While we investigate whether or not there has been an error, the following are true: �We cannot try to collect the amount in question, or reportyou as delinquent on that amount. �The charge in question may remain on your statement,and we may continue to charge you interest on thatamount. But, if we determine that we made a mistake,you will not have to pay the amount in question or anyinterest or other fees related to that amount. �While you do not have to pay the amount in question, youare responsible for the remainder of your balance. 
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 stateor within 100 miles of your current mailing address, andthe purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase wasbased on an advertisement we mailed to you, or if weown 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 notqualify. 
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 [or electronically] at: Equitable Federal Credit Union1889 Brittain Rd Akron, Ohio 44310info@eqfcu.org 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. EQUITABLE FEDERAL CREDIT UNION 
MASTERCARD CREDIT CARD AGREEMENT
In this Agreement the words �you� and �your� mean each and all of those who apply for the card or who signs this Agreement. �Card� means the MasterCard Credit Card and any duplicates and renewals we issue. Everyone who receives signs or uses a card issued under this Agreement must be a member of this Credit Union. Account means your MasterCard credit card line of credit account with us. �We�, �us� and �ours�, means this Credit Union. 
G16244INTEREST RATES AND INTEREST CHARGESAnnual Percentage RateFor purchasesCash advancesMasterCard Platinum � 
9.78%, 13.78%, 16.78%
Annual Percentage RateFor Balance Transfers 5.50%
How To Avoid  Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.Minimum Interest ChargeNoneFor Credit Card Tips From The Consumer Protection Bureau
To learn more about the 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/learnmoreFEESAnnual FeesNoneTRANSACTION FEESCash AdvanceForeign TransactionsIn-House PaymentBalance Transfer Fee$25.00 for each transaction1% of each transaction in U.S. dollars$3 for every payment made through the credit union4% for each balance transferred.PENALTY FEESLate PaymentReturned Check (NSF)Over Limit FeeCard Replacement FeeIf your payment is not made on or before your due date you will be charged up to $25.You will be charged up to $27 for any check (or any negotiable instrument used for payment) returned unpaidNone$10 How We Will Calculate Your BalanceWe use a method called �Average Daily Balance (including new purchases)�will remain liable to pay the balance then due under the existing terms. The right to reject a change in terms does not apply if we have not received a required minimum payment within 60 days after the due date for that payment. Our Rights to Amend Your Agreement
We may amend this Agreement at any time. We may amend it by adding, deleting, or changing provision of this Agreement. We may increase or decrease any or all of your APRs, including any promotional APRs. When we amend this Agreement we will comply with the applicable notice requirements of federal and state laws that in effect at that time. The reasons we may change the terms of this Agreement includes the following: your risk profile based on your payment patterns, transaction patterns, balance patterns, and utilization levels of this and other accounts, credit bureau information including the age, history and type of other accounts, and relationships between each and all of these measures of risk. We may also change terms for reasons not related to your individual credit history, such as overall economic and market trends,  product design and business needs. APR increases WILL impact existing balances at the time of the rate change. If an amendment gives you the opportunity to reject the change and if you reject the change in the manner provided in such amendment we may terminate your right to receive credit and may ask you to return all credit devices as a condition of your rejection. We may replace your card with another card at any time. 
YOUR BILLING RIGHTS
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify us In Case of Errors or Questions about Your Bill 
If you think there is an error on your statement, write to us at: 
         Equitable Federal Credit Union
1889 Brittain Rd 
Akron, Ohio 44310In 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 onyour bill, describe what you believe is wrong and why you believe it is a mistake. �You must contact us within 60 days after the errorappeared on your statement. �You must notify us of any potential errors in writing [orelectronically]. You may call us, but if you do we are notrequired to investigate any potential errors and you mayhave to pay the amount in question.  MasterCard CREDIT CARD AGREEMENT
1. The Annual Percentage Rate (APR) for Purchases is fixed based 
on your credit score.
2. The Annual Percentage Rate (APR) for Cash Advances is based 
on your credit score.
3. Late Fee : If the minimum required payment is not received 
by the payment due date, a late charge of up to $25 will be 
imposed
4. Average Daily Balance (including current transactions ): We 
figure the interest charge on your account by applying the 
periodic rate to the average daily balance of your account. To 
get the average daily balance, we take the beginning balance 
of your account each day, add any new [purchases/advances/
fees], and subtract [any unpaid interest or other finance charges 
and] any payment or credits. This gives us the daily balance. 
Then, we add up all the daily balances for the billing cycle and 
divide the total by the number of days in the billing cycle. This 
gives us the average daily balance. 
5. Responsibility:  If we issue you a card, you agree to repay all 
debts and the FINANCE CHARGE arising from the use of the 
card and the card account. For example, you are responsible 
for charges made by yourself, your spouse and minor children. 
You are also responsible for charges made by anyone else to 
whom you give the card, and this responsibility continues until 
the card is recovered. You cannot disclaim responsibility by 
notifying us, but we will close the account for new transactions 
if you so request and return all cards. Your obligation to pay the 
account balance continues even though an agreement, divorce 
decree or other court judgment to which we are not a party may 
direct you or one of the other personas responsible to pay the 
account. Any person using the card is jointly responsible with 
you for charges he or she makes, but if that person signs the 
card he or she becomes a party to this agreement is also jointly 
responsible for all charges on the account including yours. 
6. Lost Card Notification and Liability for Unauthorized Use : If 
you notice the loss or theft of your credit card or a possible 
unauthorized use of your card, your should write  or call  us 
immediately at: 
 Equitable Federal Credit Union
 1889 Brittain Rd 
 Akron, Ohio 44310
 800-321-8237 or 800-442-4757
You will not be liable for any unauthorized use that occurs after 
you notify us. You may, however, be liable for unauthorized use 
that occurs before your notice to us. In any case, your liability 
for transactions on a lost or stolen MasterCard card is $50.00 
unless the Credit Union determines that the Cardholder was 
grossly negligent or fraudulent in the handling of the account 
or card.
7. Credit Line:  If we approve your application, we will establish 
a self-replenishing line of credit for you and notify you of its 
amount when we issue the card. Your line of credit for cash 
advances will be one-half of the overall credit limit established 
for you. This line of credit for cash advances is part of, not in addition to your established line of credit. You agree not to let 
the account balance exceed this approved credit line. Each 
payment you make on the account will restore your Credit Line 
by the amount of this payment which is applied to the principal. 
You may request an increase in your Credit line only by written 
application to us, which must be approved by our loan officer. 
By giving you written notice, we may reduce your credit line 
from time to time, or with good cause, revoke your card and 
terminate this Agreement. Good cause includes your failure 
to comply with this Agreement, or our adverse reevaluation of 
your creditworthiness. You may also terminate this Agreement 
at any time but termination by either of us does not affect your 
obligation to pay the account balance. The cards remain our 
property and you must recover and surrender to us all cards 
upon request. 
8. Copy Received . You acknowledge a receipt of a copy of this 
Agreement. 
9. Credit Information : You authorize us to investigate your credit 
standing when opening, renewing or reviewing your account 
and you authorize us to disclose information regarding your 
account to credit bureaus and other creditors who inquire of us 
about your credit standing, to the extent authorized By-Law. 
10. Monthly Payment : We will mail you a statement, (unless 
otherwise marked for do-not mail or e-statements) every month 
showing your Previous Balance of purchases and cash advances, 
the current transactions on your account, the remaining credit 
available under your Credit Line, the New Balance of purchases 
and cash advances, the Total New balance, the Finance Charges 
due to date, and other billed fees and the Minimum Payment 
required. 
Every month you must pay at least the Minimum Payment 
on or before the payment due date. You may; of course, pay 
more frequently, pay more than the minimum payment, or pay 
the total new balance in full - and you will reduce the FINACE 
CHARGES by doing so. The minimum payment will be (a) 2% 
of your Total New MasterCard Balance, or $10 whichever is 
greater, or (b) your Total New Balance, if it is less than $10 
plus (c) any portion of the Minimum Payment(s) shown on prior 
statement(s) which remains unpaid. 
We will apply any payments we receive from you in excess 
of the Minimum Payment due to the balance with the highest 
annual percentage rate and any remaining portion to the other 
balances in descending order from the highest APR based on 
the applicable APR in accordance with the law. 
11. Default:  You will be in default if you fail to make any Minimum 
Payment within 25 days after your monthly statement closing 
date. You will also be in default if your ability to repay us is 
materially reduced by a change in your employment, an 
increase in your obligations, bankruptcy or insolvency 
proceedings involving you, your death or your failure to abide by 
this Agreement, or if the value of our security interest materially 
declines. We have the right to demand immediate payment of 
your full account balance if you default, subject to our giving you 
any notice required by law. To the extent permitted by law, you 
will also be required to pay our collection expenses, including court costs and reasonable attorneys� fees. 
12. Right of Offset:   If you are in default, the Credit Union may at 
any time without demand or notice of any kind, appropriate and 
apply toward the payment of the unpaid balance owing, any 
unpaid shares, dividends, or other funds that would not have 
adverse tax consequences if pledged as security.  You appoint 
the Credit Union as your Attorney-in-act to perform any act(s) 
which it feels are necessary to protect its security interest. 
13. Using the Card . To make a purchase or cash advance, present 
the card to a participating MasterCard plan merchant, to us or 
to another financial institution, and sign the sales slip or cash 
advance draft which will be imprinted with your card. You may 
also use your Personal Identification Number (PIN) in conjunction 
with the card in an Automated Teller Machine or other type of 
electronic terminal. You will retain your copy of sales drafts, 
cash advance or credit slips to verify your transactions with the 
monthly statement. We reserve the right to make a reasonable 
charge for photocopies of slips you may request. A card may 
not be used for illegal transactions such as Online Internet 
Gambling. 
14.  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 hold and apply this credit balance against future 
purchases and cash advances, or if it is $1 or more, refund it on 
your written request or automatically after 6 months. 
15. Foreign Transactions . Purchases and cash advances made in 
foreign countries and foreign currencies will be billed to you 
in U.S. dollars. The conversion rate to dollars will be at (1) the 
wholesale market rate or (2) the government mandated rate, 
whichever is applicable, in effect one day prior to the processing 
date, increased by one percent. 
16. 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. If you default, we 
will have the right to recover any of these goods which have 
not been paid for through our application of your payment in a 
manner described in paragraph 10. 
17. Effect of Agreement . This Agreement is the contract which 
applies to all transactions on your account even though the 
sales, cash advance, credit or other slips you sign or receive 
may contain different terms. We may amend this Agreement 
from time to time by sending you a 45 day advance written 
notice required by law. Your use of the card thereafter will 
indicate your agreement to the amendments. To the extent 
the law permits, and we indicate in our notice, amendments 
will apply to your existing account balance as well as to future 
transactions. You have the right to reject a change in terms prior 
to the effective date thereof by calling us toll free at 1-800-
321-8237 or by mailing to us at: 1889 Brittain Road Akron, 
Ohio 44310. In such case, your account will be terminated or 
suspended and no further credit will be available to you. You