VISA� CARDHOLDER AGREEMENT 
      
     In this agreement, the words �you� and �your� mean the cardholder or holders and anyone else you authorize to use the 
     credit card account.  The words �we�, �us� or �our� mean Eastman Credit Union.  The word �account� means your Visa� 
     credit card line of credit. 
      
     1. OTHERS USING YOUR ACCOUNT. You are responsible for all authorized transactions.  Use of the account by you or 
     by anyone for your benefit or with your permission are authorized transactions.  You may designate individuals as 
     Authorized Users who may transact on the Account using Cards issued in their names.  You are responsible for all 
     charges made by Authorized Users. 
      
     2. AGREEMENT TO TERMS.  In accordance with your request, we have opened an account for you.  Your signature on 
     the application, your retention of the Card, and/or your use of the account in any way means you agree to the terms of this 
     Agreement and the provisions of the Card itself.  This Agreement governs your Account and use of the Card we have 
     issued to you.  We will pay member merchants for goods and services you obtain by use of the Card and make other 
     loans to you on terms explained later in this Agreement.  You authorize us to charge your Account for all such amounts, 
     and for other amounts advanced to third parties on your behalf.  This includes without limitation, any amounts we advance 
     on your behalf as a result of any Card related services offered by Visa U.S.A., Inc. 
      
     3. PROMISE TO PAY.  You promise to pay the total amount owed for any goods and services purchased, cash advances 
     obtained, and/or other authorized transactions.  You promise to pay any FINANCE CHARGES, fees or other charges you 
     owe.  If your Account is a joint account, you and your joint account holder each promise to pay and are jointly and 
     individually responsible for all amounts due on the Account. 
         
     4. CREDIT LINE.  You will be notified of your Credit Line (limit).  You promise that the total balance of purchases and 
     cash advances will not exceed that limit.  You may request an increase in your Credit Line, which must be approved by 
     us.  By giving you written notice, we may change your interest rate from time to time, or with good cause, may change 
     your Credit Line or revoke your card and terminate this agreement.  Good cause includes your failure to comply with this 
     Agreement, or our reevaluation of your creditworthiness.  You may also terminate this Agreement at any time but 
     termination by either of us does not affect your obligation to pay the account balance.  The cards remain our property and 
     you must recover and surrender to us all cards upon our request and upon termination of this Agreement.  (Cut them in 
     half for safety.) 
      
     5. MINIMUM PAYMENTS.  You can make full payment at any time.  If you don't, you must make the minimum payment 
     shown on your statement within 25 days of the closing date reflected on the statement.  Your minimum payment is 
     calculated as 2.5% of your new balance up to your credit limit, but at least $25.00.  In addition, any balance owed above 
     your credit limit will also be due as part of your minimum payment.  However, if the new balance as shown on your 
     statement is less than $25.00, you pay only the balance owed.   
      
     6. IRREGULAR PAYMENTS.  You agree that we may accept partial payments of amounts due or late payments without 
     losing any of our rights under this Agreement.  You also agree that we may accept checks and money orders marked 
     "payment in full" or otherwise purporting to be in full satisfaction of your outstanding balance without accepting any such 
     condition or losing any of our rights in this Agreement. 
      
     7. HOW WE APPLY YOUR PAYMENTS.  Loan payments are applied in the following order: unpaid finance charges, 
     previously billed miscellaneous charges (i.e. Late Fee(s), Debt Protection Premium(s), if applicable), and principal 
     reduction.  The principal reduction portion of the payment is credited to balances in the following order, unless otherwise 
     required by law:  cash advance, balance transfer, and finally purchases.    
      
     8. FINANCE CHARGES.  You can avoid FINANCE CHARGES (interest) on purchases by paying the full amount of the 
     New Balance of Purchases each month within 25 days of your statement closing date.  Balances not paid in full, along 
     with subsequent purchases from the date they are posted to your account, which are carried over to the next billing cycle 
     will be subject to a FINANCE CHARGE.  Cash Advances and Balance Transfers are always subject to a FINANCE 
     CHARGE from the date they are posted to your account.  FINANCE CHARGES are calculated using the average daily 
     principal balances of purchases, cash advances and balance transfers in the account.  The principal balances of 
     purchases, cash advances and balance transfers are determined each day during the statement period, beginning with 
     Updated:  06/01/2022 
      
     the principal portion of your Previous Balances, reduced by payments you make and credits we apply, and increased by 
     purchases, cash advances and balance transfers you make and debit adjustments we make during the statement period.  
     The daily principal balances are totaled and divided by the number of days in the statement period, to produce separate 
     average daily principal balances for purchases, cash advances and balance transfers to which the periodic rate is then 
     applied.    
      
     9A. VARIABLE RATE ACCOUNTS. If your Visa account has a variable rate, your interest rate is based on the Prime 
     Rate published in the Wall Street Journal on the last business day of the month plus a margin that is based on your 
     creditworthiness. Your interest rate will change if the Prime Rate changes.  Any changes in your interest rate will affect the 
     amount of interest you pay and your minimum payment.  The interest rate will be adjusted on the first day of the billing 
     cycle following the prime rate change.  If two rates are reported in the Journal, the higher rate will be used.  Your 
     maximum percentage rate can be 18.00% (Daily periodic rate 0.04932%).  Any request for a change in your account 
     could result in a change in your rate and terms.  Please contact ECU for a copy of current rate information, or see your 
     notification of cardholder approval for your rate. 
      
     9B. FIXED RATE ACCOUNTS. If your Visa account has a fixed rate, Eastman Credit Union will set the ANNUAL 
     PERCENTAGE RATE based on your creditworthiness.  Your fixed ANNUAL PERCENTAGE RATE is between 9.90% 
     (Daily periodic rate 0.02712%) and 18.00% (Daily periodic rate 0.04932%).  (See your notification of cardholder approval 
     for your rate.)     
      
     10. DISPUTES.  You agree to accept monthly statements we mail you as being correct unless you notify Eastman Credit 
     Union (423-229-8200 or 800-999-2328) of any alleged errors within the time period prescribed by law.  Your rights to 
     dispute billing errors are set forth in this Agreement.  Even though an amount is in dispute you understand that you must 
     pay the required minimum payment that is due less the portion attributable to the disputed amount.  If there is a problem 
     with merchandise or services obtained with the Card, you may have the right not to pay the remaining amount due on 
     them.  An explanation of your rights is stated later in this agreement.  We will have no responsibility for merchandise or 
     services purchased with the Card unless required by law. 
      
     11. FAILURE TO HONOR CARD.  We are not responsible if anyone refuses to honor the Card.  
       
     12. CHANGE OF NAME, ADDRESS OR EMPLOYMENT.  You agree to give us your new information if you move, 
     change your name or change your employment.  You will write this information on the payment stub of your periodic 
     statement and return it with your monthly payment so we can change our records. 
      
     13. FINANCIAL AND OTHER INFORMATION.  You agree to promptly provide us, from time to time upon request, with 
     current information regarding you and your financial affairs.  You authorize us to receive, from time to time, information 
     from others concerning you and your credit accounts, and to answer questions from others regarding our credit 
     experience with you. 
      
     14. LOST OR STOLEN CARD/UNAUTHORIZED USE.  If you report your card as lost/stolen or having been used without 
     authorization upon discovering the loss, your liability is zero.  There may be exceptions to the extent allowed under 
     applicable law if our investigation reveals you failed to take necessary steps to prevent unauthorized use of your card. 
      
     You agree to notify us promptly of the loss, theft, or possible unauthorized use of the Card by calling the following 
     number(s): (Call collect if necessary) 423-229-8200 or 1-800-999-2ECU. 
      
     15. NOTICES.  If we have to notify you of anything concerning your credit card account, we will use your name and 
     address as it appears in our records.  If we do this, the notice will be effective. 
      
     16. AUTOMATED EQUIPMENT.  Transactions effected with electronic equipment shall be subject to the rules and 
     regulations applicable to the use of such equipment.  You agree that we will incur no liability by reason of any failure of 
     automated teller machines or similar equipment. 
      
     17. SECURITY INTEREST.  To secure your account, you grant us a purchase money security interest under the Uniform 
     Commercial Code in any goods you purchase through the account.  You have also granted us a security interest in all 
     individual and joint share and/or deposit accounts you have with us now and in the future with the exception of Individual 
     Retirement Accounts or other similar accounts receiving special tax treatment. Collateral securing other loans may also 
     secure this account.   
      
     18.  DEFAULT.  You will be in default if you fail to make any payment when due, exceed your credit limit under any 
     account, die, file or otherwise become subject to any bankruptcy or insolvency proceedings or do not comply with any of 
     Updated:  06/01/2022 
      
     the terms governing any account with us.  You will also be in default if something happens that we believe may seriously 
     affect your ability to repay what you owe under this Agreement.  If you default, we may, at our option, declare any 
     amounts you owe under any or all accounts to be immediately due and payable.  Also, we may revoke the privileges 
     attaching to any or all Card(s), adjust the Annual Percentage Rate due to adverse conditions, cancel the Card(s) and 
     terminate this Agreement as to future Purchases and Cash Advances. 
      
     19.  COLLECTION COSTS.  You promise to pay all collection costs, including attorneys� fees in the amount of 25% of the 
     outstanding balance on your account or as permitted by law.   
      
     20.  RETURNS AND ADJUSTMENTS.  Merchants and others who honor the Card may give credit for returns or 
     adjustments, and they will do so by sending us a credit slip which we will post to your account.  If your credits and 
     payments exceed what you owe us, we will deposit the excess funds in your regular share account no later than 6 months 
     after the statement date following the excess credit or payment.  If you want ECU to deposit the excess funds in your 
     regular share account sooner, you may contact ECU at 800-999-2328. It is the seller's responsibility to promptly mail or 
     deliver the credit to us so we can credit your account.  We aren't responsible for the seller's failure to mail or deliver the 
     credit promptly.   
      
     21. LATE/COLLECTION CHARGE.  You promise to pay a late/collection charge if we have not received the minimum 
     payment by 6:30 PM ET on the third day after the end of your permitted 25-day payment period. (The permitted 25-day 
     payment period is explained under the "Minimum Payments" section.) The late/collection charge will be $25.00 or an 
     amount equivalent to your monthly minimum payment, whichever is less.  However, you will not be required to pay a 
     late/collection charge more than once on the same late amount, even if that amount remains past due for more than one 
     billing period.  You agree not to use your account to make purchases or cash advances from the time a late/collection 
     charge is imposed until you bring your account current by making the minimum payment which you have failed to make. 
      
     22.  DRAFTS/BALANCE TRANSFERS.   We may issue Drafts for use with your Account or process balance transfer 
     requests on your Account.  The amount of each Draft or balance transfer will be charged to your Account as a Cash 
     Advance.  There is no charge for supplying Drafts or processing balance transfer requests.  Drafts must be used only by 
     the account holder and must be completed and signed in the same way as a regular personal check.  You may use the 
     Drafts issued the way you use regular checks, however, you cannot use a draft to pay any amount owed under the 
     Agreement.  We reserve the right to refuse payment of any Draft presented under the following circumstances:  
      
           (a) If you are in default under this Agreement. 
           (b) If your right to use Drafts is cancelled or suspended. 
      
     23. CHANGES IN AGREEMENT.  You agree that the terms of this Agreement may be changed from time to time upon 
     notice, when required by law, being placed in the mail not less than 45 days prior to the effective date of the change.  Any 
     such changes shall be applicable to all balances outstanding on the effective date of the change. 
      
     24.  INVALIDITY.   If one or more provisions of this agreement are declared invalid or unenforceable, the remaining 
     conditions and terms stand on their own and won't be affected. 
      
     25.  WHAT LAW APPLIES?  This agreement and all transactions under it will be governed by laws of the State of 
     Tennessee and the laws of the United States.     
      
      26.  ILLEGAL TRANSACTIONS.  You agree that you will not use your Account/Card to engage in any illegal activities, 
     including but not limited to Online Gambling.  If you use your Account/Card to engage in any illegal activities, you will 
     nevertheless be liable for these activities. 
      
     27.  CHARGES MADE IN FOREIGN CURRENCY (International transactions).  Purchases from merchants located in 
     foreign countries or withdrawals made in foreign countries will be billed to you in U.S. dollars.  The currency conversion 
     rate for international transactions is a rate selected by Visa from the range of rates available in wholesale currency 
     markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the 
     government-mandated rate in effect for the applicable central processing date.  Please note that a credit to your account 
     may not be fully offset due to changes in the exchange rate; therefore, you will be responsible for the difference. 
      
     28.  CASH REWARDS PROGRAM.  Applicable only if you have the ECU Cash Rewards Visa.  You will earn at least one 
     percent (1%) cash back (the �Cash Reward�) on Net Purchases made with the Card. Net purchases are earned based on 
     new net retail transactions ("Net Purchases" i.e. purchases less credits, returns and adjustments) charged to the Account 
     during each periodic billing cycle. When a purchase or transaction is not a whole dollar amount, any fraction equal to or 
     greater than $0.50 will be rounded up to the nearest whole dollar and any fraction equal to or less than $0.49 will be 
     Updated:  06/01/2022 
      
     rounded down to the nearest whole dollar. Transactions that are not eligible for Cash Rewards include, but are not limited 
     to, cash advances including ATM withdrawals, money orders, balance transfers, convenience checks, drafts, fees, interest 
     charges and travelers check purchases.  Earned Cash Rewards will be itemized on your periodic statement and will 
     indicate total amount of cash rewards earned during the statement month and total amount of cash rewards available for 
     redemption. We reserve the right to exclude from Net Purchases unauthorized Purchases (or which are later returned or 
     disputed) and Purchases which are added to your Account after you are past due or over limit. We reserve the right to add 
     other transactions to the list of ineligible transactions at our discretion and at any time. Any questions regarding eligibility 
     of transactions shall be determined by us in our sole discretion. This program is void where prohibited or restricted by law. 
     You are responsible for any federal, state or local income or other taxes. We reserve the right to modify, amend or 
     terminate the Cash Rewards Program at any time. 
      
     29.  CASH REWARDS REDEMPTION.  Applicable only if you have the ECU Cash Rewards Visa.  You may request a 
     reward redemption at any point after reward amount reaches $25.00. Rewards will not be given in an amount less than 
     $25.00. Reward shall be deposited by ACH into the ECU account of your choice. Rewards shall be requested through 
     ECU�s Online Banking or via a request to us. Your Account must be open and in good standing at the time of redemption. 
     We reserve the right to suspend your participation in the Cash Rewards Program until your Account is in good standing. 
      
     30.  PLATINUM PREFERRED REWARDS PROGRAM. Applicable only if you have the ECU Platinum Preferred Visa.  
     Cardholders will be enrolled in ECU Credit Card Rewards, a points-based rewards program.  You will earn at least one 
     point on Net Purchases made with the Card. Net purchases are earned based on new net retail transactions ("Net 
     Purchases" i.e. purchases less credits, returns and adjustments) charged to the Account during each periodic billing cycle. 
     When a purchase or transaction is not a whole dollar amount, any fraction equal to or greater than $0.50 will be rounded 
     up to the nearest whole dollar and any fraction equal to or less than $0.49 will be rounded down to the nearest whole 
     dollar. Transactions that are not eligible for Rewards include, but are not limited to, cash advances including ATM 
     withdrawals, money orders, balance transfers, convenience checks, drafts, fees, interest charges and travelers check 
     purchases.  Earned Rewards will be itemized on your periodic statement and will indicate total amount of rewards earned 
     during the statement month and total amount of rewards available for redemption. We reserve the right to exclude from 
     Net Purchases unauthorized Purchases (or which are later returned or disputed) and Purchases which are added to your 
     Account after you are past due or over limit. We reserve the right to add other transactions to the list of ineligible 
     transactions at our discretion and at any time. Any questions regarding eligibility of transactions shall be determined by us 
     in our sole discretion. This program is void where prohibited or restricted by law. You are responsible for any federal, state 
     or local income or other taxes. We reserve the right to modify, amend or terminate the Rewards Program at any time. 
     Additional terms and conditions of the ECU Credit Card Rewards program are included in the Program terms and 
     conditions and can be obtained at https://ecu.org/creditcardrewards.   
      
     31.  USE OF CARD.  Use of the card signifies agreement to the current conditions set forth by the financial institution.   
      
     32.  MILITARY LENDING ACT MEMBERS. Federal law provides important protections to members of the Armed Forces 
     and their dependents relating to extensions of consumer credit.  In general, the cost of consumer credit to a member of 
     the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.  This rate must 
     include, as applicable to the credit transaction or account:  costs associated with credit insurance premiums; fees for 
     ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application 
     fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees 
     for a credit card account).  Please call us at 1-877-230-3362 to receive disclosures orally.     
     Updated:  06/01/2022 
      
      
      Interest Rates and Interest Charges 
                        CLASSIC               CLASSIC              PLATINUM  
                         FIXED               VARIABLE�             PREFERRED� 
                 Eastman Credit Union will set  Based on Prime Rate plus a  FIXED 
                 your fixed APR based on your  margin based on your     
       PROGRAM   creditworthiness.  You will be  creditworthiness.  You will be 
                 informed of your specific APR  informed of your specific APR 
                     before you become    before you become 
                  contractually liable for the  contractually liable for the 
                        account.      account.  Your interest rate may 
                                              change. 
                                                 
                    Minimum fixed rate      APR may vary.         Low fixed rate 
        Annual                               Currently 
                       10.90%                                       9.90% 
       Percentage 
                   to a Maximum fixed rate   8.50% to 
       Rate (APR)� 
          for          18.00%                18.00% 
       Purchases  Based on creditworthiness  Based on creditworthiness 
                    Minimum fixed rate      APR may vary.         Low fixed rate 
         APR�                                Currently 
                       10.90%                                       9.90% 
          for 
                   to a Maximum fixed rate   8.50% to 
         Balance 
        Transfers      18.00%                18.00% 
                  Based on creditworthiness  Based on creditworthiness 
                    Minimum fixed rate      APR may vary.         Low fixed rate 
         APR�                                Currently 
                       10.90%                                       9.90% 
          for  
                   to a Maximum fixed rate   8.50% to 
         Cash 
        Advances       18.00%                18.00% 
                  Based on creditworthiness  Based on creditworthiness 
       Penalty APR                                                      
       and When It        NA                   NA                     NA 
        Applies 
                                                                        
                 Your due date is at least 25 days  Your due date is at least 25 days  Your due date is at least 25 days 
                  after the close of each billing  after the close of each billing  after the close of each billing 
        PAYING   cycle.  We will not charge you  cycle.  We will not charge you  cycle.  We will not charge you any 
        INTEREST  any interest on purchases if you  any interest on purchases if you  interest on purchases if you pay 
                 pay your entire balance by the  pay your entire balance by the  your entire balance by the due 
                 due date each month.  We will  due date each month.  We will  date each month.  We will begin 
                 begin charging interest on cash  begin charging interest on cash  charging interest on cash 
                 advances and balance transfers  advances and balance transfers  advances and balance transfers 
                   on the transaction date.  on the transaction date.  on the transaction date. 
       Minimum                                                          
        Interest          NA                   NA                     NA 
        Charge 
     Updated:  06/01/2022 
      
       For Credit  To learn more about factors to  To learn more about factors to  To learn more about factors to 
        Card Tips  consider when applying for or  consider when applying for or  consider when applying for or 
        from the  using a credit card, visit the  using a credit card, visit the  using a credit card, visit the 
       Consumer    website of the Consumer  website of the Consumer  website of the Consumer Financial 
        Financial  Financial Protection Bureau at  Financial Protection Bureau at  Protection Bureau at 
       Protection  http://www.consumerfinance.  http://www.consumerfinance.  http://www.consumerfinance. 
        Bureau        gov/learnmore         gov/learnmore         gov/learnmore 
      
      Fees  
                                                                       
       Annual Fee       NONE                  NONE                  NONE 
            
            
       Transaction                                                     
         Fees                                                          
        *Balance        NONE                  NONE                  NONE 
        Transfer                                                       
         *Cash          NONE                  NONE                  NONE 
        Advance 
            
         Visa�                                                         
      International                                                    
        Service         NONE                  NONE                  NONE 
       Assessment 
        (ISA) Fee 
       Penalty Fees                                                    
         *Late         Up to $25             Up to $25             Up to $25 
        Payment                                                        
       *Over-the-       NONE                  NONE                  NONE 
       Credit Limit                                                    
       *Returned        NONE                  NONE                  NONE 
        Payment 
     �The U.S. Prime Rate used to determine your APRs for each billing period is the U.S. Prime Rate published in the Wall Street Journal 
     on the last business day of the month.  If two rates are reported, the higher rate will be used. 
     �Platinum Preferred offers a Rewards Program � for every dollar spent (net purchases only), you earn at least one point toward 
     various gift items and travel services.   
     �APR information is accurate as of June 1, 2022 and may change after that.  To find out what may have changed, write to ECU, P.O. 
     Box 1989, Kingsport, TN 37662 or call 423-229-8200 or 800-999-2328.  Illinois residents may contact the Illinois Commissioner of 
     Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. 
     Box 10181, Springfield, IL 62791 or 800-634-5452.  Visa� is a federally registered service mark of Visa U.S.A., Inc. 
     How We Will Calculate Your Balance:  We use a method called �average daily balance (including new purchases)�.  See your account 
     agreement for more details. 
     Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
     agreement. 
     Minimum Monthly Payment � 2.5% of your new balance, but at least $25.00.  Balances under $25.00 must be paid in full. 
      
      
      
      
      
      
     Updated:  06/01/2022 
      
      Interest Rates and Interest Charges   
                              CLASSIC SECURE              ECU CASH REWARDS� 
                                 FIXED                         FIXED 
         PROGRAM     Eastman Credit Union will set your fixed APR  Eastman Credit Union will set your fixed APR 
                     based on your creditworthiness.  You will be  based on your creditworthiness.  You will be 
                      informed of your specific APR before you  informed of your specific APR before you 
                     become contractually liable for the account.  become contractually liable for the account. 
                             Minimum fixed rate            Minimum fixed rate 
       Annual Percentage 
                               10.90%                         12.90% 
         Rate (APR)� 
                           to a Maximum fixed rate       to a Maximum fixed rate 
            for  
          Purchases            18.00%                         17.90% 
                          Based on creditworthiness      Based on creditworthiness 
                             Minimum fixed rate            Minimum fixed rate 
           APR� 
                               10.90%                         12.90% 
            for 
                           to a Maximum fixed rate       to a Maximum fixed rate 
        Balance Transfers 
                               18.00%                         17.90% 
                          Based on creditworthiness      Based on creditworthiness 
                             Minimum fixed rate            Minimum fixed rate 
           APR� 
                               10.90%                         12.90% 
            for  
                           to a Maximum fixed rate       to a Maximum fixed rate 
        Cash Advances 
                               18.00%                         17.90% 
                          Based on creditworthiness      Based on creditworthiness 
        Penalty APR and                                           
        When It Applies           NA                            NA 
                      Your due date is at least 25 days after the  Your due date is at least 25 days after the 
       PAYING INTEREST  close of each billing cycle.  We will not charge  close of each billing cycle.  We will not charge 
                     you any interest on purchases if you pay your  you any interest on purchases if you pay your 
                     entire balance by the due date each month.   entire balance by the due date each month.  
                       We will begin charging interest on cash  We will begin charging interest on cash 
                       advances and balance transfers on the  advances and balance transfers on the 
                             transaction date.              transaction date. 
       Minimum Interest                                           
          Charge                  NA                            NA 
                                                                  
       For Credit Card Tips  To learn more about factors to consider  To learn more about factors to consider when 
       from the Consumer  when applying for or using a credit card, visit  applying for or using a credit card, visit the 
      Financial Protection  the website of the Consumer Financial  website of the Consumer Financial Protection 
          Bureau            Protection Bureau at              Bureau at 
                     http://www.consumerfinance.gov/learnmore  http://www.consumerfinance.gov/learnmore 
      
       
     Updated:  06/01/2022 
      
      
      Fees   
                                                                    
      Annual Fee                  NONE                           NONE 
       
       
      Transaction Fees                                              
                                                                    
      *Balance Transfer           NONE                           NONE 
                                                                    
      *Cash Advance               NONE                           NONE 
       
      Visa� International                                         
      Service Assessment          NONE                          NONE 
      (ISA) Fee 
      Penalty Fees                                                
      *Late Payment              Up to $25                     Up to $25 
                                                                  
      *Over-the-Credit Limit      NONE                          NONE 
                                                                  
      *Returned Payment           NONE                          NONE 
     �ECU Cash Rewards offers a reward program that for every dollar spent (net purchases only), you earn at least 1% cash.  Please 
     review your Cardholder Agreement for complete details. 
     �APR information is accurate as of June 1, 2022 and may change after that.  To find out what may have changed, write to ECU, P.O. 
     Box 1989, Kingsport, TN 37662 or call 423-229-8200 or 800-999-2328.  Illinois residents may contact the Illinois Commissioner of 
     Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. 
     Box 10181, Springfield, IL 62791 or 800-634-5452.  Visa� is a federally registered service mark of Visa U.S.A., Inc. 
     How We Will Calculate Your Balance:  We use a method called �average daily balance (including new purchases)�.  See your account 
     agreement for more details. 
     Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
     agreement. 
     Minimum Monthly Payment � 2.5% of your new balance, but at least $25.00.  Balances under $25.00 must be paid in full. 
      
      
      
      
      
      
      
     Updated:  06/01/2022 
      
                     YOUR BILLING RIGHTS- KEEP THIS NOTICE FOR FUTURE USE 
      
     This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. 
      
     NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL 
     If you think your bill is wrong, or need more information about a transaction on your bill, write us on a separate sheet at: 
      
                            Eastman Credit Union                     Phone - 1-800-999-2328 
                            Card Services    Fax -      1-423-578-7626 
                            P. O. Box 1989 
                            Kingsport, TN 37662 
     Write to us as soon as possible.  We must hear from you no later than 60 days after we have sent you the first bill on which the error or 
     problem appeared.  You can telephone us, but doing so will not preserve your rights.  If you prefer to contact ECU directly, you may 
     write us at ECU Card Services P.O. Box 1989 Kingsport, TN 37662 or call 1-800-999-2328. You may also email your request via 
     secure email at https://securemail-ecu.org. Login/register, click on �Compose� and submit to ecenter@ecu.org. If your card is reported 
     as being blocked due to fraud or dispute after ECU�s normal business hours, additional information will be necessary so please contact 
     ECU (800-999-2328, X7496) the following business day. 
      
     Whether you report the error or problem by letter or phone, please provide: 
           (a) Your name and account number   
           (b) The dollar amount of suspected error. 
           (c) Describe the error and explain, if you can, why you believe there is an error.  If you need more information, describe the 
           item you are not sure about. 
     If you have authorized ECU to pay your credit card bill automatically from your share or share draft account, you can stop the payment 
     of any amount you think is wrong.  To stop the payment, a separate letter must reach us three business days before the automatic 
     payment is scheduled to occur.  Mail to:  ECU Card Services, P.O. Box 1989, Kingsport, TN  37662 
      
     YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE 
     We must acknowledge your letter within 30 days, unless we have corrected the error by then.  Within 90 days, we must either correct 
     the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, 
     or report you as delinquent.  We can continue to bill you for the amount you question, including finance charges.  We can apply any 
     unpaid amount against your credit limit.  You do not have to pay any questioned amount while we are investigating, but you are still 
     obligated to pay parts of your bill not in question. 
     If we find that we made a mistake on your bill, you will not have to pay the amount in question or any finance charges or other fees 
     related to any questioned amount.  If we didn't make a mistake, you will have to pay the amount in question, along with applicable 
     finance charges and fees.  In either case, we will send you a statement of the amount you owe and the date that it is due. 
     If you fail to pay the amount that we think you owe, we may report you as delinquent.  However, if our explanation does not satisfy you 
     and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question 
     about your bill.  And, we must tell you the name of anyone we reported you to.  We must tell anyone we report you to that the matter 
     has been settled between us when it finally is. 
     If we don't follow these rules, we can't collect the first $50 of questioned amount, even if your bill was correct. 
      
     SPECIAL RULE FOR CREDIT CARD PURCHASES 
     If you are dissatisfied with the goods or services that you have purchased with a credit card and you have tried in good faith to correct 
     the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.  To use this right, the 
     following must be true: 
     (a) You must have made the purchase in your home state, or if not within your home state, within 100 miles of your current mailing 
     address, and the purchase price must have been more than $50.  (Note:  Neither of these are necessary if your purchase was based on 
     an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 
     (b) You must have used your credit card for the purchase.  Purchases made with cash advances from an ATM or with a check that 
     accesses your credit card account do not qualify. 
     (c) You must not yet have fully paid for the purchase. 
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 
     ECU Card Services P.O. Box 1989 Kingsport, TN 37662 
      
     While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our investigation, we will tell 
     you our decision.  At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
     Updated:  06/01/2022