CREDIT CARD AGREEMENT
                        KEMBA CREDIT UNION, INC.
                                       AND FEDERAL DISCLOSURE STATEMENT
                        P. O. BOX 14090
                                      THIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES NECESSARY FEDERAL
                        CINCINNATI, OH 45250 TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA, SHARE SECURED VISA, VISA GOLD,
                        (800) 825-3622 VISA PLATINUM, GCFCU VISA, MASTERCARD AND SHARE SECURED MASTERCARD
                        FAX (513) 762-1619 AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA,
                        (513) 762-5070 SHARE SECURED VISA, VISA GOLD, VISA PLATINUM, GCFCU VISA, MASTERCARD AND
                                      SHARE SECURED MASTERCARD CREDIT CARDS AND/OR 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 Interest Rate and Interest Charges
    Annual Percentage Rate (APR)
                          VISA:_______%
    For Purchases
                            This APR will vary with the market based on the Prime Rate.
                          VISA Gold:_______%
                            This APR will vary with the market based on the Prime Rate.
                          Share Secured VISA:_______% VISA Platinum: _______%
                          GCFCU VISA:_______%      MasterCard:_______%
                          Share Secured MasterCard:_______%
    Annual Percentage Rate (APR) VISA: _______%
    For Balance Transfers
                            This APR will vary with the market based on the Prime Rate.
                          VISA Gold: _______%
                            This APR will vary with the market based on the Prime Rate.
                          Share Secured VISA: _______% VISA Platinum: _______%
                          GCFCU VISA: _______%     MasterCard: _______%
                          Share Secured MasterCard: _______%
    Annual Percentage Rate (APR) VISA: _______%
    For Cash Advances       This APR will vary with the market based on the Prime Rate.
                          VISA Gold: _______%
                            This APR will vary with the market based on the Prime Rate.
                          Share Secured VISA: _______% VISA Platinum: _______%
                          GCFCU VISA: _______%   MasterCard: _______%
                          Share Secured MasterCard: _______%
    Paying Interest       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. We will begin charging interest on
                          cash advances and balance transfers on the transaction date.
                    SEE TOP OF PAGE 2 for more important information about Your Account
    Copyright Oak Tree Business Systems, Inc., 2013. All Rights Reserved. Page 1 of 5 OTBS 016CC FRB_Web KEMB (9/13)
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     Interest Rate and Interest Charges (continued)
    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
                           http://www.consumerfinance.gov/learnmore.
    Protection Bureau
    Fees
    Annual Fee            For MasterCard, Share Secured MasterCard and Share Secured VISA, $25.00
    Transaction Fees
     . Foreign Transaction 1.00% of each transaction in U.S. dollars.
     . Balance Transfer   2.00% of each transfer ($2.00 minimum - $50.00 maximum).
     . Cash Advance       2.00% of each advance ($2.00 minimum - $50.00 maximum).
    Penalty Fees
     . Returned Payment   Up to $25.00
     . Late Payment       Up to $25.00 55 days after Your statement closing date
    How We Will Calculate Your Balance: 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
    Copyright Oak Tree Business Systems, Inc., 2013. All Rights Reserved. Page 2 of 5 OTBS 016CC FRB_Web KEMB (9/13)
                                                                             Rev. (9/13)
     In this Agreement, the reference to "We", "Us", "Our" and "Credit Union" mean KEMBA 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 VISA, Share Secured VISA, VISA Gold,
     Visa Platinum, GCFCU VISA, MasterCard and/or Share Secured MasterCard Credit Card issued to You by Us and any duplicates or renewals We may issue.
     "Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time.
                           Current                      Current        Current
        Type of Credit Card Variable Rate Margin       Daily Periodic Annual Percentage
                          Index Value                    Rate          Rate
                         __________%   __________%    __________%   __________%
     VISA
                         __________%   __________%    __________%   __________%
     VISA Gold
                                                      __________%   __________%
     Share Secured VISA
                                                      __________%   __________%
     VISA Platinum
                                                      __________%   __________%
     GCFCU VISA
                                                      __________%   __________%
     MasterCard
                                                      __________%   __________%
     Share Secured MasterCard
     You understand the following terms constitute the Agreement: 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
     PROMISE TO PAY. Your Account may be accessible through a variety of advances and balance transfers are always subject to a Finance Charge from the
     means which could include advance request forms, vouchers, checks, charge date they are posted to Your Account.
     slips, Credit Cards, Convenience Checks and the like. Regardless of the access
     means, You promise to pay Us all amounts charged to Your Account by You or VISA AND VISA GOLD VARIABLE INTEREST RATE. All VISA and VISA Gold
     by any user who has access to Your Account, with actual, apparent or implied transactions are subject to a Variable Rate which is based on the most recent
     authority for use of Your Account, including Finance Charges and other fees or Prime Rate available as published in the Money Rates Section of The Wall Street
     charges described herein.               Journal and will be the most recent rate available on the last day of each calendar
                                             quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals
     JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the Interest Rate. Changes in the Index will cause changes in the Interest Rate on
     the repayment of amounts owed. You understand that any Card which is the first day of the first statement cycle following the end of each calendar quarter
     requested and approved, will be mailed only to the primary Borrower at the of each year. Increases or decreases in the Interest Rate will cause like increases
     address that We have on file for You. We may refuse to follow any instructions or decreases in the Finance Charge and will affect the number of Your scheduled
     which run counter to this provision.    payments. Your Interest Rate will never be greater than 18.00%.
     OWNERSHIP. All access devices remain Our property and may be cancelled by MINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum
     Us at any time without notice. You agree to surrender any such access device Monthly Payments, You understand that You have the right to repay Your
     and to discontinue its use immediately upon Our request. Account or make larger payments at any time without penalty. You will only be
                                             charged periodic Finance Charges to the date You repay Your entire Account
     USE OF YOUR CARD. You may use Your Card to buy goods and services in balance. Any partial payment or prepayment of Your Account will not delay Your
     any place that it is honored and to get cash advances from Us or another next scheduled payment. All payments to Us must be in lawful money of the
     financial institution. If You are issued a cash advance draft, it will be imprinted United States.
     with Your Card and You will receive a copy of the draft. You agree not to use
     Your Card for illegal transactions including, but not limited to, advances made for Payments will be applied in the following order: (a) any Fees and Charges owing;
     the purpose of gambling and/or wagering where such practices are in violation of (b) any Finance Charges due; (c) the balance for cash advances; (d) the balance
     applicable state and/or Federal law.    for balance transfers; and then to (e) the balance for purchases.
     ISSUANCE OF PERSONAL IDENTIFICATION NUMBER. We will issue You a Any unpaid portion of any Finance Charges and Late Charges will be paid by
     Personal Identification Number (PIN) for use with Your Card. This PIN is subsequent payments and will not be added to the principal. You understand that
     confidential and should not be disclosed to anyone. You may use Your PIN and any payment that delays the repayment of Your unpaid balance will increase
     Your Card to access Your Account and all sums advanced will be added to Your Your Finance Charge and any payment that accelerates the reduction of Your
     Account balance. In the event a use of Your PIN constitutes an Electronic Fund unpaid balance will decrease Your Finance Charges.
     Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement
     may affect Your rights.                 Minimum Monthly Payments for advances on Your Account will be an amount
                                             equal to 2.00% of Your balance at the end of each billing cycle, subject to the
     CREDIT LIMITS. You will be notified of Your specific Credit Limit for transactions lesser of $10 or Your Account balance, plus any portion of the Minimum
     made under Your Account. Unless You are in default, Your Credit Limit will be Payments shown on prior statement(s) which remains unpaid, plus any amount
     self-replenishing as You make payments on Your Account. You will keep Your that exceeds Your approved Credit Limit.
     unpaid balance within Your Credit Limit, and You will pay any amount over Your
     Credit Limit on Our demand whether or not We authorize the advance which CONSENSUAL LIEN ON SHARES. As permitted by law, You grant and
     caused You to exceed Your Credit Limit. Even if Your unpaid balance is less consent to a lien on Your shares or other deposit accounts with Us (other
     than Your Credit Limit, You will have no credit available during any time that any than those deposits established under a governmental-approved tax
     aspect of Your Account is in default.   deferral plan such as an IRA or Keogh account) and any dividends due or
                                             to become due to You from Us to the extent You owe on any unpaid
     ACCOUNT RESTRICTIONS. In order to receive and maintain a Share Secured Credit Card balance.
     VISA or Share Secured MasterCard, You agree to give Us a specific pledge of
     shares which will be equal to 125% of Your Credit Limit. In the event that You OTHER SECURITY. Collateral (other than household goods or any dwelling)
     default on Your Account, We may apply these shares toward the repayment of given as security under this Agreement or for any other loan You may have with
     any amount owed on Your Account.        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
     FINANCE CHARGES. In the case of any transactions on Your Account, the evidencing such debt.
     balances subject to the periodic Finance Charge are the average daily
     transactions balances outstanding during the month (new and previous). To get PERIODIC STATEMENT. On a regular basis, You will receive a statement
     the average daily balance, We take the beginning balance of Your Account each showing all transactions on Your Account including amounts paid and borrowed
     day, add any new purchases, balance transfers, cash advances, insurance since Your last statement. We will mail You a statement each billing cycle in
     premiums, debit adjustments or other charges and subtract any payments, which there is a debit or credit balance or when a Finance Charge is imposed.
     credits and unpaid Finance Charges or Late Charges. This gives Us the daily We need not send You a statement if We feel Your Account is uncollectible or if
     balance. Then, We add up all the daily balances for the billing cycle and divide We have started collection proceedings against You because You defaulted.
     them by the number of days in the billing cycle. The Finance Charge for a billing Each statement is deemed to be a correct statement of account unless You
     cycle is computed by multiplying the average daily balance subject to a Finance establish a billing error pursuant to the Federal Truth-In-Lending Act.
     Charge by the Daily Periodic Rate times the number of days in the billing cycle.
                                             OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are
     You can avoid Finance Charges on purchases by paying the full amount of the under no obligation to honor Your Convenience Checks if: (1) by paying a
     entire balance owed each month within 25 days of Your statement closing date. Convenience Check, You would exceed Your Credit Limit; (2) Your Cards or
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     Convenience Checks have been reported lost or stolen; (3) Your Account has CHANGE IN TERMS. We may change the terms of this Agreement by
     been cancelled or has expired; and (4) a Convenience Check is used for mailing or delivering to You written notice of the changes as prescribed
     payment on this or any other loan Account with Us. If a postdated Convenience by the Federal Truth-In-Lending Act. To the extent permitted by law, the right
     Check is paid and, as a result, any other Convenience Check is returned unpaid, to change the terms of this Agreement includes, but is not limited to, the
     We are not responsible for any resulting loss or liability. right to change the periodic rate applicable to Your unpaid balance and/or
                                             future advances.
     TRANSACTION SLIPS. Your periodic statement will identify the merchant,
     electronic terminal or financial institution at which transactions were made, but REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not
     sales, cash advances, credit or other slips will not be returned with the liable for the refusal or inability of merchants, financial institutions and others to
     statement. You will retain the copy of such slips furnished at the time of the accept the Cards or Convenience Checks, or electronic terminals to honor the
     transaction in order to verify Your monthly statement. Cards or complete a Card withdrawal, or for their retention of the Cards or
                                             Convenience Checks.
     CREDITS. If a merchant who honors Your Card gives You credit for returns or
     adjustments, the merchant will do so by sending Us a slip which will be posted to LOST CARDS. To report lost or stolen Credit Cards, You will call Us
     Your Account. If Your credits and payments exceed what You owe Us, We will immediately at (800) 825-3622 or (513) 762-5070 or, You can write to Us at
     hold and apply this credit against future purchases and cash advances, or if it is P. O. Box 14090, Cincinnati, OH, 45250-0090.
     $1.00 or more, refund it on Your written request or automatically deposit it to
     Your share account after 6 months.      FOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the
                                             exchange rate between the transaction currency and the billing currency (U.S.
     LATE CHARGE. If Your payment is not received within 55 days of the Statement dollars) will be: (a) a rate selected by VISA and/or MasterCard, as is applicable,
     Closing Date of the statement for which that payment is due, You will be charged from the range of rates available in wholesale currency markets for the
     the lesser of: (a) the amount of the minimum payment due; or (b) $25. applicable central processing date, which rate may vary from the rate VISA or
                                             MasterCard itself receives; or (b) the government-mandated rate in effect for the
     ANNUAL MEMBERSHIP FEE. MasterCard, Share Secured MasterCard and applicable central processing date.
     Share Secured VISA accountholders will be charged a non-refundable Annual
     Cardholder fee of $25 per year for Your continued participation in that particular For all transactions, You will be charged 1.00% calculated on the final settlement
     Credit Card accessible program. This annual fee is required each year in order amount.
     to continue Your credit availability. We will automatically post this fee to Your
     Account on the first day of the billing cycle in which it is due. You can avoid EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or
     paying it by sending written notification of termination of Your Account within 30 other slips You may sign or receive when using the Card contain terms,
     days following the mailing date of the statement on which it appears. this Agreement is the contract which solely applies to all transactions involving
                                             Your Account.
     OTHER FEES AND CHARGES. You will be charged the following fees and
     charges associated with the use of Your Credit Card: (a) the lesser of $25 or the CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this
     required minimum payment amount for the returned payment for any check (or Agreement. By signing the Application and Your Credit Card, by using the Card,
     other negotiable instrument used for payment) which is returned unpaid; (b) $5 by using Your Account or by authorizing another to use Your Account, You
     for each sales draft copy You request; (c) a cash advance fee FINANCE agree to accept its terms.
     CHARGE in an amount equal to 2.00% of the total amount advanced, subject to
     a minimum of $2 and a maximum of $50; (d) a balance transfer fee FINANCE INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional
     CHARGE in an amount equal to 2.00% of the total amount transferred, subject to Disclosure - Federal Truth-In-Lending Act" which is delivered to You and relates
     a minimum of $2 and a maximum of $50; and (e) $20 for each Card that You to this Agreement is an integrated part of this Agreement and Disclosure.
     request be delivered on an expedited basis.
                                             UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide
     DEFAULT. You will be in default if: (a) You do not make any payment or perform facts to update personal information or other financial information related to You,
     any obligation under this Agreement, or any other agreement that You may have at Our request. You also agree that We may, from time to time, as We deem
     with Us; or (b) You should die, become involved in any insolvency, receivership necessary, make inquiries pertaining to Your employment, credit standing and
     or custodial proceeding brought by or against You; or (c) You have made a false financial responsibility in accordance with applicable laws and regulations. You
     or misleading statement in Your credit application and/or in Your representations further agree that We may give information about the status and payment history
     to Us while You owe money on Your Account; or (d) A judgment or tax lien of Your Account to consumer credit reporting agencies, a prospective employer
     should be filed against You or any attachment or garnishment should be issued or insurer, or a state or federal licensing agency having any apparent legitimate
     against any of Your property or rights, specifically including anyone starting an business need for such information.
     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 TERMINATION. Subject to applicable law, either You or We may cancel Your
     hereunder is or soon will be impaired, time being of the very essence. 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
     If You are in default, We may, without notice or demand, and to extent permitted this Agreement.
     by law, cancel Your rights under this Agreement, declare the entire unpaid
     balance immediately due and payable and require the return of all Cards and GOVERNING LAW. This Agreement is controlled and governed by the laws of
     other Account Access devices.           the State of Ohio except to the extent that such laws are inconsistent with
                                             controlling federal law.
     COLLECTION COSTS. To the extent permitted by law, You will reimburse Us
     for all of Our costs and expenses, including reasonable attorneys' fees incurred Your Billing Rights: Keep this Document for Future Use
     in the course of collecting any amounts owed under this Agreement or for the
     recovery of any collateral.             This notice tells You about Your rights and Our responsibilities under the Fair
                                             Credit Billing Act.
     CREDIT INSURANCE. Credit insurance is not required for any extension of
     credit under this Agreement. However, You may purchase any credit insurance What To Do If You Find A Mistake On Your Statement
     available through Us and have the premiums added to the outstanding balance
     of Your Account. If You elect to do so, You will be given the necessary If You think there is an error on Your statement, write to Us at Our address
     disclosures and documents separately. Any credit insurance premiums will be shown in this Agreement. In Your letter, give us the following information:
     charged to Your Account as a purchase.
                                             . Account information: Your name and Account number.
     ENFORCEMENT. We do not lose Our rights under this or any related . Dollar amount: The dollar amount of the suspected error.
     agreement if We delay enforcing them. We can accept late payments, partial . Description of problem: If You think there is an error on Your bill, describe
     payments, or any other payments, even if they are marked "paid in full" without what You believe is wrong and why You believe it is a mistake.
     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 You must contact Us:
     provisions remain in full force and effect.
                                             . Within 60 days after the error appeared on Your statement.
     UNAUTHORIZED USE. You may be liable for the unauthorized use of Your . At least 3 business days before an automated payment is scheduled, if
     Account. You will not be liable for the unauthorized use that occurs after You You want to stop payment on the amount You think is wrong.
     notify Us orally and in writing at the address or telephone number shown in this
     Agreement, of the loss, theft, or possible unauthorized use. In any case, Your What Will Happen After We Receive Your Letter
     liability will not exceed $50.
                                             You must notify Us of any potential errors in writing. You may call Us, but if You
     NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly in writing do We are not required to investigate any potential errors and You may have to
     if You move or otherwise have a change of address. pay the amount in question.
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    When We receive Your letter, We must do two things: We must tell You the name of anyone to whom we reported You as delinquent,
                                            and We must let those organizations know when the matter has been settled
    1) Within 30 days of receiving Your letter, We must tell You that We received Your between Us. If We do not follow all of the rules above, You do not have to pay the
      letter. We will also tell You if We have already corrected the error. first $50 of the amount You question even if Your bill is correct.
    2) Within 90 days of receiving Your letter, We must either correct the error or
      explain to You why We believe the bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card Purchases
    While We investigate whether or not there has been an error: 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
     . We cannot try to collect the amount in question, or report You as merchant, You may have the right not to pay the remaining amount due on the
      delinquent on that amount.            purchase. To use this right, all of the following must be true:
     . The charge in question may remain on Your statement, and We may
      continue to charge You interest on that amount. 1) The purchase must have been made in Your home state or within 100 miles of
     . While You do not have to pay the amount in question, You are responsible Your current mailing address, and the purchase price must have been more
      for the remainder of Your balance.      than $50. (Note: Neither of these are necessary if Your purchase was based on
     . We can apply any unpaid amount against Your Credit Limit. an advertisement We mailed to You, or if We own the company that sold You
                                              the goods or services.)
    After We finish Our investigation, one of two things will happen: 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
     . If We made a mistake: You will not have to pay the amount in question or account do not qualify.
      any interest or other fees related to that amount. 3) You must not yet have fully paid for the purchase.
     . 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 If all of the criteria above are met and You are still dissatisfied with the purchase,
      of the amount You owe and the date payment is due. We may then report You contact Us in writing at Our address shown in this Agreement.
      as delinquent if You do not pay the amount We think You owe.
                                            While We investigate, the same rules apply to the disputed amount as discussed
    If You receive Our explanation but still believe Your bill is wrong, You must write to above. After We finish Our investigation, We will tell You Our decision. At that
    Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot point, if We think You owe an amount and You do not pay, We may report You
    report You as delinquent without also reporting that You are questioning Your bill. as delinquent.
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                                               PRICING INFORMATION ADDENDUM
                         KEMBA CREDIT UNION, INC.
                         P. O. BOX 14090                   CREDIT CARD ACCOUNT
                         CINCINNATI, OH 45250
                                                    AGREEMENT AND DISCLOSURE
                         (800) 825-3622
                         FAX (513) 762-1619 THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA,
                         (513) 762-5070  SHARE SECURED VISA, VISA GOLD, VISA PLATINUM, GCFCU VISA, MASTERCARD AND
                                         SHARE SECURED MASTERCARD CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS
                                         ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
     Interest Rate and Interest Charges
     Annual Percentage Rate (APR)
                           VISA:8.15%
     For Purchases
                             This APR will vary with the market based on the Prime Rate.
                           VISA Gold:5.75%
                             This APR will vary with the market based on the Prime Rate.
                           Share Secured VISA:18.00%  VISA Platinum: 9.90%
                           GCFCU VISA:12.90%          MasterCard:13.90%
                           Share Secured MasterCard:18.00%
     Annual Percentage Rate (APR) VISA: 8.15%
     For Balance Transfers   This APR will vary with the market based on the Prime Rate.
                           VISA Gold: 5.75%
                             This APR will vary with the market based on the Prime Rate.
                           Share Secured VISA: 18.00% VISA Platinum: 9.90%
                           GCFCU VISA: 12.90%         MasterCard: 13.90%
                           Share Secured MasterCard: 18.00%
     Annual Percentage Rate (APR) VISA: 8.15%
     For Cash Advances       This APR will vary with the market based on the Prime Rate.
                           VISA Gold: 5.75%
                             This APR will vary with the market based on the Prime Rate.
                           Share Secured VISA: 18.00% VISA Platinum: 9.90%
                           GCFCU VISA: 12.90%         MasterCard: 13.90%
                           Share Secured MasterCard: 18.00%
     Paying Interest       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. We will begin charging interest on
                           cash advances and balance transfers on the transaction date.
                     SEE TOP OF PAGE 2 for more important information about Your Account
     Copyright Oak Tree Business Systems, Inc., 2013. All Rights Reserved. Page 1 of 2 OTBS 016CC A FRB_Web KEMB (9/13)
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    Fees
    Annual Fee            For MasterCard, Share Secured MasterCard and Share Secured VISA, $25.00
    Transaction Fees
     . Foreign Transaction 1.00% of each transaction in U.S. dollars.
     . Balance Transfer   2.00% of each transfer ($2.00 minimum - $50.00 maximum).
     . Cash Advance       2.00% of each advance ($2.00 minimum - $50.00 maximum).
    Penalty Fees
     . Returned Payment   Up to $25.00
     . Late Payment       Up to $25.00 55 days after Your statement closing date
    How We Will Calculate Your Balance: 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
    FINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions
    balances outstanding during the month (new and previous). To get the average daily balance, We take the beginning balance of Your Account each day, add any new
    purchases, balance transfers, cash advances, insurance premiums, debit adjustments or other charges and subtract any payments, credits and unpaid Finance
    Charges or Late Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the 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 Daily Periodic Rate times
    the number of days in the billing cycle.
    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 date they are posted to Your Account.
    VISA is subject to a current Daily Periodic Rate of 0.022329% (corresponding ANNUAL PERCENTAGE RATE 8.15%).
    VISA Gold is subject to a current Daily Periodic Rate of 0.015753% (corresponding ANNUAL PERCENTAGE RATE 5.75%).
    Share Secured VISA is subject to a Daily Periodic Rate of 0.049315% (corresponding ANNUAL PERCENTAGE RATE 18.00%).
    VISA Platinum is subject to a Daily Periodic Rate of 0.027123% (corresponding ANNUAL PERCENTAGE RATE 9.90%).
    GCFCU VISA is subject to a Daily Periodic Rate of 0.035342% (corresponding ANNUAL PERCENTAGE RATE 12.90%).
    MasterCard is subject to a Daily Periodic Rate of 0.038082% (corresponding ANNUAL PERCENTAGE RATE 13.90%).
    Share Secured MasterCard is subject to a Daily Periodic Rate of 0.049315% (corresponding ANNUAL PERCENTAGE RATE 18.00%).
    VISA AND VISA GOLD VARIABLE INTEREST RATE. All VISA and VISA Gold transactions are subject to a Variable Rate which is based on the most recent Prime
    Rate available as published in the Money Rates Section of The Wall Street Journal and will be the most recent rate available 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 first statement cycle following the end of each calendar quarter of each year. Increases or decreases in the Interest Rate will cause like increases or decreases in
    the Finance Charge and will affect the number of Your scheduled payments. Your Interest Rate will never be greater than 18.00%.
    The applicable Margins are as follows: VISA 4.90%; and VISA Gold 2.50%.
    Copyright Oak Tree Business Systems, Inc., 2013. All Rights Reserved. Page 2 of 2 OTBS 016CC A FRB_Web KEMB (9/13)
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