CREDIT LINE ACCOUNT AGREEMENT 
                             AND FEDERAL DISCLOSURE STATEMENT              
                  
                        THIS IS YOUR CREDIT LINE ACCOUNT  AGREEMENT AND IT INCLUDES NECESSARY FEDERAL 
  P.O. Box 189 
  Newburgh, IN 47629-0189  TRUTH-IN-LENDING  DISCLOSURE  STATEMENTS,  MY  CHOICE  VISA  AND  MY  PREFERRED  VISA 
  (812) 253-MYCU (6928) (phone)  AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR MY CHOICE VISA 
  (270) 830-8233 (phone)  AND MY PREFERRED VISA CREDIT  CARDS,  AND/OR  ANY OTHER  ACCOUNT  ACCESS DEVICE. 
  (812) 853-1749 (fax)  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 
                     My Choice VISA:  _______%    . 
  (APR) For Purchases 
                        This APR will vary with the market based on the Prime Rate. 
   
                         
                                     
                     My Choice Plus VISA:  _______% . 
                        This APR will vary with the market based on the Prime Rate. 
                      
                                         
                     My Choice Secured VISA:  _______% .  
                        This APR will vary with the market based on the Prime Rate. 
                           
                     My Choice Plus Secured VISA:  _______%    .  
                        This APR will vary with the market based on the Prime Rate. 
                           
                                    
                     My Preferred VISA:  _______% . 
                        This APR will vary with the market based on the Prime Rate. 
                      
                                       
                     My Preferred Plus VISA:  _______% . 
                        This APR will vary with the market based on the Prime Rate. 
                        
                      
  Annual Percentage Rate  My Choice VISA: _______%.    
  (APR) For Balance     This APR will vary with the market based on the Prime Rate. 
  Transfers              
                                     
                     My Choice Plus VISA: _______%. 
                        This APR will vary with the market based on the Prime Rate. 
                         
                                        
                     My Choice Secured VISA: _______%.  
                        This APR will vary with the market based on the Prime Rate. 
                           
                     My Choice Plus Secured VISA: _______%.     
                        This APR will vary with the market based on the Prime Rate. 
                         
                     My Preferred VISA: _______%.    
                        This APR will vary with the market based on the Prime Rate. 
                      
                                       
                     My Preferred Plus VISA: _______%. 
                        This APR will vary with the market based on the Prime Rate. 
                        
  
  
                   SEE PAGE 2 for more important information about Your Account  
                                         
  
  
  
  
  
  
  
           
  
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 Interest Rate and Interest Charges (continued) 
                      
 Annual Percentage Rate  My Choice VISA: _______%    
 (APR) For Cash Advances  This APR will vary with the market based on the Prime Rate. 
  
                         
                     My Choice Plus VISA: _______%    
                        This APR will vary with the market based on the Prime Rate. 
                         
                     My Choice Secured VISA: _______%.     
                          This APR will vary with the market based on the Prime Rate. 
                           
                     My Choice Plus Secured VISA: _______%.     
                          This APR will vary with the market based on the Prime Rate. 
                         
                     My Preferred VISA: _______%    
                        This APR will vary with the market based on the Prime Rate. 
                      
                     My Preferred Plus VISA: _______%    
                        This APR will vary with the market based on the Prime Rate. 
                      
                     Consumer Line of Credit: _______%    
                        
 Penalty APR And When  18.00% 
 it Applies 
                        This APR may be applied to Your VISA 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  applied  to  transactions  that  occur  after  the  increase  may  be  applied 
                        indefinitely. For transactions that occurred prior to the effective date of the increase, the 
                        increase will apply indefinitely unless 6 consecutive payments are received on or before 
                        the due date during the six-month period following such increase. 
  
 Paying Interest     For VISA, 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 balance transfers and 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, 
 the Consumer Financial  visit the website of the Consumer Financial Protection Bureau at 
 Protection Bureau   http://www.consumerfinance.gov/learnmore.  
 Fees 
                      
 Transaction Fees     
                      
   ?  Overdraft Transfer  $5.00 
   ?  Cash Advance   For VISA, up to 2.00% of each advance ($10.00 minimum). 
   ?  Balance Transfer  For VISA, up to 4.00% of each transfer ($10.00 minimum). 
   ?  Foreign Transaction  For VISA, 1.00% of each foreign currency transaction in U.S. dollars. 
  
                     For VISA, 1.00% of each U.S. Dollar transaction that occurs in a foreign country. 
                      
                      
 Penalty Fees         
                      
   ?  Late Payment   For VISA, up to $25.00. 
                     For Consumer Line of Credit, 5.00% of the payment ($13.00 maximum). 
   ?  Returned Payment  For VISA, up to $30.00. 
  
                     For Consumer Line of Credit, $30.00. 
                      
  
  
 How We Will Calculate Your Balance: For VISA, We use a method called "average daily balance (including new purchases)" 
 For Consumer Line of Credit, We use a method called "daily balance." See Your Account Agreement for details. 
  
 Billing Rights:   Information on Your rights to dispute transactions and how to exercise those rights is provided in Your  
 Account Agreement. 
  
                   SEE PAGE 1 for more important information about Your Account  
  
         
  
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 In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean HERITAGE 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 My Choice VISA, My 
 Choice Plus VISA, My Choice Secured VISA, My Choice Plus Secured VISA, My Preferred VISA or My Preferred Plus VISA 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. 
  
 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, debit 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 Consumer Line of Credit (including Overdraft Protection), My Choice VISA, My 
 Choice Plus VISA, My Choice Secured VISA, My Choice Plus Secured VISA, My Preferred VISA and My Preferred Plus VISA.  
  
                        Variable Rate       Daily Periodic      Annual Percentage 
  Feature Category 
                      Index    Margin          Rate                 Rate  
                                                                      
  My Choice VISA      ________    ________    ______________%     ______________% 
                                                                      
  My Choice Plus VISA    ________    ________    ______________%    ______________% 
                                                                      
  My Choice Secured VISA    ________    ________    ______________%    ______________% 
                                                                      
  My Choice Secured Plus VISA    ________    ________    ______________%    ______________% 
                                                                      
  My Preferred VISA     ________    ________    ______________%    ______________% 
                                                                      
  My Preferred Plus VISA    ________    ________    ______________%    ______________% 
                                                                      
  Consumer Line of Credit                    ______________%      ______________% 
                                                             
  
 ADVANCES. Whenever You request a transaction, We may require You to  JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for 
 prove  Your  identity.  Advances  made  on  Your  Account  will  be  processed  the repayment of any amounts owed. If any Account access device, such as a 
 according to the instructions You give Us (such as by wire transfer, direct transfer  Personal  Identification  Number  (PIN)  is  requested  and  approved,  You 
 to Your Credit Union account or by other such means) and You authorize Us to  understand that any such Account access device(s) will be mailed only to the 
 do this, or We may draw a draft or check made payable to You and mail it to  primary Borrower at the address that We have on file for You. We may refuse to 
 You. When the amount advanced appears on a subsequent statement, that will  follow any instructions which run counter to this provision. 
 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  MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You 
 the provision of this Agreement titled "Your Billing Rights: Keep this Document  need only pay the Minimum Monthly Payments, You understand that You 
 for Future Use."                        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 
 SECURITY. As permitted by law, to secure all transactions under this Agreement  Your entire balance. You may make larger payments without penalty. Any 
 in either joint or individual Accounts, We have the right to impress and enforce a  partial payment or prepayment will not delay Your next scheduled payment. 
 statutory lien against Your shares on deposit with Us (other than those deposits  All payments to Us must be in lawful money of the United States. We may 
                                         apply each payment to whichever Feature Category We wish. For all Feature 
 established under a governmental approved tax deferral plan such as an IRA or 
                                         Categories (except VISA), payments will be applied first to any Late Charges 
 Keogh account), and any dividends due or to become due to You from Us to the 
                                         owing, then to the Finance Charge due, then to the outstanding principal 
 extent that You owe on any unpaid balance on Your Account and We may 
                                         balance. To the extent permitted by law, We may apply VISA payments in 
 enforce Our right to do so without further notice to You. Additionally, You agree 
                                         an order of Our choosing. Any unpaid portion of the Finance Charge will be 
 that We may set-off any mutual indebtedness. 
                                         paid  by  subsequent  payments and  will  not  be  added  to  Your  principal 
  
                                         balance. You understand that any delay in the repayment of Your unpaid 
 OTHER SECURITY. Collateral (other than household goods or any dwelling) 
                                         balance will increase Your periodic Finance Charges and any acceleration 
 given  as security for  any  other  loan You may  have  with  Us will  secure  
                                         in  the  repayment  of  Your  unpaid  balance  will  decrease  Your  periodic 
 all amounts You owe Us now and in the future if that status is reflected in  
                                         Finance Charges. 
 the  "Truth-in-Lending  Disclosure"  in  any  particular  Agreement  evidencing  
                                          
 such debt.      
                                         Consumer Line of Credit Minimum Monthly Payments will be established at the 
  
                                         close of each billing cycle at an amount equal to 3.00% of Your then outstanding 
 CONSENSUAL LIEN ON SHARES. If You have been issued a Credit Card,  
                                         principal balance, subject to the lesser of $15.00 or Your balance, plus any 
 ATM card or debit card, You grant and consent to a lien on Your shares 
                                         portion of the Minimum Payments shown on prior statement(s) which remains 
 with Us (except for IRA and Keogh accounts) and any dividends due or 
                                         unpaid, plus any amount that exceeds Your approved Credit Limit. 
 to become due to You from Us to the extent You owe on any unpaid 
                                          
 Credit Card balance and/or unpaid Consumer Line of Credit Balance  My Choice VISA, My Choice Plus VISA, My Choice Secured VISA, My Choice 
 created through the use of Your ATM card or debit card.  Plus Secured VISA, My Preferred VISA and My Preferred Plus VISA Minimum 
                                         Payments will be an amount equal to 3.00% of Your new unpaid balance at the 
 LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for  end of each billing cycle, subject to the lesser of $25.00 or Your balance, plus 
 each Feature Category for which You are approved. Unless You are in default,  any  portion  of the  Minimum  Payments  shown  on  prior statement(s)  which 
 any Credit Limits established for You will generally be self-replenishing as You  remains unpaid, plus any amount that exceeds Your approved Credit Limit. 
 make payments.                           
                                         If You make a payment by 5:00 p.m. central time, We will consider that day to 
 You will keep Your unpaid balance within Your Credit Limit set by Us, and You  be the day of Your payment. However, if You make a payment after 5:00 p.m. 
 will pay any amount over Your Credit Limit on Our demand whether or not We  central time, We will consider that the payment was made on the next day. 
 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  You may, by separate agreement, authorize Us to charge Your payment directly 
 available during any time that any aspect of Your Account is in default.  to Your share or share draft account. 
                                          
         
  
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 LATE CHARGE (EXCEPT VISA). If Your payment is more than 10 days late,  PERIODIC STATEMENTS. On a regular basis, You will receive a statement 
 You will be charged the lesser of $13.00 or 5.00% of the payment due.  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 
 OTHER FEES AND CHARGES (EXCEPT VISA). You will be charged the  there is a debit or credit balance or when a Finance Charge is imposed. We need 
 following fees associated with the use of Your Account: (a) $30.00 for any check  not send You a statement if We feel Your Account is uncollectible or if We have 
 (or other negotiable instrument used for payment) which is returned unpaid; and  started  collection  proceedings  against  You  because  You  defaulted.  EACH 
 (b) an overdraft transfer fee FINANCE CHARGE of $5.00 for each such advance.  STATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT 
                                         UNLESS  YOU  ESTABLISH  A  BILLING  ERROR  PURSUANT  TO  THE 
 FINANCE CHARGES (EXCEPT VISA). A Finance Charge will be assessed on  FEDERAL TRUTH-IN-LENDING ACT.  
 any unpaid principal balance for each Feature Category of Your Account for the   
 period such balance is outstanding. Balances change each time advances are  OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are 
 made, payments are made or credits given under any Feature Category. The  under no obligation to honor Your Convenience Checks if: (1) by paying a 
 Finance Charge begins to accrue on the date of each advance and there is no  Convenience Check, You would exceed Your Credit Limit; (2) Your Cards or 
 grace period.                           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, 
 HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA). For all  as a result, any other Convenience Check is returned unpaid, We are not 
 Feature  Categories  (except  VISA),  the  Finance  Charge  is  determined  by  responsible for any resulting loss or liability. 
 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  DEFAULT. You will be in default if: (a) You do not make any payment or perform 
 is the balance each day after payments, credits, and unpaid Finance Charges to  any obligation under this Agreement, or any other agreement that You may have 
 that balance have been subtracted and any new advances or other charges have  with Us; or (b) You should die, become involved in any insolvency, receivership 
 been added to Your unpaid balance. These daily Finance Charges are then  or custodial proceeding brought by or against You; or (c) You have made a false 
 added together and the sum is the amount of the Finance Charge owed for the  or misleading statement in Your credit application and/or in Your representations 
 Feature Category being accounted for. The total Finance Charge You owe on  to Us while You owe money on Your Account; or (d) A judgment or tax lien should 
 Your Account for each billing cycle is the sum of all the Finance Charges due for  be filed against You or any attachment or garnishment should be issued against 
 all applicable Feature Categories.      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, 
 VISA FINANCE CHARGES. In the case of any transactions under Your My  in good faith, believe Your ability to repay Your indebtedness hereunder is or 
 Choice VISA or My Preferred VISA Feature Categories, the balances subject  soon will be impaired, time being of the very essence. 
 to the periodic Finance Charge are the average daily transactions balances   
 outstanding during the month (including new transactions). To get the average  Upon any occurrence of default, We may, to the extent permitted by law, cancel 
 daily  balance,  We  take  the  beginning  balance  each  day,  add  any  new  Your rights under this Agreement, require the return of all access devices and 
 purchases, balance transfers, cash advances, debit  adjustments or other  declare  the  entire  balance  of  every  Feature  Category  of  Your  Account 
 charges and subtract any payments, credits and unpaid Finance Charges.  immediately due and payable, without prior notice or demand.  
 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 in the billing cycle. The  COLLECTION COSTS. In the event collection efforts are required to obtain 
 Finance Charge for a billing cycle is computed by multiplying the average daily  payment on this Account, to the extent permitted by law, You agree to pay 
 balance subject to a Finance Charge by the Daily Periodic Rate times the  all  court  costs,  private  process  server  fees,  investigation  fees  or  other 
 number of days in the billing cycle.    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 
 You can avoid Finance Charges on purchases by paying the full amount of the  any Collateral. 
 entire balance owed each month within 25 days of Your statement closing date.   
 Otherwise, the new balance of purchases, and subsequent purchases from the  ENFORCEMENT. We do not lose Our rights under this or any related agreement 
 date they are posted to Your Account, will be subject to a Finance Charge. Cash  if We delay enforcing them. We can accept late payments, partial payments or 
 advances and balance transfers are always subject to a Finance Charge from  any other payments, even if they are marked "paid in full" without losing any of 
 the later of the date they are posted to Your Account or from the first day of the  Our rights under this Agreement. If any provision of this or any related agreement 
 billing cycle in which the transaction is posted to Your Account.  is determined to be unenforceable or invalid, all other provisions remain in full 
                                         force and effect. 
 VISA VARIABLE RATE. Advances are subject to a Variable Rate which is   
 based on the highest Prime Rate as published in the Money Rates Section of  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You 
 The Wall Street Journal in effect on the last day of each calendar month  move or otherwise have a change of address. 
 ("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 1st  CHANGE IN TERMS. We may change the terms of this Agreement by mailing 
 day of the billing cycle that immediately follows any such change in the Index.  or delivering to You written notice of the changes as prescribed by the Federal 
 Increases or decreases in the Interest Rate will result in like increases or  Truth-In-Lending Act. To the extent permitted by law, the right to change the 
 decreases  in  the  Finance  Charge  and  may  affect  the  number  of  Your  terms of this Agreement includes, but is not limited to, the right to change the 
 scheduled payments. Your Interest Rate will never be greater than 18.00%  periodic rate applicable to Your unpaid balance and/or future advances. 
 and  will  apply  to  the  remaining  principal  balance.  If  the  Index  becomes   
 unavailable, We may select another Index and Margin which would result in a  INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional 
 substantially similar Interest Rate.    Disclosure - Federal Truth-In-Lending Act," which is delivered together with 
                                         this Agreement or at a later date becomes an integrated part of this Agreement 
 VISA PENALTY RATE. If Your VISA Feature Category is more than 60 days past  And Disclosure. 
 due, subject to applicable law, the Daily Periodic Rate applicable to Your entire   
 balance of transactions existing at that time will become fixed and increase to  CONSENT  TO  AGREEMENT. You  acknowledge  receipt  of  a  copy  of  this 
 0.049315% (corresponding ANNUAL PERCENTAGE RATE 18.00%). During the  Agreement. By signing the application; or by using Your Account or any Account 
 six month period following such an increase, if We receive the first six consecutive  access device; or by authorizing another to use Your Account, You agree to and 
 required minimum periodic payments when due, the rate applicable to the balance  accept its terms. 
 of transactions that occurred prior to such increase will be returned to the standard   
 rate that would have otherwise been in effect.  UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide 
                                         facts to update information contained in Your original Account application or 
 OVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or  other financial information related to You, at Our request. You also agree that 
 in such increments as We may from time to time determine) to Your share draft  We may, from time to time, as We deem necessary, make inquiries pertaining 
 account by an advance on Your Account, subject to this provision, to clear any  to Your employment, credit standing and financial responsibility in accordance 
 overdraft on Your share draft account. Whether or not such transfers occur will  with applicable laws and regulations. You further agree that We may give 
 be controlled by this Agreement. In any event, You hold Us harmless for any and  information about the status and payment history of Your Account to consumer 
 all liability which might otherwise arise if the transfer does not occur. Overdraft  credit reporting agencies, a prospective employer or insurer, or a state or 
 protection automatically ceases if this Agreement is ever cancelled or terminated  federal licensing agency having any apparent legitimate business need for 
 or Your Account is in default.          such information.  
                                          
           
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 TERMINATION. Either You or We may cancel Your Account or any particular  balance transfer fee FINANCE CHARGE in an amount equal to the greater of 
 Feature Category of Your Account, at any time, whether or not You are in default.  4.00% of each such balance transfer or $10.00. 
 You will, in any case, remain liable to pay any unpaid balances according to the   
 terms of Your Account.                  LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit 
                                         Cards or Convenience Checks, You will immediately call Us during regular 
 GOVERNING LAW. This Agreement is controlled and governed by the laws of  business hours at the telephone number shown in this Agreement, and after 
 the State of Indiana, except to the extent that such laws are inconsistent with  hours, on weekends and holidays at (855) 887-3938. You may also report lost 
 controlling federal law.                or stolen Credit Cards or Convenience Checks by writing to Us at the address 
                                         shown in this Agreement. 
         SPECIFIC TERMS APPLICABLE TO YOUR   
   MY CHOICE VISA, MY CHOICE PLUS VISA, MY CHOICE SECURED  CREDITS. If a merchant who honors Your Card gives You credit for returns or 
   VISA, MY CHOICE PLUS SECURED VISA, MY PREFERRED VISA  adjustments, they will do so by sending Us a slip which will be posted to Your 
       AND MY PREFERRED PLUS VISA CREDIT CARDS  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 
 USE OF YOUR CARD. You may use Your Card to buy goods and services  or more refund it on Your written request or automatically deposit it to Your Share 
 in any place that it is honored and to get cash advances at participating  Account after six months.   
 financial institutions. You agree not to use Your Card for illegal transactions   
 including, but not limited to, advances made for the purpose of gambling  Your Billing Rights: Keep this Document for Future Use 
 and/or wagering where such practices are in violation of applicable state   
 and/or federal law.                     This notice tells You about Your rights and Our responsibilities under the 
                                         Fair Credit Billing Act. 
 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  What To Do If You Find A Mistake On Your Statement 
 use immediately upon Our request.                            
                                         If You think there is an error on Your statement, write to Us at Our address shown 
 ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon  in this Agreement. In Your letter, give Us the following information: 
 Your request, a Personal Identification Number (PIN) for use with participating   
 Automated Teller Machines (ATMs). This PIN is confidential and should not be  ?  Account information: Your name and Account number. 
 disclosed to anyone. You may use Your PIN to access Your Account and all sums  ?  Dollar amount: The dollar amount of the suspected error. 
 advanced will be added to Your Account balance. In the event a use of Your PIN  ?  Description  of  problem:  If  You  think  there  is  an  error  on  Your  bill, 
 constitutes  an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your    describe what You believe is wrong and why You believe it is a mistake. 
 Electronic Fund Transfer Agreement may also affect Your rights.    
                                         You must contact Us: 
 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  ?  Within 60 days after the error appeared on Your statement. 
 Agreement is the contract which solely applies to all transactions involving   ?   At least three business days before an automated payment is scheduled, if 
 the Card.                                   You want to stop payment on the amount You think is wrong. 
                                          
 UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.  You must notify Us of any potential errors in writing. You may call Us, but if You 
 You will not be liable for the unauthorized use that occurs after You notify Us of the  do We are not required to investigate any potential errors and You may have to 
 loss, theft, or possible unauthorized use by calling Us during regular business  pay the amount in question. 
 hours at the telephone number shown in this Agreement, and after hours, on   
 weekends and holidays at (855)887-3938. You may also notify Us of the loss, theft,  What Will Happen After We Receive Your Letter 
 or possible unauthorized use by writing to Us at the address shown in this   
 Agreement. In any case, Your liability will not exceed $50.00.  When We receive Your letter, We must do two things: 
                                          
 REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not  1)  Within  30  days  of  receiving  Your  letter, We  must  tell  You  that  We 
 liable for the refusal or inability of merchants, financial institutions and others to    received Your letter. We will also tell You if We have already corrected 
 accept the Cards or Convenience Checks, or electronic terminals to honor the    the error. 
 Cards or complete a Card withdrawal, or for their retention of the Cards or  2)  Within 90 days of receiving Your letter, We must either correct the error 
 Convenience Checks.                         or explain to You why We believe the bill is correct. 
                                          
 FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and  While We investigate whether or not there has been an error: 
 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  ?  We  cannot  try  to  collect  the  amount  in  question,  or  report  You  as 
 of  rates  available  in  wholesale currency  markets  for  the  applicable  central    delinquent on that amount. 
 processing date, which rate may vary from the rate VISA itself receives; or (b)  ?  The charge in question may remain on Your statement, and We may 
 the government-mandated rate in effect for the applicable central processing    continue to charge You interest on that amount. 
 date. For transactions that are initiated in a foreign currency, You will be charged  ?  While  You  do  not  have  to  pay  the  amount  in  question,  You  are 
 1.00% of the final settlement amount.  For transactions occurring in foreign    responsible for the remainder of Your balance. 
 countries and initiated in U.S. Dollars, You will be charged 1.00% of the final  ?  We can apply any unpaid amount against Your Credit Limit. 
 settlement amount.                       
                                         After We finish Our investigation, one of two things will happen: 
 TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant,   
 electronic terminal or financial institution at which transactions were made, but  ?  If We made a mistake: You will not have to pay the amount in question 
 sales, cash advances, credit or other slips cannot be returned with the statement.    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 
 LATE CHARGE. If Your payment is one or more days late, You will be charged    amount in question, along with applicable interest and fees. We will 
 the lesser of: (a) $25.00; or (b) the amount of the minimum payment due.    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 
 OTHER  FEES  AND  CHARGES.  You  will  be  charged  the  following  fees    amount We think You owe. 
 associated with the use of Your Card: (a) the lesser of $30.00 or the required   
 minimum payment amount for the returned payment for any check (or other  If You receive Our explanation but still believe Your bill is wrong, You must 
 negotiable instrument used for payment) which is returned unpaid; (b) a cash  write to Us within 10 days telling Us that You still refuse to pay. If You do so, 
 advance fee FINANCE CHARGE in an amount equal to the greater of 2.00% of  We cannot report You as delinquent without  also reporting that You are 
 each such advance or $10.00 � waived when obtained inside one of Our branch  questioning Your bill. We must tell You the name of anyone to whom We 
 locations; (c) an overdraft transfer fee FINANCE CHARGE of $5.00 for each  reported You as delinquent, and We must let those organizations know when 
 such advance; (d) $15.00 for each copy of a receipt that You request; and (e) a  the matter has been settled between Us. If We do not follow all of the rules 
         
  
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 above, You do not have to pay the first $50.00 of the amount You question    Your  purchase was based on an advertisement We mailed to You, or if 
 even if Your bill is correct.               We own the company that sold You the goods or services.) 
                                         2)  You must have used Your Credit Card for the purchase. Purchases 
  Your Rights If You Are Dissatisfied With Your Credit Card Purchases    made with cash advances from an ATM or with a check that accesses 
                                             Your Credit Card account do not qualify. 
 If You are dissatisfied with the goods or services that You have purchased  3)  You must not yet have fully paid for the purchase. 
 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  If all of the criteria above are met and You are still dissatisfied with the purchase, 
 remaining amount due on the purchase. To use this right, all of the following  contact Us in writing at Our address shown in this Agreement.  
 must be true:                            
                                         While We investigate, the same rules apply to the disputed amount as discussed 
 1)  The purchase must have been made in Your home state or within 100  above. After We finish Our investigation, We will tell You Our decision. At that 
    miles of Your current mailing address, and the purchase price must  point, if We think You owe an amount and You do not pay, We may report You 
    have been more than $50.00. (Note: Neither of these are necessary if  as delinquent.  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
         
  
 Copyright Oak Tree Business Systems, Inc., 2013-2020. All Rights Reserved.                          Page 6 of 6  OTBS 016YCC HFCU (2/20)