CREDIT CARD ACCOUNT 
AGREEMENT AND DISCLOSURE 

THIS  IS  YOUR CREDIT CARD  ACCOUNT  AGREEMENT  AND  IT  INCLUDES NECESSARY  FEDERAL  TRUTH-IN-LENDING   DISCLOSURE 
STATEMENTS,  REWARDS VISA,  SHARE SECURED  VISA  AND  PLATINUM  VISA  AGREEMENTS,  AND  ANY  SPECIAL  INSTRUCTIONS 
REGARDING   THE  USE  OF  YOUR  REWARDS VISA,  SHARE  SECURED  VISA  AND  PLATINUM  VISA  CREDIT  CARDS,  AND/OR  ANY 
OTHER ACCOUNT  ACCESS DEVICE. PLEASE  BE CERTAIN TO  READ THIS  AGREEMENT  CAREFULLY  AND  NOTIFY US  AT  ONCE IF 
ANY PARTS  ARE UNCLEAR. 

Account Number  N/A  

Received by Member(s)  N/A    

Initial  

Initial  

Date  

Mailed to Member(s)  N/A     

Staff Initial    Date 

Interest Rate and Interest Charges 

Annual Percentage  Rate (APR) 
For Purchases 

Annual Percentage  Rate (APR) 
For Balance Transfers 

Rewards  VISA:  9.99-18.99 % 
Share Secured VISA:  1 1.99% 
Platinum VISA:  8 .99-17.99% 

Rewards  VISA: 9.99-18.99% 
Share Secured VISA:  11.99 % 
Platinum VISA: 8.99-17.99% 

Annual Percentage  Rate (APR) 
For Cash Advances 

Rewards  VISA: 9.99-18.99% 
Share Secured VISA:  11.99% 
Platinum VISA: 8  .99-17.99% 

Paying Interest 

We  will   not  charge  You  interest  on  purchases  if  You  pay  Your  entire  balance  owed 
each  month  within  28  days  of  Your  statement  closing  date.  We  will   begin  charging 
interest on cash advances and balance transfers on  the transaction  date. 

For Credit Card Tips from 
the Consumer Financial 
Protection  Bureau 

To learn more about factors to consider  when applying for or using a Credit Card, visit 
the website of the Consumer  Financial Protection  Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Transaction  Fees 
.  Foreign Transaction 

Penalty Fees 
.  Returned Payment 
.  Late Charge 

1.00  %  of each foreign  currency  transaction in U.S.  dollars. 
1.00  %  of each U.S.  Dollar  transaction that occurs  in  a foreign country. 

Up to $35.00 
Up to $35.00 

How  We  Will Calculate Your Balance:  We  use  a method  called  "average  daily  balance  (including  new  purchases)."  See 
Your  Account  Agreement  for details. 

Billing  Rights: Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your 
Account  Agreement. 

DEFINITIONS. In  this  Agreement, the  reference  to "We,"  "Us,"  "Our" and  "Credit  Union"  mean  PARKSIDE  CREDIT  UNION.  The  words  "You"  and  "Your"  mean 
each  person  accepting  this  Agreement.  If  this  is  a joint  Account,   read singular  pronouns  in  the  plural.  The  words  "Card"  and  "Credit  Card"  mean  any  Rewards 
VISA,  Share Secured  VISA  or  Platinum  VISA  Credit  Card issued  to You  by  Us  and  any  duplicates  or  renewals.  The  word  "Account"  means  the  Rewards  VISA, 
Share  Secured  VISA  or  Platinum  VISA  Credit  Card  Account   established  for  You  under  this  Agreement.    "Convenience  Checks"  mean  the  special  Account 
access devices  that We may  provide  for Your  use from time to time. 

PROMISE  TO  PAY.  You  understand  that  the  following  terms  and  conditions  found  herein  constitute  Our  Agreement  with  You.  You  may  request  advances  on 
Your  Account   through  a variety of  means  which  could  include  (but  may  not  be  limited  to) advance  request  forms, vouchers,  checks,  charge  slips,  Convenience 
Checks,  Credit  Cards,  and  the  like.  Regardless of  the  means  by  which  any  advance  is  made,  You  promise  to  pay  Us  all  amounts  charged  to  Your  Account   by 
You  or  by  any  user  who  has  access  to Your  Account,   with actual,  apparent  or  implied  authority for  use  of  Your  Account,   including  Finance Charges and  other 
fees or charges described  herein. 

Copyright Oak Tree Business Systems,  Inc.,  2010-2016. All  Rights Reserved. 

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Account 
Feature Categories 

Monthly 
Periodic Rate 

Rewards VISA 

0.83250000 - 1.58250000 

Share Secured VISA 

0.99916666 

Platinum VISA 

0.74916666 - 1.49916666 

Annual 
Percentage  Rate 

9.99% - 18.99% 

11.99% 

8.99% - 17.99% 

USE OF  YOUR  CARD.  You  may  use  Your  Card  to  buy  goods  and  services  in 
any  place  that it  is  honored  and  to get  cash  advances  at  participating  financial 
institutions.  You  agree  not  to  use  Your  Card  for  illegal  transactions  including, 
but   not   limited   to,   advances   made   for   the   purpose   of   gambling   and/or 
wagering   where   such   practices   are  in   violation   of   applicable   state   and/or 
federal  law. 

SECURITY. Collateral  (other  than  household  goods  or  any  dwelling)   given  as 
security under  this  Agreement  or  for any  other loan  You  may  have  with Us will 
secure   all  amounts   You   owe   Us  now   and  in   the   future  if  that  status   is 
reflected  in  the  "Truth-in-Lending  Disclosure"  in  any  particular  Agreement 
evidencing  such  debt. 

CONSENSUAL LIEN ON  SHARES.  You  grant  and  consent to  a  lien  on  Your 
shares  with  Us (except for IRA and Keogh accounts)  and any dividends  due or 
to  become due to  You  from Us  to  the  extent  You  owe  on  any unpaid Credit 
Card balance. 

ACCOUNT  RESTRICTIONS.  In  order  to  receive  and  maintain  a  Share  Secured 
VISA  Account,   You  agree  to  give  Us  a  specific  pledge  of  shares  which   will 
equal  Your  Credit  Limit.  In  the  event  that  You  default  on  Your  Share  Secured 
VISA   Account,   We  may   apply  these  shares  toward  the  repayment   of   any 
amount  owed  on  such  Account.    You  may  cancel  Your  Share  Secured  VISA 
Account   at  any  time  by  paying  any  amounts  owed  on  Your  Account.   To  be 
certain  that  Your  entire  balance  and  all  advances  are  paid,  any  shares  pledged 
may  not  be  available  to  You  for  30  days  after  You  have  cancelled  and  any 
outstanding balance is paid in full. 

LINE OF CREDIT LIMITS.  You  will  be  notified of  each  specific  Credit  Limit  for 
which    You   are   approved.   Unless   You   are   in   default,   any   Credit   Limits 
established for You will  generally be self- replenishing  as You make payments. 

You  will  keep  Your  unpaid  balance  within Your  Credit  Limit  set  by  Us,  and  You 
will  pay  any  amount  over  Your  Credit  Limit  on  Our  demand  whether  or  not  We 
authorize  the  advances  which  caused You  to exceed  Your  Credit  Limit.  Even if 
Your  unpaid  balance  is  less  than  Your  Credit  Limit,  You  will  have  no  credit 
available during  any time that  any aspect of  Your  Account  is in default. 

JOINT ACCOUNTS. Each Borrower  will  be responsible,  jointly  and severally,  for 
the  repayment  of  any  amounts  owed.  If  any  Account   access  device,  such  as a 
Personal  Identification  Number    (PIN)  is    requested  and  approved,    You 
understand  that  any  such  Account   access  device(s)  will  be  mailed  only  to  the 
primary  Borrower  at  the  address  that  We  have  on  file for You.  We  may  refuse 
to follow any instructions which  run counter  to this provision. 

MINIMUM   MONTHLY  PAYMENTS  (PAYMENT  SCHEDULE). Though  You  need 
only  pay  the  Minimum  Monthly   Payments,  You  understand  that  You  have  the 
right  to  repay  at  any  time without  penalty.  You  also  understand  that  You  will 
only  be  charged  periodic  Finance  Charges  to  the  date  You  repay  Your  entire 
balance.  You  may  make  larger  payments  without  penalty.  Any  partial  payment 
or  prepayment   will   not  delay  Your  next  scheduled  payment.   All  payments  to 
Us  must  be  in  lawful  money  of  the  United  States.  Except  as  required  by  law, 
the order in which  We may apply  payments  is at Our discretion. 

Any   unpaid   portion    of   the   Finance   Charge   will    be   paid   by   subsequent 
payments  and  will  not  be added to Your  principal  balance.  You  understand that 
any  delay  in  the  repayment  of  Your  unpaid  balance  will  increase  Your  periodic 
Finance Charges and  any  acceleration  in  the  repayment  of Your  unpaid  balance 
will  decrease Your  periodic  Finance Charges. 

Minimum   Payments  will   be  an  amount   equal  to  3.00%  of  Your  new  unpaid 
Account   balance  at  the  end  of  each  billing   cycle,   subject  to  the  lesser  of 
$35.00 or  Your  balance,  plus  any portion  of the  Minimum  Payments  shown  on 
prior  statement(s)  which   remains  unpaid,  plus  any  amount  that  exceeds  Your 
approved  Credit Limit. 

You   may,   by   separate   agreement,   authorize   Us   to  charge   Your   payment 
directly  to Your share or checking  account. 

FINANCE CHARGES.  In  the  case  of  any  transactions  under  Your  Account,   the 
balances   subject    to   the   periodic   Finance   Charge   are   the   average   daily 
transactions    balances    outstanding   during 
  the    month    (including    new 
transactions). To  get  the  average daily  balance,  We  take  the  beginning  balance 
each  day,  add  any  new  purchases,  balance  transfers,  cash  advances,  debit 
adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid 
Finance   Charges.  This  gives  Us  the  daily  balance.  Then,  We  add  up  all  the 
daily  balances  for  the  billing  cycle  and  divide  them  by  the  number  of  days  in 
the   billing   cycle.   The   Finance   Charge   for  a   billing   cycle   is   computed   by 

multiplying  the  average  daily  balance  subject   to  a  Finance  Charge  by  the 
Monthly  Periodic Rate. 

You  can  avoid   Finance  Charges  on  purchases   by  paying   the  full  amount   of  the 
entire  balance  owed  each  month  within  28  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   and  balance  transfers  are  always subject   to  a  Finance  Charge  from   the 
later  of  the  date  they  are  posted  to  Your   Account  or  from  the  first  day  of  the 
billing  cycle  in  which the transaction is  posted  to Your  Account. 

LATE  CHARGE.  If  Your  payment  is  more  than  10  days  late,  You  will be  charged 
the lesser  of:  (a) the amount  of  the minimum payment due;  or  (b)  $35.00. 

OTHER  FEES AND  CHARGES.  You  will be  charged   the  following  fees  associated 
with  the  use  of  Your  Card:  (a)  $20.00  for   each  replacement  Card  You  request; 
(b)  $5.00  for  each  pin  reissue  You  request;  and  (c)  the  lesser  of $35.00  for  any 
check   (or   other    negotiable   instrument   used   for   payment)  which   is   returned 
unpaid,  or  the required  minimum payment amount  for the returned payment. 

PERIODIC STATEMENTS.  On  a  regular  basis,  You  will   receive  a  statement 
showing    all   transactions   on   Your   Account    including    amounts    paid   and 
borrowed  since  Your  last  statement. We  will  mail  You  a statement  each  billing 
cycle  in  which  there  is  a  debit  or  credit  balance  or  when  a  Finance  Charge  is 
imposed.  We  need  not  send  You  a  statement  if  We  feel  Your  Account    is 
uncollectible  or  if We  have  started  collection  proceedings  against  You  because 
You    defaulted.  EACH  STATEMENT 
IS  DEEMED  TO  BE  A    CORRECT 
STATEMENT  OF  ACCOUNT  UNLESS  YOU  ESTABLISH  A  BILLING  ERROR 
PURSUANT TO THE FEDERAL TRUTH-IN-LENDING  ACT. 

OUR RESPONSIBILITIES  TO HONOR CONVENIENCE  CHECKS. We  are under  no 
obligation  to  honor  Your  Convenience  Checks  if: (1)  by  paying  a  Convenience 
Check,  You  would  exceed  Your  Credit  Limit;  (2)  Your  Cards  or  Convenience 
Checks   have   been   reported   lost   or   stolen;   (3)   Your   Account    has   been 
cancelled  or  has  expired.  If  a  postdated  Convenience  Check  is  paid  and,  as  a 
result,   any   other    Convenience   Check   is   returned   unpaid,   We   are   not 
responsible for any resulting loss or liability. 

DEFAULT.  You  will   be  in  default  if:  (a)  You  do  not   make  any  payment   or 
perform  any  obligation under  this  Agreement, or  any  other agreement  that  You 
may  have  with  Us;  or  (b)  You  should  die,  become  involved  in  any  insolvency, 
receivership   or  custodial  proceeding  brought   by  or  against  You;  or  (c)  You 
have  made  a  false  or  misleading  statement  in  Your  credit  application  and/or  in 
Your  representations  to  Us  while  You  owe  money  on  Your  Account;   or  (d)  A 
judgment   or   tax   lien   should   be   filed   against   You   or   any   attachment   or 
garnishment    should   be   issued   against   any   of    Your   property    or   rights, 
specifically  including  anyone  starting  an  action  or  proceeding  to  seize  any  of 
Your  funds  on  deposit  with  Us;  and/or  (e)   We  should,  in  good  faith,  believe 
Your  ability  to  repay  Your  indebtedness  hereunder  is  or  soon  will  be  impaired, 
time being of the very  essence. 

Upon  any  occurrence   of  default,  We  may,  to  the  extent  permitted  by  law, 
cancel   Your   rights   under   this  Agreement,   require   the  return   of  all  access 
devices  and  declare  the  entire  balance  of  Your  Account   immediately  due  and 
payable,  without prior  notice  or demand. 

COLLECTION COSTS.  In  the  event   collection  efforts  are  required  to  obtain 
payment  on  this  Account,   to the  extent  permitted by  law,  You  agree to pay  all 
court   costs,  private  process  server  fees,  investigation  fees  or  other   costs 
incurred   in  collection   and  actual   attorneys'  fees  incurred   in  the  course   of 
collecting  any  amounts   owed   under  this  Agreement   or  in  the  recovery   of 
any Collateral. 

ENFORCEMENT.  We   do   not    lose   Our   rights    under   this   or   any   related 
agreement  if  We  delay  enforcing  them.  We  can  accept  late  payments,  partial 
payments   or   any   other   payments,  even   if  they  are  marked   "paid   in   full" 
without  losing  any  of  Our  rights  under  this  Agreement.  If any  provision  of  this 
or  any  related  agreement  is  determined  to be unenforceable  or  invalid,  all other 
provisions  remain in full force and effect. 

NOTIFICATION  OF  ADDRESS CHANGE.  You  will   notify  Us  promptly  if   You 
move  or otherwise  have a change of  address. 

CHANGE IN  TERMS. We  may  change  the  terms  of  this  Agreement  by  mailing 
or  delivering  to You  written notice  of the changes  as prescribed  by  the Federal 
Truth-In-Lending  Act.  To  the  extent  permitted  by  law,  the  right  to  change  the 
terms  of  this  Agreement  includes,  but  is  not  limited to, the right  to change  the 
periodic  rate applicable to Your  unpaid  balance and/or  future advances. 

Copyright Oak Tree Business Systems,  Inc.,  2010-2016. All  Rights Reserved. 

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DEBT PROTECTION.  Debt  protection is  not  required  for any  extension of  credit 
under   this   Agreement.   However,   You   may   purchase   any   debt   protection 
available  through  Us  and  have  the  costs  added to Your  outstanding  balance.  If 
You   elect   to   do   so,   You   will    be   given   the   necessary   disclosures   and 
documents separately. 

Your Billing Rights:  Keep this Document for Future Use 

This  notice  tells  You  about  Your  rights  and  Our  responsibilities  under  the  Fair 
Credit  Billing Act. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
Disclosure  -  Federal  Truth-In-Lending   Act,"  which   is  delivered  together  with 
this   Agreement   or   at   a   later   date   becomes   an   integrated   part   of   this 
Agreement and Disclosure. 
CONSENT  TO   AGREEMENT.  You   acknowledge   receipt   of   a   copy   of   this   . 
Agreement.   By  signing   the   application;  or   by   using   Your   Account   or   any    . 
Account   access  device;  or  by  authorizing  another  to  use  Your  Account,   You    . 
agree to and accept its terms. 

If   You   think  there   is   an   error   on   Your   statement,  write  to  Us  at  1747 
S.   Newburgh    Road,   Westland,    MI   48186.   In   Your   letter,    give   us   the 
following information: 

Account  information: Your  name and Account  number. 
Dollar amount:  The dollar  amount  of  the suspected error. 
Description  of  problem:  If You  think  there  is  an  error  on  Your  bill,  describe 
what  You believe is wrong  and why  You believe it is a mistake. 

What To Do If  You Find  A Mistake On Your Statement 

UPDATING  AND   DISCLOSING  FINANCIAL  INFORMATION.  You   will   provide 
facts  to  update  information  contained  in  Your  original  Account   application  or 
other  financial  information  related  to  You,  at  Our  request.  You  also  agree that 
We  may,  from  time  to  time,  as  We  deem  necessary,  make  inquiries  pertaining 
to  Your  employment,   credit  standing  and  financial  responsibility  in  accordance 
with  applicable  laws  and  regulations.  You  further  agree  that  We  may  give 
information   about   the   status   and   payment   history   of   Your   Account    to 
consumer  credit  reporting  agencies,  a  prospective   employer  or  insurer,  or  a 
state  or  federal licensing  agency  having  any  apparent  legitimate  business  need 
for such  information. 

TERMINATION.  Either  You   or  We   may   cancel  Your   Account   at  any   time, 
whether  or  not  You  are  in  default.  You  will,   in  any  case,  remain  liable  to  pay 
any unpaid balances according  to the terms of Your  Account. 

OWNERSHIP.  Your  Card  remains  Our  property  and  may  be  cancelled  by  Us  at 
any  time without  notice.  You  agree to surrender  Your  Card and  to discontinue 
its use immediately upon  Our request. 

ISSUANCE  OF  A   PERSONAL IDENTIFICATION  NUMBER.  We   will   issue   a 
Personal  Identification  Number   (PIN)  for  use   with  participating   Automated 
Teller  Machines  (ATMs).  This  PIN is  confidential   and  should  not  be  disclosed 
to  anyone.   You  may  use  Your  PIN  to  access  Your  Account   and  all  sums 
advanced  will  be  added  to  Your  Account   balance.  In  the  event  a  use  of  Your 
PIN constitutes  an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your 
Electronic  Fund Transfer  Agreement may also affect Your  rights. 

EFFECT OF  AGREEMENT. Even  though  the  sales,  cash  advance,   credit  or 
other  slips  You  may  sign  or  receive  when  using  Your  Card  contain  terms,  this 
Agreement  is  the  contract  which   solely  applies  to  all  transactions  involving 
the  Card. 

UNAUTHORIZED USE.  You  may  be  liable  for  the  unauthorized   use  of   Your 
Card.  You  will   not  be  liable  for  the  unauthorized   use  that  occurs  after  You 
notify  Us  of  the  loss,  theft,  or  possible  unauthorized  use  by  calling   Us  at 
(734)  293-2021  within    Michigan  or  (888)  203-3381  outside  Michigan,  or  by 
writing  to  Us  at  1747   S.  Newburgh  Road, Westland,  MI  48186.  In  any  case, 
Your  liability  will  not exceed $50.00. 

REFUSAL  TO  HONOR CARDS OR CONVENIENCE  CHECKS. We  are  not  liable 
for  the  refusal  or  inability   of  merchants,  financial  institutions  and  others  to 
accept  the  Cards  or  Convenience  Checks,  or  electronic  terminals  to honor  the 
Cards  or  complete  a  Card  withdrawal,  or  for  their  retention  of  the  Cards  or 
Convenience  Checks. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  currencies,  the 
exchange   rate  between  the  transaction  currency  and  the  billing   currency  (U.S. 
dollars)   will  be:  (a)  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   (b)   the   government- 
mandated    rate   in   effect  for   the   applicable    central    processing   date.    In   each 
instance, plus  or  minus  any  adjustment determined by  the Credit Union. 

TRANSACTION  SLIPS.  Your  monthly   statement  will   identify  that  merchant, 
electronic   terminal  or  financial  institution  at  which   transactions  were   made, 
but   sales,   cash   advances,   credit   or   other   slips   cannot   be   returned   with 
the  statement. 

LOST  CARDS  OR  CONVENIENCE CHECKS.  To  report   lost  or  stolen  Credit 
Cards   or   Convenience   Checks,   You   will    immediately    call   Us   at   (734) 
293-2021  (Michigan   Calls),  or   (888)   203-3381  during   business  hours,   or 
(866)   333-4740  after  business  hours  or  write  to  Us  at  1747   S.  Newburgh 
Road, Westland,  MI  48186. 

CREDITS. If a merchant  who  honors  Your  Card gives  You  credit  for returns  or 
adjustments,  they  will   do  so  by  sending  Us  a  slip  which   will   be  posted  to 
Your  Account.   If  Your  credits  and  payments  exceed  what   You  owe  Us,  We 
will  hold  and  apply  this  credit  against  future  purchases  and  cash  advances,  or 
if  it  is  $1.00    or  more   refund  it  on  Your   written  request  or  automatically 
deposit it to Your  share account  after six  months. 

GOVERNING  LAW.  This  Agreement  is  controlled  and  governed  by  the  laws  of 
the  State  of  Michigan  except  to  the  extent  that  such  laws   are  inconsistent 
with  controlling federal law. 

You must contact Us: 
.   Within 60  days after the error appeared on Your  statement. 
.  At  least  3  business  days  before  an  automated  payment  is  scheduled,  if 

You want  to stop payment  on the amount  You think is wrong. 

You  must notify  Us  of  any  potential  errors  in  writing.  You  may  call  Us,  but  if 
You  do  We  are  not  required  to  investigate  any  potential  errors  and  You  may 
have to pay the amount  in question. 

What Will Happen After We  Receive Your Letter 

When We receive Your letter, We must do two  things: 

1)  Within 30  days  of receiving  Your  letter, We must  tell You  that We  received 
Your    letter. We will  also tell You if We have already corrected  the error. 
2)  Within 90  days  of receiving  Your  letter, We must  either correct  the error  or 

explain  to You why  We believe the bill is correct. 

While We investigate whether or not there has been an error: 
.  We   cannot   try   to   collect  the   amount   in   question,   or   report   You   as 
. 
. 
. 

delinquent  on that amount. 
The  charge   in   question   may   remain   on   Your   statement,  and  We   may 
continue  to charge You interest on that amount. 
While  You  do  not  have  to pay  the  amount  in  question, You  are responsible 
for the remainder of  Your  balance. 
We can apply  any unpaid  amount  against Your  Credit Limit. 

any interest or other fees related to that amount. 

After We  finish Our investigation,  one of two  things will happen: 
.   If  We  made  a  mistake:  You  will  not  have  to  pay  the  amount  in  question  or 
.   If  We  do  not  believe  there  was  a mistake: You  will  have  to pay  the amount  in 
question,   along   with  applicable    interest   and   fees.   We   will  send   You   a 
statement  of  the  amount   You   owe   and  the  date  payment  is  due.  We  may 
then  report  You   as  delinquent if  You   do   not   pay   the  amount   We   think 
You  owe. 

If  You  receive  Our  explanation  but  still  believe  Your  bill  is  wrong,   You  must 
write  to Us  within   10  days  telling Us that You  still refuse to pay.  If You  do  so, 
We  cannot  report  You  as  delinquent  without  also  reporting  that  You  are 
questioning  Your  bill.  We  must  tell  You  the  name  of  anyone  to  whom   we 
reported  You  as  delinquent,  and  We  must  let  those  organizations  know  when 
the  matter  has  been  settled  between  Us.  If  We  do  not  follow  all  of  the  rules 
above,  You  do  not  have  to  pay  the  first  $50.00  of  the  amount  You  question 
even if Your  bill is correct. 

Your Rights  If  You Are Dissatisfied  With Your Credit Card Purchases 

If  You  are  dissatisfied  with  the  goods  or  services  that  You  have  purchased 
with Your  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,  all of  the following must be true: 

1)  The  purchase  must  have  been  made  in  Your  home  state  or  within  100 
miles  of  Your  current  mailing  address,  and  the  purchase  price  must  have 
been  more  than  $50.00.  (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.) 

2)   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. 

3)  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  1747   S.  Newburgh   Road,  Westland, 
MI  48186. 

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. 

Copyright Oak Tree Business Systems,  Inc.,  2010-2016. All  Rights Reserved. 

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