Common use of Joint Accounts Clause in Contracts

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. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of Our choosing. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature

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 Except for VISA, any partial payment or prepayment will not delay Your next scheduled payment. For VISA, any partial payment or prepayment will be applied toward future payments, except to the extent that Your next scheduled payment may not be advanced by more than two months at any one time. All payments to Us must be in lawful money of the United States. We may apply each payment to whichever Feature Category We wish. For all Feature Categories (except MasterCardVISA), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required As permitted by law, the order in which We may apply MasterCard VISA payments in an order of is at Our choosingdiscretion. 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. Overdraft MyPayToday Minimum Monthly Payments will be established at the time of each advance at an amount equal to 50.00% of Your then unpaid principal balance, plus all accrued yet unpaid finance charges as of the close of each billing cycle. Line of Credit Minimum Monthly Payments will be established at the close of each billing cycle at an amount equal to 5.004.00% of Your Credit Limitthen outstanding balance, 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. MasterCard SecuredVISA Classic, VISA Secured and MasterCard Platinum VISA Gold Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard SecuredVISA Classic, VISA Secured or MasterCard Platinum VISA Gold balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any FeatureShare Draft Account.

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 Credit Card We wish. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, the order in which We may apply MasterCard payments in an order of is at Our choosingdiscretion. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit LimitWorld Mastercard, subject to the lesser of $25.00 or Your balance. MasterCard SecuredMastercard Platinum, Mastercard Platinum Rewards and MasterCard Mastercard Platinum Secured Minimum Payments will be an amount equal to 2.003.00% of Your new unpaid MasterCard SecuredWorld Mastercard, Mastercard Platinum, Mastercard Platinum Rewards or MasterCard Mastercard Platinum Secured Account balance at the end of each billing cycle, subject to the lesser of $15.00 26.00 or Your balance, plus any portion of the Minimum Payments shown on prior statement(s) which remains unpaid, plus any amount that exceeds Your any approved Credit Limit. You may, by separate agreement, authorize Us to charge an amount equal to: (a) the Minimum Periodic Payment shown on Your payment directly to Periodic Billing Statement; (b) a set amount not less than 3.00% of Your share approved Credit Limit; or share draft account. LATE CHARGE (EXCEPT MASTERCARD)c) the total New Balance shown on Your Periodic Billing Statement. If Your payment is more than 10 days past dueYou authorize Us to do this, You the amount designated in such agreement will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of deducted automatically from Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made checking or credits given under any FeatureRegular Savings account with Us or Your checking account at another institution.

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. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of at Our choosingdiscretion. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard SecuredVISA Platinum, VISA Platinum (with Intro Rate on Balance Transfers), or MasterCard Secured VISA Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

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. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of at Our choosingdiscretion. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.003.00% of Your new unpaid MasterCard SecuredVISA Platinum, VISA Platinum Rewards or MasterCard Secured VISA Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 30.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

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 Card We wish. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of at Our choosingdiscretion. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit LimitVISA, subject to the lesser of $25.00 or Your balance. MasterCard Secured, VISA Rewards and MasterCard Platinum VISA Signature Cash Back Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

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 Card type We wish. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of at Our choosingdiscretion. 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. Overdraft Line of VISA Gold Rate Advantage, VISA Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Builder Advantage, VISA Secured Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard SecuredBuilder Advantage, and MasterCard Platinum VISA Advantage Rewards Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard SecuredVISA Gold Rate Advantage, VISA Credit Builder Advantage, VISA Secured Credit Builder Advantage, or MasterCard Platinum VISA Advantage Rewards balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

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. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of Our choosing. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, Secured and MasterCard Platinum Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard Secured, Secured or MasterCard Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any FeatureFeature Category. The Finance Charge begins to accrue on the date of each advance and there is no grace period. HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT MASTERCARD). For all Feature Categories (except MasterCard), the Finance Charge is determined by multiplying Your unpaid balance at the close of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. The unpaid balance is the balance each day after payments, credits, and unpaid Finance Charges to that balance have been subtracted and any new advances, insurance premiums or other charges have been added to Your unpaid balance. These daily Finance Charges are then added together and the sum is the amount of the Finance Charge owed for the Feature Category being accounted for. The total Finance Charge You owe on Your Account for each billing cycle is the sum of all the Finance Charges due for all applicable Feature Categories.

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. Unless instructed otherwise, We may apply each payment to whichever Feature Category Card We wish. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, the order in which We may apply MasterCard payments in an order of is at Our choosingdiscretion. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit LimitPlatinum Mastercard®, subject to the lesser of $25.00 or Your balance. MasterCard SecuredPremium World™ Mastercard®, and MasterCard Secured Platinum Mastercard® Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard SecuredPlatinum Mastercard®, Premium World™ Mastercard®, or MasterCard Secured Platinum Mastercard® balance at the end of each billing cycle, subject to the lesser of $15.00 20.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

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. For all Feature Categories (except MasterCardVISA), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required As permitted by law, We may apply MasterCard VISA payments in an order of at Our choosingdiscretion. 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. Overdraft Personal Line of Credit Minimum Monthly Payments will be established and fixed at the time of each advance at an amount equal to 5.003.00% of Your Credit Limitthen outstanding balance, subject to the lesser of $25.00 or Your balance. MasterCard SecuredStep Up Loan Minimum Monthly Payments will be an amount equal to the lesser of $101.00 or Your balance. VISA Platinum Basic, VISA Platinum, and MasterCard VISA Platinum Basic Secured Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard SecuredVISA Platinum Basic, VISA Platinum, or MasterCard VISA Platinum Basic Secured balance at the end of each billing cycle, subject to the lesser of $15.00 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. VISA Platinum Elite Minimum Payments will be an amount equal to 2.50% of Your new unpaid VISA Platinum Elite 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. VISA Platinum Rewards Minimum Payments will be an amount equal to 3.00% of Your new unpaid VISA Platinum Rewards balance at the end of each billing cycle, subject to the lesser of $30.00 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. LATE CHARGE (EXCEPT MASTERCARDVISA). If Your payment is more than 10 days past duelate, You will be charged $15.0025.00. ANNUAL MEMBERSHIP FEE (STEP UP LOAN). Beginning with the week in which such Feature Category is established You will be charged $3.00 weekly ($156.00 annually) in order to continue credit availability. You agree and understand that each such installment will automatically be deducted from Your primary share account. OVERDRAFT PROTECTION FEE (PERSONAL LINE OF CREDIT). You will be charged a fee for each advance made to Your share draft account for the purpose of clearing an overdraft. The fee will be an amount equal to 2.00% of the amount advanced or $10.00, whichever is less. FINANCE CHARGES (EXCEPT MASTERCARDVISA). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any FeatureFeature Category. The Finance Charge begins to accrue on the date of each advance and there is no grace period. HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA). For all Feature Categories (except VISA), the Finance Charge is determined by multiplying Your unpaid balance at the close of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. The unpaid balance is the balance each day after payments, credits, and unpaid Finance Charges to that balance have been subtracted and any new advances, insurance premiums or other charges have been added to Your unpaid balance. These daily Finance Charges are then added together and the sum is the amount of the Finance Charge owed for the Feature Category being accounted for. The total Finance Charge You owe on Your Account for each billing cycle is the sum of all the Finance Charges due for all applicable Feature Categories.

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 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 Interest Charges to the date that You repay Your entire balance. You may make larger payments without penalty. Any partial payment or prepayment will not delay Your next scheduled schedule 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. For all Feature Categories (except MasterCard), payments Payments made in excess of the Total Minimum Payment Due will be applied first to any Late Charges owing, then to the Finance Charge due, then balance with the highest Annual Percentage Rate and any remaining portion to the outstanding principal balanceother remaining balances in descending order based on the applicable Annual Percentage Rate. Except as required by law, We may apply MasterCard payments in an order Your Payment Due Date will remain the same day of Our choosingthe month and will be at least 25 days from the close of the billing cycle. Any unpaid portion of the Finance Interest 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 Interest Charges and any acceleration in the repayment of Your unpaid balance will decrease Your periodic Finance Interest Charges. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.002.50% of Your new unpaid MasterCard Secured, or MasterCard Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 50.00 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 savings or share draft checking account. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

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 Your Account at any time without penalty. You also understand that You will only be charged periodic Finance Charges to the date You repay Your entire Account balance. You may make larger payments without penalty. Any partial payment or prepayment of Your Account 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. For all Feature Categories (except MasterCardVISA), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by lawVISA payments will be applied in the following order: (a) any Finance Charges due; (b) any fees owing; (c) the Minimum Payment due for cash advances; (d) the Minimum Payment due for balance transfers; (e) the Minimum Payment due for purchases; (f) the balance for cash advances; (g) the balance for balance transfers; and then to (h) the balance for purchases. Any amounts paid in excess of the Minimum Monthly Payment will first be applied to the balance bearing the highest rate of interest, We may apply MasterCard payments in an order and then to each successive balance bearing the next highest rate of Our choosinginterest, until the payment is depleted. 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. Overdraft Fixed Rate Signature Line of Credit and Variable Rate Signature Line of Credit Minimum Monthly Payments will be an amount equal established at the time of each advance according to 5.00% of Your Credit Limit, the following table and are subject to the lesser of $25.00 the payment shown or Your Account balance: Fixed Rate Signature Line of Credit You may, by separate agreement, authorize Us to charge Your payment directly Outstanding Minimum to Your share or share draft account. Account Balance Monthly Payment $ 0.00 to 1,000.99 $ 50.00 LATE CHARGES (EXCEPT FOR VISA). If Your payment is 10 or more days late, $ 1,001.00 to 2,000.99 $ 100.00 You will be charged 20.00% of the interest due with a minimum of $0.05. $ 2,001.00 to 3,000.99 $ 125.00 $ 3,001.00 to 4,000.99 $ 150.00 FINANCE CHARGES (EXCEPT FOR VISA TRANSACTIONS). A Finance $ 4,001.00 to 5,000.99 $ 175.00 Charge will be assessed on any unpaid principal balances for each Feature $ 5,001.00 to 6,000.99 $ 225.00 Category of Your Account for the period such balances are outstanding. Balances $ 6,001.00 to 7,000.99 $ 275.00 change each time advances are made, payments are made or credits given $ 7,001.00 to 8,000.99 $ 300.00 under any Feature Category. The Finance Charge begins to accrue on the date of $ 8,001.00 to 9,000.99 $ 325.00 each advance and there is no grace period. $ 9,001.00 to 10,000.99 $ 350.00 $ 10,001.00 to 11,000.99 $ 400.00 HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT FOR VISA $ 11,001.00 to 12,000.99 $ 425.00 TRANSACTIONS). For all Feature Categories (except VISA), the Finance Charge is $ 12,001.00 to 13,000.99 $ 450.00 determined by multiplying Your unpaid balance at the close of each day in the billing $ 13,001.00 to 14,000.99 $ 500.00 cycle being accounted for by the applicable Daily Periodic Rate. The unpaid balance $ 14,001.00 to 15,000.99 $ 525.00 is the balance each day after payments, credits, and unpaid Finance or Late $ 15,001.00 to 16,000.99 $ 575.00 Charges to that balance have been subtracted and any new advances, insurance $ 16,001.00 to 17,000.99 $ 600.00 premiums or other charges have been added to Your unpaid balance. MasterCard These daily $ 17,001.00 to 18,000.99 $ 625.00 Finance Charges are then added together and the sum is the amount of the Finance $ 18,001.00 to 19,000.99 $ 675.00 Charge owed for the Feature Category being accounted for. The total Finance $ 19,001.00 to 20,000.99 $ 700.00 Charge You owe on Your Account for each billing cycle is the sum of all the Finance $ 20,001.00 to 21,000.99 $ 750.00 Charges due for all applicable Feature Categories. $ 21,001.00 to 22,000.99 $ 775.00 $ 22,001.00 to 23,000.99 $ 800.00 VISA FINANCE CHARGES. In the case of any transactions under Your VISA $ 23,001.00 to 24,000.99 $ 850.00 Classic, Secured VISA Classic or VISA Platinum Feature Categories, the balances subject to the periodic Finance Charge are the average daily Fixed Rate Signature Line of Credit transactions balances outstanding during the month (including new transactions). Outstanding Minimum To get the average daily balance, We take the beginning balance each day, add Account Balance Monthly Payment any new purchases, balance transfers, cash advances, insurance premiums, $ 24,001.00 to 25,000.99 $ 875.00 debit adjustments or other charges and subtract any payments, credits and $ 25,001.00 to 26,000.99 $ 900.00 unpaid Finance or Late Charges. This gives Us the daily balance. Then, We add $ 26,001.00 to 27,000.99 $ 950.00 up all the daily balances for the billing cycle and divide them by the number of $ 27,001.00 to 28,000.99 $ 975.00 days in the billing cycle. The Finance Charge for a billing cycle is computed by $ 28,001.00 to 29,000.99 $ 1,025.00 multiplying the average daily balance subject to a Finance Charge by the Monthly $ 29,001.00 to 30,000.99 $ 1,050.00 Periodic Rate. Variable Rate Signature Line of Credit You can avoid Finance Charges on purchases by paying the full amount of the Outstanding Minimum entire balance owed each month within 25 days of Your statement closing date. Account Balance Monthly Payment Otherwise, the new balance of purchases, and subsequent purchases from the $ 0.00 to 2,000.99 $ 50.00 date they are posted to Your Account, will be subject to a Finance Charge. Cash $ 2,001.00 to 3,000.99 $ 75.00 advances and balance transfers are always subject to a Finance Charge from the $ 3,001.00 to 4,000.99 $ 100.00 date they are posted to Your Account. $ 4,001.00 to 5,000.99 $ 125.00 $ 5,001.00 to 6,000.99 $ 150.00 VARIABLE RATE SIGNATURE LINE OF CREDIT. Variable Rate Signature Line $ 6,001.00 to 7,000.99 $ 175.00 of Credit advances are subject to a Variable Rate which is based on the highest $ 7,001.00 to 8,000.99 $ 200.00 Prime Rate as published in the Money Rates Section of The Wall Street Journal $ 8,001.00 to 9,000.99 $ 225.00 on the first business day of each month of each year ("Index") plus Our $ 9,001.00 to 10,000.99 $ 250.00 ("Margin"). The Index plus the Margin equals the Interest Rate. Increases or $ 10,001.00 to 11,000.99 $ 275.00 decreases in the Interest Rate will cause like increases or decreases in the $ 11,001.00 to 12,000.99 $ 300.00 Finance Charge and will effect the number of Your scheduled payments. $ 12,001.00 to 13,000.99 $ 325.00 Changes in the Interest Rate will take affect on the first business day of each $ 13,001.00 to 14,000.99 $ 350.00 month of each year following any change in the Index. Interest Rate changes are $ 14,001.00 to 15,000.99 $ 375.00 limited to one half of one percentage point per month and 3.00 percentage points $ 15,001.00 to 16,000.99 $ 400.00 in any given year. In any case, Your Interest Rate will never be greater than the $ 16,001.00 to 17,000.99 $ 425.00 lesser of 8.00 percentage points above Your initial Interest Rate or 18.00%. $ 17,001.00 to 18,000.99 $ 450.00 $ 18,001.00 to 19,000.99 $ 475.00 VARIABLE RATE CERTIFICATE SECURED. Certificate Secured advances are $ 19,001.00 to 20,000.99 $ 475.00 subject to a Variable Rate which is based on the rate paid on the Certificate $ 20,001.00 to 21,000.99 $ 500.00 pledged as security as of the date such Feature Category is established and, $ 21,001.00 to 22,000.99 $ 525.00 subsequently, when the rate paid on the pledged Certificate changes (“Index”) $ 22,001.00 to 23,000.99 $ 550.00 plus Our (“Margin”). The Index plus the Margin equals the Interest Rate. $ 23,001.00 to 24,000.99 $ 575.00 Increases or decreases in the Interest Rate will cause like increases or $ 24,001.00 to 25,000.99 $ 600.00 decreases in the Finance Charge and will affect the number of Your scheduled $ 25,001.00 to 26,000.99 $ 625.00 payments. Changes in the Interest Rate will take affect on the day of any change $ 26,001.00 to 27,000.99 $ 650.00 in the Index. Your Interest Rate will never be greater than 18.00%. $ 27,001.00 to 28,000.99 $ 675.00 $ 28,001.00 to 29,000.99 $ 700.00 RATE INFORMATION. For the current Index, Margin, Daily and/or Monthly $ 29,001.00 to 30,000.99 $ 725.00 Periodic Rates and the corresponding ANNUAL PERCENTAGE RATES for all Feature Categories, refer to the separate page titled “Additional Disclosure - Personal Property Secured, Share Secured and MasterCard Certificate Secured Minimum Monthly Payments will be disclosed to You at the time of each advance on a separate page titled “Credit Line Account Advance Request and Security Agreement.” VISA Classic, Secured VISA Classic and VISA Platinum Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard SecuredVISA Classic, Secured VISA Classic or MasterCard VISA Platinum Account balance at the end of each billing cycle, subject to the lesser a minimum of $15.00 or Your balance10.00, 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

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. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of at Our choosingdiscretion. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit LimitStudent VISA, subject to the lesser of $25.00 or Your balance. MasterCard Secured, Platinum VISA Rewards and MasterCard Platinum VISA Cash Back Minimum Payments will be an amount equal to 2.002.50% of Your new unpaid MasterCard SecuredStudent VISA, Platinum VISA Rewards or MasterCard Platinum VISA Cash Back balance at the end of each billing cycle, subject to the lesser of $15.00 20.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

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 Overdraft 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. Any partial payment or prepayment will not delay Your next scheduled payment. 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. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of Our choosing. 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. We may apply each payment to whichever Feature Category We wish. For Overdraft Line of Credit Credit, payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. As permitted by law, We may apply VISA Platinum payments at Our discretion. All payments to Us must be in lawful money of the United States. For Overdraft Line of Credit, Minimum Monthly Payments will be determined by Your maximum approved Credit Limit. For Credit Limits of $500.00, Your Minimum Monthly Payment will be an amount equal to 5.00the lesser of $50.00 or Your outstanding 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. For Credit Limits of $1,000.00, Your Minimum Monthly Payment will be an amount equal to the lesser of $100.00 or Your outstanding 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. For VISA Platinum, Minimum Monthly Payments will be established at the close of each billing cycle at an amount equal to 2.50% of Your Credit Limitthen outstanding balance, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 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. For Overdraft Line of Credit Feature Categories, Minimum Monthly Payments will be automatically debited from Your share draft account. If there are insufficient available funds in Your share draft account, then funds will be automatically transferred from Your share account to Your share draft account with Us. For all other Feature Categories, You may, by separate agreement, authorize Us to charge Your payment directly to Your share or share draft account. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

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. For all Feature Categories (except MasterCardVISA), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, the order in which We may apply MasterCard VISA payments in an order of is at Our choosingdiscretion. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum ReadyLine Minimum Payments will be an amount equal to 2.003.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum ReadyLine balance at the end of each billing cycle, subject to the lesser of $15.00 20.00 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. StretchPay® Line of Credit Minimum Payments will be disclosed to You at the time of each advance on a separate page titled "Credit Line Account Advance Request and Security Agreement." VISA 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 $20.00 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. LATE CHARGE (EXCEPT MASTERCARDFOR VISA). If Your payment is 10 or more than 10 days past duelate, You will be charged 5.00% of the payment due. OTHER FEES AND CHARGES (EXCEPT FOR VISA). For all Feature Categories (except VISA), You will be charged a $15.0075.00 FINANCE CHARGE each time You request and We agree to lower the periodic rate and corresponding Annual Percentage Rate applicable to such Feature Category. STRETCHPAY® LINE OF CREDIT ANNUAL MEMBERSHIP FEE. StretchPay® Line of Credit Accountholders with approved Credit Limits of $150.00 will be charged a $25.00 Annual Membership Fee for continued participation in the StretchPay® Line of Credit program. StretchPay® Line of Credit Accountholders with approved Credit Limits of $250.00 will be charged a $35.00 Annual Membership Fee for continued participation in the StretchPay® Line of Credit program. StretchPay® Line of Credit Accountholders with approved Credit Limits of $500.00 will be charged a $70.00 Annual Membership Fee for continued participation in the StretchPay® Line of Credit program. This fee is required each year to continue credit availability whether or not You use Your Account throughout the year. FINANCE CHARGES (EXCEPT MASTERCARDFOR VISA). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any FeatureFeature Category. The Finance Charge begins to accrue on the date of each advance and there is no grace period. HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT FOR VISA). For all Feature Categories (except for VISA), the Finance Charge is determined by multiplying Your unpaid balance at the close of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. The unpaid balance is the balance each day after payments, credits, and unpaid Finance Charges to that balance have been subtracted and any new advances, insurance premiums or other charges have been added to Your unpaid balance. These daily Finance Charges are then added together and the sum is the amount of the Finance Charge owed for the Feature Category being accounted for. The total Finance Charge You owe on Your Account for each billing cycle is the sum of all the Finance Charges due for all applicable Feature Categories.

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. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of Our choosing. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any FeatureFeature Category. The Finance Charge begins to accrue on the date of each advance and there is no grace period. HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT MASTERCARD). For all Feature Categories (except MasterCard), the Finance Charge is determined by multiplying Your unpaid balance at the close of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. The unpaid balance is the balance each day after payments, credits, and unpaid Finance Charges to that balance have been subtracted and any new advances, insurance premiums or other charges have been added to Your unpaid balance. These daily Finance Charges are then added together and the sum is the amount of the Finance Charge owed for the Feature Category being accounted for. The total Finance Charge You owe on Your Account for each billing cycle is the sum of all the Finance Charges due for all applicable Feature Categories. MASTERCARD FINANCE CHARGES. In the case of any transactions under Your MasterCard Secured and MasterCard Platinum Feature Categories, 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, cash advances, balance transfers, 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. Your due date is at least 21 days after the close of each billing cycle. You can avoid Finance Charges on purchases by paying the entire balance owed by the due date each month. 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 such transaction is posted to Your Account. MASTERCARD VARIABLE RATE. MasterCard advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal in effect on the last day of May and November of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle in January and July of each year. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 20.99% and will apply to Your remaining principal balance. OVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or in such increments as We may from time to time determine) to Your share draft account by an advance on Your Overdraft Line of Credit Feature Category, subject to this provision, to clear any Overdraft on Your share draft account. Whether or not such transfers occur will be controlled by this Agreement. In any event, You hold 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 terminated or 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. For all Feature Categories (except MasterCardVISA), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required As permitted by law, We may apply MasterCard VISA payments in an order of at Our choosingdiscretion. 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. Line of Credit and Overdraft Line of Credit Minimum Monthly Payments will be established and fixed at the time of each advance at an amount equal to 5.002.50% of Your Credit Limitthen current credit limit, subject to the lesser of $25.00 or Your Account balance, whichever is less. MasterCard SecuredVISA, and MasterCard Platinum Secured VISA Minimum Monthly Payments will be an amount equal to 2.002.50% of Your new unpaid MasterCard SecuredVISA, or MasterCard Platinum and Secured VISA Account balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE (EXCEPT MASTERCARDVISA). If Your Up to $25, or our current late fee according to our then current fee schedule, or the maximum allowed by law RETURNED CHECK CHARGE (EXCEPT VISA). Up to $25, or our current returned payment is more than 10 days past duefee according to our then current fee schedule, You will be charged or the maximum allowed by law, or the amount of the minimum due OVER-THE-CREDIT LIMIT FEE. Up to $15.00. 20, or our current over-the-credit limit fee according to our then current fee schedule, or the maximum allowed by law, or the amount of the minimum due FINANCE CHARGES (EXCEPT MASTERCARDFOR VISA). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any FeatureFeature Category. The Finance Charge begins to accrue on the date of each advance and there is no grace period. HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT FOR VISA). For all Feature Categories, except VISA, the Finance Charge is determined by multiplying Your unpaid balance at the close of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. The unpaid balance is the balance each day after payments, credits, and unpaid Finance Charges to that balance have been subtracted and any new advances, insurance premiums or other charges have been added to Your unpaid balance. These daily Finance Charges are then added together and the sum is the amount of the Finance Charge owed for the Feature Category being accounted for. The total Finance Charge You owe on Your Account for each billing cycle is the sum of all the Finance Charges due for all applicable Feature Categories.

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. For all Feature Categories (except MasterCardVISA), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, the order in which We may apply MasterCard VISA payments in an order of is at Our choosingdiscretion. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit LimitVISA Classic, subject to the lesser of $25.00 or Your balance. MasterCard Secured, VISA Classic Secured and MasterCard VISA Platinum Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard SecuredVISA Classic, VISA Classic Secured or MasterCard VISA Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 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. Revolving Sooper Credit Minimum Monthly Payments will be established at the close of each billing cycle at an amount equal to 2% of the then unpaid principal balance (the sum of which will be rounded up to the nearest $1.00), subject to the lesser of $20.00 or Your balance. You may, by separate agreement, authorize Us to charge Your payment directly to Your share or share draft account. LATE CHARGE (EXCEPT MASTERCARDFOR VISA). If Your payment is 15 or more than 10 days past duelate, You will be charged $15.0025.00. FINANCE CHARGES (EXCEPT MASTERCARDFOR VISA). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any FeatureFeature Category. The Finance Charge begins to accrue on the date of each advance and there is no grace period. HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT FOR VISA). For all Feature Categories (except for VISA), the Finance Charge is determined by multiplying Your unpaid balance at the close of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. The unpaid balance is the balance each day after payments, credits, and unpaid Finance Charges to that balance have been subtracted and any new advances, insurance premiums or other charges have been added to Your unpaid balance. These daily Finance Charges are then added together and the sum is the amount of the Finance Charge owed for the Feature Category being accounted for. The total Finance Charge You owe on Your Account for each billing cycle is the sum of all the Finance Charges due for all applicable Feature Categories.

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. For all Feature Categories (except MasterCardVISA), payments will be applied first to the Finance Charge due, then to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required As permitted by law, We may apply MasterCard VISA payments in an order of at Our choosingdiscretion. 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. Overdraft Line of Credit Minimum Monthly Payments will be established at the close of each billing cycle at an amount equal to 5.00% of Your Credit Limitthen outstanding balance, subject to the lesser of $25.00 35.00 or Your balance. MasterCard Secured, VISA Platinum and MasterCard VISA Platinum Rewards Rate Minimum Payments will be an amount equal to 2.002.50% of Your new unpaid MasterCard Secured, or MasterCard VISA Platinum and VISA Platinum Rewards balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE (EXCEPT MASTERCARDVISA). If Your payment is more than 10 15 days past duelate, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

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. For all Feature Categories (except MasterCardMastercard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required As permitted by law, We may apply MasterCard Mastercard payments in an order of at Our choosingdiscretion. 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. Overdraft Cost of Living Line of Credit, Gold Revolving Line of Credit, and Revolving Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard SecuredCost of Living Line of Credit, Revolving Line of Credit, or MasterCard Platinum Gold Revolving Line of Credit balance at the end of each billing cycle, subject to the lesser of $15.00 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. Mastercard Minimum Payments will be an amount equal to 2.00% of Your new unpaid Mastercard balance at the end of each billing cycle, subject to the lesser of $20.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 20 days past duelate, You will be charged the greater of $15.0015.00 or 5.00% of the payment due, subject to a $35.00 maximum. RETURNED CHECK CHARGE (EXCEPT MASTERCARD). You will be charged $27.50 for any check (or other negotiable instrument used for payment) that is returned unpaid. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under given. The Finance Charge begins to accrue on the date of each advance and there is no grace period. HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT MASTERCARD). The Finance Charge is determined by multiplying Your unpaid balance at the close of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. The unpaid balance is the balance each day after payments, credits, and unpaid Finance Charges to that balance have been subtracted and any Featurenew advances, or other charges have been added to Your unpaid balance. These daily Finance Charges are then added together and the sum is the amount of the Finance Charge owed for the Feature Category being accounted for. The total Finance Charge You owe on Your Account for each billing cycle is the sum of all the Finance Charges due for all applicable Feature Categories.

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. For all Feature Categories (except MasterCard), payments Payments will be applied first to in the following order: (a) any Finance Charges due; (b) any other fees and charges owing; (c) any Late Charges owing, ; and then to (d) the Finance Charge duebalance bearing the lowest rate of interest, and then to each successive balance bearing the outstanding principal balancenext lowest rate of interest, until the minimum payment is depleted. Except as required As permitted by law, We may apply MasterCard payments any amounts paid in an order excess of Our choosingthe Minimum Monthly Payment will first be applied to the balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is depleted. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.003.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 20.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

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 dentification 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. For all Feature Categories (except MasterCardVISA), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required As permitted by law, We may apply MasterCard VISA payments in an order of at Our choosingdiscretion. 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. Overdraft Line of Credit Minimum Monthly Payments will be established at the close of each billing cycle at an amount equal to 5.003.00% of Your then unpaid Overdraft Line of Credit Limitprincipal balance, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 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. VISA Classic and VISA Onyx Minimum Payments will be an amount equal to 3.00% of Your new unpaid VISA Classic or VISA Onyx 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. For Overdraft Line of Credit, in order to establish such Feature Category and maintain credit availability You must authorize Us, by separate agreement, to charge Your payment directly to Your primary share account on the scheduled due date each month. For VISA, You may, by separate agreement, authorize Us to charge Your payment directly to Your share or share draft account. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

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. ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured VISA Credit Card, You agree to give Us a specific pledge of shares or certificates which will equal Your credit limit. In the event that You default on Your Account, We may apply these shares or certificates toward the repayment of any amount owed on Your Secured VISA Credit Card. To be certain that Your entire balance and all advances on Your Account are paid, any shares or certificates pledged may not be available to You for 30 days after You have cancelled Your Account and paid Your balance in full. In the event the Shares being pledged for Your Secured VISA Credit Card are in the form of a Term Share Certificate, any such certificates must be renewed until Your outstanding Account balance is paid in full. Failure to renew any certificates securing any advance will cause Your entire outstanding Account balance to become immediately due and payable. MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only pay the Minimum Monthly Payments, You understand that You have the right to repay Your Account at any time without penalty. You also understand that You will only be charged periodic Finance Charges to the date You repay Your entire Account balance. You may make larger payments without penalty. Any partial payment or prepayment of Your Account will not delay Your next scheduled paymentpayment(s) subject to a maximum of three consecutively scheduled payment due dates. Any amount paid that exceeds the amount of three regularly scheduled payments will be applied to any amounts due on Your Account and will not delay any further payments due. All payments to Us must be in lawful money of the United States. We may apply each payment to whichever Feature Category We wish. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required As permitted by law, We may apply MasterCard payments in an order of Our choosing. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.003.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum Account balance at the end of each billing cycle, subject to the lesser a minimum of $15.00 or Your balance20, 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 Share or share draft account. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any FeatureShare Draft Account.

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. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of Our choosing. Any unpaid portion of the Finance Charge will be paid by subsequent payments and will not be added to Your principal balance. Any partial payment or prepayment will not delay Your next scheduled payment. 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. We may apply each payment to whichever Feature Category We wish. For Overdraft Line of Credit Credit, payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. As permitted by law, We may apply Mastercard payments at Our discretion. All payments to Us must be in lawful money of the United States. For Overdraft Line of Credit, Minimum Monthly Payments will be an amount equal to 5.00% established at the close of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be each billing cycle at an amount equal to 2.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum balance at the end of each billing cyclethen outstanding balance, subject to the lesser of $15.00 20.00 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. For Mastercard Feature Categories, Minimum Monthly Payments will be established at the close of each billing cycle at an amount equal to 3.00% of Your then outstanding balance, subject to the lesser of $30.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 15 days past duelate, You will be charged $15.00. RETURNED CHECK CHARGE (EXCEPT MASTERCARD). You will be charged $20.00 for any check (or other negotiable instrument used for payment) which is returned unpaid. VARIABLE RATE (EXCEPT MASTERCARD). All advances are subject to a variable rate that is based on the highest Prime Rate in effect on the 1st day of each calendar quarter ("Index"), plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows a change in the Index. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and may affect the number of Your scheduled payments. Your Interest Rate will never be greater than 18.00%, and will apply to the remaining principal balance. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal the average daily transactions balance outstanding during the month (including new transactions), for each Feature Category of Your Account for the period such balance is outstanding. Balances change HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT MASTERCARD). To get the average daily balance, We take the beginning balance each time day, add any new advances, 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 being accounted for and divide them by the number of days in the billing cycle. The Finance Charge for each billing cycle is computed by multiplying the average daily balance that is subject to a Finance Charge by the Daily Periodic Rate times the number of days in the billing cycle. 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. MASTERCARD VARIABLE RATE. All advances are madesubject to a variable rate that is based on the highest Prime Rate in effect on the 1st day of each calendar quarter ("Index"), plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows a change in the Index. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and may affect the number of Your scheduled payments. There is no limit on the amount by which Your interest rate may increase during the life of Your Account, and such increase will apply to the remaining principal balance. MASTERCARD FINANCE CHARGES. In the case of any transactions under Your Platinum Mastercard, or Platinum Mastercard Rewards Feature Categories, 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 for purchases, We take the beginning balance for purchases each day, add any new purchases, debit adjustments or other charges and subtract any payments credited to purchases, credits and unpaid Finance Charges. This gives Us the daily balance for purchases. Then, We add up all the daily balances for purchases for the billing cycle being accounted for and divide them by the number of days in the billing cycle. The Finance Charge for purchases for each billing cycle is computed by multiplying the average daily balance for purchases that is 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 within 25 days of Your statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are made posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance for balance transfers each day, add any new balance transfers, debit adjustments or other charges and subtract any payments credited to balance transfers, credits given under and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all the daily balances for balance transfers for the billing cycle being accounted for and divide them by the number of days in the billing cycle. The Finance Charge for balance transfers for each billing cycle is computed by multiplying the average daily balance for balance transfers that is 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 balance transfers by paying the full amount of the entire balance owed within 25 days of Your statement closing date. Otherwise, the new balance of balance transfers, and subsequent balance transfers from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for cash advances, We take the beginning balance for cash advances each day, add any Featurenew cash advances, debit adjustments or other charges and subtract any payments credited to cash advances, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all the daily balances for cash advances for the billing cycle being accounted for and divide them by the number of days in the billing cycle. The Finance Charge for cash advances for each billing cycle is computed by multiplying the average daily balance for cash advances that is subject to a Finance Charge by the Daily Periodic Rate times the number of days in the billing cycle. 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 cash advance is posted to Your Account. The total Finance Charge You owe on Your Account for each billing cycle for Your Platinum Mastercard and/or Platinum Mastercard Rewards Feature Categories is the sum of the Finance Charges due for purchases, balance transfers, and cash advances for that billing cycle. OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in such other amounts as We may from time to time determine) to Your share draft account(s) by an advance on Your Overdraft Line of Credit Feature Category, subject to this provision, to clear any overdraft on Your share draft account(s). Whether or not such transfers occur will be controlled by this Agreement. In any event, You hold 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 terminated or 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. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of at Our choosingdiscretion. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard Secured, VISA Platinum Rewards or MasterCard Secured VISA Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

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. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required As permitted by law, the order in which We may apply MasterCard payments in an order of is at Our choosingdiscretion. 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. Overdraft Revolving Line of Credit Credit, Certificate Secured Line of Credit, and Overdraft Protection Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, established and MasterCard Platinum Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum balance fixed at the end time of each billing cycle, subject to advance in accordance with the lesser of $15.00 or Your balancefollowing table, 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: this provision, by separate agreement, authorize Us to charge clear any overdraft on Your payment directly to Your share or share draft account. LATE CHARGE (EXCEPT MASTERCARD)Whether or not such transfers occur will be controlled by this Agreement. If Your payment is more than 10 days past dueIn any event, You will be charged $15.00hold Us harmless for any and all liability which might otherwise arise if the transfer does Unpaid Balance As of The Most Monthly not occur. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Overdraft protection automatically ceases if this Agreement is ever Recent Advance Payment cancelled or terminated or Your Account for the period such balance is outstandingin default. Balances change each time advances are made, payments are made or credits given under any FeatureLess Than $1,000.01 $1,000.01 - $2,000.00 $2,000.01 - $3,000.00 $3,000.01 - $4,000.00 $4,000.01 - $5,000.00 $5,000.01 - $6,000.00 $6,000.01 - $7,000.00 $7,000.01 - $8,000.00 $8,000.01 - $9,000.00 $9,000.01 - $10,000.00 $10,000.01 & Greater $40.00 $70.00 $110.00 $145.00 $180.00 $220.00 $260.00 $300.00 $340.00 $380.00 $420.00

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 Borrower(s) 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 Your Account 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 penaltypenalty at any time. Any partial payment or prepayment will of Your Account may 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. For all Feature Categories (except MasterCard), payments Payments will be applied first to any Late Charges or Fees owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of Our choosing. Any unpaid portion of the Finance Charge will be paid by subsequent payments and will not be added to Your principal balancethe principal. You understand that any delay in the repayment of Your unpaid balance will increase Your periodic Finance Charges and any acceleration in the repayment payment of Your unpaid balance will decrease Your periodic Finance Charges. Overdraft Line of Credit You may, by separate Agreement, authorize Us to charge the Minimum Monthly Payment or Payment in Full automatically to Your Share or Share Draft Account. Minimum Monthly Payments will be an amount equal to 5.003.00% of Your Credit Limitoutstanding Account balance at the end of each billing cycle, which payment amount will be rounded up to the nearest dollar, subject to the lesser of $25.00 or Your Account balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.00% Monthly Payment calculations are based on the total outstanding balance of Your new unpaid MasterCard Secured, or MasterCard Platinum balance at Account as of the end of each the billing cycle, subject to the lesser of $15.00 or Your balance, plus any portion of the including accrued Finance Charges and other applicable charges. Any previous Minimum Monthly Payments shown on prior statement(s) which remains unpaid, plus any amount and/or other fees and charges 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You remain unpaid will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance added to this amount, and the total is Your Minimum Monthly Payment for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Featurethat billing cycle.

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. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard Mastercard payments in an order of Our choosing. 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. Overdraft Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.003.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum Account balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE FINANCE CHARGES. The balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (EXCEPT MASTERCARDincluding any new transactions). If Your payment is more than 10 days past dueTo get the average daily balance, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal We take the beginning balance for each Feature Category 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 period such 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 is outstandingsubject to a Finance Charge by the Monthly Periodic Rate. Balances change You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each time 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 (including Convenience Checks) and balance transfers are made, payments are made or credits given under any Featurealways subject to a Finance Charge from the transaction date.

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. Any partial payment or prepayment will not delay Your next scheduled payment. 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. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of Our choosing. 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. Overdraft We may apply each payment to whichever Feature Category We wish. For all Feature Categories (Except VISA), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. As permitted by law, We may apply VISA payments at Our discretion. All payments to Us must be in lawful money of the United States. For Personal Line of Credit Credit, Minimum Monthly Payments will be established at the close of each billing cycle at an amount equal to 5.002.50% of Your then outstanding balance, subject to a minimum of $50.00 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. For VISA, Minimum Monthly Payments will be established at the close of each billing cycle at an amount equal to 2.50% of Your then outstanding balance, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE (EXCEPT MASTERCARDVISA). If Your payment is 11 or more than 10 days past duelate, You will be charged $15.0020.00. RETURNED CHECK CHARGE (EXCEPT VISA). You will be charged $5.00 for any check (or other negotiable instrument used for payment) which is returned unpaid, which amount will be charged to Your primary share account. FINANCE CHARGES (EXCEPT MASTERCARDVISA). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are madetaken, payments are made or credits given under any FeatureFeature Category. The Finance Charge begins to accrue on the date of each advance and there is no grace period. HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA). For all Feature Categories (except VISA), the Finance Charge is determined by multiplying Your unpaid balance at the close of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. The unpaid balance is the balance each day after payments, credits, and unpaid Finance Charges to that balance have been subtracted and any new advances, insurance premiums or other charges have been added to Your unpaid balance. These daily Finance Charges are then added together and the sum is the amount of the Finance Charge owed for the Feature Category being accounted for. The total Finance Charge You owe on Your Account for each billing cycle is the sum of all the Finance Charges due for all applicable Feature Categories.

Joint Accounts. Each Borrower will be responsible, jointly and severally, for For Diamond Premier/Diamond Cash Back VISA, Your balance is subject to an the repayment of any amounts owed. If any Account access device, such as a introductory discounted Daily Periodic Rate of N/A % (corresponding 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. For all Feature Categories (except MasterCardVISA), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required As permitted by law, We may apply MasterCard VISA payments in an the order of Our choosing. 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. Overdraft Personal Line of Credit Minimum Monthly Payments will be established at the close of each billing cycle at an amount equal to 5.003.00% of Your Credit Limitthen outstanding balance, subject to the lesser of $25.00 50.00 or Your balance. MasterCard SecuredShare Secured VISA Platinum, VISA Platinum and MasterCard Platinum Diamond Premier/Diamond Cash Back VISA Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard SecuredShare Secured VISA Platinum, VISA Platinum or MasterCard Platinum Diamond Premier/Diamond Cash Back VISA balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE (EXCEPT MASTERCARDVISA). If Your payment is 10 or more than 10 days past duelate, You will be charged the greater of $15.0035.00 or 5.00% of the payment due. OTHER FEES AND CHARGES (EXCEPT VISA). You will be charged the following fees and charges associated with the use of Your Account: (a) for Personal Line of Credit, $25.00 for each advance that is triggered by an overdraft of Your share draft account; (b) for Personal Line of Credit, a $35.00 Annual Fee that is required each year to continue credit availability whether or not You use such Feature Category throughout the year; and (c) $28.00 for any check (or other negotiable instrument used for payment) which is returned unpaid. FINANCE CHARGES (EXCEPT MASTERCARDVISA). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any FeatureFeature Category. The Finance Charge begins to accrue on the date of each advance and there is no grace period. HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA). For all Feature Categories (except VISA), the Finance Charge is determined by multiplying Your unpaid balance at the close of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. The unpaid balance is the balance each day after payments, credits, and unpaid Finance Charges to that balance have been subtracted and any new advances, insurance premiums or other charges have been added to Your unpaid balance. These daily Finance Charges are then added together and the sum is the amount of the Finance Charge owed for the Feature Category being accounted for. The total Finance Charge You owe on Your Account for each billing cycle is the sum of all the Finance Charges due for all applicable Feature Categories.

Joint Accounts. Each Borrower or guarantor 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 Your entire Account balance at any time without penalty. You also understand that You will only be charged periodic Finance Charges to the date You repay Your entire Account balance. You may make larger payments without penalty. Any partial payment Excess or prepayment will not delay Your next scheduled paymentextra payments can be made in any amount at any time and shall apply as advance payments except that accrued interest must be paid at least once each calendar quarter. All payments to Us must be in lawful money of the United States. We may apply each payment to whichever Feature Category We wish. For all Feature Categories (except MasterCard), payments Payments will be applied first to any Late Charges owingpast due payments or fees owing from previous billing cycles, then to the any Finance Charge Charges due, then to any Late Charges or other fees owing, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of Our choosing. Any unpaid portion of the Finance Charge will be paid by subsequent payments and will not be added to Your principal balancethe principal. 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. Overdraft Minimum Monthly Payments for Personal Line of Credit Minimum Monthly Payments will be an amount equal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. MasterCard Secured, and MasterCard Platinum Minimum Payments will be an amount equal to 2.003.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum Personal Line of Credit balance at the end of each billing cyclecycle plus any portion of the Minimum Monthly Payment(s) shown on prior statement(s) which remains unpaid, plus any amount that exceeds Your approved Credit Limit. The Minimum Monthly Payments in any event will be subject to the lesser of $15.00 50.00 or Your balance. You may by separate agreement authorize Us to automatically transfer Your Minimum Monthly Payment from Your share or checking account with Us. Minimum Monthly Payments for Overdraft Line of Credit will be an amount equal to the lesser of $50.00 or Your balance, plus any portion of the Minimum Payments Monthly Payment(s) shown on prior statement(s) which remains unpaid, plus any amount that exceeds Your approved Credit Limit. You may, may by separate agreement, agreement authorize Us to charge automatically transfer Your payment directly to Minimum Monthly Payment from Your share or share draft account. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00checking account with Us. FINANCE CHARGES (EXCEPT MASTERCARD)CHARGES. A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits are given under any Featureparticular Feature Category. The Finance Charge begins to accrue on the date of each advance and there is no grace period.

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. Any partial payment or prepayment will not delay Your next scheduled payment. 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. For all Feature Categories (except MasterCardVISA), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required As permitted by law, We may apply MasterCard VISA payments in an order of at Our choosingdiscretion. 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. Overdraft Line of Credit Minimum Monthly Payments will be established at the close of each billing cycle at an amount equal to 5.00% $2.75 for each $100.00, or increment thereof, of Your Credit Limitthen outstanding principal balance, subject to the lesser of $25.00 18.00 or Your balance. MasterCard Secured, and MasterCard Platinum VISA Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard Secured, or MasterCard Platinum VISA balance at the end of each billing cycle, subject to the lesser of $15.00 18.00 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. Any partial payment or prepayment will not delay Your next scheduled payment. You may, by separate agreement, authorize Us to charge Your payment directly to Your share or share draft account. LATE CHARGE (EXCEPT MASTERCARDVISA). If Your payment is 10 or more than 10 days past duelate, You will be charged the greater of $15.0030.00 or 5.00% of the minimum payment due. FINANCE CHARGES (EXCEPT MASTERCARDVISA). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Featuregiven. The Finance Charge begins to accrue on the date of each advance and there is no grace period. For Line of Credit transactions that occur during the first billing cycles will accrue finance charges at an introductory Daily Periodic Rate of % (corresponding to an ANNUAL PERCENTAGE RATE of %) until . Upon the expiration of the introductory rate period Your entire balance of transactions existing at that time and in the future will accrue finances charges at the non-introductory rate described elsewhere in this Agreement.

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. For all Feature Categories (except MasterCard), payments will be applied first to any Late Charges owing, then to the Finance Charge due, then to the outstanding principal balance. Except as required by law, We may apply MasterCard payments in an order of at Our choosingdiscretion. 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. Overdraft Line of Credit For all Feature Categories (except MasterCard), Minimum Monthly Payments will be an amount equal disclosed to 5.00% You at the time of Your each advance on a separate page titled "Credit LimitLine Account Advance Request and Security Agreement." MasterCard Rewards, subject to the lesser of $25.00 or Your balance. MasterCard Secured, Secured and MasterCard Platinum Prime Minimum Payments will be an amount equal to 2.003.00% of Your new unpaid MasterCard SecuredRewards, MasterCard Secured or MasterCard Platinum Prime balance at the end of each billing cycle, subject to the lesser a minimum of $15.00 or Your balance27.00, 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. LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days past due, You will be charged $15.00. FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any Feature.

Joint Accounts. Each Borrower will be responsible, jointly and severally, for For Diamond Premier/Diamond Cash Back VISA, Your balance is subject to an the repayment of any amounts owed. If any Account access device, such as a introductory discounted Daily Periodic Rate of N/A % (corresponding 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. For all Feature Categories (except MasterCardVISA), payments will be applied first to any Late Charges owing, then to the Finance ANNUAL PERCENTAGE RATE as low as 12.50 %). Such introductory rate will remain in effect for a period of N/A consecutive months immediately following the date that such Feature Category is established. As permitted by law, following the expiration of the introductory rate period, Your balances will be subject to the non-introductory rate. For VISA Platinum, Your balance is subject to an introductory discounted Daily Periodic Rate of N/A % (corresponding ANNUAL PERCENTAGE RATE as low as 8.50 %). Such introductory rate will remain in effect for a period of N/A consecutive months immediately following the date that such Feature Category is established. As permitted by law, following the expiration of the introductory rate period, Your balances will be subject to the non-introductory rate. For Share Secured VISA Platinum, Your balance is subject to an introductory Charge due, then to the outstanding principal balance. Except as required As permitted by law, We discounted Daily Periodic Rate of N/A % (corresponding ANNUAL may apply MasterCard VISA payments in an the order of Our choosing. 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. Overdraft Personal Line of Credit Minimum Monthly Payments will be established at the close of each billing cycle at an amount equal to 5.003.00% of Your Credit Limitthen outstanding balance, subject to the lesser of $25.00 50.00 or Your balance. MasterCard SecuredShare Secured VISA Platinum, VISA Platinum and MasterCard Platinum Diamond Premier/Diamond Cash Back VISA Minimum Payments will be an amount equal to 2.00% of Your new unpaid MasterCard SecuredShare Secured VISA Platinum, VISA Platinum or MasterCard Platinum Diamond Premier/Diamond Cash Back VISA balance at the end of each billing cycle, subject to the lesser of $15.00 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. LATE CHARGE (EXCEPT MASTERCARDVISA). If Your payment is 10 or more than 10 days past duelate, You will be charged the greater of $15.0035.00 or 5.00% of the payment due. OTHER FEES AND CHARGES (EXCEPT VISA). You will be charged the following fees and charges associated with the use of Your Account: (a) for Personal Line of Credit, $25.00 for each advance that is triggered by an overdraft of Your share draft account; (b) for Personal Line of Credit, a $35.00 Annual Fee that is required each year to continue credit availability whether or not You use such Feature Category throughout the year; and (c) $28.00 for any check (or other negotiable instrument used for payment) which is returned unpaid. FINANCE CHARGES (EXCEPT MASTERCARDVISA). A Finance Charge will be assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given under any FeatureFeature Category. The Finance Charge begins to accrue on the date of each advance and there is no grace period. HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA). For all Feature Categories (except VISA), the Finance Charge is determined by multiplying Your unpaid balance at the close of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. The unpaid balance is the balance each day after payments, credits, and unpaid Finance Charges to that balance have been subtracted and any new advances, insurance premiums or other charges have been added to Your unpaid balance. These daily Finance Charges are then added together and the sum is the amount of the Finance Charge owed for the Feature Category being accounted for. The total Finance Charge You owe on Your Account for each billing cycle is the sum of all the Finance Charges due for all applicable Feature Categories.