Thank you for your interest in obtaining an America's Christian Credit Union ReadyChek® card. I have enclosed our Corporate Disclosure agreement for you. Please complete and sign the enclosed agreement and return it to our office with board minutes verifying approval of the card. With your America's Christian Credit Union ReadyChek® card, you’ll have the acceptance of the VISA® name, with funds coming out of your checking account, not from a line of credit. With worldwide ATM availability including the PLUS and STAR logos, you know that your ReadyChek® card is an instant way to access your funds 24-hours a day.

AGREEMENT FOR ISSUANCE OF THE AMERICA’S CHRISTIAN CREDIT UNION VISA ® READYCHEK ® /ATM CARD

In consideration of America's Christian Credit Union (“Credit Union”) issuance of one or more VISA® READYCHEK ® /ATM Cards to , a corporation, (“Corporation”) the Corporation agrees as follows:

1. The VISA ® READYCHEK ® /ATM Card (“Card”) will be issued in the Corporation’s name and will allow the Corporation to perform the following transactions: (a) Debit the Corporation’s account(s) with the Credit Union by the Corporation presenting the Card or providing the account number on the Card to merchants or retailers who honor the Card as a VISA ® card for the purchase of goods and services; (b) Debit the Corporation’s account with the Credit Union through “Point of Sale” transactions for purchases and cash back (where permitted by the merchant) at certain merchant locations which honor the Card as a VISA ® or ATM card; (c) Withdraw cash from, and make deposits to, the Corporation’s account(s) with the Credit Union at designated ATM machines; (d) Transfer funds between the Corporation’s accounts linked to the Card.

2. By using the Card for the above transactions, the Corporation authorizes the Credit Union to debit its account(s) to pay for goods or services, provide account balance information, to make deposits, withdraws into or from the Corporation’s accounts. (Debits and withdrawals will be made from the Corporation’s checking account first, and if there are insufficient funds in the checking account, funds from any Overdraft Protection line of credit will be used in accordance with the terms of that Agreement with the Credit Union; otherwise, at the Credit Union’s discretion, the Corporation’s share account will be debited) in accordance with the instructions given to the merchant, automated teller or Point of Sale device.

3. Debits and withdraws are subject to the availability of funds in the Corporation’s checking account and the daily ATM cash limit of $ (excluding VISA® cash advances). This maximum ATM cash limit may be changed by the Credit Union at any time, in the Credit Union’s sole discretion. ALL FUNDS AVAILABLE ARE SUBJECT TO WITHDRAWAL BY PURCHASES OR CASH ADVANCES.

4. The undersigned understand and agree that (a) When the Card is used to purchase goods or services, the merchant may require a signed sales slip or other document or may require just the account number of the Card and/or expiration date and PIN; (b) When the 2 Card is used at ATM machines or Point of Sale devices, a Personal Identification Number (“PIN”) must be used. The undersigned and their successors and assigns, for and on behalf of the Corporation, agree to hold the PIN, Card and account number of the Card in strict confidence and not to give to others, or allow others to use, the PIN, Card or account number. In the event any one or all of the undersigned disclose or give the PIN and/or Card and/or account number to other persons associated with the Corporation including, without limitation, other officers, directors, representatives, employees, agents, contractors, or their successors or assigns (collectively “Corporation Representatives”), or other persons whether or not associated with the Corporation (“Other Parties”), or if any Corporation Representatives disclose the PIN and/or account number and/or give the Card to Other Parties (regardless of whether any or all of the undersigned have authorized such), access to the Corporation’s account(s) and any debits to or withdrawals from the Corporation’s accounts by such Corporation Representatives or Other Parties will be deemed authorized by the undersigned and the Corporation regardless of whether such Corporation Representatives or Other Parties are authorized to withdraw funds from the Corporation’s accounts by any other means. BY GIVING THE CARD AND/OR PIN AND OR ACCOUNT NUMBER TO CORPORATION REPRESENTATIVES OR OTHER PARTIES, OR ALLOWING THEM TO USE SAME, THE CORPORATION IS AUTHORIZING THESE PERSONS (OR WHOMEVER THEY MAY GIVE THE CARD AND/OR PIN AND/OR ACCOUNT NUMBER TO) TO PURCHASE GOODS AND SERVICES WITH THE FUNDS IN THE CORPORATION’S ACCOUNT(S) AND TO WITHDRAW ALL FUNDS IN THE CORPORATION’S ACCOUNT(S).

5. The Corporation agrees to observe the following conditions for both the privacy and protection of the Corporation’s accounts and the systems which are used to access the Corporation’s accounts with the Credit Union: (a) Keep the Card in a safe place and permit no unauthorized person to use it; (b) Do not tell any unauthorized person the PIN or account number of the Card of write the PIN on the Card or otherwise make the PIN or account number available to any unauthorized person; (c) IMMEDIATELY telephone 800-449-7728 if the Card or PIN or account number is lost or stolen. The Corporation agrees to immediately put this notice in writing if requested to do so by the Credit Union, in which case the notice will be deemed effective when received in writing by the Credit Union. THE COPORATION COULD LOSE ALL THE FUNDS IN ITS ACCOUNTS IF THE CREDIT UNION IS NOT IMMEDIATELY NOTIFIED. Failure to comply with these conditions may result in the immediate cancellation of the Card and these services. The Corporation agrees to follow the instructions posted or otherwise given by the Credit Union concerning the use of the ATM machines and Point of Sale devices.

6. When using the Card for purchases of goods and services from a merchant, the Corporation understands and agrees that the Card is not a credit card and that payments may not be deferred for purchases made using the Card even though it bears a VISA ® 3 logo. The Corporation’s account will be debited or a hold will be placed on the account for the amount of the transaction (as provided in Paragraph 2 above) when the transaction is presented for payment or when the Credit Union receives notice of the transaction, whichever is earlier. Also, if a merchant requests an authorization for a transaction, a hold may be placed on the Corporation’s account for the amount of the transaction. Stop payments on Card transactions are not permitted. The Corporation shall indemnify the Credit Union from any damages or liability resulting to the Credit Union as a result of any disputes with merchants.

7. The Corporation understands and agrees that it is NOT a consumer under the Electronic Funds Transfer Act and Regulation E (the “Law”) and the Corporation does not have protection under the Law for limited liability for unauthorized transactions made with the Corporation’s Card. THE CORPORATION UNDERSTANDS AND AGREES THAT THE ISSUANCE OF ONE OR MORE CARD(S) TO THE CORPORATION FOR ACCESSING THE CORPORATION’S CHECKING ACCOUNT OR OTHER ACCOUNTS WHETHER FOR THE PURCHASE OF GOODS AND SERVICES OR TO OBTAIN CASH OR TO CONDUCT OTHER TRANSACTIONS IS DONE SO AT THE CORPORATION’S REQUEST AND AT THE CORPORATION’S SOLE RISK. THE CORPORATION SHALL REMAIN LIABLE FOR, AND FULLY RELEASES AND DISCHARGES THE CREDIT UNION FROM, ANY AND ALL CLAIMS, LOSSES, LIABILITIES, DAMAGES OR EXPENSES RESULTING FROM ANY UNAUTHORIZED PURCHASES, TRANSACTIONS, DEBITS OR WITHDRAWALS, WHETHER THEY OCCUR THROUGH WITHDRAWALS AT ATM MACHINES OR PURCHASES THROUGH POINT OF SALE DEVICES, BY TELEPHONE OR PURCHASES OF GOODS AND SERVICES FROM MERCHANTS (REGARDLESS OF THE MEANS USED) OR OTHERWISE, WHICH OCCUR PRIOR TO THE CORPORATION GIVING THE CREDIT UNION NOTICE, AS REQUIRED IN PARAGRPAH 5 ABOVE, OF A LOSS OR THEFT OF THE PIN OR CARD OR ACCOUNT NUMBER OF THE CARD AND THE CREDIT UNION HAVING A REASONABLE OPPORTUNITY TO ACT UPON SUCH NOTICE.

8. The Corporation’s monthly statement of account will show transactions made with the Card. The Corporation shall notify the Credit Union of any errors or inaccuracies in the statement with respect to Card transaction within thirty (30) days of the Corporation’s receipt of the statement. The Credit Union will request that the Corporation submit this notification in writing and/or provide supporting documentation and the Corporation agrees to promptly provide same. If the Credit Union determines that the statement contains an error or inaccurate information, the Credit Union will promptly correct the statement and issue a new statement; provided, however, that under no circumstances will the Credit Union be liable for any unauthorized transactions made with the Card and/or PIN and under no circumstances will unauthorized transactions be reversed, unless the unauthorized transactions occurred AFTER the Corporation notified the Credit Union of 4 the loss or theft of the PIN or Card (as required by Paragraph 5 above) and the Credit Union had a reasonable opportunity to act on such notice, in which case the Credit Union’s liability is limited to the actual amount of the unauthorized transaction. In all other cases and so long as the Corporation satisfies the time requirements of this Paragraph 9, the Credit Union’s liability is limited to corrections of any errors that appear on the statements.

9. The Credit Union will have liability to the Corporation for transactions which are not timely or properly completed due to (a) Circumstances beyond the Credit Union’s control (such as fire, flood, riot, earthquake, natural disaster or government intervention) which prevent the transaction despite reasonable precautions; (b) There being insufficient funds (or insufficient collected funds) in the account (through no fault of the Credit Union) to make a withdrawal or transfer or debit the Corporation’s account; (c) The funds in the account being subject to legal process or other circumstances restricting debit, transfer or payment; (d) The ATM or Point of Sale device not working properly and this was known by the Card user when the transaction was begun; (e) The ATM not having sufficient cash; (f) The Card or PIN being lost or stolen, or expired, or damaged so that the ATM or Point of Sale device or merchant cannot read the encoding strip, or inactive due to nonuse, or retained by the Credit Union, or the PIN repeatedly entered incorrectly; (g) The information supplied by the Corporation or by third parties being incorrect or untimely; (h) Protecting the integrity of the system or the security of the Corporation accounts, (i) The merchant’s refusal, whether reasonable or not, to accept the Card.

10. The Credit Union may terminate the Corporation’s right to use the Card or to make electronic fund transfers, or cancel this agreement at any time upon written notice to the Corporation. Further, the Corporation may request termination of the services in writing to the Credit Union.

11. There may be a fee charged by the Credit Union in connection with each use of the Card. The owner of the ATM machine or Point of Sale device may also charge a separate fee. Merchants may charge a fee for transactions conducted with the Card. The Credit Union has no responsibility to disclose merchant fee or fees charged by others in connection with the use of the Card. Credit Union fees are shown on the Fee Schedule attached to this Agreement and incorporated herein by this reference. Fees may be increased or changed at any time upon written notice to the Corporation. Other fees associated with usage of the Card are also shown on the Fee Schedule.

12. The Card is the property of the Credit Union and the Corporation agrees to surrender the Card to the Credit Union immediately upon the Credit Union’s request or the request of anyone (including merchants) authorized by the Credit Union to request the return of the Card. The Credit Union reserves the right to recall the Card through retrieval by any ATM machine.

13. This Agreement may not be assigned, in whole or in part, and the Card may not be transferred to a third party without the written consent of the Credit Union.

14. If any provision of this Agreement is adjudged invalid, then the remaining provisions will continue in full force and effect, and will be construed as if the invalid provision had not been a part of this Agreement.

15. This Agreement and the terms and conditions of the Corporation’s usage of the Card may be modified at any time by the Credit Union upon written notice to the Corporation. The availability of Point of Sale terminals, ATM machines and account access is subject to change without notice. All transactions may not be available at all ATM machines. The Credit Union may, in its discretion, add or delete services available in the future and the Corporation will be notified accordingly.

16. If the Credit Union must take collection action against the Corporation, the Corporation shall pay the Credit Union’s cost and fees, including reasonable attorneys’ fees, whether or not suit is filed. This Agreement shall be interpreted and governed by the laws of the State of California. This Agreement is the complete agreement between the parties concerning the subject matter hereof and supersedes all prior communications and correspondence. This Agreement shall be binding on the successors and permitted assigns of the parties hereto.

17. The signatories to this Agreement represent that they are duly authorized by resolution or other corporate formality of the Corporation to sign this Agreement on behalf of the Corporation and represent that they are the signatories to the Corporation’s checking account agreement with the Credit Union and any other accounts with the Credit Union which may be accessed by the Card. When there is a change in the corporate offers, the Corporation agrees to immediately notify the Credit Union of such change. New officers may be required to sign this Agreement or other documentation, as the Credit Union deem reasonable and necessary. Further the Credit Union may, in its sole discretion, block access to accounts by means of the Card until such documentation is signed.

18. The addresses and telephone numbers for notice to each party are as follows: America's Christian Credit Union 2100 E. Route 66 P O Box 5100 Glendora, CA 91740-0808 Tel: #: 800-343-6328

19. Notice shall be deemed given when delivered in person or by telegram, telex, facsimile or telecopy transmission, or five (5) days after being sent, through U.S. Postal Service, postage paid, first-class, or through any reputable one-day, two-day or three-day courier such as Federal Express or DHL, fees prepaid, to the addresses shown above.

This Agreement is executed on the date set forth below:

Date:

Corporation:

By:

Print Name:

Title:

By:

Print Name:

Title:

Number of cards requested

Print name(s) and signature(s) of cardholders if different from above:

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