�CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16  All Rights Reserved 10428614-MXC30-C-1-020722 (MXC305-E)
CONSUMER
CREDIT CARD
AGREEMENT
AND
DISCLOSURE
MASTERCARD
This Consumer Credit Card Agreement and Disclosure together with theAccount Opening Disclosure and any other
Account opening documents orany subsequent documents provided toYou related tothis Account (hereinafter
collectively referred toas�Agreement �)govern theterms andconditions ofthisAccount. �We,� �Us,� �Our� and�Ours� and
�Credit Union� refers toKinecta Federal Credit Union withwhich thisAgreement ismade. �You,� �Your ,�and�Yours �refers
toeach applicant and co-applicant fortheAccount ;anyperson responsible forpaying theAccount; and anyone You
authorize touse, access orservice theAccount. "Card" means theMastercard �credit card andanyother access devices,
duplicates, renewals, orsubstitutions ,theCredit Union issues toYou. "Account" means thelineofcredit established by
this Agreement and includes Your Card.
SECURITY INTEREST
You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights
the Credit Union may have in any goods You purchase.
If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares
will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account
until the Credit Union agrees to release all or part of the pledged amount.
You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now
and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that
would lose special tax treatment under state or federal law if given as security are not subject to the security
interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in
default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.
For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay
any or all of the unpaid balance.
Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union
may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding
anything to the contrary in any other Agreement.
1.ARBITRATION AND WAIVER OFCLASS ACTION �The Credit Union andYou agree thattheCredit Union and
You shall attempt toinformally settle anyand alldisputes arising outof,affecting, orrelating toYour Account, orthe
products orservices Wehave provided, willprovide orhave offered toprovide toYou, and/or anyaspect ofYour Account
relationship with Us(hereafter referred toasthe�Claims�). Ifthatcannot bedone, then theCredit Union andYou agree
that any and allClaims that arethreatened, made, filed orinitiated after theEffective Date (defined below) ofthis
Arbitration andWaiver ofClass Action provision (�Arbitration Agreement�), even iftheClaims arise outof,affect orrelate
toconduct that occurred prior totheEffective Date, shall, attheelection ofeither UsorYou, beresolved bybinding
arbitration administered bytheAmerican Arbitration Association (�AAA�) inaccordance with itsapplicable rules and
procedures forconsumer disputes (�Rules�), whether such Claims areincontract, tort, statute, orotherwise. The Rules
canbeobtained ontheAAA website freeofcharge atwww.adr.org; or,acopy oftheRules canbeobtained atanyCredit
Union branch upon request. Either theCredit Union orYou may elect toresolve aparticular Claim through arbitration,
even iftheCredit Union orYouhave already initiated litigation incourt related totheClaim, by:(a)making written demand
forarbitration upon theother party, (b)initiating arbitration against theother party, or(c)filing amotion tocompel
arbitration incourt. ASARESULT, IFEITHER THE CREDIT UNION ORYOU ELECT TORESOLVE APARTICULAR
CLAIM THROUGH ARBITRATION, YOU WILL GIVE UPYOUR RIGHT TOGOTOCOURT TOASSERT ORDEFEND
YOUR RIGHTS UNDER THIS AGREEMENT (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL
CLAIMS COURT JURISDICTION, SOLONG ASTHE CLAIM REMAINS INSMALL CLAIMS COURT). This Arbitration
Agreement shall beinterpreted andenforced inaccordance with theFederal Arbitration Actsetforth inTitle 9oftheU.S.
Code tothefullest extent possible, notwithstanding anystate lawtothecontrary, regardless oftheorigin ornature ofthe
Claims atissue. This Arbitration Agreement does notprevent You from submitting anyissue relating toYour accounts for Page 2 of6
10428614-MXC30-C-1-020722 (MXC305-E)review orconsideration byafederal, state, orlocal governmental agency orentity, nordoes itprevent such agency or
entity from seeking relief on Your behalf.
A.Selection ofArbitrator. The Claims shall beresolved byasingle arbitrator. The arbitrator shall beselected in
accordance with theRules, andmust have experience inthetypes offinancial transactions atissue intheClaims. Inthe
event ofaconflict between theRules and thisArbitration Agreement, thisArbitration Agreement shall supersede the
conflicting Rules only totheextent oftheinconsistency. IfAAA isunavailable toresolve theClaims, and iftheCredit
Union and You do not agree on a substitute forum, then You can select the forum for the resolution of the Claims.
B.Effective Date. This Arbitration Agreement iseffective upon the61stdayafter Weprovide ittoYou (�Effective Date�),
unless You opt-out in accordance with the requirements of the RIGHT TO OPT-OUT provision below .
C.Claims Arising Prior toEffective Date. THIS BINDING ARBITRATION AGREEMENT APPLIES TOALL CLAIMS
THAT ARE FILED ORINITIATED AFTER THE EFFECTIVE DATE, EVEN IFTHE CLAIM ARISES OUT OF,AFFECTS,
ORRELATES TOCONDUCT THAT OCCURRED PRIOR TOTHE EFFECTIVE DATE. IfaClaim isfiled orinitiated prior
to the Effective Date, this Arbitration Agreement will not apply to such Claim.
D.Arbitration Proceedings. The arbitration shall beconducted within 50miles ofYour residence atthetime the
arbitration iscommenced. Anyclaims anddefenses thatcanbeasserted incourt canbeasserted through arbitration. The
arbitrator shall beentitled toaward thesame remedies that acourt canaward, including public injunctive relief tothe
extent available under theCalifornia Unfair Competition Law and Consumer Legal Remedies Act. Discovery shall be
available fornon-privileged information tothefullest extent permitted under theRules. The arbitrator�s award canbe
entered asajudgment incourt. Except asprovided inapplicable statutes, thearbitrator�s award isnotsubject toreview by
thecourt anditcannot beappealed. TheCredit Union shall payforanyfiling, administration, andarbitrator fees imposed
onYou bytheAAA. However, You willberesponsible forYour own attorneys� fees, unless You prevail onYour Claim in
thearbitration, inwhich case, WewillpayYour attorneys� fees. However, iftheCredit Union prevails, then You willnotbe
required to pay the Credit Union�s attorneys� fees and cost.
Any determination astowhether thisArbitration Agreement isvalid orenforceable inpart orinitsentirety willbemade
solely bythearbitrator, including without limitation any issues relating towhether aClaim issubject toarbitration;
provided, however, the enforceability of the Class Action Waiver set forth below shall be determined by the Court.
E.Class Action Waiver. ANY ARBITRATION OFACLAIM WILL BEONANINDIVIDUAL BASIS. YOU UNDERSTAND
AND AGREE THAT YOU ARE WAIVING THE RIGHT TOPARTICIPATE ASACLASS REPRESENTATIVE ORCLASS
MEMBER IN A CLASS ACTION LAWSUIT.
F.Severability. Intheevent theClass Action Waiver inthisArbitration Agreement isfound tobeunenforceable forany
reason, theremainder ofthisArbitration Agreemen tshall also beunenforceable. Ifany provision inthisArbitration
Agreement, other than theClass Action Waiver, isfound tobeunenforceable, theremaining provisions shall remain fully
enforceable.
G.Survival.  This Arbitration Agreement will survive termination of the Account and/or this Agreement.
H.Right toOpt-Out. Youhave theright toopt-out ofthisArbitration Agreement, provided Younotify UsofYour intent to
dosowithin 60days after itisprovided toYou. Your opt-out isonly effective ifYou notify Usinwriting atKinecta Federal
Credit Union, P.O. Box 10003, Manhattan Beach, CA90266 within such 60-day time period. IfYou failtoopt-out within
this60-day time, Youwillbedeemed tohave consented totheresolution ofYour Claims through binding arbitration. Inthe
event You opt-out, itshall notaffect other terms andconditions ofYour Agreement orYour relationship with theCredit
Union.
I.Inapplicability toCovered Borrowers .This Arbitration Agreement willnotapply totheextent prohibited under
the federal Military Lending Act, such as if You are a �covered borrower� under the Military Lending Act.
J.FOR MORE DETAILS orifYouhave questions, Youmay calltheCredit Union orvisitabranch. IfYouhave questions
about AAA procedures, You should check AAA�s website, www.adr.org , OR call AAA at (800) 778-7879.
2.USING YOUR ACCOUNT �Byusing theAccount orkeeping theCard, You agree totheterms ofthisAgreement.
You agree touse Your Account inaccordance with this Agreement. Your Account must only beused forlawful
transactions.
3.CREDIT LIMIT �Wemay establish acredit limit aspartofthisAgreement, which You promise nottoexceed. IfYou
exceed thecredit limit, You promise torepay immediately theamount which exceeds thecredit limit, including amounts
duetofinance charges, fees orother charges. You may request acredit limit increase onYour Account only byamethod
acceptable totheCredit Union. Wemay increase ordecrease Your credit limit, refuse tomake anadvance and/or
terminate Your Account at any time for any reason permitted by law.
4.REPAYMENT �You promise torepay allamounts You owe under thisAgreement. Your promise torepay includes
alltransactions made toYour Account byYou oranyone You authorize touse Your Account aswell asallinterest
charges and fees.
For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date. Page 3 of6
10428614-MXC30-C-1-020722 (MXC305-E)TheMinimum Payment Due is2.00% ofYour total New Balance, or$25.00 ,whichever isgreater, plus anyamount past
dueandanyamount bywhich You have exceeded Your applicable credit limit. IfYour total New Balance isless than
$25.00 , then Your Minimum Payment Due is the amount of the total New Balance.
You may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.
IfYoumake extra orlarger payments, Youarestillrequired tomake atleast theMinimum Payment Due each month Your
Account hasabalance (other than acredit balance). The Credit Union may delay replenishing Your credit limit until the
date the payment is posted or the Credit Union confirms the payment has cleared.
Your payment oftherequired Minimum Payment Due may beapplied towhat You owe theCredit Union inanymanner
theCredit Union chooses, aspermitted byapplicable law. IfYou make apayment inexcess oftherequired Minimum
Payment Due, theCredit Union willallocate theexcess amount firsttothebalance with thehighest annual percentage
rate (�APR�) and anyremaining portion totheother balances indescending order based onapplicable APR, unless
otherwise prescribed byapplicable law.Wemay accept checks marked "payment infull"orwith words ofsimilar effect
without losing any of Our rights to collect the full balance of Your Account with Us.
5.INTEREST AND FINANCE CHARGES �Wewillbegin charging Youinterest onpurchases andbalance transfers on
thedate thetransaction isposted toYour Account. Wewillbegin charging You interest oncash advances onthedate of
thetransaction orthefirstdayofthebilling cycle inwhich thetransaction isposted toYour Account, whichever islater
(transaction date). However, Wewillnotcharge You anyinterest onnew purchases orbalance transfers ifYour Account
hadazero orcredit balance atthebeginning ofthatbilling cycle, orYou paid theentire new balance ontheprevious
cycle's billing statement bythePayment Due Date ofthatstatement. Toavoid anadditional finance charge onthebalance
ofpurchases orbalance transfers ,You must paytheentire new balance onthebilling statement bythePayment Due
Date  of that statement.
How We Calculate Your Balance:
Interest charges onYour Account arecalculated separately forpurchases, balance transfers and cash advances
(�Transaction Type�). Wefigure theinterest charge foreach Transaction Type byapplying theperiodic rate toeach
corresponding �average daily balance.� Togetthe�average daily balance� foraTransaction Type Wetake thebeginning
balance forthatTransaction Type each day, addanynew transactions ofthattype, andsubtract anyunpaid interest or
other finance charges andanyapplicable payments orcredits. This gives Usthedaily balance foreach Transaction Type.
Then, foreach Transaction Type, Weadd upallthedaily balances forthebilling cycle and divide each total bythe
number of days in the billing cycle. This gives Us the �average daily balance� for each Transaction Type.
6.FEES �Inaddition totheperiodic rate, additional fees may beimposed onYour Account. Ifapplicable toYour
Account, thefeeamounts and explanations aredisclosed ontheAccount Opening Disclosure accompanying this
Agreement.
7.FOREIGN TRANSACTIONS �Purchases andcash advances made inforeign currencies willbedebited from Your
Account inU.S. dollars. Theexchange rateused toconvert foreign currency transactions toU.S. dollars isbased onrates
observed inthewholesale market orgovernment-mandated rates, where applicable. The currency conversion rate
Mastercard uses foraparticular transaction istherate fortheapplicable currency onthedate thetransaction occurs.
However, inlimited situations, particularly where transaction submissions toMastercard forprocessing aredelayed, the
currency conversion rate Mastercard uses may betherate fortheapplicable currency onthedate thetransaction is
processed.
8.AUTHORIZATIONS �Wedonotguarantee authorization ofatransaction, either byUsorbyathird party, even if
You have sufficient credit available. You agree that Wewillnotbeliable forfailing togive anauthorization. Wealso
reserve theright tolimitthenumber oftransactions thatmay beapproved inoneday. Wereserve theright todeny certain
transactions foranyreason and atOur sole discretion, including fordefault, suspected fraudulent orunlawful activity,
internet gambling oranyindication ofincreased riskrelated tothetransaction ortheAccount .You agree thatWehave no
requirement tonotify You ofthespecific reason Wedenied atransaction. IfWedetect unusual orsuspicious activity, We
may suspend Your  credit privileges until We can verify the activity, or We may close the Account.
9.INFORMATION UPDATING SERVICE AND AUTHORIZATIONS �IfYouhave authorized amerchant tobillcharges
toYour Card onarecurring basis, itisYour responsibility tonotify themerchant intheevent Your Card isreplaced, Your
Account information (such asCard number orexpiration date) changes, orYour Account isclosed. However, ifYour Card
isreplaced orYour Account information changes, Youauthorize Us,without obligation onOurpart, toprovide theupdated
Account information tothemerchant inorder topermit themerchant tobillrecurring charges toYour Card. You authorize
Ustoapply such recurring charges toYour Card until You notify UsthatYou have revoked authorization forthecharges
to Your Card.
Your Card isautomatically enrolled inaninformation updating service. Through thisservice, Your updated Account
information (such asCard number orexpiration date) may beshared with participating merchants tofacilitate continued
recurring charges. Updates arenotguaranteed before Your next payment toamerchant isdue. You areresponsible for
making direct payment until recurring charges resume. Torevoke Your authorization allowing Ustoprovide updated
Account information to a merchant, please contact Us. Page 4 of6
10428614-MXC30-C-1-020722 (MXC305-E)10.PREAUTHORIZED CHARGES �Wemay suspend preauthorized recurring charges with merchants if,forexample,
Your Card islostorstolen, You default, orWechange Your Account foranyreason. Ifpreauthorized recurring charges
aresuspended, You areresponsible formaking direct payment forsuch charges until You contact themerchant to
reinstate recurring charges.
11.DEFAULT �Youwillbeindefault under thisAgreement ifYoufailtopaytheMinimum Payment Due byitsPayment
Due Date; pay byacheck orsimilar instrument that isnothonored orthat Wemust return because itcannot be
processed; pay byautomatic debit that isreturned unpaid; make any false ormisleading statements inany credit
application orcredit update; fileforbankruptcy; ordie.Youwillalso beindefault ifYoufailtocomply withtheterms ofthis
Agreement oranyother Agreement Youhave withUs.IfYoudefault, Wemay close Your Account andrequire Youtopay
anyunpaid balance immediately, subject toapplicable law. InthisAgreement andonYour Credit Card Application, You
gave Usasecurity interest inallindividual orjoint share and/or deposit accounts withtheCredit Union andauthorized Us,
ifYou defaulted, toapply thebalance inthese accounts toanyamounts due. You agree Wemay relyonYour agreement
and authorization to, upon Your default, apply any balance to any amounts due on Your Account.
12.LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION �IfYou notice theloss ortheft of
Your credit card orapossible unauthorized useofYour Card, Youshould write toUsimmediately attheaddress listed on
Your billorcallUstoll-free at877.881.6023 or800.854.9846, seven days aweek and weekends 24hours adayor
310.643.5400, Monday through Saturday during regular business hours .You may also contact UsontheWeb:
kinecta.org/contact/.
You willnotbeliable forany unauthorized use that occurs after You notify Us.You may, however, beliable for
unauthorized usethatoccurs before Your notice toUs.However ,ifYouexercise reasonable care insafeguarding Your
Cardfrom riskoflossortheft and, upon discovering thelossortheft promptly report thelossortheft toUs,Youwillnotbe
liable for any unauthorized transactions. In any case, Your liability for unauthorized transactions will not exceed  $50.
13.CHANGING ORTERMINATING YOUR ACCOUNT �Aspermitted bylaw, theCredit Union may change theterms
ofthisAgreement andanyattached Disclosure from time totime. Notice ofanychange willbegiven inaccordance with
applicable law. Totheextent permitted bylaw, changes totheAgreement may apply toYour existing account balance as
well as to future transactions.
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents -Either
You, Your spouse ortheCredit Union may terminate thisAgreement atanytime, buttermination byYou, Your spouse or
theCredit Union willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges YouorYour
spouse owe under thisAgreement. Your obligation topaytheaccount balance plus anyfinance andother charges You
owe under thisagreement aresubject toallapplicable laws andregulations regarding repayment requirements. TheCard
orCards You receive remain theproperty oftheCredit Union andYou must recover andsurrender totheCredit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
Residents ofallother states -Either You ortheCredit Union may terminate thisAgreement atanytime, buttermination
byYou ortheCredit Union willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges
You owe under thisAgreement. Your obligation topaytheaccount balance plus anyfinance andother charges You owe
under thisagreement aresubject toallapplicable laws andregulations regarding repayment requirements. The Card or
Cards You receive remain theproperty oftheCredit Union andYou must recover andsurrender totheCredit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
14.AUTHORIZED USERS �Upon Your request, We may issue additional Cards forauthorized users that You
designate. You must notify Usinwriting ofanytermination ofanauthorized user's right toaccess Your Account .Your
notice must include thename oftheauthorized user andYour Account number and/or anysubaccount number issued to
theauthorized user along with theauthorized user's Cardand anyconvenience orother access checks issued tothe
authorized user. IfYou canno treturn theauthorized user's Cardoraccess checks andifYou request Your Account tobe
closed, Wewillclose Your Account andYou may apply foranew Account. Alternatively, Wemay, atOursole discretion,
issue You a new Account number and a new Card.
15.CREDIT REPORTS �You authorize theCredit Union toobtain credit reports and anyother information Wemay
need toverify Your identity anduseoftheAccount when opening Your Account andforanyupdate, increase, renewal,
extension, collection orreview ofYour Account .You authorize theCredit Union todisclose information regarding Your
Account  to credit bureaus and creditors who inquire about Your  credit standing .
16.JOINT ACCOUNTS �Ifthisisajoint Account ,each ofYou willbeindividually andjointly responsible forpaying all
amounts owed under thisAgreement .This means thattheCredit Union canrequire anyoneofYou individually torepay
theentire amount owed under thisAgreement .Each ofYou authorizes theother(s) tomake transactions ontheAccount
individually. Any one of You may terminate the Account  and the termination will be effective as to all of You.
17.EFFECT OFAGREEMENT �This Agreement isthecontract which applies toalltransactions onYour Account even
though the sales, cash advances, credit or other slips You sign or receive may contain different terms.
18.SEVERABILITY AND FINAL EXPRESSION �This Agreement isthefinal expression oftheterms andconditions of
Your Account .This written Agreement may notbecontradicted byevidence ofanyalleged oralAgreement .Should any Page 5 of6
10428614-MXC30-C-1-020722 (MXC305-E)partofthisAgreement befound tobeinvalid orunenforceable, allother parts ofthisAgreement shall remain ineffect and
fully enforceable to the fullest extent possible under this Agreement.
19.ILLEGAL TRANSACTIONS PROHIBITED �Youagree thatYouwillnotuseYour Card foranytransaction, including
anytype of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.
Even ifYou useYour Card foranillegal transaction, You willberesponsible forallamounts and charges incurred in
connection withthetransaction. This paragraph shall notbeinterpreted aspermitting orauthorizing anytransaction thatis
illegal.
20.APPLICABLE LAW �Theterms andenforcement ofthisAgreement shall begoverned byfederal lawandthelawof
California.
21.ENFORCING THIS AGREEMENT �Wecan delay inenforcing orfailtoenforce any ofOur rights under this
Agreement  without losing them.
22.COLLECTION COSTS �IfWerefer collection ofYour Account toalawyer who isnotOursalaried employee, You
areliable forany reasonable attorney�s fees Weincur, plus thecosts and expenses ofany legal action, asfurther
disclosed on this Agreement, or to the extent allowed by law.
23.ASSIGNMENT �We may assign any or all of Our rights and obligations under this Agreement  to a third party.
24.CALIFORNIA RESIDENTS �Amarried applicant may apply foraseparate Account. Applicants: 1)may, after credit
approval, usethecredit card Account uptoitscredit limit; 2)may beliable foramounts extended under theplan toany
joint applicant. Asrequired bylaw, You arehereby notified thatanegative credit report reflecting onYour credit record
may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.
25.FLORIDA RESIDENTS �You (borrower) agree that, should Weobtain ajudgment against You, aportion of
Your disposable earnings may beattached orgarnished (paid toUsbyYour employer), asprovided byFlorida
and Federal law.
26.MARYLAND RESIDENTS �To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your
Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article .
27.MISSOURI RESIDENTS �Oral Agreements orcommitments toloan money, extend credit ortoforbear from
enforcing repayment ofadebt including promises toextend orrenew such debt arenotenforceable. Toprotect
You (borrower(s)) and Us(creditor) from misunderstanding ordisappointment, any Agreements We reach
covering such matters arecontained inthis writing, which isthecomplete and exclusive statement ofthe
Agreement between Us, except as We may later agree in writing to modify it.
28.NEW YORK RESIDENTS �Wemay obtain acredit report inconnection with thisAccount, including foranyreview,
modification, renewal orcollections associated with thisAccount. Upon Your request, You willbeinformed whether such
report was requested and, ifso,thename andaddress oftheconsumer reporting agency furnishing thereport. New York
residents may contact theNew York State Department ofFinancial Services at800.342.3736 orwww.dfs.ny.gov toobtain
a comparative listing of credit card rates, fees and grace periods.
29.OHIO RESIDENTS �TheOhio laws against discrimination require thatallcreditors make credit equally available to
allcreditworthy customers andthatcredit reporting agencies maintain separate credit histories oneach individual upon
request. The Ohio Civil Rights Commission administers compliance with this law.
30.SOUTH DAKOTA RESIDENTS �IfYou believe there have been anyimproprieties inmaking thisloan orinthe
lender�s loan practices, You may contact theSouth Dakota Division ofBanking at1601 N.Harrison Ave, Suite 1,Pierre,
SD 57501, or by phone at 605.773.3421.
31.WISCONSIN RESIDENTS �IfYouaremarried, please contact Usimmediately uponreceipt ofthisAgreement atthe
address orphone number listed onthisAgreement andprovide Uswith thename andaddress ofYour spouse. Weare
required to inform Your spouse that We have opened an  Account for You.
32.NOTICE TOUTAH BORROWERS �This written Agreement isafinal expression oftheAgreement between You
andtheCredit Union. This written Agreement may notbecontradicted byevidence ofanyoralAgreement. Asrequired by
law, You arehereby notified thatanegative credit report reflecting onYour credit record may besubmitted toacredit
reporting agency if You fail to fulfill the terms of Your credit obligations.
33.THE FOLLOWING ISREQUIRED BYVERMONT LAW �NOTICE TOCO-SIGNER �YOUR SIGNATURE ON
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OFTHIS LOAN. IFTHE BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Page 6 of6
10428614-MXC30-C-1-020722 (MXC305-E)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
IfYou think there is an error on Your statement, write to Us at the address listed on Your statement.
InYour letter, give Us the following information:
-Account information:  Your name and Account number.
-Dollar amount:  The dollar amount of the suspected error.
-Description ofproblem: IfYouthink there isanerror onYourbill,describe what Youbelieve iswrong andwhy You
believe it is a mistake.
You must contact Us:
-Within 60 days after the error appeared on Your statement.
-Atleast three business days before anautomated payment isscheduled, ifYouwant tostop payment ontheamount
You think  is wrong.
You must notify Usofanypotential errors inwriting orelectronically. You may callUs,butifYoudoWearenotrequired
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 30days ofreceiving Yourletter, Wemust tellYouthatWereceived Yourletter. Wewillalso tellYouifWehave
already corrected the error.
2.Within 90days ofreceiving Yourletter, Wemust either correct theerror orexplain toYouwhy Webelieve thebillis
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.
-Wecan apply any unpaid amount against Your credit limit.
After We finish Our investigation, one of two things will happen:
-IfWemade amistake: You willnothave topaytheamount inquestion oranyinterest orother fees related tothat
amount.
-IfWedonotbelieve there was amistake: You willhave topaytheamount inquestion, along with applicable
interest andfees. Wewillsend Youastatement oftheamount Youowe andthedate payment isdue. Wemay then
report You as delinquent if You do not pay the amount We think You owe.
IfYoureceive Ourexplanation butstillbelieve Yourbilliswrong, Youmust write toUswithin 10days telling UsthatYou
stillrefuse topay. IfYoudoso,Wecannot report Youasdelinquent without also reporting thatYouarequestioning Your
bill.Wemust tellYouthename ofanyone towhom Wereported Youasdelinquent, andWemust letthose organizations
know when the matter has been settled between Us.
IfWedonotfollow alloftherules above, Youdonothave topaythefirst$50oftheamount Youquestion even ifYour bill
is correct.
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
IfYouaredissatisfied with thegoods orservices thatYouhave purchased with Yourcredit card, andYouhave tried in
good faith tocorrect theproblem with themerchant, You may have theright nottopaytheremaining amount dueonthe
purchase.
To use this right, all of the following must be true:
1.Thepurchase must have been made inYourhome state orwithin 100miles ofYourcurrent mailing address, andthe
purchase price must have been more than $50. (Note: Neither ofthese arenecessary ifYourpurchase wasbased 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 Yourcredit card forthepurchase. Purchases made with cash advances from anATM orwith a
check that accesses Your credit card Account do not qualify.
3.You must not yet have fully paid for the purchase.
Ifallofthecriteria above aremetandYouarestilldissatisfied withthepurchase, contact Usinwriting orelectronically at
the address listed on Your statement.
While Weinvestigate, thesame rules apply tothedisputed amount asdiscussed above. After Wefinish Ourinvestigation,
WewilltellYouOurdecision. Atthatpoint, ifWethink Youowe anamount andYoudonotpay, Wemay report You as
delinquent.