings or checking account. 
   Card, We may apply these funds toward the repayment of any amount owed on such   
   Credit Card. You may cancel Your Savings Secured VISA Credit Card at any time by  FINANCE CHARGES. In the case of any transactions, the balances subject to the periodic 
   paying any amounts owed on that Credit Card. To be certain that Your entire balance  Finance Charge are the separate average daily transactions balances outstanding during 
   Copyright Oak Tree Business Systems, Inc., 2008-2019. All Rights Reserved.      Page 2 of 4                                              OTBS 016CC RMAR (10/19) 
    
   the  month  (including  new  transactions)  for  purchases, cash  advances and  balance  (g) We believe, in good faith, that Your ability to repay Your indebtedness hereunder is 
   transfers. To get each average daily balance, We take the beginning balance for purchases,  or soon will be impaired, time being of the very essence. 
   cash advances and balance transfers each day, add any new transactions for purchases,   
   cash  advances  and  balance  transfers  (costs  for  debt  cancellation  coverage,  debit  Upon any occurrence of default, We may, to the extent permitted by law, cancel Your 
   adjustments or other charges, such as collection expenses, as applicable) and subtract any  rights under this Agreement, require the return of all access devices and declare the 
   payments, credits and unpaid Finance Charges. This gives Us the daily balance(s) for  entire balance of Your Account immediately due and payable, without prior notice or 
   purchases, cash advances and balance transfers. Then, We add up the separate daily  demand.  
   balances for purchases, cash advances and balance transfers for the billing cycle and   
   divide them by the number of days in the billing cycle to arrive at the separate average daily  COLLECTION COSTS. In the event collection efforts are required to obtain payment 
   transactions balances for purchases, cash advances and balance transfers. The Finance  on this Account, to the extent permitted by law, You agree to pay all court costs, 
   Charge for a billing cycle is computed by multiplying each average daily balance subject to  private process server fees, investigation fees or other costs incurred in collection and 
   a Finance Charge by the applicable Daily Periodic Rate times the number of days in the  reasonable attorneys� fees incurred in the course of collecting any amounts owed 
   billing cycle, and the sum is the amount of the Finance Charge owed for the billing cycle  under this Agreement or in the recovery of any Collateral. 
   being accounted for.                      
                                            ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   Your due date is at least 25 days after the close of each billing cycle. You can avoid  We delay enforcing them. We can accept late payments, partial payments or any other 
   Finance Charges on purchases by paying the full amount of the entire balance owed  payments, even if they are marked "paid in full" without losing any of Our rights under 
   each month by the payment due date. Otherwise, the new balance of purchases, and  this Agreement. If any provision of this or any related agreement is determined to be 
   subsequent purchases from the date they are posted to Your Account, will be subject  unenforceable or invalid, all other provisions remain in full force and effect. 
   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  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or 
   first day of the billing cycle in which the transaction is posted to Your Account.  otherwise have a change of address. 
                                             
   CASH BACK VISA VARIABLE RATE. Your Account is subject to a Variable Rate that  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   is based on the highest Prime Rate as published in The Wall Street Journal in effect on  delivering to You written notice of the changes as prescribed by the Federal Truth-In-
   the 15th day of each calendar month ("Index") plus Our Margin. The Index plus the  Lending Act. To the extent permitted by law, the right to change the terms of this 
   Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest  Agreement includes, but is not limited to, the right to change the periodic rate 
   Rate on the 1st day of the billing cycle that immediately follows a change in the Index.  applicable to Your unpaid balance and/or future advances. 
   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  DEBT PROTECTION. Debt protection is not required for any extension of credit 
   Interest Rate will never exceed the maximum permitted by law, and will apply to Your  under this Agreement. However, You may purchase any debt protection available 
   remaining principal balance.             through Us and have the costs added to Your outstanding balance. If You elect to 
                                            do so, You will be given the necessary disclosures and documents separately. 
   OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in   
   such increments as We may from time to time determine) to Your checking account by  INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  which  is  delivered 
   an advance on Your Account, subject to this provision and any preference You have  together with this Agreement or at a later date becomes an integrated part of this 
   indicated to Us for clearing any overdraft on Your checking account. Whether or not such  Agreement and Disclosure. 
   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.  CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. 
   Overdraft  protection  automatically  ceases  if  this  Agreement  is  ever  cancelled  or  By signing the application; or by using Your Account or any Account access device; 
   terminated or Your Account is in default.  or by authorizing another to use Your Account, You agree to and accept its terms. 
                                             
   As disclosed to You previously, all owners of accounts owned jointly are liable for any  UPDATING  AND  DISCLOSING  FINANCIAL INFORMATION. You will  provide 
   overdrafts that may occur on those accounts, regardless of whether or not a benefit  facts to update information contained in Your original Account application or other 
   occurred and checks cashed against any such account are subject to collectibility from  financial information related to You, at Our request. You also agree that We may, 
   that account if returned unpaid. All of which means that if this overdraft protection  from time to time, as We deem necessary, make inquiries pertaining to Your 
   function is attached to an account owned jointly, then overdraft transfers will be made  employment,  credit  standing  and  financial  responsibility  in  accordance  with 
   even if You are not the party that caused the overdraft to occur in the first place.  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 
   PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing all  agencies, a prospective employer or insurer, or a state or federal licensing agency 
   transactions on Your Account including amounts paid and borrowed since Your last  having any apparent legitimate business need for such information.  
   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  TERMINATION. Either You or We may cancel Your Account at any time, whether or 
   We feel Your Account is uncollectible or if We have started collection proceedings  not You are in default. You will, in any case, remain liable to pay any unpaid balances 
   against You because You defaulted. EACH STATEMENT IS DEEMED TO BE A  according to the terms of Your Account. 
   CORRECT  STATEMENT  OF  ACCOUNT  UNLESS  YOU  ESTABLISH  A  BILLING   
   ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.   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 
   OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no  immediately upon Our request. 
   obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check   
   You would exceed Your Credit Limit; (2) Your Convenience Check is post-dated. We  ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon 
   are not responsible, however, if any such Convenience Check is honored and, as a  Your request, a Personal Identification Number (PIN) for use with participating 
   result, any other Convenience Check is returned unpaid; (3) Your Convenience  Automated Teller Machines (ATMs). This PIN is confidential and should not be 
   Checks have been reported lost or stolen; (4) Your Convenience Check is not signed  disclosed to anyone. You may use Your PIN to access Your Account and all sums 
   by a Borrower under this Agreement; (5) Your Account has been cancelled or  advanced will be added to Your Account balance. In the event a use of Your PIN 
   terminated as provided for in this Agreement; (6) Your Convenience Check is written  constitutes  an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your 
   for an amount less than the minimum required amount; and/or (7) Your Convenience  Electronic Fund Transfer Agreement may also affect Your rights.  
   Check is payable to the Credit Union and represents payment on the Account that it   
   is drawn on. You may be able to stop payment of a Convenience Check by contacting  EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
   a Credit Union representative and following the directions that are provided.  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. 
   DEFAULT. You will be in default if: (a) You do not make any payment when due; or (b)   
   You exceed Your Credit Limit; or (c) You fail to perform any obligation under this  UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
   Agreement, or any other agreement that You may have with Us; or (d) You should die,  You will not be liable for the unauthorized use that occurs after You notify Us of the 
   become involved in any bankruptcy, receivership or custodial proceeding filed by or  loss, theft, or possible unauthorized use by calling Us at (800) 452-8502 or (503) 626-
   against You; or (e) You have made a false or misleading statement in Your credit  6600, or by writing to Us at P.O. Box 4044, Beaverton, OR 97076-4044. In any case, 
   application and/or in Your representations to Us while You owe money on Your Account;  Your liability will not exceed $50.00. 
   or (f) 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  REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for 
   starting an action or proceeding to seize any of Your funds on deposit with Us; and/or  the refusal or inability of merchants, financial institutions and others to accept the 
   Copyright Oak Tree Business Systems, Inc., 2008-2019. All Rights Reserved.      Page 3 of 4                                              OTBS 016CC RMAR (10/19) 
    
   Cards or Convenience Checks, or electronic terminals to honor the Cards or complete  You must contact Us: 
   a Card withdrawal, or for their retention of the Cards or Convenience Checks.   
                                            ?  Within 60 days after the error appeared on Your statement. 
   FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries and  ?  At least three business days before an automated payment is scheduled, if You 
   foreign currencies, the exchange rate between the transaction currency and the billing  want to stop payment on the amount You think is wrong. 
   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,  You must notify Us of any potential errors in writing. You may call Us, but if You do 
   which rate may vary from the rate VISA itself receives; or (b) the  government- We are not required to investigate any potential errors and You may have to pay the 
   mandated rate in effect for the applicable central processing date. For transactions  amount in question. 
   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.  What Will Happen After We Receive Your Letter 
   Dollars, You will be charged 1.00% of the final settlement amount.   
                                            When We receive Your letter, We must do two things: 
   TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic   
   terminal or financial institution at which transactions were made, but sales, cash  1)  Within 30 days of receiving Your letter, We must tell You that We received Your 
   advances, credit or other slips cannot be returned with the statement.  letter. We will also tell You if We have already corrected the error. 
                                            2)  Within 90 days of receiving Your letter, We must either correct the error or 
   LATE CHARGE. If Your payment is more than ten days late, You will be charged  explain to You why We believe the bill is correct. 
   $25.00 or the amount of the minimum payment due, whichever is less.   
                                            While We investigate whether or not there has been an error: 
   OTHER FEES AND CHARGES. You will be charged the following fees associated   
   with the use of Your Card: (a) $25.00 for any check (or other negotiable instrument  ?  We cannot try to collect the amount in question, or report You as delinquent on 
   used for payment) which is returned unpaid, or the required minimum payment  that amount. 
   amount for the returned payment, whichever is less; (b) $5.00 for each replacement  ?  The charge in question may remain on Your statement, and We may continue 
   Card You request; (c) $10.00 for each statement or sales draft copy that You  to charge You interest on that amount. 
   request; (d) $25.00 each time You request that We deliver an item on an expedited  ?  While You do not have to pay the amount in question, You are responsible for 
   basis; and (e) $65.00 each time You fail to return to Us any Cards that are in Your  the remainder of Your balance. 
   possession after reporting a lost or stolen Card, or in the event We terminate Your  ?  We can apply any unpaid amount against Your Credit Limit. 
   credit privileges.                        
                                            After We finish Our investigation, one of two things will happen: 
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards   
   or Convenience Checks, You will immediately call Us at (800) 452-8502 or (503) 626- ?  If We made a mistake: You will not have to pay the amount in question or any 
   6600, or write to Us at P.O. Box 4044, Beaverton, OR 97076-4044.  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 
   CREDITS. If a merchant who honors Your Card gives You credit for returns or  question,  along  with  applicable  interest  and  fees.  We  will  send  You  a 
   adjustments, they will do so by sending Us a slip which will be posted to Your  statement of the amount You owe and the date payment is due. We may then 
   Account. If Your credits and payments exceed what You owe Us, We will hold  report You as delinquent if You do not pay the amount We think You owe. 
   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 savings  If You receive Our explanation but still believe Your bill is wrong, You must write to Us 
   account after six months.                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 
   CONTACT METHODS. You understand and agree that to the extent permitted by  tell You the name of anyone to whom we reported You as delinquent, and We must 
   applicable law and as an express condition of Our providing the credit represented  let those organizations know when the matter has been settled between Us. If We do 
   by this Agreement, We may choose to contact You at any wireless, cellular, mobile  not follow all of the rules above, You do not have to pay the first $50.00 of the amount 
   or other phone number that You provide or any other number We may obtain. You  You question even if Your bill is correct. 
   further understand and agree that subject to applicable law, We may contact You   
   using any other means We choose, including but not limited to text messaging,  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
   artificial or prerecorded voice messages and automatic dialing technology. Without   
   limitation, You agree to pay all costs that You may incur as a result of the contact  If You are dissatisfied with the goods or services that You have purchased with 
   method We choose.                        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 
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the  purchase. To use this right, all of the following must be true: 
   State of Oregon except to the extent that such laws are inconsistent with controlling   
   federal law.                             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 
         Your Billing Rights: Keep this Document for Future Use  been  more  than  $50.00.  (Note:  Neither  of  these  are  necessary  if  Your 
                                               purchase was based on an advertisement We mailed to You, or if We own the 
   This notice tells You about Your rights and Our responsibilities under the Fair  company that sold You the goods or services.) 
   Credit Billing Act.                      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 
         What To Do If You Find A Mistake On Your Statement  account do not qualify. 
                                            3)  You must not yet have fully paid for the purchase.  
   If You think there is an error on Your statement, write to Us at Our address shown in   
   this Agreement. In Your letter, give us the following information:  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.  
   ?  Account information: Your name and Account number.   
   ?  Dollar amount: The dollar amount of the suspected error.  While We investigate, the same rules apply to the disputed amount as discussed 
   ?  Description of problem: If You think there is an error on Your bill, describe what  above. After We finish Our investigation, We will tell You Our decision. At the point, if 
     You believe is wrong and why You believe it is a mistake.  We think You owe an amount and You do not pay, We may report You as delinquent.  
    
    
    
   Copyright Oak Tree Business Systems, Inc., 2008-2019. All Rights Reserved.      Page 4 of 4                                              OTBS 016CC RMAR (10/19) 
    
                                                              CASH BACK VISA 
      
      
      
      
      
       Interest Rates and Interest Charges 
       
                                             11.50% - 22.00% 
       Annual Percentage Rate 
       (APR) for Purchases 
                           Your APR is based on your creditworthiness at the time you open your account. The 
                           APR will vary based on the Prime Rate as published in The Wall Street Journal. 
       APR for Balance Transfers                11.50% - 22.00% 
       APR for Cash Advances                    11.50% - 22.00% 
       Penalty APR         None 
       
                           Your due date is at least 25 days after the close of each billing cycle. We will not 
       How to Avoid Paying 
                           charge you any interest on purchases if you pay your entire balance by the due date 
       Interest on Purchases 
                           each month. 
       Minimum Interest Charge  None 
       For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit 
       the Consumer Financial  card, visit the website of the Consumer Financial Protection Bureau at 
       Protection Bureau   http://www.consumerfinance.gov/learnmore. 
      
       Fees 
       Annual Fee          None 
       Transaction Fees    
       �    Balance Transfer  None 
       �    Cash Advance   None 
       �    Foreign Transaction  1% of each transaction in U.S. dollars 
       Penalty Fees        
       �    Late Payment   Up to $25 after ten days 
       �    Over-the-Credit Limit  None 
       �    Returned Payment  Up to $25 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
     agreement. 
                                                              PLATINUM VISA 
      
      
      
      
      
      
      
      
       Interest Rates and Interest Charges 
       
                                             6.90% - 17.90% 
       Annual Percentage Rate 
       (APR) for Purchases 
                           Your APR is based on your creditworthiness at the time you open your account. 
       APR for Balance Transfers                6.90% - 17.90% 
       APR for Cash Advances                    6.90% - 17.90% 
       Penalty APR         None 
       
                           Your due date is at least 25 days after the close of each billing cycle. We will not 
       How to Avoid Paying 
                           charge you any interest on purchases if you pay your entire balance by the due date 
       Interest on Purchases 
                           each month. 
       Minimum Interest Charge  None 
       For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit 
       the Consumer Financial  card, visit the website of the Consumer Financial Protection Bureau at 
       Protection Bureau   http://www.consumerfinance.gov/learnmore. 
      
       Fees 
       Annual Fee          None 
       Transaction Fees    
       �    Balance Transfer  None 
       �    Cash Advance   None 
       �    Foreign Transaction  1% of each transaction in U.S. dollars 
       Penalty Fees        
       �    Late Payment   Up to $25 after 10 days 
       �    Over-the-Credit Limit  None 
       �    Returned Payment  Up to $25 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
     agreement. 
                                        SAVINGS SECURED PLATINUM VISA 
      
      
      
      
      
      
       Interest Rates and Interest Charges 
       Annual Percentage Rate (APR) for 
                                                     10.90% 
       Purchases 
       APR for Balance Transfers                      10.90% 
       APR for Cash Advances                          10.90% 
       Penalty APR               None 
       
                                 Your due date is at least 25 days after the close of each billing cycle. We 
       How to Avoid Paying Interest on 
                                 will not charge you any interest on purchases if you pay your entire 
       Purchases 
                                 balance by the due date each month. 
       Minimum Interest Charge   None 
       For Credit Card Tips from the  To learn more about factors to consider when applying for or using a 
       Consumer Financial Protection  credit card, visit the website of the Consumer Financial Protection 
       Bureau                    Bureau at http://www.consumerfinance.gov/learnmore. 
      
       Fees 
       Annual Fee                None 
       Transaction Fees           
       �    Balance Transfer     None 
       �    Cash Advance         None 
       �    Foreign Transaction  1% of each transaction in U.S. dollars 
       Penalty Fees               
       �    Late Payment         Up to $25 after ten days 
       �    Over-the-Credit Limit  None 
       �    Returned Payment     Up to $25 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
     agreement.