Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases, Balance Transfers 
and Cash Advances 

Paying Interest 

CREDIT CARD AGREEMENT 
AND DISCLOSURE STATEMENT 

THIS  IS  YOUR  CREDIT  CARD  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING 
DISCLOSURE  STATEMENTS,  VISA  PLATINUM  AGREEMENTS,  AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING 
THE  USE OF YOUR VISA  PLATINUM  CREDIT  CARD,  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. 

9.90%  -  16.90%  based  on  Your  creditworthiness  at  the  time  You  open  Your 
Account. 

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 the 
Federal Reserve Board 

To learn more about factors to consider when applying for or using a Credit Card, visit the 
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. 

Fees 

Transaction Fees 

•  Foreign Transaction 

Penalty Fees 

1.00% of each foreign currency transaction in U.S. dollars. 
1.00% of each foreign U.S. Dollar transaction that occurs in a foreign country. 

•  Late Payment 
•  Returned Payment 

$25.00 after 14 days 
$28.00 

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.  

DEFINITIONS.    In  this  Agreement,  the  reference  to  "We",  "Us",  "Our"  and  "Credit  Union"  mean  DFCU  FINANCIAL.  The  words  "You"  and  "Your"  mean  each  person  who 
accepts this Agreement or uses the VISA Platinum Credit Card. The words "Card" and "Credit Card" mean any VISA Platinum Credit  Card issued to You by  Us and any 
duplicates or renewals. “Convenience Checks” mean 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.  Your  account  may  be  accessible  through  a 
variety  of  means  which  could  include  advance  request  forms,  vouchers,  checks, 
charge  slips,  convenience  checks,  Credit  Cards  and  the  like.  Regardless  of  the 
access means, 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. 

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.  Cash  advance 
amounts may be limited. Contact Us for any limitation that may apply to You. 

SECURITY. You acknowledge that You own any shares and/or collateral pledged as 
security and that there are no other liens against them other than Ours. You agree to 
perform  all  acts  which  are  necessary  to  make  Our  security  interest  in  the  shares 
and/or collateral being pledged enforceable. 

OTHER SECURITY. Collateral (other than household goods or any dwelling) given 
as  security  under  this  Agreement  or  for  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.      

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. 

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 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. You understand that any Account access device, 
such  as  a  Personal  Identification  Number  (PIN)  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. 
As permitted by law, the order in which We may apply payments is 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. 

Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. 

Page 1 of 3              

              OTBS 016 CC FRB_WEB DFCU (10/09) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Minimum Payments will be an amount equal to 2.00% of Your new unpaid balance 
at the end of each billing cycle, subject to the lesser of $10.00 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. 

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. 

LATE CHARGE. If Your payment is 15 or more days late, You will be charged $25.  

NOTIFICATION OF  ADDRESS CHANGE.  You will notify Us promptly if  You move 
or otherwise have a change of address. 

OTHER FEES  AND CHARGES. You will be charged the following fees associated 
with  the  use  of  Your  Card:  (a)  $28  for  any  check  (or  other  negotiable  instrument 
used  for  payment)  which  is  returned  unpaid;  (b)  during  any  12-consecutive-month 
period, You will be charged $10 for the first replacement Card You request and $20 
for  each  replacement  Card  You  request  thereafter;  and  (c)  $5  for  each  statement 
copy You request. 

FINANCE CHARGES. In the case of any transactions, the balances subject to the 
periodic  Finance  Charge  are  the  average  daily  transactions  balances  outstanding 
during the month (new and previous). To get the average daily balance, We take the 
beginning  balance  of  Your  account  each  day,  add  any  new  purchases,  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 Monthly Periodic Rate. 

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. 

For  the  applicable  Monthly  Periodic  Rate  and  corresponding  annual 
percentage  rate,  refer  to  the  separate  page  titled  “Additional  Disclosure  — 
Federal  Truth-In-Lending  Act” which  We  have  included with  and made  a  part 
of this Agreement. 

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  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  actual  attorneys’  fees  incurred  in  the  course  of  collecting  any  amounts  owed 
under this Agreement or in the recovery of any collateral. 

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. 

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  Credit  Card,  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. 

GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
State  of  Michigan  except  to  the  extent  that  such  laws  are  inconsistent  with 
controlling federal law. 

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 a Personal 
Identification  Number  (PIN)  for  use  with  participating  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 (800) 654-7728 or by writing to: 
P.O.  Box  31112,  Tampa,  Florida  33631-3112.  In  any  case,  Your  liability  will  not 
exceed $50. 

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. 

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.  

Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. 

Page 2 of 3              

              OTBS 016 CC FRB_WEB DFCU (10/09) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
For  all  transactions,  You  will  be  charged  1.00%  calculated  on  the  final  settlement 
amount.  

YOUR RIGHTS AND OUR RESPONSIBILITIES 
AFTER WE RECEIVE YOUR WRITTEN NOTICE 

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. 

We  must  acknowledge  Your  letter  within  30  days,  unless  We  have  corrected  the 
error  by  then. Within  90 days, We must  either correct the  error or  explain  why We 
believe the statement is correct. 

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
or Convenience Checks, You will immediately call (800) 654-7728 or write to: P.O. 
Box 31112, Tampa, Florida 33631-3112.  

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 six months.   

YOUR BILLING RIGHTS 
KEEP THIS NOTICE FOR FUTURE USE 

This notice contains important information about Your rights and Our responsibilities 
under the Fair Credit Billing Act. 

NOTIFY US IN CASE OF ERRORS 
OR QUESTIONS ABOUT YOUR STATEMENT 

If  You  think  Your  statement  is  wrong,  or  if  You  need  more  information  about  a 
transaction  on  Your  statement,  write  Us  on  a  separate  sheet,  at  P.O.  Box 
31112, Tampa, Florida 33631-3112. Write to Us as soon as possible. We must 
hear  from  You  no  later  than  60  days  after  We  sent  You  the  first  statement  on 
which  the  error  or  problem  appeared.  You  can  telephone  Us,  but  doing  so  will 
not preserve Your rights. 

In Your letter, give Us the following information: 
—   Your Name and account number. 
—   Dollar amount of the suspected error. 
—   Describe the error and explain, if You can, why You believe there is an error. If 

After We receive Your letter, We cannot try to collect any amount You question, or 
report You as delinquent. We can continue to bill You for the amount You question, 
including  Finance  Charges,  and  We  can  apply  any  unpaid  amount  against  Your 
Credit  Limit.  You  do  not  have  to  pay  any  questioned  amount  while  We  are 
investigating, but You are still obligated to pay the parts of Your statement that are 
not in question. 

If We find that We made a mistake on Your statement, You will not have to pay any 
Finance  Charges  related  to  any  questioned  amount.  If  We  didn't  make  a  mistake, 
You may have to pay Finance Charges, and You will have to make up any missed 
payments on the questioned amount. In either case, We will send You a statement 
of the amount You owe and the date that it is due. 

If  You  fail  to  pay  the  amount  that  We  think  You  owe,  We  may  report  You  as 
delinquent.  However,  if  Our  explanation  does  not  satisfy  You  and  You  write  to  Us 
within  10  days  telling  Us  that  You  still  refuse  to  pay,  We  must  tell  anyone  We 
reported  You  to  that  You  have  a  question  about  Your  statement  and  We  must  tell 
You the name of anyone We reported You to. We must tell anyone We reported You 
to that the matter has been settled between Us when it finally is. 

If  We  don't  follow  these  rules,  We  can't  collect  the  first  $50  of  the  questioned 
amount, even if Your statement is correct. 

SPECIAL RULE FOR CREDIT CARD PURCHASES 

If  You  have  a  problem  with  the  quality  of  property  or  services  that  You  purchased 
with a 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 
property or services. There are two limitations on this right: 

a.  You  must  have  made  the  purchase  in  Your  home  state,  or,  if  not  within  Your 

You need more information, describe the item You are not sure about. 

home state, within 100 miles of Your current mailing address; and 

If  You  have  authorized  Us  to  pay  Your  bill  automatically  from  Your  share  or  share 
draft account, You can stop the payment on any amount You think is wrong. To stop 
the  payment,  Your  letter  must  reach  Us  at  P.O.  Box  6048,  Dearborn,  MI  48121, 
three business days before the automatic payment is scheduled to occur. 

b.  The purchase price must have been more than $50. 

These limitations do not apply if We own or operate the merchant, or if We mailed 
You the advertisement for the property or services. 

Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. 

Page 3 of 3              

              OTBS 016 CC FRB_WEB DFCU (10/09) 

 
 
 
 
  
      
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
PRICING INFORMATION ADDENDUM –  
CREDIT CARD AGREEMENT 
AND DISCLOSURE STATEMENT 

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA PLATINUM CREDIT CARD 
AGREEMENT  AND  DISCLOSURE.  PLEASE  BE  SURE  TO  READ  THIS  ADDENDUM  CAREFULLY  AND  NOTIFY  US 
AT ONCE IF ANY PARTS ARE UNCLEAR. 

9.90%  -  16.90%  based  on  Your  creditworthiness  at  the  time  You  open  Your 
Account. 

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. 

1.00% of each foreign currency transaction in U.S. dollars. 
1.00% of each foreign U.S. Dollar transaction that occurs in a foreign country. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases, Balance 
Transfers and Cash Advances 

Paying Interest 

Fees 

Transaction Fees 

•  Foreign Transaction 

Penalty Fees 

•  Late Payment 
•  Returned Payment 

$25.00 after 14 days 
$28.00 

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.  

FINANCE CHARGES. In the case of any transactions, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during 
the  month  (new  and  previous).  To  get  the  average  daily  balance,  We  take  the  beginning  balance  of  Your  account  each  day,  add  any  new  purchases,  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 Monthly Periodic Rate. 

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. 

The Monthly Periodic Rate that will apply to Your unpaid VISA Platinum balance will be 0.8250% - 1.4083% (corresponding  ANNUAL PERCENTAGE RATE of 
9.90% - 16.90%), based on Your creditworthiness at the time You open Your Account. 

Copyright Oak Tree Business Systems, Inc., 2010. All Rights Reserved. 

            OTBS 016A CC FRB_WEB DFCU (10/09)