CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN- LENDING DISCLOSURE STATEMENTS, VISA PLATINUM AND VISA PLATINUM REWARDS AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA PLATINUM OR VISA PLATINUM REWARDS 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   VISA Platinum: % This APR can vary based on the Prime Rate. VISA Platinum Rewards: % This APR can vary based on the Prime Rate.     Annual Percentage Rate VISA Platinum: % Introductory APR for 6 months. (APR) For Balance Transfers After that Your APR will be %. This APR can vary based on the Prime Rate. VISA Platinum Rewards: % Introductory APR for 6 months. After that Your APR will be %. This APR can vary based on the Prime Rate. Annual Percentage Rate VISA Platinum: % (APR) For Cash Advances This APR can vary based on the Prime Rate. VISA Platinum Rewards: % This APR can vary based on the Prime Rate.   Paying Interest We will not charge You interest on purchases and balance transfers if You pay Your entire balance owed each month within 25 days of Your statement closing date. We will begin charging interest on cash advances on the transaction date.   For Credit Card Tips from To learn more about factors to consider when applying for or using a Credit Card, visit the Consumer Financial the website of the Consumer Financial Protection Bureau at Protection Bureau http:/jwww.consumerfinance.gov/learnmore. Transaction Fees     e Foreign Transaction 1.00% of each foreign currency transaction in U.S. Dollars.   Penalty Fees e Late Payment Up to $20.00         How We Will Calculate Your Balance: For purchase transactions, We use a method called "average daily balance (excluding new purchases)." For balance transfer transactions, We use a method called "average daily balance (including new balance transfers)." For cash advance transactions, We use a method called "average daily balance (including new cash advances)." See Your Account Agreement for details. Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.   DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean NEW ENGLAND FEDERAL CREDIT UNION. The words "You" and "Your" mean each person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA Platinum or VISA Platinum Rewards Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the VISA Platinum or VISA Platinum Rewards Credit Card Account established for You under this Agreement. Convenience Checks mean the special Account access devices that We may provide for Your use from time to time. Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved. Page 1 of 4 OTBS 016CC Intro NEFC (6/19)SUSPENSION OF SERVICES. Credit Union services are only available to Credit Union members and each Borrower must maintain membership in the Credit Union in order to continue credit eligibility under this Agreement. We may suspend and or terminate any Account that does not conform to this requirement. At Our discretion, We also have the right to suspend the benefit of any Credit Union service at any time for reasonable cause. Account services are available to those members in good standing with the Credit Union. We reserve the right to cancel or suspend services to a member who is not in good standing, which includes members that have: (a) a delinquent loan or outstanding credit obligation; (b) a primary share account balance below the applicable minimum; (c) an unresolved deposited returned check; (d) any unpaid and uncollected fees; (e) a negative balance on an account; (f) failed to comply with applicable law and/or Our then existing bylaws and amendments; (g) been directly involved in any fraudulent activity; (h) been convicted of a crime; (i) committed, or threatened, acts of violence against Our employees, agents or members; or (j) failed to conduct themselves in a civil and businesslike manner. PROMISE TO PAY. You understand that the following terms and conditions 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, Convenience Checks, Credit Cards, and the like. Regardless of the means by which any advance is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.       Credit card Variable Rate Monthly Periodic Annual Percentage Index Margin Rate Rate VISA Platinum % % VISA Platinum Rewards % %     USE OF YOUR CARD. You may use Your Card to buy goods and services in any place that it is honored, make balance transfers and to get cash advances at participating financial institutions. You agree not to use Your Card prior to signing the reverse side, or 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. CARD TRANSACTIONS INVOLVING YOUR PERSONAL IDENTIFICATION NUMBER (PIN) ARE CASH ADVANCE TRANSACTIONS. Each transaction involving the use of Your Card together with Your Personal Identification Number (PIN) will be classified as a Cash Advance transaction (regardless of the purpose for which the funds are advanced). All such transactions will be subject to the Variable Rate applicable to Cash Advances described elsewhere in this Agreement. Transactions that do not involve the use of Your PIN will be classified as either a purchase transaction or a balance transfer transaction, as may be appropriate. CROSS-COLLATERAL AS 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. PURCHASE MONEY SECURITY. For all purchase money transactions made with Your Card, to the extent permitted by law, You grant Us a security interest in all such personal property purchased with such Card. LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which You are approved. Unless You are in default, any Credit Limits established for You will generally be self-replenishing as You make payments. You will keep Your unpaid balance within Your Credit Limit set by Us, and You will pay any amount over Your Credit Limit on Our demand whether or not We authorize the advances which caused You to exceed Your Credit Limit. Even if Your unpaid balance is less than Your Credit Limit, You will have no credit available during any time that any aspect of Your Account is in default. JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the repayment of any amounts owed. If any Account access device, such as a Personal Identification Number (PIN) is requested and approved, You understand that any such Account access device(s) will be mailed only to the primary Borrower at the address that We have on file for You. We may refuse to follow any instructions which run counter to this provision. MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only pay the Minimum Monthly Payments, You understand that You have the right to repay at any time without penalty. You also understand that You will only be charged periodic Finance Charges to the date You repay Your entire balance. You may make larger payments without penalty. Any partial payment or prepayment will not delay Your next scheduled payment. All payments to Us must be in lawful money of the United States. Payments will be applied first to any Late Charge owing, then to any other fees and charges owing, then to Finance Charges due, then to the outstanding principal balance. As permitted by law, any amounts paid in excess 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. Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved. Page 2 of 4 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. VISA Platinum and VISA Platinum Rewards Minimum Payments will be an amount equal to 3.00% of Your then unpaid balance (which unpaid balance will be rounded up to the nearest $1,000.00), subject to the lesser of $10.00 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 in accordance with such agreement ("AutoPay"). In that event, You will be required to pre-select the amount that will automatically be debited from the applicable deposit account and credited to this Account. When pre- selecting such amount, You will be required to choose between: (a) the entire balance outstanding at the end of a billing cycle; (b) the minimum payment amount that is reflected in the periodic statements that We send; or (c) a fixed dollar amount that equals the greater of 3.00% of Your Maximum Credit Limit or the stipulated amount. Regardless, of whether You choose to have Your payments made through Our AutoPay service, payments will be due as billed and finance charges and other fees will be assessed in accordance with this Agreement. SKIP PAYMENT. If Your Account is in good standing, We may allow You to skip certain payments each year. You will be notified in advance on Your Periodic Statement when You will have the option to skip a Minimum Monthly Payment. Even if You have the option to skip a Minimum Monthly Payment, You may continue to make Your regularly scheduled payments if You wish, and doing so will have the effect of reducing the amount of Finance Charges that will accrue on Your Account. If You have the option to skip a Minimum Monthly Payment, You will not be charged a Late Charge for those payments skipped. However, Finance Charges will continue to accrue on the unpaid balance of Your Account as set forth in this Agreement. The Periodic Statement sent to You immediately following the Skip Payment period will indicate the Minimum Monthly Payment that will be due for that billing cycle, and at that time, Your Minimum Monthly Payments will return to their regularly scheduled amounts and due dates as specified in this Agreement. FINANCE CHARGES. In the case of any transactions under Your VISA Platinum and VISA Platinum Rewards Feature Categories, the outstanding balances subject to a Finance Charge during each billing cycle are determined using a method called “average daily balance." For balances for purchase transactions, the method used is called "average daily balance (excluding new purchases). " To get the average daily balance, We take the beginning balance of purchases for Your Account each day, add any debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. We do not add any new purchases. This gives Us the daily balance for purchases. Then, We add up each of the daily balances for purchases for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle for purchases is computed by multiplying the average daily balance subject to a Finance Charge by the applicable Monthly Periodic Rate. New purchases are added together at the close of each billing cycle, and that sum is posted to the outstanding balance for purchases for Your Account (the "new balance") on the first day of the billing cycle that follows the billing cycle during which the purchases occurred. OTBS 016CC Intro NEFC (6/19)For balances for balance transfer transactions, the method used is called "average daily balance (including new balance transfers)." To get the average daily balance, We take the beginning balance of balance transfers for Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up each of the daily balances for balance transfers for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle for balance transfers is computed by multiplying the average daily balance subject to a Finance Charge by the applicable Monthly Periodic Rate. For balances for cash advance transactions, the method used is called "average daily balance (including new cash advances)." To get the average daily balance, We take the beginning balance of cash advances for Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up each of the daily balances for cash advances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle for cash advances is computed by multiplying the average daily balance subject to a Finance Charge by the applicable Monthly Periodic Rate. The total Finance Charge You owe on Your Account for each billing cycle is the sum of all of the Finance Charges for purchases, balance transfers and cash advances for that billing cycle. You can avoid Finance Charges on purchases and balance transfers 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 balance transfers, and subsequent purchases and balance transfers from the date they are posted to Your Account, will be subject to a Finance Charge. Cash advances 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. For the six month period that immediately follows the date Your Account is established, balance transfer transactions will accrue finance charges at an introductory Monthly Periodic Rate of % (corresponding to an ANNUAL PERCENTAGE RATE of %). Upon the expiration of the introductory rate period, the entire balance of balance transfers will be subject to the non-introductory variable rate described elsewhere in this Agreement. VARIABLE RATE. Balances for purchases and cash 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 Journal in effect on the last Wednesday of each calendar month ("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 ‘st day of the billing cycle that immediately follows any change in the Index. Balances for balance transfers 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 Journal in effect on the day that the introductory rate expires, and subsequently, on the last Wednesday of each calendar month ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate applicable to balance transfers on the day that the introductory rate expires, and subsequently, on the 1st day of the billing cycle that immediately follows any change in the Index. For all balances, 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. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. 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 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. LATE CHARGE. If Your payment is more than 10 days late, You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $20.00. OTHER FEES AND CHARGES. You will be charged the following fees associated with the use of Your Card: (a) $60.00 for each replacement Card You request We replace on an expedited basis; and (b) $5.00 for each Archived Statement copy You request. 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 Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved. Page 3 of 4 We feel Your Account is uncollectible or if We have started collection proceedings against You because You defaulted. EACH STATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT. OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have been reported lost or stolen; (3) Your Account has been cancelled or has expired. If a postdated Convenience Check is paid and, as a result, any other Convenience Check is returned unpaid, We are not responsible for any resulting loss or liability. DEFAULT. Your Account shall be in default if any of the following things occur: (a) You do not make any payment or perform any obligation under this Agreement or any other agreement that You may have with the Credit Union; or (b) You have made a false or misleading statement in Your credit application and/or in Your representations to the Credit Union while You owe money on this Account; or (c) You should die, or be involved in any insolvency, receivership or custodial proceeding brought by or against You; 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 the Credit Union; and/or (e) the Credit Union 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, and to the extent permitted by law, We may declare the entire balance of Your Account immediately due and payable, without prior notice or demand. If the entire balance is not then paid immediately upon default, and if permitted by law, any collateral shall be voluntarily surrendered to the Credit Union at a time and place acceptable to it. If this is not done, to the extent permitted by law, the Credit Union may enter the premises where said collateral is located and take possession of it and the Credit Union may assert the defense of a superior right of possession as the holder of a security interest to any offense of alleged wrongful taking and conversion. The Credit Union may sell or dispose of the Collateral in any manner permitted by law, and any resulting deficiency on Your Account shall be immediately paid to the Credit Union. 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, appellate attorneys’ fees and expenses, and any attorneys’ fees or expenses incurred in any bankruptcy proceeding, whether or not suit is brought. In the event of Your default, You agree to pay all post-judgment collection expenses and further agree and understand that the Credit Union may retain the services of a collection agency and pay such agency a fee calculated on a percentage basis, in an amount not in excess of 25.00% of the unpaid debt after default, and You agree that the amount of such fee will be Our actual cost of collection, exclusive of any court costs and You agree to pay these amounts. 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. DEBT PROTECTION. Debt protection is not required for any extension of credit under this Agreement. However, You may purchase any debt protection available through Us and have the cost 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," 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. OTBS 016CC Intro NEFC (6/19)UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to update information contained in Your original Account application or other financial information related to You, at Our request. You also agree that We may, from time to time, as We deem necessary, make inquiries pertaining to Your employment, credit standing and financial responsibility in accordance with applicable laws and regulations. You further agree that We may give information about the status and payment history of Your Account to consumer credit reporting agencies, a prospective employer or insurer, or a state or federal licensing agency having any apparent legitimate business need for such information. TERMINATION. Either You or We may cancel Your Account, at any time, whether or not You are in default. You will, in any case, remain liable to pay any unpaid balances according to the terms of Your Account. OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any time without notice. You agree to surrender Your Card and to discontinue its use immediately upon Our request. ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your request, a Personal Identification Number (PIN) for use at 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. If You notice the loss or theft of Your Credit Card or a possible unauthorized use of Your Card, You should notify Us immediately by writing to Us at Cardholder Services, P.O. Box 527, Williston, VT 05495-0527, or calling (800) 400- 8790 or (802) 879-8790. 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 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. 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. LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards or Convenience Checks, You will immediately call Us at (800) 400-8790. You may also call Us at (802) 879-8790 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 automatically deposit it to Your Share Account after 6 months. GOVERNING LAW. This Agreement is controlled and governed by the laws of the State of Vermont except to the extent that such laws are inconsistent with controlling federal law. 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: New England Federal Credit Union Attn: Cardholder Services P.O. Box 527 Williston, VT 05495-0527 In Your letter, give Us the following information: Equal Credit Opportunity Act Notice Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved. Page 4 of 4 e Account information: Your name and Account number. e Dollar amount: The dollar amount of the suspected error. e 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: e Within 60 days after the error appeared on Your statement. e At least 3 business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong. You must notify Us of any potential errors in writing. You may call Us at (802) 879- 8790 or (800) 400-8790, but if You do We are not required to investigate any potential errors and You may have to pay the amount in question. What Will Happen After We Receive Your Letter   When We receive Your letter, We must do two things: 1) Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have already corrected the error. 2) Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is correct. While We investigate whether or not there has been an error: e We cannot try to collect the amount in question, or report You as delinquent on that amount. e The charge in question may remain on Your statement, and We may continue to charge You interest on that amount. e While You do not have to pay the amount in question, You are responsible for the remainder of Your balance. e — Wecan apply any unpaid amount against Your Credit Limit. After We finish Our investigation, one of two things will happen: e 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. e 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. 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. OTBS 016CC Intro NEFC (6/19)The federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this credit union is: National Credit Union Administration, Office of Consumer Protection (OCP), Division of Consumer Compliance and Outreach (DCCO), 1775 Duke Street, Alexandria, Virginia 22314 Copyright Oak Tree Business Systems, Inc., 2019. All Rights Reserved. Page 5 of 4 OTBS 016CC Intro NEFC (6/19)