CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL 
                               TRUTH-IN-LENDING DISCLOSURE STATEMENTS 
                         THIS  IS  YOUR  CREDIT  CARD  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING 
           PO Box 4044   DISCLOSURE STATEMENTS, PLATINUM VISA, SAVINGS SECURED VISA AND REWARDS VISA AGREEMENTS, AND ANY 
        Beaverton, OR 97076-4044  SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR PLATINUM VISA, SAVINGS SECURED VISA AND REWARDS VISA 
     (503) 626-6600  ? Fax: (503) 350-0126  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 
                        Platinum VISA: _________%     Savings Secured VISA: _________%
    (APR) For Purchases 
                        Rewards VISA: _________%
                           After that this APR will vary with the market based on the Prime Rate.  
    APR for Balance Transfers 
                        Platinum VISA: _________%     Savings Secured VISA: _________%  
                        Rewards VISA: _________%  
                           After that this APR will vary with the market based on the Prime Rate.  
    APR for Cash Advances 
                        Platinum VISA: _________%     Savings Secured VISA: _________%  
                        Rewards VISA: _________%  
                           After that this APR will vary with the market based on the Prime Rate.  
    Paying Interest     Your due date is at least 25 days after the close of each billing cycle. We will not charge You 
                        interest on purchases if You pay Your entire balance by the due date each month. 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 
    Transaction Fees 
     ? Foreign Transaction Fee 1.00% of each transaction in U.S. Dollars. 
    Penalty Fees 
     ? Returned Payment Up to $25.00 
     ? Late Payment     Up to $25.00 
   How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).� See Your 
   Agreement for details. 
   Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Agreement. 
   Copyright Oak Tree Business Systems, Inc., 2008-2017. All Rights Reserved.   Page 1 of 4   OTBS 016CC RMAR (8/17) 
   DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean RIVERMARK COMMUNI TY 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 
   Platinum VISA, Savings Secured VISA and Rewards VISA Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the Platinum 
   VISA, Savings Secured VISA and Rewards 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. 
                              Variable Rate         Daily              ANNUAL 
    Credit Card                                   Periodic Rate     PERCENTAGE RATE 
                           Index    Margin        For Purchases       For Purchases 
    Platinum VISA                                 ___________         ___________ 
    Savings Secured VISA                          ___________         ___________ 
    Rewards VISA         ___________   ___________   ___________      ___________ 
                              Variable Rate         Daily              ANNUAL 
    Credit Card                                   Periodic Rate     PERCENTAGE RATE 
                           Index    Margin      For Balance Transfers  For Balance Transfers 
    Platinum VISA                                 ___________         ___________ 
    Savings Secured VISA                          ___________         ___________ 
    Rewards VISA         ___________   ___________   ___________      ___________ 
                              Variable Rate         Daily              ANNUAL 
    Credit Card                                   Periodic Rate     PERCENTAGE RATE 
                           Index    Margin      For Cash Advances   For Cash Advances 
    Platinum VISA                                 ___________         ___________ 
    Savings Secured VISA                          ___________         ___________ 
    Rewards VISA         ___________   ___________   ___________      ___________ 
   PROMISE TO PAY. You understand that the following terms and conditions found  ACCOUNT  RESTRICTIONS.  In  order  to  receive  and  maintain  a  Savings 
   herein constitute Our Agreement with You. You may request advances on Your  Secured VISA Credit Card, You agree to give Us a specific pledge of funds 
   Account through a variety of means which could include (but may not be limited to)  which will equal Your credit limit. In the event that You default on Your Savings 
   telephonic requests, Convenience Checks, Credit Cards and the like. Regardless  Secured VISA Credit Card, We may apply these funds toward the repayment of 
   of the means by which any advance is made, You promise to pay Us all amounts  any amount owed on such Credit Card. You may cancel Your Savings Secured 
   charged to Your Account by You or by any user who has access to Your Account,  VISA Credit Card at any time by paying any amounts owed on that Credit Card. 
   with  actual,  apparent  or  implied  authority  for  use  of  Your  Account,  including  To be certain that Your entire balance and all advances are paid, any funds 
   Finance Charges and other fees or charges described herein.  pledged may not be available to You for 30 days after You have cancelled and 
                                            any outstanding balance is paid in full. 
   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  LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for 
   institutions. You agree not to use Your Card for illegal transactions including, but  which You are approved. Unless You are in default, the Credit Limits established 
   not limited to, advances made for the purpose of gambling and/or wagering where  for You will generally be self-replenishing as You make payments. You will keep 
   such practices are in violation of applicable state and/or federal law.  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 
   CROSS-COLLATERAL  AS  SECURITY.  Collateral  (other  than  household  advances which caused You to exceed Your Credit Limit. Even if Your unpaid 
   goods or any dwelling used as Your principal residence) given as security  balance is less than Your Credit Limit, You will have no credit available during any 
   under this Agreement or for any other loan You may have with Us will  time that any aspect of Your Account is in default. 
   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  JOINT ACCOUNTS. Each Borrower will be responsible, individually and together, 
   evidencing such debt.                    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 
   LIEN ON FUNDS DEPOSITED AS SECURITY. You acknowledge that You own any  that  any  such  Account  access  device(s)  will  only  be  provided  to  the  primary 
   certificates and/or funds pledged as security and that there are no other liens against  Borrower at the address that We have on file for You. We may refuse to follow any 
   them other than Ours. You agree to perform all acts which are necessary to make Our  instructions which run counter to this provision. 
   security interest in the certificates and/or funds being pledged enforceable. 
                                            MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need 
   VISA PURCHASE MONEY SECURITY. For all purchase money transactions made  only pay the Minimum Monthly Payments, You understand that You have the 
   with Your Card, to the extent permitted by law, You grant Us a security interest in  right to repay at any time without penalty. You also understand that You will only 
   all such personal property purchased with such Card.  be charged periodic Finance Charges to the date You repay Your entire balance. 
                                            You  may  make  larger  payments  without  penalty.  Any  partial  payment  or 
   CONSENSUAL LIEN ON FUNDS DEPOSITED AS SECURITY. You grant and  prepayment will not delay Your next scheduled payment. All payment s to Us 
   consent to a lien on Your funds on deposit with Us (except for IRA and  must be in lawful money of the United States. Except as required by law, We 
   Keogh accounts) and any dividends due or to become due to You from Us  may apply payments in an order of Our choosing. Any unpaid portion of the 
   to the extent You owe on any unpaid Credit Card. If such funds on deposit  Finance Charge will be paid by subsequent payments and will not be added to 
   or dividends due are owned jointly, Our right of set-off and Our consensual  Your principal balance. You understand that any delay in the repayment of Your 
   lien extends to any amount owed to Us by any of the joint owners.  unpaid  balance  will  increase  Your  periodic  Finance  Charges  and  any 
                                            acceleration  in  the  repayment  of  Your  unpaid  balance  will  decrease  Your 
                                            periodic Finance Charges. 
                                            You agree to pay Your minimum monthly payment, which will be established at the 
                                            close of each billing cycle. The minimum monthly payment will be 2.00% of Your 
   Copyright Oak Tree Business Systems, Inc., 2008-2017. All Rights Reserved.   Page 2 of 4   OTBS 016CC RMAR (8/17) 
   outstanding balance or $20.00, whichever is greater, plus any amounts past due  DEFAULT. You will be in default if: (a) You do not make any payment when due; or (b) 
   and any overlimit amounts. If Your outstanding balance is less than $20.00, You  You exceed Your Credit Limit; or (c) You fail to perform any obligation under this 
   agree to pay the balance in full.        Agreement, or any other agreement that You may have with Us; or (d) You should die, 
                                            become involved in any bankruptcy, receivership or custodial proceeding filed by or 
   You may, by separate agreement, authorize Us to charge Your payment directly to  against You; or (e) You have made a false or misleading statement in Your credit 
   Your savings or checking account.        application and/or in Your representations to Us while You owe money on Your 
                                            Account; or (f) A judgment or tax lien should be filed against You or any attachment or 
   FINANCE CHARGES. In the case of any transactions, the balances subject to the  garnishment should be issued against any of Your property or rights, specifically 
   periodic  Finance  Charge  are  the  separate  average  daily  transactions  balances  including anyone starting an action or proceeding to seize any of Your funds on 
   outstanding during the month (including new transactions) for purchases, cash advances  deposit with Us; and/or (g) We believe, in good faith, that Your ability to repay Your 
   and balance transfers. To get each average daily balance, We take the beginning  indebtedness hereunder is or soon will be impaired, time being of the very essence. 
   balance for purchases, cash advances and balance transfers each day, add any new   
   transactions  for  purchases,  cash  advances  and  balance  transfers  (costs  for  debt  Upon any occurrence of default, We may, to the extent permitted by law, cancel 
   cancellation coverage, debit adjustments or other charges, such as collection expenses,  Your rights under this Agreement, require the return of all access devices and 
   as applicable) and subtract any payments, credits and unpaid Finance Charges. This  declare the entire balance of Your Account immediately due and payable, without 
   gives Us the daily balance(s) for purchases, cash advances and balance transfers. Then,  prior notice or demand.  
   We add up the separate daily balances for purchases, cash advances and balance   
   transfers for the billing cycle and divide them by the number of days in the billing cycle to  COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
   arrive at the separate average daily transactions balances for purchases, cash advances  payment on this Account, to the extent permitted by law, You agree to pay all court 
   and balance transfers. The Finance Charge for a billing cycle is computed by multiplying  costs, private process server fees, investigation fees or other costs incurred in 
   each average daily balance subject to a Finance Charge by the applicable Daily Periodic  collection and reasonable attorneys� fees incurred in the course of collecting any 
   Rate times the number of days in the billing cycle, and the sum is the amount of the  amounts owed under this Agreement or in the recovery of any Collateral. 
   Finance Charge owed for the billing cycle being accounted for.   
                                            ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   Your due date is at least 25 days after the close of each billing cycle. You can  We delay enforcing them. We can accept late payments, partial payments or any 
   avoid  Finance  Charges  on  purchases  by  paying  the  full  amount  of  the  entire  other payments, even if they are marked "paid in full" without losing any of Our 
   balance owed each month by the payment due date. Otherwise, the new balance of  rights under this Agreement. If any provision of this or any related agreement is 
   purchases, and subsequent purchases from the date they are posted to Your  determined to be unenforceable or invalid, all other provisions remain in full force 
   Account,  will  be  subject  to  a  Finance  Charge.  Cash  advances  and  balance  and effect. 
   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  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
   transaction is posted to Your Account.   or otherwise have a change of address. 
                                             
   REWARDS VISA VARIABLE RATE. Your Account is subject to a Variable Rate that  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   is based on the highest Prime Rate as published in The Wall Street Journal in effect  delivering to You written notice of the changes as prescribed by the Federal Truth-
   on the 15th day of each calendar month ("Index") plus Our Margin. The Index plus the  In-Lending Act. To the extent permitted by law, the right to change the terms of this 
   Margin equals the Interest Rate. Changes in the Index will cause changes in the  Agreement includes, but is not limited to, the right to change the periodic rate 
   Interest Rate on the 1st day of the billing cycle that immediately follows a change in  applicable to Your unpaid balance and/or future advances. 
   the Index. Increases or decreases in the Interest Rate will cause like increases or   
   decreases  in  the  Finance  Charge  and  will  affect  the  number  of  Your  regularly  DEBT PROTECTION. Debt protection is not required for any extension of credit 
   scheduled payments. Your Interest Rate will never exceed the maximum permitted by  under  this  Agreement.  However,  You  may  purchase  any  debt  protection 
   law, and will apply to Your remaining principal balance.  available through Us and have the costs added to Your outs tanding balance. If 
                                            You elect to do so, You will be given the necessary disclosures and documents 
   OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in  separately. 
   such increments as We may from time to time determine) to Your checking account   
   by an advance on Your Account, subject to this provision and any preference You  INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  which  is  delivered 
   have indicated to Us for clearing any overdraft on Your checking account. Whether or  together with this Agreement or at a later date becomes an integrated part of this 
   not such transfers occur will be controlled by this Agreement. In any event, You hold  Agreement and Disclosure. 
   Us harmless for any and all liability which might otherwise arise if the transfer does not   
   occur. Overdraft protection automatically ceases if this Agreement is ever cancelled or  CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
   terminated or Your Account is in default.  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 
   As disclosed to You previously, all owners of accounts owned jointly are liable for any  accept its terms. 
   overdrafts that may occur on those accounts, regardless of whether or not a benefit   
   occurred and checks cashed against any such account are subject to collectibility from  UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide 
   that account if returned unpaid. All of which means that if this overdraft protection  facts to update information contained in Your original Account application or 
   function is attached to an account owned jointly, then overdraft transfers will be made  other financial information related to You, at Our request. You also agree that 
   even if You are not the party that caused the overdraft to occur in the first place.  We may, from time to time, as We deem necessary, make inquiries pertaining to 
                                            Your employment, credit standing and financial responsibility in accordance with 
   PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing  applicable laws and regulations. You further agree that We may give information 
   all transactions on Your Account including amounts paid and borrowed since Your last  about  the  status  and  payment  history  of  Your  Account  to  consumer  credit 
   statement. We will mail You a statement each month in which there is a debit or credit  reporting  agencies,  a  prospective  employer  or  insurer, or a state or federal 
   balance or when a Finance Charge is imposed. We need not send You a statement if  licensing  agency  having  any  apparent  legitimate  business  need  for  
   We feel Your Account is uncollectible or if We have started collection proceedings  such information.  
   against You because You defaulted. EACH STATEMENT IS DEEMED TO BE A   
   CORRECT  STATEMENT  OF  ACCOUNT  UNLESS  YOU  ESTABLISH  A  BILLING  TERMINATION. Either You or We may cancel Your Account at any time, whether 
   ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.   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. 
   OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under   
   no obligation to honor Your Convenience Checks if: (1) by paying a Convenience  OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
   Check You would exceed Your Credit Limit; (2) Your Convenience Check is post- time without notice. You agree to surrender Your Card and to discontinue its use 
   dated.  We  are  not  responsible,  however,  if  any  such  Convenience  Check  is  immediately upon Our request. 
   honored and, as a result, any other Convenience Check is returned unpaid; (3)   
   Your  Convenience  Checks  have  been  reported  lost  or  stolen;  (4)  Your  ISSUANCE  OF  A  PERSONAL  IDENTIFICATION  NUMBER.  We  will  issue, 
   Convenience Check is not signed by a Borrower under this Agreement; (5) Your  upon  Your  request,  a  Personal  Identification  Number  (PIN)  for  use  with 
   Account has been cancelled or terminated as provided for in this Agreement; (6)  participating Automated Teller Machines (ATMs). This PIN is confidential and 
   Your Convenience Check is written for an amount less than the minimum required  should not be disclosed to anyone. You may use Your PIN to access Your 
   amount; and/or (7) Your Convenience Check is payable to the Credit Union and  Account and all sums advanced will be added to Your Account balance. In the 
   represents payment on the Account that it is drawn on. You may be able to stop  event a use of Your PIN constitutes an Electronic Fund Transfer, the terms 
   payment of a Convenience Check by contacting a Credit Union representative and  and conditions of Your Electronic Fund Transfer Agreement may also affect 
   following the directions that are provided.  Your rights.  
   Copyright Oak Tree Business Systems, Inc., 2008-2017. All Rights Reserved.      Page 3 of 4                                                    OTBS 016CC RMAR (8/17) 
    
   EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other  ?  Account information: Your name and Account number. 
   slips You may sign or receive when using Your Card contain terms, this Agreement  ?  Dollar amount: The dollar amount of the suspected error. 
   is the contract which solely applies to all transactions involving the Card.  ?  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. 
   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  You must contact Us: 
   loss, theft, or possible unauthorized use by calling Us at (800) 452-8502 or (503)   
   626-6600, or by writing to Us at P.O. Box 4044, Beaverton, OR 97076-4044. In any  ?  Within 60 days after the error appeared on Your statement. 
   case, Your liability will not exceed $50.00.  ?  At least three business days before an automated payment is scheduled, if 
                                               You want to stop payment on the amount You think is wrong. 
   REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable   
   for  the  refusal  or  inability  of  merchants,  financial  institutions  and  others  to  You must notify Us of any potential errors in writing. You may call Us, but if You do 
   accept the Cards or Convenience Checks, or electronic terminals to honor the  We are not required to investigate any potential errors and You may have to pay 
   Cards  or  complete  a  Card  withdrawal,  or  for  their  retention  of  the  Cards  or  the amount in question. 
   Convenience Checks.                       
                                                    What Will Happen After We Receive Your Letter 
   FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries and   
   foreign currencies, the exchange rate between the transaction currency and the  When We receive Your letter, We must do two things: 
   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  1)  Within 30 days of receiving Your letter, We must tell You that We received 
   date, which rate may vary from the rate VISA itself receives; or (b) the government- Your letter. We will also tell You if We have already corrected the error. 
   mandated rate in effect for the applicable central processing date. For transactions  2)  Within 90 days of receiving Your letter, We must either correct the error or 
   that are initiated in a foreign currency, You will be charged 1.00% of the final  explain to You why We believe the bill is correct. 
   settlement amount. For transactions occurring in foreign countries and initiated in   
   U.S. Dollars, You will be charged 1.00% of the final settlement amount.  While We investigate whether or not there has been an error: 
                                             
   TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant,  ?  We cannot try to collect the amount in question, or report You as delinquent 
   electronic terminal or financial institution at which transactions were made, but  on that amount. 
   sales, cash advances, credit or other slips cannot be returned with the statement.  ?  The charge in question may remain on Your statement, and We may continue 
                                               to charge You interest on that amount. 
   LATE CHARGE. If Your payment is more than ten days late, You will be charged  ?  While You do not have to pay the amount in question, You are responsible for 
   $25.00 or the amount of the minimum payment due, whichever is less.  the remainder of Your balance. 
                                            ?  We can apply any unpaid amount against Your Credit Limit. 
   OTHER FEES AND CHARGES. You will be charged the following fees associated   
   with the use of Your Card: (a) $25.00 for any check (or other negotiable instrument  After We finish Our investigation, one of two things will happen: 
   used for payment) which is returned unpaid, or the required minimum payment amount   
   for the returned payment, whichever is less; (b) $5.00 for each replacement Card You  ?  If We made a mistake: You will not have to pay the amount in question or any 
   request; (c) $10.00 for each statement or sales draft copy that You request; (d) $25.00  interest or other fees related to that amount. 
   each time You request that We deliver an item on an expedited basis; and (e) $65.00  ?  If We do not believe there was a mistake: You will have to pay the amount 
   each time You fail to return to Us any Cards that are in Your possession after reporting  in question, along with applicable interest and fees. We will send You a 
   a lost or stolen Card, or in the event We terminate Your credit privileges.  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  
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards  You owe. 
   or Convenience Checks, You will immediately call Us at (800) 452-8502 or (503)   
   626-6600, or write to Us at P.O. Box 4044, Beaverton, OR 97076-4044.  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 
   CREDITS. If a merchant who honors Your Card gives You credit for returns or  report You as delinquent without also reporting that You are questioning Your bill. 
   adjustments, they will do so by sending Us a slip which will be posted to Your  We must tell You the name of anyone to whom we reported You as delinquent, and 
   Account. If Your credits and payments exceed what You owe Us, We will hold  We must let those organizations know when the matter has been settled between 
   and apply this credit against future purchases and cash advances, or if it is $1.00  Us. If We do not follow all of the rules above, You do not have to pay the first 
   or more refund it on Your written request or automatically deposit it to Your savings  $50.00 of the amount You question even if Your bill is correct. 
   account after six months.                 
                                              Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
   CONTACT METHODS. You understand and agree that to the extent permitted by   
   applicable law and as an express condition of Our providing the credit represented  If You are dissatisfied with the goods or services that You have purchased with 
   by this Agreement, We may choose to contact You at any wireless, cellular, mobile  Your Credit Card, and You have tried in good faith to correct the problem with 
   or other phone number that You provide or any other number We may obtain. You  the merchant, You may have the right not to pay the remaining amount due on 
   further understand and agree that subject to applicable law, We may contact You  the purchase. To use this right, all of the following must be true: 
   using any other means We choose, including but not limited to text messaging,   
   artificial or prerecorded voice messages and automatic dialing technology. Without  1)  The purchase must have been made in Your home state or within 100 
   limitation, You agree to pay all costs that You may incur as a result of the contact  miles of Your current mailing address, and the purchase price must have 
   method We choose.                           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 
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the  the company that sold You the goods or services.) 
   State of Oregon except to the extent that such laws are inconsistent with controlling  2)  You must have used Your Credit Card for the purchase. Purchases made 
   federal law.                                with  cash advances from an ATM or with a check that accesses Your 
                                               Credit Card account do not qualify. 
         Your Billing Rights: Keep this Document for Future Use  3)  You must not yet have fully paid for the purchase.  
                                             
   This notice tells You about Your rights and Our responsibilities under the Fair  If  all  of  the  criteria  above  are  met  and  You  are  still  dissatisfied  with  the 
   Credit Billing Act.                      purchase, contact Us in writing at Our address shown in this Agreement.  
                                             
         What To Do If You Find A Mistake On Your Statement  While  We  investigate,  the  same  rules  apply  to  the  disputed  amount  as 
                                            discussed  above.  After  We  finish  Our  investigation,  We  will  tell  You  Our 
   If You think there is an error on Your statement, write to Us at Our address shown  decision. At the point, if We think You owe an amount and You do not pay, We 
   in this Agreement. In Your letter, give us the following information:  may report You as delinquent.  
    
    
    
    
    
   Copyright Oak Tree Business Systems, Inc., 2008-2017. All Rights Reserved.      Page 4 of 4                                                    OTBS 016CC RMAR (8/17) 
    
      
                                                               REWARDS VISA 
       Interest Rates and Interest Charges 
                                             11.75% - 22.25% 
       Annual Percentage Rate 
       (APR) for Purchases 
                           Your APR is based on your creditworthiness at the time you open your account.  The 
                           APR will vary based on the Prime Rate as published in The Wall Street Journal. 
       APR for Balance Transfers                11.75% - 22.25% 
       APR for Cash Advances                    11.75% - 22.25% 
       Penalty APR         None 
                           Your due date is at least 25 days after the close of each billing cycle. We will not 
       How to Avoid Paying 
                           charge you any interest on purchases if you pay your entire balance by the due date 
       Interest on Purchases 
                           each month. 
       Minimum Interest Charge  None 
       For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit 
       the Consumer Financial  card, visit the website of the Consumer Financial Protection Bureau at 
       Protection Bureau   http://www.consumerfinance.gov/learnmore. 
                                            
       Fees 
       Annual Fee          None 
       Transaction Fees     
       �    Balance Transfer  None 
       �    Cash Advance   None 
       �    Foreign Transaction  1% of each transaction in U.S. dollars 
       Penalty Fees         
       �    Late Payment   Up to $25 after ten days 
       �    Over-the-Credit Limit  None 
       �    Returned Payment  Up to $25 
                                            
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
     agreement. 
      
                                                              PLATINUM VISA 
      
      
       Interest Rates and Interest Charges 
                                             6.90% - 17.90% 
       Annual Percentage Rate 
       (APR) for Purchases 
                           Your APR is based on your creditworthiness at the time you open your account. 
       APR for Balance Transfers                6.90% - 17.90% 
       APR for Cash Advances                    6.90% - 17.90% 
       Penalty APR         None 
                           Your due date is at least 25 days after the close of each billing cycle. We will not 
       How to Avoid Paying 
                           charge you any interest on purchases if you pay your entire balance by the due date 
       Interest on Purchases  
                           each month. 
       Minimum Interest Charge  None 
       For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit 
       the Consumer Financial  card, visit the website of the Consumer Financial Protection Bureau at 
       Protection Bureau   http://www.consumerfinance.gov/learnmore.  
      
       Fees 
       Annual Fee          None 
       Transaction Fees     
       �    Balance Transfer  None 
       �    Cash Advance   None 
       �    Foreign Transaction  1%  of each transaction in U.S. dollars 
       Penalty Fees         
       �    Late Payment   Up to $25 after 10 days 
       �    Over-the-Credit Limit  None  
       �    Returned Payment  Up to $25  
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
     agreement. 
      
      
                                        SAVINGS SECURED PLATINUM VISA 
                                            
       Interest Rates and Interest Charges 
       Annual Percentage Rate (APR) for 
                                                     10.90% 
       Purchases 
       APR for Balance Transfers                      10.90% 
       APR for Cash Advances                          10.90% 
       Penalty APR               None 
                                 Your due date is at least 25 days after the close of each billing cycle. We 
       How to Avoid Paying Interest on 
                                 will not charge you any interest on purchases if you pay your entire 
       Purchases  
                                 balance by the due date each month. 
       Minimum Interest Charge   None 
       For Credit Card Tips from the  To learn more about factors to consider when applying for or using a 
       Consumer Financial Protection  credit card, visit the website of the Consumer Financial Protection 
       Bureau                    Bureau at http://www.consumerfinance.gov/learnmore.  
      
       Fees 
       Annual Fee                None 
       Transaction Fees           
       �    Balance Transfer     None 
       �    Cash Advance         None 
       �    Foreign Transaction  1%  of each transaction in U.S. dollars 
       Penalty Fees               
       �    Late Payment         Up to $25 after ten days 
       �    Over-the-Credit Limit  None  
       �    Returned Payment     Up to $25  
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
     agreement.