CREDIT LINE ACCOUNT AND 
P
ERSONAL LOAN APPLICATION   
 
 
   ACCOUNT NUMBER � APPLICANT 
 
 ACCOUNT NUMBER � CO-APPLICANT  DATE 
 
Applicant Information    PRINT OR TYPE ALL INFORMATION  
1. If You live in a community property state, are You:  
        Married          Separated           Unmarried (Includes Single, Divorced  and Widowed) 
2. Married applicants can apply for individual credit. Indicate if You would like: 
        Individual Credit           Joint Credit with Your Spouse/Co-Applicant  
3. Method of Payment:     Payroll Deduction           Automatic Share Transfer           Cash Payment  
4. Frequency of Payment:           Weekly          Bi-Weekly         Semi-Monthly         Monthly Spouse/Co-Applicant Information  
5.  Complete Spouse/Co-Applicant Information only if:  
 a.  This is for joint credit with Your Spouse or other Co-Applicant; 
 b.  Your Spouse will use Your Account; 
 c.  You are relying on Your Spouse's income as a source of repayment for the credit requested; or 
 d.  You live in a community property state: Arizona, California, Idaho, Louisiana, Nevada,  
      New Mexico, Texas, Washington, Wisconsin (or Puerto Rico). 
6. Definitions:  
     Whenever used in this application, the words �You� and �Your� refer to the Applicant(s)  
     or Spouse/Co-Applicant and the words �We,� �Us,� and �Our� refer to the Lender.  
Credit Applied For:  
Type of credit _______________________________      Amount Requested $_______________________   Refinanced Amount $ ____________________   Total Request $ __________________ 
Purpose ___________________________________________________________________ Collateral Offered________________________________________ Value: $ __________________  
There are costs associated with the use of any Credit Card issued to You by Us. You may request specific information 
about these costs by contacting Us by telephone at (806) 353-9999 (callers from outside the 806 area code may call 
collect) or by writing Us at P.O. Box 7407, Amarillo, Texas 79114.  
APPLICANT OR CO-SIGNER   SPOUSE/CO-APPLICANT  
FIRST NAME 
 
 INITIAL 
 LAST NAME  FIRST NAME 
 
 INITIAL 
 LAST NAME 
SOCIAL SECURITY NUMBER 
 
 BIRTHDATE  SOCIAL SECURITY NUMBER 
 
 BIRTHDATE 
CURRENT STREET ADDRESS 
 
 APT. NO. YEARS THERE  CURRENT STREET ADDRESS 
 
 APT. NO. YEARS THERE 
CITY 
 
 STATE ZIP   CITY 
 
 STATE ZIP  
MOTHER�S MAIDEN NAME 
 
 EMAIL ADDRESS 
 
  MOTHER�S MAIDEN NAME 
 
 EMAIL ADDRESS  
 
 
FORMER ADDRESS (COMPLETE IF PREVIOUS ADDRESS IS LESS THAN 3 YEARS) 
 
 YEARS THERE  FORMER ADDRESS (COMPLETE IF PREVIOUS ADDRESS IS LESS THAN 3 YEARS) 
 
 YEARS THERE 
DO YOU: 
       OWN           RENT          PAY BOARD HOME TELEPHONE NO. OF DEP.  
 AGES OF DEPENDENTS   DO YOU: 
        OWN           RENT          PAY BOARD HOME TELEPHONE NO. OF DEP.  
 AGES OF DEPENDENTS  
 NAME, ADDRESS AND TELEPHONE OF NEAREST REFERENCE NOT LIVING WITH YOU 
 
 
  NAME, ADDRESS AND TELEPHONE OF NEAREST REFERENCE NOT LIVING WITH YOU 
 
 
 
EMPLOYMENT AND INCOME   If self-employed, attach financial statement or income tax returns. 
CURRENT EMPLOYER (INCLUDE EMPLOYEE I.D. IF APPLICABLE) 
 
 EMPLOYMENT DATE 
  CURRENT EMPLOYER (INCLUDE EMPLOYEE I.D. IF APPLICABLE) 
 
 EMPLOYMENT DATE 
 
ADDRESS/CITY/STATE/ZIP 
 
  ADDRESS/CITY/STATE/ZIP 
 
 
WORK TELEPHONE 
 POSITION MO. GROSS SALARY 
  WORK TELEPHONE 
 POSITION MO. GROSS SALARY 
 
FORMER EMPLOYER 
 
 POSITION YEARS THERE  FORMER EMPLOYER 
 
 POSITION YEARS THERE 
OTHER INCOME   Alimony, child support, or separate maintenance income need not be revealed if You do not choose to have it considered. (Proof Required) 
TYPE OF OTHER INCOME 
 
 MONTHLY AMOUNT 
  TYPE OF OTHER INCOME MONTHLY AMOUNT 
 
NAME AND ADDRESS OF PAYER 
 
   NAME AND ADDRESS OF PAYER 
 
 
ASSETS AND DEPOSITS   Attach a separate sheet if necessary.  
TYPE BANK (OR OTHER) NAME & ADDRESS ACCOUNT NO. INTEREST 
RATE APPROX. BAL.  TYPE BANK (OR OTHER) NAME & ADDRESS ACCOUNT NO. INTEREST 
RATE APPROX. BAL. 
 
C 
H E C K I        
C
 
H E C K      
 
S 
A 
V 
I 
N 
        
S
 
A 
V 
I 
N 
G     
 
O 
T 
H 
E 
R        
O
 
T 
H 
E 
R      
CAR 1 - YR. - MAKE - MODEL 
 
 VALUE 
  CAR 1 - YR. - MAKE - MODEL 
 
 VALUE 
 
CAR 2 - YR. - MAKE - MODEL 
 
 VALUE 
  CAR 2 - YR. - MAKE - MODEL 
 
 VALUE 
 
HOMEOWNERS: PLEASE INDICATE NAME(S) ON DEED PURCHASE PRICE 
 APPROX. VALUE 
  HOMEOWNERS: PLEASE INDICATE NAME(S) ON DEED PURCHASE PRICE 
 APPROX. VALUE 
  
Copyright Oak Tree Business Systems, Inc., 2012-2014. All Rights Reserved.                  Page 1 of 2                                                                                                      OTBS 015 ACCE (6/14)    
  
6401 South Bell Street  
P. O. Box 7407  
Amarillo, Texas 79114  
Phone: 806.353.9999 
Fax: 806.353.2533 
SEE ATTACHED
   
CREDIT  INFORMATION  Please list all open accounts with or without a balance. Attach separate sheet if necessary.   A=Applicant    C=Spouse/Co-Applicant 
 D=Debts to be paid off if loan is granted.  
PLEASE  
CHECK  
     ACCOUNT 
      NUMBER  
    INTEREST 
        RATE  
ORIGINAL 
AMOUNT  
 
BALANCE  
MONTHLY 
PAYMENT 
 
A  
C  
D   
LENDER (OR OTHER ) NAME & ADDRESS  
LIST ALL OBLIGATIONS, INCLUDING CREDIT UNION LOANS       
         
         
         
         
         
         
         
         
         
         
         
         
Please answer the following questions. 
If a yes answer is given, explain on attached sheet.     A 
YES     NO    C 
YES    NO  TOTALS   
  
   
1. Have You filed a petition for bankruptcy in the last 14 years?         Please Check: A=Applicant/Co-Signer  C=Co-Applicant     A 
  YES    NO          C  
  YES   NO 
2. Have You ever had any auto, furniture or property repossessed?         6. Have You any Obligations not listed?         
3. Are you a co-maker or co-signer on any loan?          
7. Do You have any past due bills?         
For Whom ___________________ Amount $ ______________      
8. Is any income You have listed likely to reduce in the next two years?         
4. Have  you ever had credit in any other name?         9. Indicate immigration status:  
What name_______________________________________     Applicant /box3 U.S. Citizen  /box3 Permanent  U.S. Resident /box3 Other___________  
5. Have You any suits pending, judgments filed, alimony or support 
awards against You?         Co-Applicant /box3     U.S. Citizen /box3 Permanent U.S. Resident /box3 Other___________ 
 
OPTIONAL CREDIT INSURANCE   
Credit Life and/or Credit Disability Insurance are not required to obtain credit and, for Credit Line Accounts, will be included only if requested immediately 
below by the APPLICANT. The insurance rates for Credit Line Accounts are shown below. For Credit Line Accounts, the insurance charge is calculated each 
month by multiplying the outstanding balance of the Account on the last day of that month by the rate shown. For Closed-End loans, the total insurance 
premium will be calculated and disclosed to You separately.  
  
Monthly Premium Rates per $1000 of Outstanding Balance for Credit Line Accounts - You must CHECK ONE OR MORE of the boxes below. 
 CREDIT LIFE: Single Coverage -  ________         Yes          No                Joint Coverage -  ________        Yes         No 
 CREDIT DISABILITY (Primary Borrower Only): Single Coverage -  ________          Yes        No 
Closed-End Loan Applicants - You must CHECK ONE OR MORE of the boxes below. 
         You are interested in Credit Disability Insurance - single coverage         You are interested in Credit Life Insurance - single coverage          joint coverage   
You are not interested in Credit Insurance     
 
NOTE: For Closed-End loans, an appropriate disclosure will be furnished if Your credit is approved. If this application is for a Credit Line Account and You are 
applying for Credit Insurance, You authorize Us to add the required premiums to Your Account, charge a Finance Charge on the premiums at the rate which 
applies to Your Account, and forward such premiums to the Insurance Company. 
SIGNATURE OF APPLICANT _______________________________________________ SIGNATURE OF CO-APPLICANT ______________________________________________  
SIGNATURES  
You warrant the truth of the above information and You realize that it will be relied upon by Us in deciding whether or not to grant the credit applied for. You hereby authorize Us, Our employees and agents to 
investigate and verify any information provided to Us by You. If this application is for any Feature Category contained in Our Credit Line Account or Credit Card Account Program, You agree and understand 
that if approved, You are contractually liable according to the applicable terms of the Credit Line Account Agreement and Disclosure and/or Credit Card Account Agreement and Federal Disclosure 
Statement. You will receive a copy of such Agreement and Disclosure no later than the time of Your first credit advance and You promise to pay all amounts charged to Your Account according to its terms. If 
this is a joint application, You agree that such liability is joint and several. You authorize Us to accept Your facsimile signatures on this application and agree that Your facsimile signature will have the same 
legal force and effect as Your original signature. You assume any risk that may be associated with permitting Us to accept Your facsimile signature.  If You are issued a Credit Card, You grant and 
consent to a lien on Your shares with Us (except IRA and Keogh accounts) and any dividends due or to become due to You from Us to the extent You owe on any unpaid Credit Card balance.    
You hereby acknowledge Your intent to apply for joint credit ____________________________________________________ 
                            Applicant�s Initials  Co-Applicant�s Initials 
 
 X    X    
   Signature of Applicant or Co-Signer  Date     Signature of Spouse/Co-Applicant Date  
LOAN OFFICER OTHER APPROVING SIGNATURES 
ADVANCE APPROVED     YES /box3    NO /box3   REFERRED TO CC /box3 
 COUNTER OFFER WILL BE MADE.  IF ACCEPTED, LOAN APPROVED ADVANCE APPROVED     YES /box3    NO /box3 
 COUNTER OFFER WILL BE MADE. IF ACCEPTED, LOAN APPROVED 
DESCRIBE COUNTER OFFER    
SPECIFIC REASON(S) FOR REJECTION/APPROVAL    
LOAN OFFICER SIGNATURE                                                        DATE   CREDIT LIMIT $                                        ADDITIONAL INFORMATION 
   
CREDIT MANAGER OR OTHER                                                    DATE      
     
 ECOA NOTICE AND REASON FOR REJECTION OR UNACCEPTED COUNTER-OFFER SENT OR DELIVERED ON                                         (DATE) BY         
Copyright Oak Tree Business Systems, Inc., 2012-2014. All Rights Reserved.                  Page 2 of 2                                                                                                     OTBS 015 ACCE (6/14) 
  
SEE ATTACHED
$ .057
$ .086
$ .130
 Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.  Page 1 of 4                                             OTBS 016CC ACCE (5/14)  C
REDIT CARD ACCOUNT AGREEMENT 
AN
D FEDERAL DISCLOSURE STATEMENT   
THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-
L
ENDING DISCLOSURE STATEMENTS,  VISA CLASSIC, VISA GOLD, VISA SECURED, MASTERCARD REGULAR, 
MASTERCARD GOLD, MASTERCARD PLATINUM AND MASTERCARD SECURED  AGREEMENTS, AND ANY 
SPECIAL INSTRUCTIONS REGARDING THE USE OF VISA CLASSIC, VISA GOLD, VISA SECURED, MASTERCARD 
REGULAR, MASTERCARD GOLD, MASTERCARD PLATINUM AND MASTERCARD SECURED  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 
 
  
VISA Classic:  ________%   
 
VISA Gold:  ________%   
 
VISA Secured:  ________%   
 
MasterCard Regular:  ________%  
  
MasterCard Gold:  ________%   
 
MasterCard Platinum:  ________%   
 
MasterCard Secured:  ________%   
 
 
 
 
APR For Balance Transfers 
 
  
VISA Classic:  ________%  
 
VISA Gold:  ________%  
 
VISA Secured:  ________%  
 
MasterCard Regular:  ________% 
  
MasterCard Gold:  ________%  
 
MasterCard Platinum:  ________%  
 
MasterCard Secured:  ________%  
 
 
 
 
APR For Cash Advances 
 
  
VISA Classic:  ________%  
 
VISA Gold:  ________%  
 
VISA Secured:  ________%  
 
MasterCard Regular:  ________% 
  
MasterCard Gold:  ________%  
 
MasterCard Platinum:  ________%  
 
MasterCard Secured:  ________%  
 
 
 
 
Paying Interest  
We will not charge You interest on purchases if You pay Your entire balance owed each 
month within 25 days of the statement closing date. We will begin charging interest on 
cash advances and balance transfers on the transaction date. 
 
 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau   
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 . 
Fees   
Transaction Fees 
 
� Foreign Transaction  
 
 
1.00% of each foreign currency transaction in U.S. Dollars. 
0.80% of each U.S. Dollar transaction that occurs in a foreign country.   
Penalty Fees 
 
� Late Payment 
� Returned Payment  
 
 
Up to $25.00 
Up to $15.00  
 
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. 
 
  
6401 South Bell Street  
P. O. Box 7407  
Amarillo, Texas 79114  
Phone: 806.353.9999 
Fax: 806.353.2533 
12.4
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7.49 OR 8.69
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12.4
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12.4
7.49 OR 8.69
12.4
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12.4
12.4
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7.49 OR 8.69
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12.4 Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved.  Page 2 of 4                                             OTBS 016CC ACCE (5/14)   
DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean ACCESS COMMUNITY 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 VISA Classic, 
VISA Gold, VISA Secured, MasterCard Regular, MasterCard Gold, MasterCard Platinum or MasterCard Secured Credit Card issued to You by Us and any duplicates or 
renewals. The word "Account" means the VISA Classic, VISA Gold, VISA Secured, MasterCard Regular, MasterCard Gold, MasterCard Platinum or MasterCard Secured 
Credit Card Account established for You under this Agreement. "Convenience Check" means the special Account access devices that We may provide for Your use from 
time to time. If this is a joint Account, read singular pronouns in the plural. 
 
PROMISE TO PAY.  You understand that the following terms and conditions 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, 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. 
 
 
Credit Card Daily 
Periodic Rate ANNUAL 
PERCENTAGE RATE  
 
VISA Classic 
 
VISA Gold 
 
VISA Secured  
 
MasterCard Regular 
 
MasterCard Gold 
 
MasterCard Platinum 
 
MasterCard Secured  
____________% 
 
____________% 
 
____________% 
 
____________% 
 
____________% 
 
____________% 
 
____________%  
____________% 
 
____________% 
 
____________% 
 
____________% 
 
____________% 
 
____________% 
 
____________% 
    
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 
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. 
 
SECURITY. Collateral (other than household goods or any dwelling) given as 
security under 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.      
 
CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your 
shares with Us (except for IRA and Keogh 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 VISA Secured or 
MasterCard Secured Credit Card,  You agree to give Us a specific pledge of shares 
w
hich will be equal to the sum total of Your Credit Limit, plus the greater of: (a) 
$100.00; or (b) 10% of such 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 VISA Secured or MasterCard Secured Credit Card. You may cancel Your VISA 
Secured or MasterCard Secured Credit Card at any time by paying any amounts 
owed on such Account. To be certain that Your entire balance and all advances 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. 
 
LINE OF CREDIT LIMITS.  You will be notified of each specific Credit Limit for 
which You are approved. Unless You are in default, the Credit Limits established 
for You will generally be self-replenishing as You make payments. 
 
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. 
 
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. Except as required by law, We may apply payments 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. 
 
Minimum Payments will be an amount equal to 3.00% of Your new unpaid 
Account balance at the end of each billing cycle, subject to the lesser of $25.00 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. 
 
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 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. 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. 
Balance transfers and cash advances 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.  
 
LATE CHARGE. If Your payment is 10 or more days late, You will be charged the 
lesser of: (a) $15.00 for balances that are less than $100.00, $20.00 for balances 
equal to or greater than $100.00 but less than $1,000.00, or $25.00 for balances 
equal to or greater than $1,000.00; or (b) the amount of the minimum payment due. 
 
VISA 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 
0.0003397
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0.0003397
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0.0003397
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0.0003397
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0.0003397
12.4
0.0002052 OR 0.0002380
7.49 OR 8.69
0.0003397
12.4 Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved. Page 3 of 4                                            OTBS 016CC ACCE (5/14)  countries and initiated in U.S. Dollars, You will be charged 0.80% of the final 
s
ettlement amount. 
 
MASTERCARD FOREIGN TRANSACTIONS.  For transactions initiated in foreign 
currencies, the exchange rate between the transaction currency and the billing 
currency (U.S. dollars) will be: (a) a rate selected by MasterCard from the range of 
rates available in wholesale currency markets for the applicable central 
processing date, which rate may vary from the rate MasterCard itself receives; or 
(b) the government-mandated rate in effect for the applicable central processing 
date. In each instance You will be charged 8/10th of 1.00% calculated on the final 
settlement amount for transactions that are initiated in foreign countries, and if 
your transaction is also initiated in a foreign currency You will be charged an 
additional 2/10th of 1.00% calculated on the final converted settlement amount. 
 
OTHER FEES AND CHARGES. You will be charged the following fees associated 
with the use of Your Card: (a) the lesser of $15.00 or the required minimum 
payment amount for the returned payment for any check (or other negotiable 
instrument used for payment) which is returned unpaid; and (b) $5.00 for each 
replacement Card You request. 
 
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.  
 
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 
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," 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 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. 
 
OWNERSHIP.  Your Card remains Our property and may be cancelled by Us at 
any time without notice. You agree to surrender Your Card and to discontinue its 
use immediately upon Our request. 
 
ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER.  We will issue, upon 
Your request, a Personal Identification Number (PIN) for use with participating 
Automated Teller Machines (ATMs). This PIN is confidential and should not be 
disclosed to anyone. You may use Your PIN to access Your Account and all sums 
advanced will be added to Your Account balance. In the event a use of Your PIN 
constitutes an Electronic Fund Transfer, the terms and conditions of Your 
Electronic Fund Transfer Agreement may also affect Your rights.  
 
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 (800) 442-4257 or by 
writing to Us at P.O. Box 815909, Dallas, TX 75381-5909. 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. 
 
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. 
 
LOST CARDS OR CONVENIENCE CHECKS.  To report lost or stolen Credit 
Cards or Convenience Checks, You will immediately call Us at (800) 442-4257 or 
write to Us at P.O. Box 815909, Dallas, TX 75381-5909.  
  
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 6 months.   
 
GOVERNING LAW.  This Agreement is controlled and governed by the laws of the 
State of Texas, except to the extent that such laws are inconsistent with 
controlling federal law. 
      
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: 
  Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved. Page 4 of 4                                            OTBS 016CC ACCE (5/14)  � 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 3 business days before an automated payment is scheduled, if You 
w
ant 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. 
 
What Will Happen After We Receive Your Letter  
 
When We receive Your letter, We must do two things: 
 
1) Within 30 days of receiving Your letter, We must tell You that We received 
Y
our 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 
ex
plain 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 
c
ontinue to charge You interest on that amount. 
� While You do not have to pay the amount in question, You are responsible 
f
or the remainder of Your balance. 
� We can apply any unpaid amount against Your Credit Limit. 
 
A
fter 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. 
 
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 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. 
 
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 
w
ith 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.  
 
I
f 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.  
 
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.