P.O. Box 286, Fairborn, Ohio 45324
Local (937) 912-7000 Wats: (800) 762-0047
TDD (937) 912-7001

Additional Disclosure
Federal Truth-In-Lending Act

INSTRUCTIONS

This supplement is incorporated into and becomes a
part of and should be attached to Your Credit Line
Account Agreement and Disclosure.

EFFECTIVE DATE

The applicable Index, Margin, Daily or Monthly Periodic Rate
and corresponding ANNUAL PERCENTAGE RATE for each
Feature Category are shown below.
REPLACES ALL PRIOR ADDENDUMS

Account
Feature Categories

Signature

ReadyLine

Variable Rate

Index

Margin

Current Daily
Periodic Rate

Current Monthly
Periodic Rate

Current ANNUAL
PERCENTAGE RATE

____________

____________

____________%

____________

____________

____________%

____________%

____________%

____________%

Stretch Pay Line of Credit

____________

____________

____________%

First Time User/Student VISA

____________

____________

____________%

____________%

VISA Platinum

Low Rate VISA

____________

____________

____________%

____________%

____________

____________

____________%

____________%

Share Secured VISA

____________

____________

____________%

____________%

First Time User/Student MasterCard

____________

____________

____________%

____________%

MasterCard Platinum

____________

____________

____________%

____________%

Low Rate MasterCard

____________

____________

____________%

____________%

Share Secured MasterCard

____________

____________

____________%

____________%

Share Secured-Standard

____________

____________

____________%

Share Secured Certificate

New Vehicle

Used Vehicle

Older Vehicle

New Motorcycle

Used Motorcycle

Older Motorcycle

____________

____________

____________%

____________

____________

___________%

____________

____________

___________%

____________

____________

___________%

____________

____________

___________%

____________

____________

___________%

New Recreational Vehicle

____________

____________

___________%

Used Recreational Vehicle

____________

____________

___________%

Older Recreational Vehicle

____________

____________

___________%

New Watercraft

Used Watercraft

Older Watercraft

New Mobile Home

Used Mobile Home

Older Mobile Home

Non-Titled Vehicles

____________

____________

___________%

____________

____________

___________%

____________

____________

___________%

____________

____________

___________%

____________

____________

___________%

____________

____________

___________%

____________

____________

___________%

____________%

____________%

____________%

____________%

____________%

____________%

____________%

____________%

____________%

____________%

____________%

____________%

____________%

____________%

____________%

____________%

____________%

____________%

Discounted Rate.Your rate has been discounted by ______________% percentage points because You have elected to have Your payments made via
Automatic Payment and/or You have enrolled in Direct Deposit. If the Automatic Payment and/or Direct Deposit of Your payments is ever cancelled for any
reason, Your rate will immediately increase by the amount of any such discount and will apply to Your balance existing at that time and in the future.
Copyright Oak Tree Business Systems, Inc., 2002-2009. All Rights Reserved.
OTBS 016A WRIT (8/09)