OMNI Community Credit Union 
P.O. Box 1537 
Battle Creek, MI 49016 
(269) 441-1400 ▲ (866) OMNI-WOW

CREDIT LINE ACCOUNT AGREEMENT  
AND FEDERAL DISCLOSURE STATEMENT 

THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-
IN-LENDING DISCLOSURE STATEMENTS, PLATINUM CREDIT CARD AND PLATINUM REWARDS CREDIT 
CARD AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR PLATINUM 
CREDIT CARD AND/OR PLATINUM REWARDS CREDIT CARD, 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 

Platinum Credit Card:  _______% 

8.99 - 17.99_______

Platinum Rewards Credit Card:  _______%

9.99 - 15.99_______

Annual Percentage Rate (APR) 
For Balance Transfers 

Platinum Credit Card:  _______% 

8.99 - 17.99

Platinum Rewards Credit Card:  _______%

9.99 - 15.99

Annual Percentage Rate (APR) 
For Cash Advances 

Platinum Credit Card:  _______% 

8.99 - 17.99

Penalty APR And When it 
Applies 

Paying Interest 

Platinum Rewards Credit Card:  _______%

9.99 - 15.99

Cash Reserve Line of Credit:  _______% 

18.00% 

      This APR may be applied to Your credit card accessible Feature Category if: 

1) You make a late payment.

How Long Will The Penalty APR Apply? If Your APRs are increased for this reason, the 
Penalty APR may be applied indefinitely unless 6 consecutive payments are received on 
or before the due date during the six-month period following such increase. 

For credit card accessible Feature Categories, We will not charge You interest on purchases 
if  You pay  Your entire balance owed  each month  within  25  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 Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a Credit Card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.

Fees 

Transaction Fees 



Foreign Transaction

Penalty Fees 

 Returned Check Charge
 Over-the-Credit Limit


Late Payment

For Credit Cards, 1.00% of each foreign currency transaction in U.S. dollars. 
For Credit Cards, 1.00% of each U.S. Dollar transaction that occurs in a foreign country. 

For Credit Cards, up to $20.00 
For Credit Cards, up to $25.00 
For Credit Cards, up to $25.00 
For Cash Reserve Line of Credit, the greater of 5.00% of the payment due or $15.00 

How We Will Calculate Your Balance: For Cash Reserve Line of Credit, We use a method called "daily balance.” For Platinum 
and Platinum Rewards Credit Cards, 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.  

In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean OMNI COMMUNITY CREDIT UNION. The words "You" and "Your" mean each person accepting 
this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card," "Credit Card," and “Credit Cards” mean any Platinum Credit Card or Platinum 
Rewards Credit Card 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. 

Copyright Oak Tree Business Systems, Inc., 2006-2018. All Rights Reserved. 

  Page 1 of 4  

OTBS 016 Web OMNI (3/18) 
Rev. (3/18) 

 
 
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. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic requests, advance 
request forms, vouchers, checks, charge slips, Convenience Checks, Check Cards, ATM Cards, Credit Cards, wire transfers, direct transfers and/or wire transfers to specific 
payees identified by You, direct transfers to Your Share/Share Draft or other Credit Union account and the like. Regardless of the means by which any advance is made, You 
promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your 
Account, including Finance Charges and other fees or charges described herein. 

FEATURE  CATEGORIES.  Your  Account  has  Feature  Categories  which  may  include  Cash  Reserve  Line  of  Credit  (including  Overdraft  Protection),  Platinum  Credit  Card  
and Platinum Rewards Credit Card. 

         Account 
Feature Categories 

Daily 
Periodic 
Rate 

Monthly 
Periodic 
Rate 

Cash Reserve Line of Credit 

_________ 

ANNUAL 
PERCENTAGE 
RATE 

_________ 

Platinum Credit Card 

Platinum Rewards Credit Card 

ADVANCES. Whenever You request a transaction, We may require You to prove Your 
identity.  Advances  made  on  Your  Account  will  be  processed  according  to  the 
instructions You give Us (such as by wire transfer, direct transfer to Your Credit Union 
account or by other such means) 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 will be conclusive evidence of Your advance 
request unless You notify Us that You disagree with any such item appearing on Your 
periodic statement according to the provision of this Agreement "Your Billing Rights: 
Keep this Document for Future Use."  

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  deferral  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. 

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. 

LIEN ON SHARES. If You have been issued an ATM or debit card, You grant 
and  consent  to  a  lien  on  Your  shares  with  Us  (except  for  IRA  and  Keogh 
accounts) and any dividends due or to become due to You from Us to the 
extent You owe on any unpaid Cash Reserve Line of Credit balance created 
through the use of Your ATM or debit card. 

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  CONTRACTUAL  PAYMENTS  (PAYMENT  SCHEDULE). 
Though  You  need  only  pay  the  Minimum  Monthly  Contractual  Payments,  You 
understand  that  You  have  the  right  to  repay  at  any  time  without  penalty.  You  also 
understand that You will only be charged periodic Finance Charges to the date You 
repay Your entire balance. You may make larger payments without penalty. Any partial 
payment or prepayment will not delay Your next scheduled payment. All payments to 
Us must  be  in  lawful  money  of  the United  States.  For  Cash  Reserve  Line  of  Credit, 
payments will be applied first to any Late Charges owing, then to the Finance Charge 
due, then to the outstanding principal balance.  

As  permitted  by  law,  Platinum  Credit  Card  and  Platinum  Rewards  Credit  Card 
payments will be applied in an order of Our choosing and any amounts paid in excess 
Copyright Oak Tree Business Systems, Inc., 2006-2018. All Rights Reserved. 

  Page 2 of 4  

0.749% - 1.499%
_________ 

_________ 
8.99% - 17.99%

_________ 
0.833% - 1.333%

_________ 
9.99% - 15.99%

of  the  Minimum  Monthly  Payment  will  first  be  applied  to  the  balance  bearing  the 
highest rate of interest, and then to each successive balance bearing the next highest 
rate of interest, until the payment is depleted. 

Any unpaid portion of the Finance Charge will be paid by subsequent payments and 
will  not  be  added  to  Your  principal  balance.  You  understand  that  any  delay  in  the 
repayment of Your unpaid balance will increase Your periodic Finance Charges and 
any acceleration in the repayment of Your unpaid balance will decrease Your periodic 
Finance Charges. 

Cash  Reserve  Line  of  Credit  Minimum  Monthly  Contractual  Payments  will  be 
established and fixed on the first day of the calendar month immediately following 
each  advance  at  an  amount  equal  to  3.00%  of  Your  then  outstanding  balance, 
subject to the lesser of $25.00 or Your balance. 

Platinum  Credit  Card  and  Platinum  Rewards  Credit  Card  Minimum  Contractual 
Payments  will  be  an  amount  equal to 2.00%  of  Your  new  unpaid  Platinum  Credit 
Card  or  Platinum  Rewards  Credit  Card  balance  at  the  end  of  each  billing  cycle, 
subject  to  the  lesser  of  $25.00  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 – CASH RESERVE LINE OF CREDIT. For Cash Reserve Line of 
Credit, if Your payment is 15 or more days past due, You will be charged the greater 
of 5.00% of the payment due or $15.00. 

FINANCE CHARGES – CASH RESERVE LINE OF CREDIT. For Cash Reserve Line 
of  Credit,  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  –  CASH  RESERVE  LINE  OF 
CREDIT.  For Cash Reserve Line of Credit, the Finance Charge is determined by 
multiplying Your 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 total 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. 

FINANCE  CHARGES  -  PLATINUM  CREDIT  CARD  AND  PLATINUM  REWARDS 
CREDIT CARD. In the case of any transactions under Your Platinum Credit Card or 
Platinum Rewards Credit Card Feature Categories, the balances subject to the periodic 
Finance  Charge  are  the  average  daily  transaction  balances  outstanding  during  the 
month  (including  new  transactions).  To  get  the  average  daily  balance, We  take  the 
beginning balance of Your Account each day, add any new purchases, cash advances,  

insurance premiums, debit adjustments or other charges and subtract any payments, 
credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add 
up all the daily balances for the billing cycle and divide them by the number of days 

OTBS 016 Web OMNI (3/18) 
Rev. (3/18) 

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 25 days of Your statement closing date. Otherwise, 
the new balance of purchases, and subsequent purchases from the date they are 
posted to Your Account, will be subject to a Finance Charge. Cash advances and 
balance transfers are always subject to a Finance Charge from the later of the date 
they are posted to Your Account or from the first day of the billing cycle in which the 
cash advance is posted to Your Account. 

OVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or in 
such increments as We may from time to time determine) to Your share draft account 
by an advance on Your Cash Reserve Line of Credit Feature Category, subject to 
this  provision, to clear  any  Overdraft  on  Your share  draft  account. Whether  or  not 
such transfers occur will be controlled by this Agreement. In any event, You hold Us 
harmless for any and all liability which might otherwise arise if the transfer does not 
occur. Overdraft protection automatically ceases if this Agreement is ever cancelled 
or terminated or Your Account is in default. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
Disclosure  -  Federal  Truth-In-Lending  Act."  and/or  "Credit  Line  Account  Advance 
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,  credit  standing  and  financial  responsibility  in  accordance  with 
applicable laws and regulations. You further agree that We may give information 
about the status and payment history of Your Account to consumer credit reporting 
agencies, a prospective employer or insurer, or a state or federal licensing agency 
having any apparent legitimate business need for such information.  

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  not  send  You  a 
statement if We feel Your Account is uncollectible or if We have started collection 
proceedings against You because You defaulted. EACH STATEMENT IS DEEMED 
TO  BE  A  CORRECT  STATEMENT  OF  ACCOUNT  UNLESS  YOU  ESTABLISH  A 
BILLING ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.  

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 Michigan except to the extent that such laws are inconsistent with controlling 
federal law. 

OUR  RESPONSIBILITIES  TO  HONOR  CONVENIENCE  CHECKS. We are  under 
no  obligation to  honor Your  Convenience  Checks  if:  (1)  by  paying a  Convenience 
Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks 
have  been  reported  lost  or  stolen;  (3)  Your  Account  has  been  cancelled  or  has 
expired.  If  a  postdated  Convenience  Check  is  paid  and,  as  a  result,  any  other 
Convenience Check is returned unpaid, We are not responsible for any resulting loss 
or liability. 

DEFAULT. You will be in default if: (a) You do not make any payment or perform 
any obligation under this Agreement, or any other agreement that You may have 
with Us; or (b) You should die, become involved in any insolvency, receivership or 
custodial proceeding brought by or against You; or (c) You have made a false or 
misleading statement in Your credit application and/or in Your representations to 
Us while You owe money on Your Account; or (d) A judgment or tax lien should 
be filed against You or any attachment or garnishment should be issued against 
any of Your property or rights, specifically including anyone starting an action or 
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, 
in good faith, believe Your ability to repay Your indebtedness hereunder is or soon 
will be impaired, time being of the very essence. 

Upon any occurrence of default, We may, to the extent permitted by law, cancel Your 
rights under this Agreement, require the return of all access devices and declare the 
entire  balance  of  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  actual  attorneys’  fees  incurred  in  the  course  of  collecting  any  amounts  owed 
under this Agreement or in the recovery of any Collateral. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement 
if We delay enforcing them. We can accept late payments, partial payments or any 
other  payments, even  if they  are marked  "paid  in  full"  without losing any  of Our 
rights under this Agreement. If any provision of this or any related agreement is 
determined to be unenforceable or invalid, all other provisions remain in full force 
and effect. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
or otherwise have a change of address. 

CHANGE  IN  TERMS. We may change the  terms  of this  Agreement  by  mailing  or 
delivering to You written notice of the changes as prescribed by the Federal Truth-
In-Lending Act. To the extent permitted by law, the right to change the terms of this 
Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the  periodic  rate 
applicable to Your unpaid balance and/or future advances. 

CREDIT INSURANCE. Credit insurance is not required 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. 

SPECIFIC TERMS APPLICABLE TO YOUR 
PLATINUM CREDIT CARD AND  
PLATINUM REWARDS CREDIT CARD 

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. 

OWNERSHIP. Your Card remains Our property and may be canceled by Us at any 
time  without  notice.  You  agree  to  surrender  Your  Card  and  to  discontinue  its  use 
immediately upon Our request. 

ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon 
Your  request,  a  Personal  Identification  Number  (PIN)  for  use  with  participating 
Automated  Teller  Machines  (ATMs).  This  PIN  is  confidential  and  should  not  be 
disclosed to anyone. You may use Your PIN to access Your Account and all sums 
advanced will be added to Your Account balance. In the event a use of Your PIN 
constitutes  an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your 
Electronic Fund Transfer Agreement may also affect Your rights.  

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
slips You may sign or receive when using Your Card contain terms, this Agreement 
is the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
You will not be liable for the unauthorized use that occurs after You notify Us of the 
loss, theft, or possible unauthorized use by calling Us at (269) 441-6222. You may 
also write 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 electronic terminals to honor the Cards or complete a Card 
withdrawal, or for their retention of the Cards or Convenience Checks. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries  and 
foreign  currencies,  the  exchange  rate  between  the  transaction  currency  and  the 
billing  currency  (U.S.  dollars)  will  be:  (a)  a  rate  selected  by  MasterCard  from  the 
range  of  rates  available  in  wholesale  currency  markets  for  the  applicable  central 
processing  date,  which  rate may vary  from the  rate  MasterCard  itself  receives;  or  
(b)  the  government-mandated  rate  in  effect  for  the  applicable  central  processing 
date. In each instance, You will be charged a fee in an amount equal to 1.00% of the 
settlement amount. 

TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant, 
electronic  terminal  or  financial  institution  at  which  transactions  were  made,  but 
sales, cash advance, credit or other slips cannot be returned with the statement. 

Copyright Oak Tree Business Systems, Inc., 2006-2018. All Rights Reserved. 

  Page 3 of 4   

OTBS 016 Web OMNI (3/18) 
Rev. (3/18) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
RETURNED  CHECK  CHARGE.  You  will  be  charged  the  lesser  of  $20.00  or  the 
required minimum payment amount for the returned payment for any check (or other 
negotiable instrument used for payment) which is returned unpaid.  

LATE CHARGE. If Your payment is one or more days past due, You will be charged 
the lesser of: (a) the amount of the minimum payment due; or (b) $25.00.  

OVER-THE-CREDIT LIMIT FEE. If You have affirmatively consented to allow Us to 
pay a transaction that would exceed Your Credit Limit and We have acknowledged 
Your consent as required by applicable law, subject to any limitations imposed by 
applicable  law,  You  will  be  charged  a  fee  for  each  billing  cycle  during  which  You 
exceed Your Credit Limit. The fee will be an amount equal to the lesser of: (a) $25.00; 
or (b) the amount by which You have exceeded Your Credit Limit. 

PENALTY  RATE-  PLATINUM  CREDIT  CARD  AND  PLATINUM  REWARDS 
CREDIT  CARD.  If  Your  credit  card  accessible  Feature  Category  is  more  than  60 
days  past  due,  subject  to  applicable  law,  the  Monthly  Periodic  Rate  applicable  to 
Your entire balance of transactions existing at that time and in the future will increase 
to 1.50% (corresponding ANNUAL PERCENTAGE RATE 18.00%).  

When We receive Your letter, We must do two things: 

1)  Within 30 days of receiving Your letter, We must tell You that We received Your 

letter. We will also tell You if We have already corrected the error. 

2)  Within  90  days  of  receiving  Your  letter,  We  must  either  correct  the  error  or 

explain to You why We believe the bill is correct. 

While We investigate whether or not there has been an error: 

  We cannot try to collect the amount in question, or report You as delinquent on 

 

that amount. 
The charge in question may remain on Your statement, and We may continue 
to charge You interest on that amount. 

  While You do not have to pay the amount in question, You are responsible for 

the remainder of Your balance. 

  We can apply any unpaid amount against Your Credit Limit. 

After We finish Our investigation, one of two things will happen: 

During the six month period following the effective date of the increase, upon receipt 
of the first six consecutive required minimum periodic payments when due, the rate 
will be returned to the standard rate that would have otherwise been in effect. 

 

 

LOST  CARDS  OR  CONVENIENCE  CHECKS.  To  report  lost  or  stolen  Credit 
Cards  or  Convenience  Checks,  You  will  immediately  call  Us  at  (269)  441-6222. 
You may also 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 automatically 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 Our address shown in 
this Agreement. 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 

If We made a mistake: You will not have to pay the amount in question 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 explanation but still believe Your bill is wrong, You must write to 
Us  within  10  days telling  Us that You still  refuse to  pay.  If You do so, We cannot 
report You as delinquent without also reporting that You are questioning Your bill. 
We must tell You the name of anyone to whom we reported You as delinquent, and 
We must let those organizations know  when the matter has been settled between 
Us. If We do not follow all of the rules above, You do not have to pay the first $50.00 
of the amount You question even if Your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If You are dissatisfied with the goods or services that You have purchased with Your 
Credit  Card,  and  You  have  tried  in  good  faith  to  correct  the  problem  with  the 
merchant,  You  may  have  the  right  not  to  pay  the  remaining  amount  due  on  the 
purchase. To use this right, all of the following must be true: 

1)  The purchase must have been made in Your home state or within 100 miles of 
Your current mailing  address, and the  purchase  price must  have  been  more 
than $50.00. (Note: Neither of these are necessary if Your purchase was based 
on an advertisement We mailed to You, or if We own the company that sold 
You the goods or services.) 

2)  You must have used Your Credit Card for the purchase. Purchases made with 
cash advances from an ATM or with a check that accesses Your Credit Card 
account do not qualify. 

3)  You must not yet have fully paid for the purchase. 

If all  of the criteria  above are met  and  You are still  dissatisfied  with  the  purchase, 
contact Us in writing at 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. 

Copyright Oak Tree Business Systems, Inc., 2006-2018. All Rights Reserved. 

  Page 4 of 4   

OTBS 016 Web OMNI (3/18) 
Rev. (3/18)