CREDIT LINE ACCOUNT AGREEMENT AND DISCLOSURE 
THIS  IS  YOUR  CREDIT  LINE  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN- 
LENDING  DISCLOSURE  STATEMENTS,  FIRST  TIME  USER  VISA,  LOW  RATE  VISA,  SHARE  SECURED  VISA, 
WSUAA  AFFINITY  VISA  AND  WSUAA  AFFINITY  REWARDS  VISA,  AGREEMENTS,  AND  ANY  SPECIAL 
INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR  FIRST  TIME  USER  VISA,  WSUAA  AFFINITY  VISA,  WSUAA 
AFFINITY  REWARDS  VISA,  LOW  RATE  VISA  AND  SHARE  SECURED  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 

First Time User VISA 17.99% 

Share Secured VISA 12.50% 

Low Rate VISA: 8.50-16.50% 

Your APR will vary with the market based on the Prime Rate. 

WSUAA Affinity VISA: 8.50-16.50% 

Your APR will vary with the market based on the Prime Rate. 

WSUAA Affinity Rewards VISA 8.50-16.50% 

Your APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate 
(APR) For Balance Transfers 

First Time User VISA: 17.99% 

Share Secured VISA:12.50% 

Low Rate VISA: 8.50%-16.50% 

Your APR will vary with the market based on the Prime Rate. 

WSUAA Affinity VISA: 8.50-16.50% 

Your APR will vary with the market based on the Prime Rate. 

WSUAA Affinity Rewards VISA: 11.50-18.00% 

Your APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate 
(APR) For Cash Advances 

First Time User VISA: 17.99% 

Share Secured VISA: 12.50% 

Low Rate VISA: 8.50-16.50% 

Your APR will vary with the market based on the Prime Rate. 

WSUAA Affinity VISA: 8.50-16.50% 

Your APR will vary with the market based on the Prime Rate. 

WSUAA Affinity Rewards VISA: 11.50-18.00% 

Your APR will vary with the market based on the Prime Rate. 

ReadyLine: max 17.90% 

Stretch Pay® Line of Credit: 25.00% 

Paying Interest 

For VISA 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. 

For all Feature Categories, We will begin charging interest on cash advances and balance 
transfers on the transaction date. 

For Credit Card Tips from 
the Federal Reserve Board 

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. 

SEE PAGE 2 for more important information about Your Account 

Copyright Oak Tree Business Systems, Inc., 2001-2018. All Rights Reserved. 

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Fees 

Annual Fee 

Transaction Fees 

  Foreign Transaction 

Penalty Fees 

  Returned Payment 
  Late Payment 

For StretchPay® Line of Credit, $25.00, $35.00 or $70.00 depending on Your approved 
credit limit. 

For VISA, 1.00% of each foreign currency transaction in U.S. Dollars. 
For VISA, 1.00% of each U.S. Dollar transaction that occurs in a foreign country. 

For VISA up to $25.00 
For VISA up to $20.00 
Except for VISA, 5.00% of the payment due 

How We Will Calculate Your Balance: For all Feature Categories (except VISA), We use a method called "daily balance." 
For VISA, We use a method called "average daily balance (including  new  purchases)." 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. 

SEE PAGE 1 for more important information about Your Account 

In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean WRIGHT-PATT CREDIT UNION, INC. 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 First Time User VISA, Low  Rate 
VISA, Share Secured  VISA, WSUAA Affinity  VISA or WSUAA  Affinity Rewards VISA,  Credit  Card  issued to You  by  Us  and  any  duplicates or renewals.  "Convenience 
Checks" mean the special Account access devices that We may provide for Your use from time to time. 

You, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute 
Our Agreement with You. Your Account may be accessible through a variety of means which could include advance request forms, vouchers, checks, charge slips, Convenience 
Checks, Credit Cards and the like. Regardless of the access means, 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. 

FEATURE CATEGORIES. Your Account has Feature Categories which may include ReadyLine (including Overdraft Protection), StretchPay® Line of Credit, First Time 
User VISA, Low Rate VISA, Share Secured VISA, WSUAA Affinity VISA and WSUAA Affinity Rewards VISA. 

ADVANCES. Whenever You request a transaction, We may require You to prove 
Your identity. If You request an advance by telephone, We will deposit the amount 
requested in Your share account or Your share draft account and You authorize Us 
to do this, or We may draw a draft or check made payable to You and mail it to You. 
When  the  amount  advanced  appears  on  a  subsequent  statement,  that  will  be 
conclusive evidence of Your telephone request. You understand that whether or not 
any specific secured advance request is approved may be determined by how much 
equity You have or will have in the shares and/or collateral offered as security. 

For advances under Your StretchPay® Line of Credit Feature Category, all 
advances must be equal to Your approved Credit Limit. 

SECURITY. As permitted by law, to secure all transactions under this Agreement in 
either  joint  or  individual  Accounts,  We  have  the  right  to  impress  and  enforce  a 
statutory  lien  against  Your  shares  on  deposit  with  Us  (other  than  those  deposits 
established  under  a  governmental  approved  tax  deferral  plan  such  as  an  IRA  or 
Keogh account), and any dividends due or to become due to You from Us to the 
extent that You owe on any unpaid balance on Your Account and We may enforce 
Our right to do so without further notice to You. Additionally, You agree that We may 
set-off any mutual indebtedness. 

You  acknowledge that  You  own  any  shares  and/or  collateral  pledged  as  security 
and that there are no other liens against them other than Ours. You agree to perform 
all  acts  which  are  necessary  to  make  Our  security  interest  in  the  shares  and/or 
collateral being pledged enforceable. 

All  certificates  which  are  pledged  as  Collateral  must  be  renewed  until  Your 
outstanding  balance  is  paid  in  full. Failure to  renew  any  certificates securing  any 
advance  will  cause  Your  entire  outstanding  Account  balance  to  become 
immediately due and payable. 

LIEN ON SHARES. If You have been issued a Credit Card, You grant and 
consent to a lien on Your shares with Us (except for IRA, Keogh and Health 
Savings 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  Share  Secured 
VISA Feature Category, You agree to give Us a specific pledge of shares which will 
equal Your  Credit  Limit. In the  event that  You  default  on Your  Account, We may 
apply  these  shares  toward  the  repayment  of  any  amount  owed  on  Your  Share 
Secured VISA Category. You may cancel Your Share Secured VISA Account at any 
time by paying any amounts owed on Your Secured VISA Feature Category. 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. 

In order to receive and maintain a StretchPay® Line of Credit Feature Category, You 
agree to give Us a specific pledge of shares at the time of Your initial advance on 
Your StretchPay® Line of Credit, which will equal 10.00% of Your Credit Limit. The 
funds  required  for  this  pledge  will  be  deducted  from  the  amount  advanced  and 
deposited  into  Your  share  account.  In  the  event  that  You  default  on  Your 
StretchPay® Line of Credit Feature Category, We may apply these shares toward 
the  repayment  of  any  amount  owed  on  such  Feature  Category.  The  shares 
originally  pledged  will  be  released  upon  Our  termination  and  closure  of  such 
Feature Category although they may not be available to You for 30 days after any 
outstanding balance is paid in full. 

LINE  OF  CREDIT  LIMITS.  You  will be  notified of  each specific Credit Limit for  each 
Feature Category 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. 

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. 

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. 

Copyright Oak Tree Business Systems, Inc., 2001-2018. All Rights Reserved. 

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JOINT  ACCOUNTS.  Each Borrower  will  be  responsible, jointly  and severally,  for 
the  repayment  of  any  amounts  owed.  If  any  Account  access  device,  such  as  a 
Personal Identification Number (PIN) is requested and approved, You understand 
that any such Account access device(s) will be mailed only to the 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. 

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.  For  all  Feature  Categories  (except  VISA),  payments  will  be 
applied first to any Late Charges owing, then to the Finance Charge due, then to 
the outstanding principal balance. Except as required by law, the order in which We 
may apply VISA payments is at Our discretion. Any unpaid portion of the Finance 
Charge will be paid by subsequent payments and will not be added to Your principal 
balance. You understand that any delay in the repayment of Your unpaid balance 
will increase Your periodic Finance Charges and any acceleration in the repayment 
of Your unpaid balance will decrease Your periodic Finance Charges. 

ReadyLine  Minimum  Payments  will  be  an  amount  equal  to  3.00%  of  Your  new 
unpaid ReadyLine balance at the end of each billing cycle, subject to the lesser of 
$20.00 or Your balance, plus any portion of the Minimum Payments shown on prior 
statement(s) which remains unpaid, plus any amount that exceeds Your approved 
Credit Limit. 

StretchPay® Line of Credit Minimum Payments will be disclosed to You at the time 
of each advance on a separate page titled "Credit Line Account Advance Request 
and Security Agreement." 

VISA Minimum Payments  will  be  an  amount  equal to  2.00%  of  Your  new  unpaid 
balance  at  the  end  of  each  billing  cycle,  subject  to  the  lesser  of  $20.00  or  Your 
balance, plus any portion of the Minimum Payments shown on prior statement(s) 
which remains unpaid, plus any amount that exceeds Your approved Credit Limit. 

You may, by separate agreement, authorize Us to charge Your payment directly to 
Your share or share draft account. 

LATE CHARGE (EXCEPT FOR VISA). If Your payment is 10 or more days late, 
You will be charged 5.00% of the payment due. 

OTHER FEES AND CHARGES (EXCEPT FOR VISA). For all Feature Categories 
(except VISA), You will be charged a $75.00 FINANCE CHARGE each time You 
request  and  We  agree  to  lower  the  periodic  rate  and  corresponding  Annual 
Percentage Rate applicable to such Feature Category. 

STRETCHPAY® LINE OF CREDIT ANNUAL MEMBERSHIP FEE. StretchPay® 
Line  of  Credit  Accountholders  with  approved  Credit  Limits  of  $150.00  will  be 
charged  a  $25.00  Annual  Membership  Fee  for  continued  participation  in  the 
StretchPay®  Line  of  Credit  program.  StretchPay®  Line  of  Credit  Accountholders 
with  approved  Credit  Limits  of  $250.00  will  be  charged  a  $35.00  Annual 
Membership  Fee  for  continued  participation  in  the  StretchPay®  Line  of  Credit 
program.  StretchPay® Line  of  Credit  Accountholders  with  approved  Credit  Limits 
of  $500.00  will  be  charged  a  $70.00  Annual  Membership  Fee  for  continued 
participation in the StretchPay® Line of Credit program. This fee is required each 
year  to  continue  credit  availability  whether  or  not  You  use  Your  Account 
throughout the year. 

FINANCE  CHARGES (EXCEPT  FOR  VISA).  A Finance Charge will be assessed 
on  any  unpaid  principal  balance  for  each  Feature  Category  of  Your  Account  for 
the  period  such  balance  is  outstanding.  Balances  change  each    time  advances  
are made, payments are made or credits given under any Feature Category. The 
Finance  Charge  begins  to  accrue  on  the  date  of  each  advance  and  there  is  no 
grace period. 

VISA  FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  VISA 
Feature  Categories,  the  balances  subject    to  the  periodic  Finance    Charge    are  
the  average  daily  transactions  balances  outstanding    during    the    month  
(including new transactions). 

To get the average daily balance during the first billing cycle, We take the beginning 
balance  of  Your  Account  each  day,  add  any  new  purchases,  cash  advances, 
insurance  premiums,  debit  adjustments  or  other  charges  and  subtract  any 
payments,  credits  and unpaid  Finance  Charges.  This gives  Us the daily  balance. 
Then, We add up all the daily balances for the billing cycle and divide them by thirty 
days (regardless of the actual number of days during the first billing cycle). 

To get the average daily balance during the second and subsequent billing cycles, 
We take the beginning balance of Your Account each day, add any new purchases, 
cash  advances,  insurance  premiums,  debit  adjustments  or  other  charges  and 
subtract any payments, credits and unpaid Finance Charges. This gives Us the daily 
balance. Then, We add up all the daily balances for the billing cycle and divide them 
by the actual number of days in the billing cycle. 

The Finance Charge for a billing cycle is computed by multiplying the average daily 
balance subject to a Finance Charge by the Monthly Periodic Rate. 

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 cash advance is posted to Your Account. 

VISA VARIABLE RATE. For Low Rate VISA, WSUAA Affinity VISA and WSUAA 
Affinity  Rewards  VISA  feature  categories,  all  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 last day of each calendar quarter 
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 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.  Other  than  the  maximum  and  minimum  Interest  Rates  that 
can apply at any time, Your Interest Rate will never increase or decrease by more 
than 1.00 percentage point on any change date. Your Interest Rate will never be 
greater than 25.00%, and will apply to Your remaining principal balance. 

For  the  applicable  Index,  Margin,  Daily  or  Monthly  Periodic  Rates  and 
corresponding  Annual  Percentage  Rates  for all  Feature  Categories, refer  to 
the separate page titled Additional Disclosure - Federal Truth In-Lending Act" 
and/or  "Credit  Line  Account  Advance  Request  And  Security  Agreement" 
which We have included with and made a part of this Agreement. 

OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or 
in  such  increments  as We  may  from  time  to  time  determine)  to  Your  share  draft 
Account by an advance on ReadyLine Feature Category, subject to this provision, 
to clear any overdraft on Your share draft account. Whether or not such transfers 
occur will be controlled by this Agreement. In any event, You hold Us harmless for 
any  and  all  liability  which  might  otherwise  arise  if  the  transfer  does  not  occur. 
Overdraft  protection  automatically  ceases  if  this  Agreement  is  ever  cancelled  or 
terminated or Your Account is in default. 

PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement 
showing  all  transactions  on  Your  Account  including  amounts  paid  and  borrowed 
since Your last statement. We will mail You a statement each month in which there 
is  a  debit or credit  balance  or  when  a  Finance  Charge  is  imposed. We need not 
send You a statement if We feel Your Account is uncollectible or if We have started 
collection  proceedings  against  You  because  You  defaulted.  Each  statement  is 
deemed to  be  a correct statement  of  account  unless  You  establish  a  billing  error 
pursuant to the Federal Truth-In-Lending Act. 

HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT FOR VISA). For all 
Feature  Categories  (except  for  VISA),  the  Finance  Charge  is  determined  by 
multiplying Your unpaid balance at the close of each day in the billing cycle being 
accounted  for  by  the  applicable  Daily  Periodic  Rate.  The  unpaid  balance  is  the 
balance  each  day  after  payments,  credits,  and  unpaid  Finance  Charges  to  that 
balance have been subtracted and any new advances, insurance premiums or other 
charges have been added to Your unpaid balance. These daily Finance Charges 
are then added together and the sum is the amount of the Finance Charge owed 
for the Feature Category being accounted for. The total Finance Charge You owe 
on Your Account for each billing cycle is the sum of all the Finance Charges due for 
all applicable Feature Categories. 

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; (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 

Copyright Oak Tree Business Systems, Inc., 2001-2018. All Rights Reserved. 

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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 every Feature Category of Your Account immediately 
due and payable, without prior notice or demand. 

COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
payment on this Account, to the extent permitted by law, You agree to pay all court 
costs,  private  process  server  fees,  investigation  fees  or  other  costs  incurred  in 
collection  and  reasonable  attorneys'  fees  incurred  in the course  of collecting any 
amounts owed under this Agreement or in the recovery of any collateral. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
We delay enforcing them. We can accept late payments, partial payments or any 
other payments, even if they are marked "paid in full" without losing any of Our rights 
under  this  Agreement.  If  any  provision  of  this  or  any  related  agreement  is 
determined to be unenforceable or invalid, all other provisions remain in full force 
and effect. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
or otherwise have a change of address. 

CHANGE  IN  TERMS. We may change the terms of this Agreement by mailing or 
delivering to You written notice of the changes as prescribed by the Federal Truth- 
In-Lending Act. To the extent permitted by law, the right to change the terms of this 
Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the  periodic  rate 
applicable to Your unpaid balance and/or future advances. 

CREDIT INSURANCE. Credit insurance is not required for any extension of credit 
under this Agreement. However, You may purchase any credit insurance available 
through Us and have the premiums added to Your outstanding balance. If You elect 
to do so, You will be given the necessary disclosures and documents separately. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
Disclosure -  Federal  Truth-In-Lending  Act,"  "Additional  Disclosure" and/or  "Credit 
Line  Account  Advance  Request  and  Security  Agreement"  which  is  delivered 
together with this Agreement or at a later date becomes an integrated part of this 
Agreement and Disclosure. 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement.  By signing the  application;  or  by  using  Your Account or any  Account 
access device;  or by authorizing another to  use Your  Account,  You agree to  and 
accept its terms. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide 
facts to update information contained in Your original Account application or other 
financial information related to You, at Our request. You also agree that We may, 
from  time  to  time,  as  We  deem  necessary,  make  inquiries  pertaining  to  Your 
employment,  credit  standing  and  financial  responsibility  in  accordance  with 
applicable  laws  and  regulations.  You  further  agree that We may  give  information 
about the status and payment history of Your Account to consumer credit reporting 
agencies, a prospective employer or insurer, or a state or federal licensing agency 
having any apparent legitimate business need for such information. 

TERMINATION.  Either  You  or  We  may  cancel  Your  Account  or  any  particular 
Feature Category of Your Account, at any time, whether or not You are in default. 
You  will,  in  any  case,  remain  liable to  pay  any unpaid  balances according  to the 
terms of Your Account. 

GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
State of Ohio except to the extent that such laws are inconsistent with controlling 
federal law. 

SPECIFIC TERMS APPLICABLE TO YOUR 
FIRST TIME USER VISA, LOW RATE VISA, SHARE SECURED 
VISA, WSUAA AFFINITY VISA AND WSUAA AFFINITY 
REWARDS VISA CREDIT CARDS 

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. 

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
slips You may sign or receive when using Your Card contain terms, this Agreement 
is the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
You will not be liable for the unauthorized use that occurs after You notify Us of the 
loss,  theft,  or  possible  unauthorized  use  by  calling  Us  at  the  telephone  number 
shown in this Agreement or by writing to Us at the address shown in this Agreement. 
In any case, Your liability will not exceed $50.00. 

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not 
liable for the refusal or  inability  of  merchants,  financial institutions  and  others 
to  accept the  Cards or  Convenience    Checks, or   electronic   terminals  to    honor 
the  Cards  or  complete  a  Card  withdrawal,  or  for  their  retention  of  the  Cards  or 
Convenience Checks. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries  and 
foreign  currencies,  the  exchange  rate  between  the  transaction  currency  and  the 
billing currency (U.S. Dollars) will be: (a) a rate selected by VISA 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. 

LATE CHARGE. If Your payment is five or more days late, You will be charged the 
lesser of: (a) the amount of the minimum payment due; or (b) $20.00. 

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. 

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
or Convenience Checks, You will immediately call Us at 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 Our address shown 
in this Agreement. 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 three 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. 

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 

What Will Happen After We Receive Your Letter 

When We receive Your letter, We must do two things: 

Copyright Oak Tree Business Systems, Inc., 2001-2018. All Rights Reserved. 

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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. 

2)  Within 90 days of receiving Your letter, We must either correct the error or 

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 $50.00 
of the amount You question even if Your bill is correct. 

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. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

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 $50.00. (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. 

If You receive Our explanation but still believe Your bill is wrong, You must write to 
Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot 
report You as delinquent without also reporting that You are questioning Your bill. 
We must tell You the name of anyone to whom We reported You as delinquent, and 

While We investigate, the same rules apply to the disputed amount as discussed 
above.  After  We  finish  Our  investigation,  We  will  tell  You  Our  decision.  At  that 
point, if We think You owe  an amount  and You do not pay, We may report You  
as delinquent. 

Copyright Oak Tree Business Systems, Inc., 2001-2018. All Rights Reserved. 

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