P.O. Box 286, Fairborn, Ohio 45324           Additional Disclosure
    Local (937) 912-7000 Wats: (800) 762-0047
                                             Federal Truth-In-Lending Act
    TDD (937) 912-7001
   INSTRUCTIONS        This supplement is incorporated into and becomes a The applicable Index, Margin, Daily or Monthly Periodic Rate
                       part of and should be attached to Your Credit Line and corresponding ANNUAL PERCENTAGE RATE for each
                       Account Agreement and Disclosure. Feature Category are shown below.
                        EFFECTIVE DATE             REPLACES ALL PRIOR ADDENDUMS
                             Variable Rate
    Account                                  Current Daily Current Monthly Current ANNUAL
    Feature Categories     Index    Margin   Periodic Rate Periodic Rate PERCENTAGE RATE
    Signature           ____________ ____________ ____________%       ____________%
    ReadyLine           ____________ ____________ ____________%       ____________%
    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)