Copyright  Oak Tree Business  Systems,  Inc., 2001 -2021.  All Rights  Reserved.  Page  1 of 5 OTBS  016 WRIT  (4/21)  
CREDIT  LINE  ACCOUNT  AGREEMENT  AND  DISCLOSURE  
THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH -IN- 
LENDING DISCLOSURE STATEMENTS, FIRST TIME USER VISA, LOW RATE VISA, SHARE SECURED VISA, 
PLATINUM  REWARDS  VISA,  WSUAA  AFFINITY  VISA  AND  WSUAA  AFFINITY  REWARDS  VISA,  AGREE MENTS, 
AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR FIRST TIME USER VISA, PLATINUM 
REWARDS VISA, WSUAA AFFINITY VISA, WSUAA AFFINITY REWARDS VISA, LOW RATE VISA AND SHARE 
SECURED  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.  
Interest  Rate  and Interest  Charges  
Annual  Percentage  Rate 
(APR) For Purchases  % 
% First Time User VISA:  17.99 
Share Secured VISA:
 12.50 
Low Rate VISA: 7.75-15.75 % 
Your  APR will vary with the market  based  on the Prime  Rate.  
Platinum Rewards VISA: 10.75-18.00 %
Your  APR will vary with the market  based  on the Prime  Rate.  
WSUAA Affinity VISA: 7.75-15.75 %
Your  APR will vary with the market  based  on the Prime  Rate.  
WSUAA Affinity Rewards VISA: 10.75-18.00 %
Your  APR will vary with the market  based  on the Prime  Rate.  
Annual Percentage Rate 
(APR)  For Balance  Transfers  % 
% First Time U ser VISA: _ 17.99 
Share Secured VISA: 12.50 
Low Rate VISA: 7.75-15.75  %
Your  APR will vary with the market  based  on the Prime  Rate.  
Platinum Rewards VISA: 10.75-18.00 %
Your APR will vary with the market based on the Prime Rate. 
WSUAA Affinity VISA: 7.75-15.75  %
Your  APR will vary with the market  based  on the Prime Rate.  
WSUAA Affinity Rewards VISA: 10.75-18.00 %
Your  APR will vary with the market  based  on the Prime  Rate.  
Annual Percentage Rate 
(APR)  For Cash  Advances  % 
% First Time U ser VISA: _ 17.99 
Share Secured VISA: 12.50 
Low Rate VISA: 7.75-15.75  %
Your  APR will vary with the market  based  on the Prime  Rate.  
Platinum Rewards VISA: 10.75-18.00 %Your  APR will vary with the market  based  on the Prime  Rate.  
WSUAA Affinity VISA:  7.75-15.75 %
Your  APR will vary with the market  based  on the Prime  Rate.  
WSUAA Affinity Rewards VISA: 10.75-18.00  %
Your APR will vary with the market based on the Prime 
Rate. ReadyLine:  max 17.90 % 
Stretch  Pay � Line of Credit:  25.00  %
SEE PAGE  2 for more  important  information  about  Your  Account   Copyright  Oak Tree Business  Systems,  Inc., 2001 -2021.  All Rights  Reserved.  Page  2 of 5 OTBS  016 WRIT  (4/21)  Interest  Rate  and Interest  Charges  (continued)  
Paying  Interest  For VISA  We will not charge  You interest  on purchases  if You pay Your  entire  balance  owed 
each month within 27 days of Your statement closing date.  
For all Feature Categories, We will begin charging interest on cash advances and balance 
transfers on the transaction date.  
For Credit  Card  Tips from 
the Federal  Reserve  Board  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  
Annual  Fee For StretchPay � Line of Credit, $25.00 , $35.00 or $70.00 depending on Your approved 
credit limit.  
Transaction  Fees  
�Foreign  Transaction For VISA,  1.00%  of each  foreign  currency  transaction  in U.S. Dollars.  
For VISA,  1.00%  of each  U.S. Dollar  transaction  that occurs  in a foreign  country.  
Penalty  Fees  
�Returned  Payment
�Late PaymentFor VISA  up to $25.00  
For VISA  up to $20.00  
Except  for VISA,  5.00%  of the payment  due 
How We Will Calculate Your Balance: For all Feature Categories (except VISA),  We use a method called "daily balance." 
For VISA,  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.  
SEE PAGE  1 for more  important  information  about  Your  Account  
In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean WRIGHT -PATT CREDIT UNION, INC. The words "You" and "Your" mean each person 
accepting this Agreem ent. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any First Time  User VISA, Low Rate 
VISA, Share Secured VISA, Platinum Rewards VISA, WSUAA Affinity VISA or WSUAA Affinity Rewards VISA, Credit Ca rd issued to You by Us and any duplicates or 
renewals. "Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time.  
You, as the Borrower,  under  a Credit  Line Account  ("Account"),  understand  that the following  Federal  Disclosure  Statement  and the terms  and conditions  found  herein  constitute  
Our Agreement  with You. Your Account  may be accessible  through  a variety  of means  which  could  include  advance  request  forms,  vouchers,  checks,  charge  slips,  Convenience  
Checks,  Credit  Cards  and the like. Regardless  of the access  means,  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.  
FEATURE  CATEGORIES.  Your  Account  has Feature  Categories  which  may include  ReadyLine,  StretchPay � Line of Credit,  First Time  User  VISA,  Low Rate  VISA,  Share 
Secured VISA, Platinum Rewards VISA, WSUAA Affinity VISA and WSUAA Affinity Rewards VISA.  
ADVANCES. Whenever You request a transaction, We may require You to prove 
Your  identity.  If You  request an  advance  by telephone,  We will deposit  the amount 
requested  in Your  share  account  or Your  share  draft account  and You authorize  Us 
to do this, or We may draw  a draft or check  made  payable  to You and mail it to You. 
When the amount advanced appears on a subsequent statement that wil l be 
conclusive  evidence  of Your  telephone  request.  You understand  that whether  or not 
any specific  secured  advance  request  is approved  may be determined  by how much 
equity You have or will have in the shares and/or collateral offered as security.  
For advances under Your StretchPay � Line of Credit Feature Category, all 
advances must be equal to Your approved Credit Limit.  
SECURITY.  As permitted  by law, to secure  all transactions  under  this Agreement  in 
either joint or individual Accounts, We have the right to impress and enforce a 
statutory lien against Your shares on deposit with Us (other than those deposits 
established under a governmental approved tax deferra l plan such as an IRA or 
Keogh account), and any dividends due or to become due to You from Us to the 
extent  that You  owe on any unpaid  balance  on Your  Account and  We may enforce 
Our right to do so without  further  notice  to You. Additionally,  You agree  that We may 
set-off any mutual indebtedness.  
You acknowledge that You own any shares and/or collateral pledged as security 
and that there  are no other  liens against  them  other  than Ours.  You agree  to perform 
all acts which are necessary to make Our security interest in the shares and/or 
collateral being pledged enforceable.  All certificates which are pledged as Collateral must be renewed until Your 
outstanding balance is paid in full. Failure to renew any certificates securing any 
advance will cause  Your entire outstanding Account balance to become 
immediately due and payable.  
OTHER  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.  
ACCOUNT RESTRICTIONS. In order to receive and maintain a Share Secured 
VISA  Feature  Category,  You agree  to give Us a specific  pledge  of shares  which  will 
equal Your Credit Limit. In the event that You default on Your Account, We may 
apply these shares toward the repayment of an y amount owed on Your Share 
Secured  VISA  Category.  You may cancel  Your  Share  Secured  VISA  Account  at any 
time by paying  any amounts  owed  on Your  Secured  VISA  Feature  Category.  To be 
certain that Your entire balance and all advances on Your Account 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.  
In order  to receive  and maintain  a StretchPay � Line of Credit  Feature  Category,  You 
agree to give Us a specific pledge of shares at the time of Your initial advance on 
Your  StretchPay � Line of Credit,  which  will equal  10.00%  of Your  Credit  Limit.  The 
funds required for this pledge will be deducted from the amount advanced and 
deposite d into Your  share  account.  In the event  that You default  on Your   Copyright  Oak Tree Business  Systems,  Inc., 2001 -2021.  All Rights  Reserved.  Page  3 of 5 OTBS  016 WRIT  (4/21)  StretchPay � Line of Credit Feature Category, We may apply these shares toward 
the repayment of any amount owed on such Feature Category. The shares 
originally ple dged will be released upon Our termination and closure of such 
Feature Category although they  may not be available to You for 30 days after any 
outstanding balance is paid in full.  
LINE  OF CREDIT  LIMITS.  You will be notified  of each  specific  Credit  Limit  for each 
Feature  Category  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 penalt y. 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. We may apply each payment to  
whichever Feature Category We wish. For all Feature Categories (except VISA), 
payments will be applied first to any Late Charges owing, then to the Finance 
Charge due, then to the outstanding principal balance. Except as required by law, 
the order in which  We may apply VISA payments is at Our discretion. Any unpaid 
portion of the Finan ce 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 u npaid balance will decrease Your 
periodic Finance Charges.  
ReadyLine Minimum Payments will be an amount equal to 3.00% of Your new 
unpaid ReadyLine  balance  at the end of each  billing cycle, subject to  the lesser of  
$20.00  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.  
StretchPay � Line of Credit  Minimum  Payments will be disclosed  to You at the  time 
of each  advance on a  separate page titled "Credit Line  Account Advance Request 
and Security Agreement."  
VISA Minimum Payments will be an amount equal to 2.00% of Your new unpaid 
balance at the end of each billing cycle, subject to the lesser of $20.00 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 share draft account.  
LATE CHARGE (EXCEPT FOR VISA). If Your payment is 10 or more days late, 
You will b e charged 5.00% of the payment due.  
OTHER FEES AND CHARGES (EXCEPT FOR  VISA). For all Feature Categories 
(except VISA), You will be charged a $75.00 FINANCE CHARGE each time You 
request and We agree to lower the periodic rate and corresponding Annual 
Percentage Rate applicable to such Feature Category.  
STRETCHPAY � LINE  OF CREDIT  ANNUAL  MEMBERSHIP  FEE.  StretchPay � Line 
of Credit  Accountholders  with approved  Credit  Limits  of $150.00  will be charged a 
$25.00  Annual  Membership  Fee for continued  participation  in the StretchPay � Line of 
Credit program. StretchPay � Line of Credit Accountholders with approved Credit 
Limits of $250.00 will be charged a $35.00 Annual Membership Fee for continued 
participation  in the StretchPay � Line of Credit  program. StretchPay � Line of Credit 
Accountholders with approved Credit Limits of $500.00 will be charged a $70.00 
Annual  Membership Fee  for continued participation in  the StretchPay � Line of Credit  
program.  This fee is required  each  year to continue  credi t availability  whether  or not 
You use Your Account throughout the year.  
FINANCE CHARGES (EXCEPT FOR VISA). A Finance Charge will be assessed 
on any unpaid principal balance for each Feature Category of Your Account for  
the period such  balance  is outstanding.  Balances  change  each  time advances 
are made,  payments  are made  or credits  given  under  any Feature  Category.  The Finance Charge begins to accrue on the date of each advance and there is no 
grace period.  
HOW  TO DETERMINE  THE FINANCE  CHARGE  (EXCEPT  FOR  VISA).  For all 
Feature Categories (except for VISA), the Finance Charge is determined by 
multiplying Y our unpaid balance at the close of each day in the billing cycle being 
accounted for by the applicable Daily Periodic Rate. The unpaid balance is the 
balance each day after payments, credits, and unpaid Finance Charges to that 
balance  have  been  subtracted  and any new advances,  insurance  premiums  or other 
charges have been added to Your unpaid balance. These daily Finance Charges 
are then added together and the sum is the amount of the Finance Charge owed 
for the Feature Category being accounted for. The tot al Finance Charge You owe 
on Your  Account  for each  billing  cycle  is the sum of all the Finance  Charges  due for 
all applicable Feature Categories.  
VISA FINANCE CHARGES. In the case of any transactions under Your VISA 
Feature  Categories,  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  during  the first billing  cycle,  We take the beginning 
balance  of Your  Account  each  day, add any new purchases,  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 thirty  days  (regardless  of the actual 
number of days during the first billing cycle).  
To get  the average daily  balance  during  the second  and subsequent billing cycles, 
We take the beginning  balance  of Your  Account  each  day, add any new purchases, 
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 actual 
number o f 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 27 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 balanc e transfers are always subject to a Finance Charge from the 
date they are posted to Your Account.  
VISA VARIABLE RATE. For L ow Rate VISA, Platinum Rewards VISA, WSUAA 
Affinity VISA and WSUAA Affinity Rewards VISA feature categories, all advances 
are subject to a Variable Rate which is based on the highest Prime Rate as 
published in the Money Rates section of The Wall Street Jou rnal in effect on the 
last day of each  calendar  quarter  of each  year ("Index")  plus Our Margin.  The Index 
plus the Margin  equals  the Interest Rate. Changes in  the Index  will cause  changes 
in the Interest Rate on the first day of the billing cycle in the mo nth immediately 
following  any such  change  in the index.  Increases  or decreases  in the Interest  Rate 
will cause like increases or decreases in the Finance Charge and will affect the 
number of Your regularly scheduled payments. Other than the maximum and 
minimum Interest Rates that can apply at any time, Your Interest Rate will never 
increase  or decrease  by more  than 1.00 percentage  point  on any change  date.  Your 
Interest Rate will never be greater than 25.00%, and will apply to Your remaining 
principal  balance.  
For the applicable Index, Margin, Daily or Monthly Periodic Rates and 
corresponding Annual Percentage Rates for all Feature Categories, refer to 
the separate  page  titled  Additional  Disclosure  - Federal  Truth  In-Lending  Act" 
and/or "Credit Line Account Advance Request And Security Agreement" 
which We have included with and made a part of this Agreement.  
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  month  in which  there 
is a debit or credit balance or when a Finance Charge is imposed. We need no t 
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.   Copyright  Oak Tree Business  Systems,  Inc., 2001 -2021.  All Rights  Reserved.  Page  4 of 5 OTBS  016 WRIT  (4/21)  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 every  Feature  Category  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 reasonable 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.  
CREDIT INSURANCE. Credit insurance is not require d for any extension of credit 
under  this Agreement.  However,  You may purchase  any credit  insurance  available 
through  Us and have  the premiums  added  to Your  outstanding  balance.  If You elect 
to do so, You will be given the necessary disclosures and documents separately.  
INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional 
Disclosure - Federal Truth -In-Lending Act," "Additional Disclosure" and/or "Credit 
Line Account Adv ance Request and Security Agreement" 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.  
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, cre dit 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  or any particular  Feature  
Category  of 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.  
GOVERNING  LAW. This Agreement  is controlled  and governed  by the laws of  the 
State of Ohio except to the extent that such laws are inconsistent with controlling 
federal  law. 
SPECIFIC  TERMS  APPLICABLE  TO YOUR  
FIRST TIME USER VISA, LOW RATE VISA, SHARE SECURED 
VISA,  PLATINUM  REWARDS  VISA,  WSUAA  AFFINITY  VISA  AND 
WSUAA AFFINITY R EWARDS VISA CREDIT CARDS  
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. 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 the telephone number 
shown  in this Agreement  or by writing  to Us at the address  shown  in this Agreement. 
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 elect ronic  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 countries and 
foreign currencies, the exchange rate between the transa ction 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. For transactions that are initiated in a foreign currency, You will be charged 
1.00% of the final settlement amount. For transactions occurring in foreign 
countries and initiated in U.S. Dollars, You will be charged 1.00% of the final 
settlement amount.  
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.  
LATE  CHARGE.  If Your  payment  is five or more  days  late, You will be charged  the 
lesser of: (a) the amount of the minimum payment due; or (b) $20.00.  
OTHER FEES AND CHARGES. You will be charged the lesser of $25.00 for any 
check (or other negotiable instrument used  for payment) which is returned unpaid, 
or the required minimum payment amount for the returned payment.  
LOST  CARDS  OR CONVENIENCE  CHECKS.  To report  lost or stolen  Credit  Cards 
or Convenience  Checks,  You will immediately  call Us at or write  to Us at the address 
shown in this Agreement.  
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 auto matically deposit it to Your share 
account after six months.  
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.  
What  To Do If You Find  A Mistake  On Your  Statement  
If You think there is an error on Your statement, write to Us at Wright -Patt Credit 
Union,  P.O. Box 340134,  Beavercreek,  OH 45434 -0134.  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.  
You must  contact  Us: 
. Within  60 days  after the error  appeared  on Your  statement.  
. At least  three  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. Copyright  Oak Tree Business  Systems,  Inc., 2001 -2021.  All Rights  Reserved.  Page  5 of 5 OTBS  016 WRIT  (4/21)  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.
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 ques tion or any
interest or other fees related to that amount.
�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 expla nation  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 Our address shown in this Agreement.  
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.