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 Overdraft Line of 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 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. Minimum payments for each Feature Category will be an amount equal to 2.50% of Your then unpaid balance owed on such Feature Category, subject to the lesser of $10.00 or Your balance. You may, by separate agreement, authorize Us to charge Your payment directly to Your share or share 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 Overdraft Line of Creditall 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. As permitted Except as required by law, We may apply VISA 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 payments for each Feature Category Monthly Payments will be an amount equal to 2.505.00% of Your then unpaid balance owed on such Feature CategoryCredit Limit, subject to the lesser of $10.00 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 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. We may apply each payment to whichever Feature Category We wish. For Overdraft Line of 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 Except as required by law, We may apply 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. VISA Classic, Secured VISA Classic, VISA Gold, VISA Platinum and VISA Firefighters Gold Minimum payments for each Feature Category Payments will be an amount equal to 2.502.00% of Your then new unpaid VISA Classic, Secured VISA Classic, VISA Gold, VISA Platinum or VISA Firefighters Gold balance owed on such Feature Categoryat the end of each billing cycle, subject to the lesser of $10.00 or Your balance, plus any portion of the Minimum Payments shown on prior statement(s) which remains unpaid, plus any amount that exceeds Your approved Credit Limit. You may, by separate agreement, authorize Us to charge Your payment directly to Your share or share draft account.

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 Overdraft Line of Creditall 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. As permitted Except as required by law, We may apply VISA 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 payments for each Feature Category Monthly Payments will be an amount equal to 2.505.00% of Your then unpaid balance owed on such Feature CategoryCredit Limit, subject to the lesser of $10.00 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 Overdraft Line of Creditall 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, the order in which We may apply 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. MyPayToday Minimum payments for each Feature Category Monthly Payments will be established at the time of each advance at an amount equal to 2.5050.00% of Your then unpaid balance owed on such Feature Categoryprincipal 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 4.00% of Your then outstanding balance, subject to the lesser of $10.00 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 Classic, VISA Secured and VISA Gold Minimum Payments will be an amount equal to 2.00% of Your new unpaid VISA Classic, VISA Secured or 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 accountShare 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 Overdraft Line of 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 Except as required by law, We may apply 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. Minimum payments for each Feature Category Payments will be an amount equal to 2.503.00% of Your then new unpaid VISA Platinum, VISA Platinum Rewards or Secured VISA Platinum balance owed on such Feature Categoryat the end of each billing cycle, subject to the lesser of $10.00 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.

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 Overdraft Line of 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 Except as required by law, We may apply 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. VISA Gold Rate Advantage, VISA Credit Builder Advantage, VISA Secured Credit Builder Advantage, and VISA Advantage Rewards Minimum payments for each Feature Category Payments will be an amount equal to 2.502.00% of Your then new unpaid VISA Gold Rate Advantage, VISA Credit Builder Advantage, VISA Secured Credit Builder Advantage, or VISA Advantage Rewards balance owed on such Feature Categoryat the end of each billing cycle, subject to the lesser of $10.00 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.

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 Overdraft Line of Creditall 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 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. Minimum payments for each Feature Category will be an amount equal to 2.50% of Your then unpaid balance owed on such Feature Category, subject to the lesser of $10.00 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 VISA). If Your payment is more than 10 days late, You will be charged the greater of $10.00 or 5.00% of the payment due, subject to a $25.00 maximum. OTHER FEES AND CHARGES (EXCEPT VISA). You will be charged the following fees associated with the use of Your Account: (a) $10.00 for any check (or other negotiable instrument used for payment) which is returned unpaid; and (b) $10.00 for each billing cycle during which You exceed Your Credit Limit. FINANCE CHARGES (EXCEPT 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 Feature 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 individually and severallytogether, 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 LATE CHARGE (PAYMENT SCHEDULEEXCEPT MASTERCARD). Though You need only pay the Minimum Monthly PaymentsIf Your payment is more than 10 days late, 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 greater of $5.00 or prepayment will not delay Your next scheduled payment. All payments to Us must be in lawful money 20% of the United States. We may apply each payment to whichever Feature Category We wish. For Overdraft Line of Credit, payments will be applied first to any Late Charges owing, then to the Finance Charge due. RETURNED PAYMENT CHARGE (EXCEPT MASTERCARD). You will be charged $25.00 for any check (or negotiable instrument) that is presented for payment and returned unpaid. FINANCE CHARGES (EXCEPT FOR 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, then payments are made or credits given under any Feature Category. The Finance Charge begins to accrue on the outstanding principal date of each advance and there is no grace period. HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT FOR 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. As permitted by law, We may apply VISA payments in an order of Our choosing. Any unpaid portion These daily Finance Charges are then added together and the sum is the amount of the Finance Charge will be paid by subsequent payments and will not be added to owed for the Feature Category being accounted for. The total Finance Charge You owe on Your principal balance. You understand that any delay in Account for each billing cycle is the repayment sum of Your unpaid balance will increase Your periodic all the Finance Charges and any acceleration in the repayment of Your unpaid balance will decrease Your periodic Finance Charges. Minimum payments due for each all applicable Feature Category will be an amount equal to 2.50% of Your then unpaid balance owed on such Feature Category, subject to the lesser of $10.00 or Your balance. You may, by separate agreement, authorize Us to charge Your payment directly to Your share or share draft accountCategories.

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 Overdraft Line of Creditall 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 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. Minimum payments for each Feature Category will be an amount equal to 2.50% of Your then unpaid balance owed on such Feature Category, subject to the lesser of $10.00 G10.00 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 VISA). If Your payment is more than 10 days late, You will be charged the greater of G10.00 or 5.00% of the payment due, subject to a G25.00 maximum. OTHER FEES AND CHARGES (EXCEPT VISA). You will be charged the following fees associated with the use of Your Account: (a) G10.00 for any check (or other negotiable instrument used for payment) which is returned unpaid; and (b) G10.00 for each billing cycle during which You exceed Your Credit Limit. FINANCE CHARGES (EXCEPT 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 Feature 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 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 Overdraft Line of Creditall 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. As permitted Except as required by law, We may apply VISA 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 payments for each Feature Category Monthly Payments will be an amount equal to 2.505.00% of Your then unpaid balance owed on such Feature CategoryCredit Limit, subject to the lesser of $10.00 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 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. We may apply each payment to whichever Feature Category We wish. For Overdraft Line of 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 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. Minimum payments for each Feature Category will be an amount equal to 2.50% of Your then unpaid balance owed on such Feature Category, subject to the lesser of of‌‌‌‌ $10.00 or Your balance. You may, by separate agreement, authorize Us to charge Your payment directly to Your share or share 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 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 anytime 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 Overdraft Line of Creditall Feature Categories (except VISA), 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. As permitted Except as required by law, the order in which We may apply 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. For all Feature Categories (except VISA) Minimum payments for Monthly Payments will be disclosed to You at the time of each Feature Category advance on a separate page titled "Credit Line Account Advance Request and Security Agreement". VISA Credit Card Minimum Payments will be an amount equal to 2.505.00% of Your then new unpaid balance owed on such Feature Categoryat the end of each billing cycle, subject to the lesser of $10.00 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. FINANCE CHARGES (EXCEPT FOR 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 Feature 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 Overdraft Line of Creditall 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 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 payments for Payments will be established at the time of each Feature Category advance in accordance with the following table, such that the then unpaid principal balance will be amortized over the period indicated below, subject to the related minimum payment: Unpaid Balance After Advance Amortization Period Minimum Payment $500.00 & Less $500.01 - $1,000.00 $1,000.01 - $2,000.00 $2,000.01 - $3,000.00 $3,000.01 - $5,000.00 $5,000.01 & Greater 6 Months 12 Months 24 Months 36 Months 48 Months 60 Months $35.00 $50.00 $75.00 $100.00 $125.00 $150.00 VISA Minimum Payments will be an amount equal to 2.502.00% of Your then new unpaid VISA Platinum or VISA Platinum Secured balance owed on such Feature Categoryat the end of each billing cycle, subject to the lesser of $10.00 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. 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 VISA). If Your payment is more than 10 days late, You will be charged $10.00. FINANCE CHARGES (EXCEPT VISA). A Finance Charge will be assessed on any unpaid principal balance for the period such balance is outstanding. Balances change each time advances are made, payments are made or credits given. 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. 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 Overdraft Line of Creditall Feature Categories, 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 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. Minimum payments for each Feature Category Monthly Payments will be established at the close of each billing cycle at an amount equal to 2.50% $3.60 per $100.00 of Your then unpaid balance owed on such Feature Categoryoutstanding balance, or fraction thereof, subject to the lesser of $10.00 36.00 or Your balance. You may, by separate agreement, authorize Us to charge Your payment directly to Your share or share 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 Overdraft Line of Creditall 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 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 and Ready Cash Line of Credit Minimum payments for each Feature Category Monthly Payments will be an amount equal to 2.50% based on the outstanding principal balance at the end of Your then unpaid balance owed on such Feature Categoryeach billing cycle, subject according to the lesser table set forth below, plus any portion of $10.00 or the Minimum Payments shown on prior statement(s) which remains unpaid, plus any amount that exceeds Your balance. You may, by separate agreement, authorize Us to charge Your payment directly to Your share or share draft accountapproved Credit Limit.

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 Overdraft Line of Creditall 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 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. Safety Line Line of Credit Minimum payments Monthly Payments will be established at the close of each billing cycle in an amount equal to the lesser of Your balance or that Minimum Payment amount described in the following table that corresponds to Your unpaid 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: Unpaid Balance Minimum Payment $0.01 - $1,000.00 $1,000.01 - $2,000.00 $2,000.01 - $3,000.00 $3,000.01 - $5,000.00 $5,000.01 - $6,000.00 $6,000.01 - $7,500.00 $7,500.01 - $9,000.00 $9,000.01 - $10,000.00 $10,000.01 - $12,000.00 $12,000.01 - $14,000.00 $14,000.01 - $16,000.00 $16,000.01 - $18,000.00 $18,000.01 - $20,000.00 $20,000.01 - $22,000.00 $25.00 $50.00 $75.00 $125.00 $150.00 $188.00 $225.00 $250.00 $300.00 $350.00 $400.00 $450.00 $500.00 $550.00 Unpaid Balance Minimum Payment $22,000.01 - $24,000.00 $24,000.01 - $26,000.00 $26,000.01 - $28,000.00 $28,000.01 - $30,000.00 $30,000.01 - $32,000.00 $32,000.01 - $34,000.00 $34,000.01 - $36,000.00 $36,000.01 - $38,000.00 $38,000.01 - $40,000.00 $40,000.01 - $42,000.00 $42,000.01 - $44,000.00 $44,000.01 - $46,000.00 $46,000.01 - $48,000.00 $48,000.01 - $50,000.00 $50,000.01 & Greater $600.00 $650.00 $700.00 $750.00 $800.00 $850.00 $900.00 $950.00 $1,000.00 $1,050.00 $1,100.00 $1,150.00 $1,200.00 $1,250.00 2.50% of the unpaid balance OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in such increments as We may from time to time determine) to Your share draft account by an advance on Your Safety Line Line of Credit, Classic VISA, Secured Classic VISA, Platinum VISA, Secured Platinum VISA, CPF VISA, Secured CPF VISA, PFFAZ VISA, Secured PFFAZ VISA, WSCFF VISA, or Secured WSCFF VISA 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 each Feature Category 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. VISA Minimum Payments will be an amount equal to 2.50% of Your then new unpaid VISA balance owed on such Feature Categoryat the end of each billing cycle, subject to the lesser of $10.00 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 VISA). If Your payment is 15 or more days late, You will be charged $15.00. RETURNED PAYMENT FEE (EXCEPT VISA). You will be charged $22.00 for the returned payment for any check (or other negotiable instrument used for payment) which is returned unpaid. FINANCE CHARGES (EXCEPT 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 Feature Category. The Finance Charge begins to accrue on the date of each advance and there is no grace period.