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    (/)
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                                               VISA� CARDHOLDER AGREEMENT
                    MENU ?
                  UPDATED 11/1/19
                  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 agree to be responsible for all obligations incurred
                  through the authorized use of the account.  Use of the account by you or by anyone for your
                  bene�t, or with your actual, implied or apparent authority shall be authorized use.  Until you
                  notify us in writing to the contrary, use of the account by your spouse or children or any
                  person who is a member of your immediate household shall be an authorized use.
                   
                  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 o�ered by Visa U.S.A., Inc.
                   
                  3. PROMISE TO PAY.  You promise to pay the total amount owed for any goods and services
                  purchased or cash advances obtained through the authorized use of the Account. You also
                  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.   We may issue additional Cards
                  to other persons you authorize to use your Account if either Borrower asks us to do so. 
                  However, you are responsible for all charges made by any person(s) you have authorized to
                  use your account. 
                   
                  4. CREDIT LINE.  You will be noti�ed 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 our credit committee or loan
                  o�cer.  By giving you written notice our credit committee 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 a�ect 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 ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES )
                  make the minimum payment shown on your statement within 25 days of the closing date
    (/)
                  re�ected on the statement.  Your minimum payment will be 2.5% of your new balance as
                  shown on your statement, but at least $25.00.  However, if the new balance as shown on
                  your statement is less than $25.00 you pay only the balance owed.
                   ?  CONTACT (HTTPS : / /WWW.ECU.ORG /CONTACT ) ?  CLOSE ?  ECU ONLINE (HTTPS : / /WWW.ECU.ORG /ECU -ONLINE )
                   
                  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
                    MENU
                  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 �nance 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:  cash advance, balance
                  transfer, and �nally 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.  Otherwise, the New Balance of Purchases, and subsequent
                  purchases from the date they are posted to your account will be subject to a FINANCE
                  CHARGE.  Cash advances 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 and cash advances in the account.  The principal balances
                  of purchases and cash advances are determined each day during the statement period,
                  beginning with the principal portion of your Previous Balances, reduced by payments you
                  make and credits we apply, and increased by purchases and cash advances 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 and cash advances 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 a�ect the amount
                  of interest you pay and your minimum payment.  The interest rate will be adjusted on the �rst
                  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 noti�cation of cardholder approval for your rate.
                   
                  9B. FIXED RATE ACCOUNTS. If your Visa account has a �xed rate, Eastman Credit Union
                  will set the ANNUAL PERCENTAGE RATE based on your creditworthiness.  Your �xed
                  ANNUAL PERCENTAGE RATE is between 9.90% (Daily periodic rate 0.02712%) and 18.00%
                  (Daily periodic rate 0.04932%).  (See your noti�cation 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
                   ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES )
                  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 ?  CONTACT (HTTPS : / /WWW.ECU.ORG /CONTACT ) ?  CLOSE ?  ECU ONLINE (HTTPS : / /WWW.ECU.ORG /ECU -ONLINE )
                  later in this agreement.  We will have no responsibility for merchandise or services
                  purchased with the Card unless required by law.
                   
                    MENU ?
                  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 �nancial a�airs.  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
                  e�ective.
                   
                  16. AUTOMATED EQUIPMENT.  Transactions e�ected 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, �le or otherwise become subject to any bankruptcy or
                   ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES )
                  insolvency proceedings or do not comply with any of the terms governing any account with
    (/)           us.  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. ?  CONTACT (HTTPS : / /WWW.ECU.ORG /CONTACT ) ?  CLOSE ?  ECU ONLINE (HTTPS : / /WWW.ECU.ORG /ECU -ONLINE )
                   
                  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.  
                    MENU ?
                   
                  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 within 15 days 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 e�ective date of the change.  Any such changes shall be
                  applicable to all balances outstanding on the e�ective 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
                   ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES )
                  a�ected.
    (/)
                   
                  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.    ?  CONTACT (HTTPS : / /WWW.ECU.ORG /CONTACT ) ?  CLOSE ?  ECU ONLINE (HTTPS : / /WWW.ECU.ORG /ECU -ONLINE )
                   
                   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 MENU ?
                  Account/Card to engage in any illegal activities you will nevertheless be liable for these
                  activities.
                   
                  27.  CHARGES MADE IN FOREIGN CURRENCY (International transactions).  If you incur a
                  charge in foreign currency, it will be billed to your account in U.S. Dollars.  The exchange rate
                  between the transaction currency and the billing currency used for processing 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 e�ect for the applicable central
                  processing date.  Please note that a credit to your account may not be fully o�set due to
                  changes in the exchange rate; therefore, you will be responsible for the di�erence.
                   
                  28.  CASH REWARDS PROGRAM.  Applicable only if you have the ECU Cash Rewards Visa. 
                  You will earn 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 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 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.  USE OF CARD.  Use of the card signi�es agreement to the current conditions set forth
                  by the �nancial institution. 
                   ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES )
                   
    (/)
                  31. 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 ?  CONTACT (HTTPS : / /WWW.ECU.ORG /CONTACT ) ?  CLOSE ?  ECU ONLINE (HTTPS : / /WWW.ECU.ORG /ECU -ONLINE )
                  her dependent may not exceed an annual percentage rate of 36 percent.  This rate must
                  include, as applicable to the credit transaction or account:  The 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 speci�ed
                    MENU ?
                  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.  
                   
                    Interest Rates and Interest Charges
                                                                     CLASSIC
                                        CLASSIC  
                                                                    VARIABLE�
                                         FIXED
                                                           Based on Prime Rate plus a margin based o
                                                           your creditworthiness.  You will be informed
                              Eastman Credit Union will set your �xed APR
                                                             your speci�c APR before you become
                              based on your creditworthiness.  You will be
                                                            contractually liable for the account.  Your
                               informed of your speci�c APR before you
                                                                interest rate may change.
                    PROGRAM   become contractually liable for the account.
                                                                        
                        
                                     Minimum �xed rate              APR may vary.
                     Annual
                                        10.90%                       Currently
                    Percentage
                      Rate
                                    to a Maximum �xed rate           9.25% to
                     (APR)�
                                        18.00%                       18.00%
                      for
                                   Based on creditworthiness    Based on creditworthiness
                    Purchases
                                     Minimum �xed rate              APR may vary.
                        
                                        10.90%                       Currently
                     APR�
                                    to a Maximum �xed rate           9.25% to
                      for
                                        18.00%                       18.00%
                     Balance
                    Transfers
                                   Based on creditworthiness    Based on creditworthiness
                                                                                /
                                     Minimum �xed rate              APR may vary.
                   ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES )
                     APR�               10.90%                       Currently
    (/)
                      for           to a Maximum �xed rate           9.25% to
                     Cash               18.00%                       18.00%
                   ?  CONTACT (HTTPS : / /WWW.ECU.ORG /CONTACT ) ?  CLOSE ?  ECU ONLINE (HTTPS : / /WWW.ECU.ORG /ECU -ONLINE )
                    Advances       Based on creditworthiness    Based on creditworthiness
                    MENU ?
                     Penalty
                                                                        
                    APR and
                     When It
                                          NA                           NA
                     Applies
                                                                        
                        
                               Your due date is at least 25 days after the Your due date is at least 25 days after the
                              close of each billing cycle.  We will not charge close of each billing cycle.  We will not charg
                              you any interest on purchases if you pay your you any interest on purchases if you pay yo
                        
                              entire balance by the due date each month.  entire balance by the due date each month
                     PAYING     We will begin charging interest on cash We will begin charging interest on cash
                    INTEREST    advances and balance transfers on the advances and balance transfers on the
                                      transaction date.            transaction date.
                    Minimum                                             
                     Interest
                     Charge               NA                           NA
                              To learn more about factors to consider when To learn more about factors to consider whe
                    For Credit applying for or using a credit card, visit the applying for or using a credit card, visit the
                    Card Tips website of the Consumer Financial Protection website of the Consumer Financial Protectio
                    from the            Bureau at                    Bureau at
                    Consumer
                                  https://www.consumer�nance.  https://www.consumer�nance.
                    Financial
                              (https://www.consumer�nance.gov/learnmore/) (https://www.consumer�nance.gov/learnmor
                    Protection
                     Bureau           gov/learnmore                gov/learnmore
                              (https://www.consumer�nance.gov/learnmore/) (https://www.consumer�nance.gov/learnmor
                   
                    Fees                                                                                                                                                                     
                                                                                /
                        
                   ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES )
                    Annual Fee                                       
    (/)
                                  NONE            NONE             NONE
                   ?  CONTACT (HTTPS : / /WWW.ECU.ORG /CONTACT ) ?  CLOSE  
                                              ?  ECU ONLINE (HTTPS : / /WWW.ECU.ORG /ECU -ONLINE )
                    Transaction
                                                                     
                    MENU Fees
                        ?
                                                                     
                    *Balance    
                     Transfer
                                  NONE            NONE             NONE
                      *Cash
                                                                     
                     Advance
                                  NONE            NONE             NONE
                        
                      Visa�
                                                                     
                    International
                     Service                                         
                    Assessment
                                  NONE            NONE             NONE
                     (ISA) Fee
                     Penalty
                                                                     
                      Fees
                                 Up to $25       Up to $25        Up to $25
                      *Late
                     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 o�ers a Rewards Program � for every dollar spent (purchases only), you
                  earn at least one point toward various gift items and travel services. 
                  �APR information is accurate as of November 1, 2019, and may change after that.  To �nd 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, Spring�eld, 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.
                   ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES )
                  Minimum Monthly Payment � 2.5% of your new balance, but at least $25.00.  Balances
    (/)
                  under $25.00 must be paid in full.
                   
                   ?  CONTACT (HTTPS : / /WWW.ECU.ORG /CONTACT ) ?  CLOSE ?  ECU ONLINE (HTTPS : / /WWW.ECU.ORG /ECU -ONLINE )
                    Interest Rates and Interest Charges          
                    MENU ?
                                     CLASSIC SECURE              ECU CASH REWARDS�
                                        FIXED                        FIXED
                              Eastman Credit Union will set your �xed APR Eastman Credit Union will set your �xed AP
                              based on your creditworthiness.  You will be based on your creditworthiness.  You will be
                    PROGRAM
                               informed of your speci�c APR before you informed of your speci�c APR before you
                              become contractually liable for the account. become contractually liable for the account
                                     Minimum �xed rate            Minimum �xed rate
                     Annual             10.90%                       12.90%
                    Percentage
                    Rate (APR)�     to a Maximum �xed rate       to a Maximum �xed rate
                      for               18.00%                       17.90%
                    Purchases      Based on creditworthiness    Based on creditworthiness
                                     Minimum �xed rate            Minimum �xed rate
                        
                                        10.90%                       12.90%
                     APR�
                                    to a Maximum �xed rate       to a Maximum �xed rate
                      for
                                        18.00%                       17.90%
                     Balance
                    Transfers
                                   Based on creditworthiness    Based on creditworthiness
                                     Minimum �xed rate            Minimum �xed rate
                        
                                        10.90%                       12.90%
                     APR�
                                    to a Maximum �xed rate       to a Maximum �xed rate
                      for
                                        18.00%                       17.90%
                     Cash
                    Advances
                                   Based on creditworthiness    Based on creditworthiness
                     Penalty
                                                                        
                    APR and
                     When It
                                         NA                           NA
                     Applies
                                                                                /
                               Your due date is at least 25 days after the Your due date is at least 25 days after the
                   ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES )
                              close of each billing cycle.  We will not charge close of each billing cycle.  We will not charg
    (/)                 
                              you any interest on purchases if you pay your you any interest on purchases if you pay you
                              entire balance by the due date each month.  entire balance by the due date each month
                     PAYING
                               We will begin charging interest on cash We will begin charging interest on cash
                    INTEREST
                   ?  CONTACT (HTTPS : / /WWW.ECU.ORG /CONTACT ) ?  CLOSE advances and balance transfers on the ?  ECU ONLINE (HTTPS : / /WWW.ECU.ORG /ECU -ONLINE ) advances and balance transfers on the
                                      transaction date.            transaction date.
                    MENU Minimum ?                                      
                     Interest
                     Charge              NA                           NA
                                                                        
                    For Credit To learn more about factors to consider when To learn more about factors to consider whe
                    Card Tips  applying for or using a credit card, visit the applying for or using a credit card, visit the
                    from the  website of the Consumer Financial Protection website of the Consumer Financial Protectio
                    Consumer            Bureau at                    Bureau at
                    Financial
                    Protection https://www.consumer�nance.gov/learnmore https://www.consumer�nance.gov/learnmor
                     Bureau  (https://www.consumer�nance.gov/learnmore/) (https://www.consumer�nance.gov/learnmore
                   
                   
                   
                    Fees                                                                                                                                                                                            
                                             
                     
                    Annual Fee                                              
                                             NONE                        NONE
                     
                                                                                /
                    Transaction Fees
                   ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES )    
                     
    (/)
                                                                            
                    *Balance Transfer
                                             NONE                        NONE
                     
                   ?  CONTACT (HTTPS : / /WWW.ECU.ORG /CONTACT ) ?  CLOSE ?  ECU ONLINE (HTTPS : / /WWW.ECU.ORG /ECU -ONLINE )
                                                                            
                    *Cash Advance
                                             NONE                        NONE
                     
                    MENU ?
                   
                    Visa�
                    International                          
                    Service
                    Assessment       NONE                NONE
                    (ISA) Fee
                    Penalty
                    Fees
                                                           
                    *Late
                    Payment         Up to $25          Up to $25
                                                           
                    *Over-the-       NONE                NONE
                    Credit Limit
                                                           
                     
                                     NONE                NONE
                    *Returned
                    Payment
                  �ECU Cash Rewards o�ers 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 November 1, 2019, and may change after that.  To �nd 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, Spring�eld, 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.
                                                                                /
                   
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    (/)
                   
                  This notice contains important information about your rights and our responsibilities under
                  the Fair Credit Billing Act.
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                  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 MENU ?
                  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 �rst 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 (https://securemail-
                  ecu.org/s/login?b=ecu). Login/register, click on �Compose� and submit to ecenter@ecu.org
                  (mailto: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 you will be
                  contacted the following business day by an ECU representative.
                   
                  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
                  �nance 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 �nd that we made a mistake on your bill, you will not have to pay the amount in
                  question or any �nance charges or other fees related to any questioned amount.  If we didn't
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                  make a mistake, you will have to pay the amount in question, along with applicable �nance
    (/)           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. 
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                  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 �nally is.
                    MENU ?
                  If we don't follow these rules, we can't collect the �rst $50 of questioned amount, even if
                  your bill was correct.
                   
                  SPECIAL RULE FOR CREDIT CARD PURCHASES
                  If you are dissatis�ed 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 dissatis�ed 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 �nish 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.
     Eastman Credit Union ABOUT ?          SERVICES ?         RESOURCES ?
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                        � 2019 Eastman Credit Union. All rights reserved.
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