I understand that these cash advance transfers are made in accordance with the credit card agreement and my approved line of credit. Interest thereon will be computed from the date the cash advance is made. You also understand that DHCU is not responsible for payments that arrive after the due date. Continue to make minimum payments until you are notified the balance has been transferred. Transfer of your balance does not close your account with another lender. Contact that company directly if you want the account closed. If you have recently disputed any charges, do not include these amounts in the balances you authorize us to transfer or you will lose billing rights. If your account statements are not enclosed for us to pay, checks will be made payable to you and the creditor and mailed directly to your home address. You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure what you owe under the credit card agreement. When you are in default, you authorize us to apply the balance in these accounts to any amount due. Shares and deposits in an Individual Retirement Account, and any other account that would lose special tax treatment under state and federal law if given as security, are not subject to the security interest you have given in your shares and deposits.