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                                                        VISA� CARDHOLDER AGREEMENT
                           UPDATED 4/1/20
                           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
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                           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
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                           on the Account.   We may issue additional Cards to other persons you authorize to use your Account if
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                           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 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.
                            
                           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
                           �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 ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES ) ?  CLOSE
                           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
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                           the principal portion of your Previous Balances, reduced by payments you make and credits we apply,
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                           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 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 ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES ) ?  CLOSE
                           stub of your periodic statement and return it with your monthly payment so we can change our records.
                            
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                           13. FINANCIAL AND OTHER INFORMATION.  You agree to promptly provide us, from time to time upon
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                           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 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 ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES ) ?  CLOSE
                           Cash Advances.
                            
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                           19.  COLLECTION COSTS.  You promise to pay all collection costs, including attorneys� fees in the
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                           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 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.
                            
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                           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.
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                           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 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.   
                            
                            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).  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 ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES ) ?  CLOSE
                           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.
                            
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                           29.  CASH REWARDS REDEMPTION.  Applicable only if you have the ECU Cash Rewards Visa.  You may
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                           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. 
                            
                           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 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 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�
                                                                                                           PLA
                                                  FIXED
                                                                    Based on Prime Rate plus a margin based on
                                                                                                          PREF
                                                                    your creditworthiness.  You will be informed of
                                       Eastman Credit Union will set your �xed APR
                                                                      your speci�c APR before you become    F
                                        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.
                                                                                 
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                                              Minimum �xed rate              APR may vary.
                              Annual
                                                  10.90%                      Currently
                             Percentage
                                                                                                          Low �
                               Rate
                                             to a Maximum �xed rate           7.75% to
                              (APR)�                                                                        9
                                                  18.00%                       18.00%
                               for
                                            Based on creditworthiness    Based on creditworthiness
                             Purchases
                                              Minimum �xed rate              APR may vary.
                                 
                                                  10.90%                      Currently
                               APR�
                                                                                                          Low �
                                             to a Maximum �xed rate           7.75% to
                               for
                                                                                                            9
                                                  18.00%                       18.00%
                               Balance
                             Transfers
                                            Based on creditworthiness    Based on creditworthiness
                                              Minimum �xed rate              APR may vary.
                               APR�               10.90%                      Currently
                                                                                                          Low �
                               for           to a Maximum �xed rate           7.75% to
                                                                                                            9
                               Cash               18.00%                       18.00%
                             Advances       Based on creditworthiness    Based on creditworthiness
                              Penalty
                                                                                 
                              APR and
                              When It
                                                   NA                           NA
                              Applies
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                                        Your due date is at least 25 days after the Your due date is at least 25 days after the Your due date is at 
                                       close of each billing cycle.  We will not charge close of each billing cycle.  We will not charge close of each billing c
                                       you any interest on purchases if you pay your you any interest on purchases if you pay your you any interest on p
                                 
                                       entire balance by the due date each month.  entire balance by the due date each month.  entire balance by the
                              PAYING     We will begin charging interest on cash We will begin charging interest on cash We will begin cha
                             INTEREST    advances and balance transfers on the advances and balance transfers on the advances and bal
                                               transaction date.            transaction date.            transac
                             Minimum                                             
                              Interest
                              Charge               NA                           NA
                                       To learn more about factors to consider when To learn more about factors to consider when To learn more about f
                             For Credit applying for or using a credit card, visit the applying for or using a credit card, visit the applying for or usin
                             Card Tips website of the Consumer Financial Protection website of the Consumer Financial Protection website of the Consu
                              from the           Bureau at                    Bureau at                    Bur
                             Consumer
                                           https://www.consumer�nance.  https://www.consumer�nance.  https://www.c
                             Financial
                                       (https://www.consumer�nance.gov/learnmore/) (https://www.consumer�nance.gov/learnmore/) (https://www.consume
                             Protection
                              Bureau            gov/learnmore                gov/learnmore                gov/le
                                       (https://www.consumer�nance.gov/learnmore/) (https://www.consumer�nance.gov/learnmore/) (https://www.consume
                            
                             Fees                                                                                                                                                                     
                                 
                             Annual Fee                                        
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                                           NONE            NONE             NONE
                                 
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                             Transaction
                                                                               
                               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 April 1, 2020, and may change after that.  To �nd out what may have ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES ) ?  CLOSE
                           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.
                            ?  CONTACT (HTTPS : / /WWW.ECU.ORG /CONTACT ) ?  ECU ONLINE (HTTPS : / /WWW.ECU.ORG /ECU -ONLINE ) MENU ? /
                           How We Will Calculate Your Balance:  We use a method called �average daily balance (including new
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                           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.
                            
                             Interest Rates and Interest Charges          
                                              CLASSIC SECURE              ECU CASH REWARDS�
                                                  FIXED                        FIXED
                                       Eastman Credit Union will set your �xed APR Eastman Credit Union will set your �xed APR
                                       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
                            ?  SMART SEARCH ?  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES ) 18.00% 17.90% ?  CLOSE
                               Balance
                             Transfers
                                            Based on creditworthiness    Based on creditworthiness
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                                              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
                                       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. 
                              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
                                                                                 
                             For Credit To learn more about factors to consider when To learn more about factors to consider when
                             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 Protection
                             Consumer            Bureau at                    Bureau at
                             Financial
                            ?  SMART SEARCH ?
                             Protection https://www.consumer�nance.gov/learnmore  LOCATIONS (HTTPS : / /WWW.ECU.ORG /BRANCHES ) https://www.consumer�nance.gov/learnmore ?  CLOSE
                              Bureau   (https://www.consumer�nance.gov/learnmore/) (https://www.consumer�nance.gov/learnmore/)
            (/)
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                             Fees                                                                                                                                                                                                           
                                                      
                              
                             Annual Fee                                              
                                                      NONE                         NONE
                              
                             Transaction Fees
                                                                                     
                              
                                                                                     
                             *Balance Transfer
                                                      NONE                         NONE
                              
                                                                                     
                             *Cash Advance
                                                      NONE                         NONE
                              
                            
                             Visa�
                             International                               
                             Service
                             Assessment         NONE                   NONE
                             (ISA) Fee
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                             Penalty Fees
                                                                         
                             *Late Payment
                                               Up to $25              Up to $25
                              
                                                                         
                             *Over-the-
                             Credit Limit       NONE                   NONE
                                                                         
                             *Returned          NONE                   NONE
                             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 April 1, 2020, 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.
                            
                                   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.
                            
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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 us on a
                           separate sheet at:
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                                                  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.
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                           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 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.
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                           If you fail to pay the amount that we think you owe, we may report you as delinquent.  However, if our
                   COVID-19 Information Learn More                                                 ?
                           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.
                           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.
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