CREDIT CARD ACCOUNT AGREEMENT  
                    P.O. Box 96730 
                    Bellevue, WA 98009 
                                  AND FEDERAL DISCLOSURE STATEMENT 
                    1-800-848-0018 
                              THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING 
                              DISCLOSURE STATEMENTS, SHARE SECURED VISA GOLD, VISA GOLD, VISA REWARDS AND GATEWAY VISA 
                              AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR SHARE SECURED VISA GOLD, 
                              VISA  GOLD,  VISA  REWARDS  AND  GATEWAY  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        Share Secured VISA Gold: _______% 
                            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. 
                             
                                     
                         VISA Rewards: _______% 
                            This APR will vary with the market based on the Prime Rate. 
                          
                                     
                         Gateway VISA: _______% 
                            This APR will vary with the market based on the Prime Rate. 
                          
                          
    Annual Percentage Rate (APR)            
                         Share Secured VISA Gold: _______% 
    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. 
                             
                                     
                         VISA Rewards: _______% 
                            This APR will vary with the market based on the Prime Rate. 
                             
                                     
                         Gateway VISA: _______% 
                            This APR will vary with the market based on the Prime Rate. 
                          
                          
    Annual Percentage Rate (APR) 
                         Share Secured VISA Gold: _______%    
    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. 
                             
                         VISA Rewards: _______%    
                            This APR will vary with the market based on the Prime Rate. 
                             
                         Gateway VISA: _______%    
                            This APR will vary with the market based on the Prime Rate. 
                          
    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. 
                          
    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 
    Protection Bureau    http://www.consumerfinance.gov/learnmore. 
                          
    
    Fees  
                          
    Maintenance Fees      
                          
      ?  Annual Fee      For VISA Rewards, $25.00 
      ?  Participation Fee  For Gateway VISA, $60.00 annually ($5.00 per month) 
                          
                    SEE TOP OF PAGE 2 for more important information about Your Account 
    
   Copyright Oak Tree Business Systems, Inc., 2006-2015. All Rights Reserved.  Page 1 of 4                                  OTBS 016CC FRB_Web QUAL (10/15) 
    
    
    Fees (continued) 
                          
    Transaction Fees      
                          
      ?  Foreign Transaction  1.00% of each transaction in U.S. dollars 
      ?  Cash Advance    2.00% of each advance 
                          
                          
    Penalty Fees          
                          
      ?  Returned Payment  Up to $25.00 
      ?  Late Payment    Up to $25.00 after 7 days 
                          
     
     
   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 important information about Your Account 
                                            
                                            
                                            
   In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean QUALSTAR CREDIT UNION. 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 Share Secured VISA Gold, VISA Gold, VISA 
   Rewards or Gateway VISA Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means Share Secured VISA Gold, VISA Gold, VISA 
   Rewards or Gateway VISA Credit Card Account established for You under this Agreement. �Convenience Checks� mean the special Account access devices that We may 
   provide for Your use from time to time. 
    
   You, as the Borrower, understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute Our Agreement with You. You may 
   request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic requests, advance request forms, vouchers, checks, 
   charge slips, Convenience Checks, Credit Cards and the like. Regardless of the means by which any advance is made, 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. 
    
    
     
                                                     Daily             ANNUAL 
                                Variable Rate 
                                                     Periodic        PERCENTAGE  Credit Card 
                             Index     Margin         Rate              RATE 
                                                                           
                                                                        
    Share Secured VISA Gold  ____________  ____________  _______________%  _______________% 
                                                                           
                                                                        
    VISA Gold              ____________  ____________  _______________%     _______________% 
                                                                           
                             
    VISA Rewards           ____________  ____________     _______________%       _______________% 
                                                                           
    Gateway VISA           ____________     ____________     _______________%       _______________% 
    
   USE OF YOUR CARD. You may use Your Card to buy goods and services in any  You will keep Your unpaid balance within Your Credit Limit set by Us, and You will 
   place  that  it  is  honored  and  to  get  cash  advances  at  participating  financial  pay  any  amount  over  Your  Credit  Limit  on  Our  demand  whether  or  not  We 
   institutions. You agree not to use Your Card for illegal transactions including, but  authorize the advances which caused You to exceed Your Credit Limit. Even if 
   not limited to, advances made for the purpose of gambling and/or wagering where  Your unpaid balance is less than Your Credit Limit, You will have no credit available 
   such practices are in violation of applicable state and/or federal law.  during any time that any aspect of Your Account is in default. 
                                             
   SECURITY. Collateral (other than non-purchase money household goods or any  JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for 
   dwelling) given as security under this Agreement or for any other loan You may  the repayment of any amounts owed. If any Account access device, such as a 
   have with Us will secure all amounts You owe Us now and in the future if that status  Personal Identification Number (PIN) is requested and approved, You understand 
   is  reflected  in  the  "Truth-in-Lending  Disclosure"  in  any  particular  Agreement  that any such Account access device(s) will be mailed only to the primary Borrower 
   evidencing such debt.                    at  the  address  that  We  have  on  file  for  You.  We  may  refuse  to  follow  any 
                                            instructions which run counter to this provision. 
    CONSENSUAL 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 and  MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need 
    Keogh accounts) and any dividends due or to become due to You from Us  only pay the Minimum Monthly Payments, You understand that You have the right 
    to the extent You owe on any unpaid Credit Card balance.  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 
   ACCOUNT RESTRICTIONS. In order to receive and maintain a Share Secured  may make larger payments without penalty. Any partial payment or prepayment will 
   VISA Gold Account, You agree to give Us a specific pledge of shares which will  not delay Your next scheduled payment. All payments to Us must be in lawful 
   equal Your credit limit. In the event that You default on Your Share Secured  money of the United States. Except as required by law, the order in which We may 
   VISA Gold Account, We may apply these shares toward the repayment of any  apply VISA payments is at Our discretion. 
   amount owed on such Account. You may cancel Your Share Secured VISA Gold   
   Account at any time by paying any amounts owed on such Account. To be  Any unpaid portion of the Finance Charge will be paid by subsequent payments 
   certain that Your entire balance and all advances are paid, any shares pledged  and will not be added to Your principal balance. You understand that any delay in 
   may not be available to You for 30 days after You have cancelled and any  the repayment of Your unpaid balance will increase Your periodic Finance Charges 
   outstanding balance is paid in full.     and any acceleration in the repayment of Your unpaid balance will decrease Your 
                                            periodic Finance Charges. 
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for   
   which You are approved. Unless You are in default, any Credit Limits established  Share Secured VISA Gold, VISA Gold and VISA Rewards Minimum Payments will 
   for You will generally be self-replenishing as You make payments.  be an amount equal to 2.00% of Your new unpaid Share Secured VISA Gold, VISA 
   Copyright Oak Tree Business Systems, Inc., 2006-2015. All Rights Reserved.  Page 2 of 4                                  OTBS 016CC FRB_Web QUAL (10/15) 
    
   Gold or VISA Rewards balance at the end of each billing cycle, subject to the  Secured  VISA  Gold,  VISA  Gold  or  VISA  Rewards  Account,  subject  to  this 
   lesser of $25.00 or Your balance, plus any portion of the Minimum Payments  provision, to clear any overdraft on Your share draft account. Whether or not 
   shown on prior statement(s) which remains unpaid, plus any amount that exceeds  such transfers occur will be controlled by this Agreement. In any event, You hold 
   Your approved Credit Limit.              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 
   Gateway VISA Minimum Payments will be an amount equal to 2.00% of Your new  ever cancelled or terminated or Your Account is in default. 
   unpaid Gateway VISA balance at the end of each billing cycle, subject to the lesser    
   of $50.00 or Your balance, plus any portion of the Minimum Payments shown on  PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement 
   prior  statement(s)  which  remains  unpaid,  plus  any  amount  that  exceeds  Your  showing all transactions on Your Account including amounts paid and borrowed 
   approved Credit Limit.                   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 
   You may, by separate agreement, authorize Us to charge Your payment directly to  send You a statement if We feel Your Account is uncollectible or if We have started 
   Your share or share draft account.       collection  proceedings  against  You  because  You  defaulted.  EACH 
                                            STATEMENT  IS  DEEMED  TO  BE  A  CORRECT  STATEMENT  OF  ACCOUNT 
   LATE  CHARGE.  If  Your  payment  is  more  than  seven  days  late,  You  will  be  UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL 
   charged the lesser of: (a) the amount of the minimum payment due; or (b) $25.00.  TRUTH-IN-LENDING ACT.  
                                             
   VISA REWARDS ANNUAL FEE. Beginning with the second year your Account is  OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under 
   open, and each year thereafter, VISA Rewards Accountholders will be charged a  no obligation to honor Your Convenience Checks if: (1) by paying a Convenience 
   $25.00 Annual Fee for continued participation in the VISA Rewards program. This fee  Check,  You  would  exceed  Your  Credit  Limit;  (2)  Your  Cards  or  Convenience 
   is required each year to continue credit availability whether or not You use Your  Checks have been reported lost or stolen; (3) Your Account has been cancelled or 
   Account throughout the year. Such fee will be waived each year during which net  has expired. If a postdated Convenience Check is paid and, as a result, any other 
   purchases equal or exceed $5,000.00 for the calendar year that immediately precedes  Convenience Check is returned unpaid, We are not responsible for any resulting 
   January 1st of each year. After the first year, You will be provided with cancellation  loss or liability. 
   instructions with the statement that precedes the statement on which the Annual Fee   
   appears. Such fee will be identified on the statements that You receive.  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 
   GATEWAY VISA PARTICIPATION FEE. Beginning with the first year, Gateway  with Us; or (b) You should die, become involved in any insolvency, receivership or 
   VISA Accountholders will be charged a $60.00 annual participation fee (billed at the  custodial proceeding brought by or against You; or (c) You have made a false or 
   rate of $5.00 per month). Such fee will be waived each month in which Your month- misleading statement in Your credit application and/or in Your representations to 
   end balance is $4.99 or less.            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 
   OTHER FEES AND CHARGES. You will be charged the following fees associated  Your  property  or  rights,  specifically  including  anyone  starting  an  action  or 
   with Your Account: (a) the lesser of $25.00 or the required minimum payment  proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in 
   amount for the returned payment for any check (or other negotiable instrument  good faith, believe Your ability to repay Your indebtedness hereunder is or soon will 
   used for payment) which is returned unpaid; (b) $1.00 for each statement copy You  be impaired, time being of the very essence. 
   request;  (c) a cash advance fee FINANCE CHARGE equal to 2.00% of each   
   advance; (d) $5.00 for each replacement Card You request; (e) $20.00 per hour  Upon any occurrence of default, We may, to the extent permitted by law, cancel 
   each time You request that We research Your Account; and (f) $5.00 for each  Your rights under this Agreement, require the return of all access devices and 
   sales draft copy You request.            declare the entire balance of Your Account immediately due and payable, without 
                                            prior notice or demand.  
   FINANCE CHARGES. In the case of any transactions under Your Account, the   
   balances subject to the periodic Finance Charge are the average daily transactions  COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
   balances outstanding during the month (including new transactions). To get the  payment on this or any other account, You agree to pay all costs of collection, 
   average daily balance, We take the beginning balance each day, add any new  including but not limited to, court costs, private process server fees, investigation 
   purchases,  balance  transfers,  cash  advances,  insurance  premiums,  debit  fees, reasonable attorneys� fees incurred in the course of collecting any amounts 
   adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid  owed under this Agreement or in the recovery of any collateral, or other costs 
   Finance Charges. This gives Us the daily balance. Then, We add up all the daily  incurred by Us. 
   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  In the event of Your default, You agree and understand that the Credit Union may 
   average daily balance subject to a Finance Charge by the Daily Periodic Rate times  retain the services of a collection agency and pay such agency a fee calculated on 
   the number of days in the billing cycle.  a  percentage  or  other  pre-arranged  basis,  in  an  amount  not  in  excess  of 
                                            __________% of the unpaid debt after default, and You agree that the amount of 
   You can avoid Finance Charges on purchases by paying the full amount of the  such fee will be Our actual cost of collection, exclusive of any court costs and You 
   entire balance owed each month within 25 days of Your statement closing date.  agree to pay these amounts. 
   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  ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   advances and balance transfers are always subject to a Finance Charge from the  We delay enforcing them. We can accept late payments, partial payments or any 
   later of the date they are posted to Your Account or from the first day of the billing  other payments, even if they are marked "paid in full" without losing any of Our rights 
   cycle in which the transaction is posted to Your Account.  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. 
   GATEWAY VISA VARIABLE RATE. Your Account is subject to a Variable Rate   
   which is based on the highest Prime Rate as published in the Money Rates Section  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
   of The Wall Street Journal in effect on the 15th day of the month immediately  or otherwise have a change of address. 
   preceding each change date (�Index�) plus Our Margin. The Index plus the Margin   
   equals the Interest Rate. Changes in the Index will cause changes in the Interest  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   Rate on January 1st, April 1st, July 1st, and October 1st of each year.  Increases or  delivering  to  You  written  notice  of  the  changes  as  prescribed  by  the  Federal 
   decreases in the Interest Rate will result in like increases or decreases in the  Truth-In-Lending Act. To the extent permitted by law, the right to change the terms 
   Finance Charge and may affect the number of Your scheduled payments. Your  of this Agreement includes, but is not limited to, the right to change the periodic 
   Interest  Rate  will  never  be  greater  than  ___________%  and  will  apply  to  the     rate applicable to Your unpaid balance and/or future advances. 
   remaining principal balance.              
                                            DEBT CANCELLATION COVERAGE. Debt cancellation coverage is not required 
   VARIABLE  RATE  (EXCEPT  GATEWAY  VISA).  Your  Account  is  subject  to  a  for any extension of credit under this Agreement. However, You may purchase any 
   Variable Rate which is based on the highest Prime Rate as published in the Money  debt cancellation coverage available through Us and have the costs added to Your 
   Rates Section of The Wall Street Journal in effect on the 15th day of the month  outstanding  balance.  If  You  elect  to  do  so,  You  will  be  given  the  necessary 
   immediately preceding each change date (�Index�) plus Our Margin. The Index plus  disclosures and documents separately.  
   the Margin equals the Interest Rate. Changes in the Index will cause changes in   
   the Interest Rate on January 19th, April 18th, July 19th, and October 19th of each  INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional 
   year.  Increases or decreases in the Interest Rate will result in like increases or  Disclosure - Federal Truth-In-Lending Act," which is delivered together with this 
   decreases in the Finance Charge and may affect the number of Your scheduled  Agreement or at a later date becomes an integrated part of this Agreement  
   payments. Your Interest Rate will never be greater than ___________% and will     and Disclosure. 
   apply to the remaining principal balance.    
                                            CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
   OVERDRAFT  PROTECTION  (EXCEPT  GATEWAY  VISA).  We  may  transfer  Agreement. By signing the application; or by using Your Account or any Account 
   funds in the amount necessary (or in such increments as We may from time to  access device; or by authorizing another to use Your Account, You agree to and 
   time determine) to Your share draft account by an advance on Your Share  accept its terms. 
   Copyright Oak Tree Business Systems, Inc., 2006-2015. All Rights Reserved.  Page 3 of 4                                  OTBS 016CC FRB_Web QUAL (10/15) 
    
   UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to  What To Do If You Find A Mistake On Your Statement 
   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  If You think there is an error on Your statement, write to Us at Our address shown 
   time, as We deem necessary, make inquiries pertaining to Your employment, credit  in this Agreement. In Your letter, give us the following information: 
   standing  and  financial  responsibility  in  accordance  with  applicable  laws  and   
   regulations. You further agree that We may give information about the status and  ?  Account information: Your name and Account number. 
   payment history of Your Account to consumer credit reporting agencies, a prospective  ?  Dollar amount: The dollar amount of the suspected error. 
   employer or insurer, or a state or federal licensing agency having any apparent  ?  Description of problem: If You think there is an error on Your bill, describe 
   legitimate business need for such information.   what You believe is wrong and why You believe it is a mistake. 
                                             
   TERMINATION. Either You or We may cancel Your Account, at any time, whether  You must contact Us: 
   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.  ?  Within 60 days after the error appeared on Your statement. 
                                            ?  At least three business days before an automated payment is scheduled, if 
   OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any  You want to stop payment on the amount You think is wrong. 
   time without notice. You agree to surrender Your Card and to discontinue its use   
   immediately upon Our request.            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 
   ISSUANCE  OF  A  PERSONAL  IDENTIFICATION  NUMBER.  We  will  issue,   the amount in question. 
   upon  Your  request,  a  Personal  Identification  Number  (PIN)  for  use  with   
   participating Automated Teller Machines (ATMs). This PIN is confidential and  What Will Happen After We Receive Your Letter 
   should not be disclosed to anyone. You may use Your PIN to access You r   
   Account and all sums advanced will be added to Your Account balance. In the  When We receive Your letter, We must do two things: 
   event a use of Your PIN constitutes an Electronic Fund Transfer, the terms    
   and conditions of Your Electronic Fund Transfer Agreement may also affect  1)  Within 30 days of receiving Your letter, We must tell You that We received 
   Your rights.                                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 
   EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other  explain to You why We believe the bill is correct. 
   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.  While We investigate whether or not there has been an error: 
                                             
   UNAUTHORIZED USE. You may be liable  for the unauthorized use of Your  ?  We cannot try to collect the amount in question, or report You as delinquent 
   Card.  You  will  not  be  liable  for  the  unauthorized use that occurs after You   on that amount. 
   notify  Us  of  the  loss,  theft,  or  possible  unauthorized  use  by  calling  Us  at   ?  The charge in question may remain on Your statement, and We may continue 
   the telephone number shown in this Agreement during normal business h ours,  to charge You interest on that amount. 
   or (800) 682-6075 after hours, on weekends and on holidays, or by writing to Us  ?  While You do not have to pay the amount in question, You are responsible for 
   at the address shown in this Agreement. In any case, Your liability will not  the remainder of Your balance. 
   exceed $50.00.                           ?  We can apply any unpaid amount against Your Credit Limit. 
                                             
   REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable  After We finish Our investigation, one of two things will happen: 
   for  the  refusal  or  inability  of  merchants,  financial  institutions  and  others  to   
   accept the Cards or Convenience Checks, or electronic terminals to honor the  ?  If We made a mistake: You will not have to pay the amount in question or any 
   Cards or complete a Card withdrawal, or for their retention of the Cards or  interest or other fees related to that amount. 
   Convenience Checks.                      ?  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 
   FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and  statement of the amount You owe and the date payment is due. We may then 
   foreign currencies, the exchange rate between the transaction currency and the  report You as delinquent if You do not pay the amount We think You owe.  
   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  If You receive Our explanation but still believe Your bill is wrong, You must write to 
   processing date, which rate may vary from the rate VISA itself receives; or (b)  Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot 
   the government-mandated rate in effect for the applicable central processing  report You as delinquent without also reporting that You are questioning Your bill. 
   date. In each instance, You will be charged a fee in an amount equal to 1.00% of  We must tell You the name of anyone to whom we reported You as delinquent, and 
   the settlement amount.                   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 
   TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant,  $50.00 of the amount You question even if Your bill is correct. 
   electronic terminal or financial institution at which transactions were made, but   
   sales, cash advances, credit or other slips cannot be returned with the statement.  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
                                             
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit  If You are dissatisfied with the goods or services that You have purchased with 
   Cards or Convenience Checks, You will immediately call Us at the telephone  Your Credit Card, and You have tried in good faith to correct the problem with the 
   number shown in this Agreement during normal business hours, or (800) 682 - merchant, You may have the right not to pay the remaining amount due on the 
   6075 after hours, on weekends and on holidays or write to Us at the address  purchase. To use this right, all of the following must be true: 
   shown in this Agreement.                  
                                            1)  The purchase must have been made in Your home state or within 100 miles 
   CREDITS. If a merchant who honors Your Card gives You credit for returns or  of Your current mailing address, and the purchase price must have been 
   adjustments, they will do so by sending Us a slip which will be posted to Your  more than $50.00. (Note: Neither of these are necessary if Your purchase 
   Account. If Your credits and payments exceed what You owe Us, We will hold and  was based on an advertisement We mailed to You, or if We own the company 
   apply this credit against future purchases and cash advances, or if it is $1.00 or  that sold You the goods or services.) 
   more refund it on Your written request or automatically deposit it to Your share  2)  You must have used Your Credit Card for the purchase. Purchases made with 
   account after 30 days.                      cash advances from an ATM or with a check that accesses Your Credit Card 
                                               account do not qualify. 
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the  3)  You must not yet have fully paid for the purchase.  
   State of Washington except to the extent that such laws are inconsistent with   
   controlling federal law.                 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.  
         Your Billing Rights: Keep this Document for Future Use   
                                            While We investigate, the same rules apply to the disputed amount as discussed 
   This notice tells You about Your rights and Our responsibilities under the Fair  above. After We finish Our investigation, We will tell You Our decision. At that point, if 
   Credit Billing Act.                      We think You owe an amount and You do not pay, We may report You as delinquent.
    
    
   Copyright Oak Tree Business Systems, Inc., 2006-2015. All Rights Reserved.  Page 4 of 4                                  OTBS 016CC FRB_Web QUAL (10/15) 
    
    
                 
                    P.O. Box 96730       PRICING INFORMATION ADDENDUM �  
     
                    Bellevue, WA 98009 
                    1-800-848-0018      CREDIT CARD ACCOUNT AGREEMENT 
                   
                                     AND FEDERAL DISCLOSURE STATEMENT              
                              THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR SHARE SECURED VISA GOLD, 
                              VISA GOLD, VISA REWARDS AND GATEWAY VISA CREDIT CARD AGREEMENT AND DISCLOSURE. PLEASE BE 
                              SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.  
    Interest Rate and Interest Charges 
                          
    Annual Percentage Rate (APR) 
                         Share Secured VISA Gold: 13.99% 
    For Purchases 
                            This APR will vary with the market based on the Prime Rate. 
     
                             
                         VISA Gold: 8.99% - 14.99% depending on Your creditworthiness. 
                            This APR will vary with the market based on the Prime Rate. 
                             
                         VISA Rewards: 9.99% - 15.99% depending on Your creditworthiness. 
                            This APR will vary with the market based on the Prime Rate. 
                             
                         Gateway VISA: 26.99% - 27.99% depending on Your creditworthiness. 
                            This APR will vary with the market based on the Prime Rate. 
                          
                          
    Annual Percentage Rate (APR)  Share Secured VISA Gold: 13.99% 
    For Balance Transfers   This APR will vary with the market based on the Prime Rate. 
                             
                         VISA Gold: 8.99% - 14.99% depending on Your creditworthiness. 
                            This APR will vary with the market based on the Prime Rate. 
                             
                         VISA Rewards: 9.99% - 15.99% depending on Your creditworthiness. 
                            This APR will vary with the market based on the Prime Rate. 
                             
                         Gateway VISA: 26.99% - 27.99% depending on Your creditworthiness. 
                            This APR will vary with the market based on the Prime Rate. 
                          
                          
    Annual Percentage Rate (APR)  Share Secured VISA Gold: 13.99% 
    For Cash Advances       This APR will vary with the market based on the Prime Rate. 
     
                             
                         VISA Gold: 8.99% - 14.99% depending on Your creditworthiness. 
                            This APR will vary with the market based on the Prime Rate. 
                             
                         VISA Rewards: 9.99% - 15.99% depending on Your creditworthiness. 
                            This APR will vary with the market based on the Prime Rate. 
                             
                         Gateway VISA: 26.99% - 27.99% depending on Your creditworthiness. 
                            This APR will vary with the market based on the Prime Rate. 
                          
                          
    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. 
                          
    
    Fees 
                          
    Maintenance Fees      
                          
      ?  Annual Fee      For VISA Rewards, $25.00 
      ?  Participation Fee  For Gateway VISA, $60.00 annually ($5.00 per month) 
                          
    
                        SEE TOP OF PAGE 2 for more important pricing information 
                                            
    
   Copyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.  Page 1 of 2                                   OTBS 016CCA FRB_Web QUAL (10/15) 
    
    Fees (continued) 
                          
    Transaction Fees      
                          
      ?  Foreign Transaction  1.00% of each transaction in U.S. dollars 
      ?  Cash Advance    2.00% of each advance 
                          
                          
    Penalty Fees          
                          
      ?  Returned Payment  Up to $25.00 
      ?  Late Payment    Up to $25.00 after 7 days 
                          
     
     
   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 important information about Your Account 
    
    
    
   FINANCE CHARGES. In the case of any transactions under Your Account, 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, We take the beginning balance 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. 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 later of the date they are posted to Your Account or from the first day of the billing cycle in which the 
   transaction is posted to Your Account. 
    
   Your Share Secured VISA Gold is subject to a current variable Daily Periodic Rate of 0.038329% (corresponding to an ANNUAL PERCENTAGE RATE of 13.99%). 
    
   Your VISA Gold is subject to a current variable Daily Periodic Rate of 0.024630% - 0.041068% (corresponding to an ANNUAL PERCENTAGE RATE of 8.99% - 14.99%), 
   depending on Your creditworthiness. 
    
   Your VISA Rewards is subject to a current variable Daily Periodic Rate of 0.027370% - 0.043808% (corresponding to an ANNUAL PERCENTAGE RATE of 9.99% - 
   15.99%), depending on Your creditworthiness. 
    
   Your Gateway VISA is subject to a current variable Daily Periodic Rate of 0.073945% - 0.076685% (corresponding to an ANNUAL PERCENTAGE RATE of 26.99% - 
   27.99%), depending on Your creditworthiness. 
    
   VARIABLE RATE (EXCEPT GATEWAY VISA). Your Account is 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 15th day of the month immediately preceding each change date (�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 January 19th, April 18th, July 19th, and October 19th of each year.  Increases or 
   decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and may affect the number of Your scheduled payments.  
    
   For Share Secured VISA Gold, Your Interest Rate will never be greater than 19.99% and will apply to the remaining principal balance. For VISA Gold, Your Interest Rate 
   will never be greater than 14.99% - 20.99% (depending on Your creditworthiness) and will apply to the remaining principal balance. For VISA Rewards, Your Interest Rate 
   will never be greater than 15.99% - 21.99% (depending on Your creditworthiness) and will apply to the remaining principal balance. 
    
   For Share Secured VISA Gold, the Margin will be 10.74%.  For VISA Gold, the Margin will be 5.74% - 11.74%, depending on Your creditworthiness.  For VISA Rewards, the 
   Margin will be 6.74% - 12.74%, depending on Your creditworthiness.   
    
   GATEWAY VISA VARIABLE RATE. Your Account is 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 15th day of the month immediately preceding each change date (�Index�) plus Our Margin. The Index plus the Marg in 
   equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on January 1st, April 1st, July 1st, a nd October 1st of each year.  Increases or 
   decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and may affect the number of Your scheduled payments. 
    
   Your Interest Rate will never be greater than 34.99% - 35.99% (depending on Your creditworthiness) and will apply to the remaining principal balance. 
    
   Your Margin will be 23.74% - 24.74%, determined by Your creditworhiness. 
    
    
    
    
    
   Copyright Oak Tree Business Systems, Inc., 2013-2015. All Rights Reserved.  Page 2 of 2                                   OTBS 016CCA FRB_Web QUAL (10/15)