�
                                                   VISA   BUSINESS CREDIT CARD 
                                    AGREEMENT, DISCLOSURE, AND GUARANTEE 
     Terms and conditions set forth in this agreement are applicable to the Business Credit Card used by designated individuals authorized by Company. In this Agreement 
      the term �Company� refers to the entity on whose application the Credit Union relied in approving this line of credit and distributing the Business Cards. When used 
     herein, the term (�Credit Union�) shall be SAFE Credit Union. 
      Whereas, Credit Union is a member and licensee of VISA International Incorporated duly authorized to issue VISA Business Cards (�Business Cards�) and to enter into 
      corporate agreements regarding such issuance; and 
      Whereas, Credit Union desires to make available to the Company Business Cards for issuance to designated personnel of Company who are eligible for said cards; and 
      Whereas, Company wishes to have Credit Union issue Business Cards to certain directors and/or employees designated by Company (Designated Personnel), Now, 
      therefore, in consideration of the foregoing premises and the mutual covenants and obligations contained herein, the parties agree as follows: 
     1.  BUSINESS CARD USAGE - Credit Union shall issue Business Cards  6.  MONTHLY PAYMENTS � Credit Union shall provide Company with 
     to Company�s Designated Personnel with the understanding that each of  separate monthly statements showing all charges and appropriate billing 
     such personnel may only charge purchases of goods and services and  date regarding all fees relating to Business Cards. Company is expected to 
     obtain cash advances which are necessary for or incidental to authorized  pay the New Balance in full upon receipt of the statement. In any event, 
     Company business activities. Use of said cards will constitute an extension  Company will  pay  to  Credit  Union  by  the  14th  day  of  each  month  an 
     of credit to Company by Credit Union. Each Business Card issued shall  amount the greater of $10.00 or 2% of the new balance shown on such 
     constitute  a  separate  account  hereunder.  Company  shall  request  and  statement and any minimum payment billed in prior statements shown as 
     provide to Credit Union a list of all Designated  Personnel who receive  past due which will be included in the minimum payment due amount on 
     Business  Cards  as  per  Credit  Union  procedures.  Company  shall  also  the statement. Unless there is no balance, Company is expected to at least 
     immediately provide to Credit Union any additions or deletions for said list.  make a monthly payment. 
     The  use  of  any  of  the  Business  Card(s)  issued  to  Company  by  any  7. PAYING INTEREST - Company and its Designated Personnel has until 
     authorized user indicates Company�s 1) acknowledgement of receipt of this  the payment due date (25 days from the billing cycle) to pay the balance in 
     agreement and 2) agreement with all the terms, conditions and obligations  full before a FINANCE CHARGE is assessed on the purchase balance. If 
     contained herein.                     Company and its Designated Personnel does not pay the balance in full by 
     2. BUSINESS CARD EXPIRATION - Unless canceled by Credit Union or  the  payment  due  date,  a  FINANCE  CHARGE  will  apply  to  the  then 
     by Company, each Business Card shall be in force for the term stated  outstanding  purchase  balance  and  on  future  purchases  from  the 
     thereon. Within 45 days of the scheduled expiration date of a Business  transaction date. If during the previous billing cycle the balance is Paid in 
     Card, Company shall notify Credit Union if the Business Card should be  Full by the Payment Due Date, then in the current billing cycle Company 
     renewed. In the absence of such notification, Credit Union may renew the  will have a Grace Period on the amount of the Purchase balance remaining 
     Business Card. Upon termination of this Agreement all Business Cards  from  the  previous billing  cycle that  is  paid  by  the  Payment  Due  Date, 
     shall be cancelled and either returned to the Credit Union or certified by the  based on our payment allocation method. We will begin charging interest 
     Company as destroyed.                 on cash advances and balance transfers as of the transaction date. 
     3. COMPANY LIABILITY - Company shall be liable for any and all charges  8.  FINANCE  CHARGES  �  The  New  Balance  of  Purchases,  and 
     and cash advances made with the Company�s Business Cards and shall  subsequent purchases from the date they are posted to the account, will 
     pay them together  with any finance  charges, fees  and costs accrued.  be subject to FINANCE CHARGE. Cash Advances are always subject to 
     Company shall not be responsible for the unauthorized use of any card by  FINANCE  CHARGE  from  the  date  they  are  posted  to  the  account. 
     anyone  other  than  Designated  Personnel.  Whenever  Company  or  FINANCE CHARGE (interest) is calculated at the periodic rate of 0.888% - 
     Designated Personnel believe that a Business Card has been lost, stolen  1.388%  per  month  which  corresponds  to  an  initial  ANNUAL 
     or otherwise subject to unauthorized use, Credit Union shall be notified.  PERCENTAGE RATE OF 10.65% - 16.65%; on the average daily principal 
     Such notification shall be given by calling 800-733-7233 or writing Credit  balances of purchases, balance transfers and cash advances. This rate is 
     Union at PO Box 609000, North Highlands, CA 95660-1057 and reporting  a  variable  rate  which  may  increase  or  decrease,  monthly,  based  on 
     the  loss, theft  or unauthorized use.  Unauthorized  use  is any  use  by  a  movements of the Wall Street Journal Prime Rate which is the Prime Rate 
     person other than Designated Personnel without the consent of Company.  published on the 15th of each month in the Wall Street Journal, Western 
     Any use of the card by Designated Personnel or by any other person with  Edition (�index�), plus a margin of 6.65 - 12.65 percentage points. The 
     the  consent  of  Company  is  authorized  use.  Company�s  liability  for  Interest Rate and margin will be effective  on the 18th day of the next 
     unauthorized use will not exceed $0.00 if the following conditions are met:  month. There is no limitation on the amount of increase in the Annual 
     Company reports the loss or theft of a Business Card within 24 hours of  Percentage Rate. The effect of any increase will include, but is not limited 
     discovering it lost or stolen, 2) Company can demonstrate that Company  to, higher minimum monthly payments, a longer payoff term, and additional 
     has exercised reasonable care in safeguarding the Business Cards, 3) the  finance charges. If the index is no longer available, the Credit Union will 
     Company has  not  reported two  or  more  incidents  of  unauthorized use  select an index which closely approximates this index. 
     within the preceding  12 months and 4) Company�s  account  is in good  9.  CASH ADVANCE FEE -  No fee. 
     standing.                             10.  BALANCE CALCULATIONS  - The principal  balances  of  purchase 
     4.  CREDIT LINE - Credit Union shall establish and advise Company, by  and cash advances are determined each day during the statement period, 
     separate  document,  of  the  limit  (Aggregate  Limit)  on  the  extension  of  beginning with the principal portion of the Previous Balances, reduced by 
     revolving credit on all of the aggregate accounts. All Company Business  payments made and credits the Credit Union applies, and increased by 
     Cards  shall  have  access  to  the  Aggregate  Limit.  It  is  the  Company�s  purchases  made  and  cash  advances  received  and  debit  adjustments 
     responsibility  to  monitor  usage  by  each  designated  cardholder.  The  Credit  Union  makes  during  the  statement  period.  The  daily  principal 
     Aggregate Limit is determined by certain rules and regulations to which  balances are totaled, and divided by the number of days in the statement 
     Credit Union is subject and has been provided to the Company as follows :  period, to produce separate average daily principal balances for purchases 
             . The  Aggregate  Limit  shall  automatically be  adjusted  to  and cash advances to which the periodic rate is then applied. 
     reflect any changes in the applicable Visa rules and regulations or upon  11. LATE PAYMENT - If a payment is not paid on or before the 15th day 
     notice by the Credit Union. Credit Union shall promptly notify Company of  after the due date, Company may be charged a late fee of $15 or minimum 
     any such changes.  In addition, Credit Union may adjust the Aggregate  payment amount, whichever is less. The interest shall be charged on the 
     Limit from time to time in the discretion of Credit Union upon notice to the  unpaid principal balance until paid in full. 
     Company or upon a signed modification to this agreement. Credit Union  12.  CREDITS � Merchants who honor Company�s card and give Company 
     shall have the right to withhold any further advances of revolving credit to  credit for returns or adjustments  will provide Credit Union with a credit 
     an  account,  which  exceeds  the  Aggregate Limit,  and  to  withhold   any  which Credit Union will post to Company�s Account. If Company�s credits 
     further advances of revolving credit to the account.  and payments exceed what Company owes to Credit Union, Credit Union 
     5. USING THE CARD � To make a purchase or cash advance, present the  will apply this credit balance against future purchases and cash advances, 
     card  to a  participating  Visa plan  merchant,  to the Credit  Union,  or to  or refund it upon Company�s written request if it is $1 or more. Any credit 
     another financial institution and sign the sales or cash advance draft which  balance not cleared within 30 days will be transferred to Company�s Share 
     will be imprinted with the Company�s card. Company or its Designated  Savings Account. 
     Personnel will receive a copy of the draft or receipt which Company should  13.  BUSINESS CARD OWNERSHIP - All Business Cards shall remain the 
     retain to verify Company�s monthly statement. Credit Union reserves the  property of Credit Union and are not assignable or transferable and may be 
     right to make a reasonable charge for photocopies of drafts Company may  canceled by Credit Union at any time for any reason, without notice, except 
     request, as disclosed in the Fee  Schedule.  Company may also make  as  required  by  law.  Such  cancellation  shall  in  no  way  impair  existing 
     advances at any SAFE ATM, Network ATM, or ATMs displaying the Visa  obligations to  Credit  Union.  Any  and  all  cards  must  be  surrendered to 
     logo. Company agrees to ensure that the Business Cards are only used for  Credit Union upon request. 
     transactions that are legal where they are conducted. Credit Union will not 
     be liable for any illegal gambling. Company shall not and shall ensure that 
     Designated Personnel do  not  use  the  Business Card  for  any  gambling 
     either through the World Wide Web or otherwise. 
      
      
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      S-724V  03/20/2017 
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      14.  DEFAULT - If Company fails to comply with any term or condition of  24.  PURCHASING - Company agrees that the Business Cards issued 
      the Agreement or fails to make any payment when said payment is due, or  hereunder will be used only for the purchase of goods and services on 
      if Company becomes a subject of bankruptcy or insolvency proceedings,  Company�s behalf and in accordance with Company�s policies. Company 
      or if it is discovered that any representation made to induce Credit Union to  agrees to instruct the Business Card holders, in writing, on Company�s 
      extend credit hereunder was untrue, the Credit Union may accelerate the  policies  concerning  the  use  of  the  Business  Card,  including  that  the 
      loan and declare the full amount owed by Company, at Credit Union�s  Business Card may only be used in accordance with Company�s policies 
      option and after notice, if any, required by law, to be all immediately due  and in strict conformity with the terms and conditions of this Agreement. 
      and payable. In the unexpected and unlikely event that the amount of  Company agrees to resolve any disputes with the Business Card holders 
      revolving credit owing on all of the accounts ever exceeds the Aggregate  or concerning the goods and services purchased directly with the Business 
      Limit, the excess amount shall after notice, if any, required by law, become  Card holders or the seller of the goods and services. Credit Union is not 
      immediately due and payable. Company shall pay all costs arising from  responsible for the refusal of any merchant or other person to recognize or 
      any  collections  of  accounts  including,  without  limitation,  reasonable  honor the Business Card(s). 
      attorney�s fees and disbursements. If Company defaults, Credit Union may  25.  BUSINESS  CARD  HOLDER  -  Company  will  notify  Credit  Union 
      close Company�s account, without notice, and Company must immediately  immediately, in writing, if Company revokes a Business Card holder�s right 
      pay  the  unpaid  balance.  An  interest  rate  adjustment  will  occur  when  to use the Business Card or if the Company authorizes another individual 
      Company�s account is 60 days or more past due. If Company�s account is  to  use  a  Business  Card.  The  Company  shall  provide  the  following 
      60 days past due, the interest rate for existing and new balances will be  information  to  Credit  Union  concerning each  and  every  Business  Card 
      increased  to  a  rate  of  21.90%  ANNUAL  PERCENTAGE  RATE.  This  holder: Name and title. 
      interest  rate  increase  will  be  effective beginning after  45-day  notice is  26.  APPLICATION  OF  PAYMENTS  �  Subject  to  applicable  law, 
      provided  to  Company.  The  interest  rate  adjustment  will  terminate  if  Company�s payments may be applied to what you owe Credit Union in any 
      Company  makes  the  required  minimum  payments  for  six  consecutive  manner Credit Union chooses. 
      months.                              27.  CREDIT  INFORMATION  �  Company  authorizes  Credit  Union  to 
      15. CANCELLATION - Company shall have sole responsibility for notifying  investigate  Company�s  credit  standing  when  opening,  renewing,  or 
      Credit  Union  of  any  cancellation  of  charging  privileges  of  Designated  reviewing Company�s Account, and Company authorizes Credit Union to 
      Personnel. Unless the Business Card has been lost or stolen, Company  disclose information regarding Company�s Account to credit bureaus and 
      shall destroy the card or return it to the Credit Union as soon as possible  other creditors who inquire about Company�s credit standing to the extend 
      after cancellation. Company shall be responsible for any and all charges  authorized  in Credit  Union�s  bylaws.  As required  by  law, Company   is 
      made  after  notification  of  cancellation  by  Company  or  Designated  hereby notified that a negative credit report reflecting on Company�s credit 
      Personnel to Credit Union.           record may be submitted to a credit reporting agency if Company fails to 
      16.  APPLICABLE  LAW  -  This  agreement  and  all  activities  arising  fulfill the terms of Company�s credit obligations. 
      therefrom shall be governed and construed in accordance with the laws of  28.  MISCELLANEOUS  -  This  Agreement  constitutes  the  entire 
      the state of California, except to the extent preempted by federal law. The  understanding between the parties pertaining to the subject matter hereof. 
      invalidity of any provisions of this Agreement shall not impair the validity of  Any  representation,  promise,  modification  or  amendment  shall  not  be 
      any other provisions. This Agreement shall be binding upon Company�s  binding upon either party unless reduced to writing and signed by both 
      representatives, successors and assignees.  parties. This agreement may not be assignable by Company. If any action 
      17.  TERMINATION - This Agreement shall be in effect as of the date  at law or in equity, including an action for declaratory relief, is brought to 
      hereof and shall remain in full force and effect unless terminated by either  enforce or interpret the provisions of this agreement, the prevailing party 
      party upon 90 days prior written notice or as provided herein. Company�s  will  be  entitled  to  reasonable  attorneys�  fees,  costs  and  expenses,  in 
      termination of this agreement shall only be effective upon proper notice,  addition to any other relief to which the party may be entitled. 
      and return of all Business Cards and payment of all outstanding  fees,  29.  FINANCIALS  -  Company  shall  furnish  to  Credit  Union  (a)  upon 
      charges, interest and principal balance. Credit Union shall have the right to  execution  of this  Agreement,  Company�s  most  recent  audited  financial 
      terminate this Agreement, effective immediately, upon any material breach  statement  prepared  in  accordance  with  generally  accepted  accounting 
      or violation of any obligation contained in this Agreement by Company.  principles,  as  well  as  Company�s  most  recent   unaudited   financial 
      18.  BUSINESS PURPOSES ONLY - No charges or cash advances may  statement and balance sheet; (b) as soon as available and in any event 
      be  incurred  for  personal,  family  household  or  agricultural  purposes.  within 90 days after the end of each fiscal year of Company, an updated 
      Company shall so advise all Designated Personnel.  audited  financial  statement  prepared  in  accordance  with   generally 
      19. ASSIGNMENT - Company may not assign this Agreement without the  accepted accounting principles; and (c) such other financial information as 
      prior written consent of Credit Union.  Company may reasonably request from time to time. 
      20.  INDEMNIFICATION  -  Company  agrees  to  indemnify  and  hold  30.  PLATINUM  REWARDS  SCORECARD  POINTS  -  Company  will 
      harmless the Credit Union from any claims, liabilities, losses or damages  receive a statement  quarterly identifying the number of available bonus 
      (including, without limitation, reasonable attorneys� fees) asserted against  points  earned.  Bonus  points  expire  in  36  months.  Point  requirements 
      Credit Union and based upon or arising out of the  Company�s or  the  assigned to any Award are subject to change from time to time without 
      persons to whom the Company provides the Business Card, negligence or  notice, and Awards may be substituted at any time. Refer to ScoreCard 
      wrongful  performance  of,  any  of  the  obligations  or  duties  under  this  Catalog for complete ScoreCard Bonus Point Program Rules, or visit the 
      Agreement.                           ScoreCard  website  at  www.scorecardrewards.com.   For  Bonus  Point 
      21.  FOREIGN CURRENCY - When Company or Designated Personnel  questions, contact the ScoreCard Service Center at (800) 854-0790. 
      uses the Business Card for a transaction denominated in a currency other  31.  EFFECT OF AGREEMENT � This agreement is the contract which 
      than  U.S.  dollars,  the  transaction  amount  will  be  converted  into  U.S.  applies  to  all  transactions  on  your  Account  event  though  sales,  cash 
      Dollars by applying an exchange rate selected by VISA from among the  advances, or credit slips may contain different terms. We may amend this 
      range  of  rates  available  in  wholesale  currency  markets  or  the  Agreement from time to time by sending you the advance written notice 
      government-mandated rate on the date the transaction is processed. The  required by law. To the extent permitted by law, and as indicated in our 
      rate  chosen  may  vary  from  the  rate  VISA  itself  receives  plus  any  notice, amendments will apply to your existing Account balance as well as 
      adjustment that the issuer determines.  future transactions. We reserve the right to, on an annual basis, review 
      22.  FOREIGN TRANSACTION FEE - A fee of up to 1 percent of the  your credit and either increase or decrease your APR based on your credit 
      transaction amount is charged for transactions conducted outside of the  history. You will receive notice of any increase or decrease at least 15 
      United States.                       days prior to the effective date of the change. 
      23.  PLAN MERCHANT DISPUTES � Credit Union is not responsible for  32. WE MAY CONTACT YOU - SERVICING AND COLLECTIONS  If we 
      the refusal of any plan merchant or financial institution to honor Company�s  need to contact you to service your account or to collect an amount you 
      card.  Credit  Union  is  subject  to  claims  and  defenses  (other  than  tort  owe,  you  authorized  us  (and  our  affiliates,  agents  and  contractors)  to 
      claims) arising out of goods or services Company purchase with the card  contact you at any number you provide, from which you call us, or at which 
      only if Company has made good faith attempt, but have been unable to  we believe we can reach you. We may contact you in any way, such as 
      obtain satisfaction from the plan merchant, and: (a) Company purchase  calling  or  texting.  We  may  contact  you  using  an  automated  dialer  or 
      was  made  in  response  to  an  advertisement  Credit  Union  sent  or  prerecorded messages. We may contact  you on a mobile, wireless,  or 
      participated in sending Company ; or (b) Company purchase cost more  similar device, even if you are charged for it. CALL MONITORING From 
      than $50 and was made from a plan merchant in Company�s state or within  time to time we may monitor and/or record calls between you and us to 
      100 miles of Company�s home. Company must resolve any other disputes  assure the quality of our customer service, or as required by applicable 
      directly with the plan merchant.     law. 
      
                                                                                  
      
      
      
      
      
      
      
      
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     NOTIFICATION IN CASE OF ERRORS OR QUESTIONS ABOUT MY STATEMENT (�my�, �I� refer to the Company and �you� refers to the Credit 
      Union) If I think my statement is wrong, or if I need more information about a transaction on my statement, I will write to you on a separate sheet at the 
     address listed on my statement. I will write to you as soon as possible. You must hear from me no later than 60 days after you sent me the first 
      statement on which the error or problem appeared. I can telephone you, but doing so will not preserve my rights. 
        In my letter, I will give you the following information: 
          *My name and account number. 
          *The dollar amount of the suspected error. 
          *Describe the error and explain, if I can, why I believe there is an error. If I need more information, I will describe the item I am not 
           sure about. 
        If I have authorized you to pay my credit card bill automatically from my savings or checking account, I can stop the payment on any amount I 
        think is wrong. To stop the payment, my letter must reach you three business days before the automatic payment is scheduled to occur. 
     My Rights and Your Responsibilities After You Receive My Written Notice 
      You must acknowledge my letter within 30 days, unless you have corrected the error by then. Within 90 days, you must either correct the error or 
      explain why you believe the statement was correct. After you receive my letter, you cannot try to collect any amount I question, or report me as 
      delinquent. You can continue to send statements to me for the amount I question, including finance charges, and you can apply any unpaid amount 
      against my credit limit. I do not have to pay any questioned amount while you are investigating, but I am still obligated to pay the parts of my statement 
      that are not in question. 
      
     If you find that you made a mistake on my statement, I will not have to pay any finance charges related to any questioned amount. If you didn't make a 
     mistake, I may have to pay finance charges, and I will have to make up any missed payments on the questioned amount. In either case, you will send 
     me a statement of the amount I owe you and the date that it is due. 
      
     If I fail to pay the amount that you think I owe, you may report me as delinquent. However, if your explanation does not satisfy me and I write to you 
     within ten days telling you that I still refuse to pay, you must tell anyone you report me to that I have a question about my statement. And, you must tell 
     me the name of anyone you reported me to. You must tell anyone you report me to that the matter has been settled between us when it finally is. 
     SPECIAL RULE FOR CREDIT CARD PURCHASES 
      If you have a problem with the quality of goods or services that you purchased with the credit card, and you have tried in good faith to correct the 
      problem with the merchant, you may not have to pay the remaining amount due on the good or services. There are two limitations to this right: 
        1.  You may have made the purchase in your home state or if not within your home state, within 100 miles of your current mailing address, 
        2.  The purchase price must have been more than $50.00 
     These limitations do not apply if the Credit Union owns or operates the merchant or if the Credit Union mailed you the advertisement for the goods. 
     Company acknowledges that it has reviewed and received the entire Business Credit Card Agreement and Disclosure and agrees to all the terms and 
     conditions contained therein. 
       I/we acknowledge that I/we have reviewed and received the entire Business Credit Card Agreement and Disclosure and agree to the 
       aforementioned terms and conditions. 
      
     Company                               Company 
     Signature:                            Signature:     
     Print Signer's Name:                  Print Signer's Name:    
     Title:                                Title:     
     Date:                                 Date:     
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
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     Individual Liability OF COOBLIGORS. Each person signing below agrees that, by signing this Business Credit Card Agreement, such person agrees 
     to be PERSONALLY, JOINTLY, SEPARATELY AND PRIMARILY liable, as a co-obligor with Company and all other signatories or authorized users, for 
     all amounts, at any time owed by Company hereunder, and for the performance of all other obligations of Company hereunder. Each person signing 
     below further acknowledges and agrees that such person's PERSONAL AND PRIMARY liability will remain in force even if such person ceases to be 
     employed by, to be owner of, or to otherwise be associated with, one or more of the other persons signing below or the Company. Each person�s 
     obligations hereunder will continue in full force until such time as Company has fully performed all obligations hereunder. The obligations of those 
      persons signing below will continue to be binding upon any extension, renewal, or modification. Each person also waives any and all rights or defenses 
     arising by reason of (a) any election of remedies by Credit Union which destroys or otherwise adversely affects rights to proceed against Company for 
     reimbursement; (b) any disability or other defense of Company of any other obligor, or of any other person, or by reason of the cessation of Company's 
     liability from any cause whatsoever, other than payment in full in legal tender; (c) any statute of limitations, if at any time any action or suit brought by 
     Credit Union against any person signed below is commenced there is outstanding indebtedness of Company which is not barred by any applicable 
     statute of limitations. If payment is made by Company, whether voluntarily or otherwise, or by any third party thereafter Credit Union is forced to remit 
     the amount of that payment to Company's trustee in bankruptcy or to any similar person under any federal or state bankruptcy law or law for the relief of 
     debtors, the Agreement shall be considered unpaid. 
      
     The undersigned further waives and agrees not to assert or claim at any time any deductions to the amount for any claim of set-off, counterclaim, 
      counter-demand, recoupment or similar right, whether such claim, demand or right may be asserted by the Company, undersigned or both. 
     Each person signing below pledges to the Credit Union shares (with the exception of any shares in an Individual Retirement Account) held, whether 
      singularly or jointly, in the undersigned names to secure the obligations contained herein. The undersigned authorize the Credit Union to apply the 
      balance in any individual joint share accounts to pay any amounts due hereunder. 
      Each person agrees to pay all costs of collecting the amount owed under this agreement, including court costs and reasonable attorney�s fees. 
      
      
     Company Name                   Tax ID #           Business Checking Acct #   
      
                                            
     Signature:                             Signature:    
     Print Signer's Name:                   Print Signer's Name:    
     Title:                                 Title:    
     Date:                                  Date:   
     Issue Card in Name? (Y/N)              Issue Card in Name? (Y/N)    
      
      Card Limit:                           Card Limit:    
      
      
     Signature:                             Signature:    
     Print Signer's Name:                   Print Signer's Name:    
     Title:                                 Title:    
     Date:                                  Date:   
     Issue Card in Name? (Y/N)              Issue Card in Name? (Y/N)    
      
      Card Limit:                           Card Limit:    
      
      
      
                I/we acknowledge that I/we have reviewed the above cardholder access and agree with granting cardholder 
                access up to the specified card limit for each individual as listed above. 
      
      
      
                         Signature:    
                         Print Signer's Name:    
                         Title:    
                         Date:   
      
      
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                                     VISA BUSINESS 
      
       Interest Rates and Interest Charges 
       
       Annual Percentage Rate  10.65%-16.65%This APR will vary with the market based on the Prime Rate. 
       (APR) for Purchases 
       
                        10.65%-16.65%This APR will vary with the market based on the Prime Rate. 
       APR for Balance Transfers 
                         
       APR for Cash Advances  10.65%-16.65%This APR will vary with the market based on the Prime Rate. 
                        21.90%.This APR may be applied to your account if you 1. Make a late payment. 2. 
       Penalty APR and  Make a payment that is returned. How Long will the Penalty APR Apply?: If your APRs 
       When it Applies  are increased for any of these reasons, the Penalty APR will apply until you make six 
                        consecutive minimum payments when due. 
                        Your due date is at least 25 days after the close of each billing cycle. We will not 
                        charge you any interest on purchases if you pay your entire balance by the due date 
       Paying Interest 
                        each month. 
       Minimum Interest Charge  None 
                        To learn more about factors to consider when applying for or using a credit card, visit 
       For Credit Card tips from 
                        the website of the Consumer Financial Protection Bureau at 
       the Consumer Financial 
                        www.consumerfinance.gov/learnmore. 
       Protection Bureau 
       Fees 
                         
       Annual Fee       None 
       Transaction Fees 
                         
       - Balance Transfer  None 
       - Cash Advance   None 
       - Foreign Transaction  Up to 1% of the transaction amount in U.S. Dollars 
                         
       Penalty Fees 
                         
       - Late Payment   $15 or minimum payment amount, whichever is less if payment not received within 15 
                        days of due date 
       
       - Returned Payment  Up to $10 
      
      How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Section 8. FINANCE 
      CHARGE on your account agreement for more details. 
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your agreement. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     S-724V   03/20/2017 
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