CONSUMER
CREDIT CARD
AGREEMENT
AND TRUTH IN
LENDING
DISCLOSURE

VISA TRADITIONAL/VISA PLATINUM REWARDS/
VISA SIGNATURE REWARDS +

This Consumer Credit Card Agreement and Truth in Lending Disclosure together with the Account Opening Disclosure
and any other Account opening documents or any subsequent documents provided to You related to this Account
(hereinafter collectively referred to as “Agreement”) govern the terms and conditions of this Account. “We,” “Us,” “Our” and
“Ours” and “Credit Union” refers to Corning Federal Credit Union with which this Agreement is made. “You,” “Your,” and
“Yours” refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and
anyone You authorize to use, access or service the Account. "Card" means the Visa® credit card and any other access
devices, duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit
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. You acknowledge and agree that Your pledge does not apply during any
periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a
covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were
not a covered borrower; or (ii) You cease to be a covered borrower.

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. USING YOUR ACCOUNT — By using the Account or keeping the Card, You agree to the terms of this Agreement.
You agree to use Your Account
in accordance with this Agreement. Your Account must only be used for lawful
transactions.
2. USING YOUR CARD – The Card must be signed to be used. Whether or not You sign the Card, however, You are
fully responsible for complying with all the terms of this Agreement, including the obligation to pay all balances due on
Your Account. You understand that the use of Your Card to obtain credit, in any of the ways listed below, will constitute
acknowledgement of receipt and agreement to the terms of this Agreement. You may obtain credit by use of the Card in
the following ways:

a. By making purchases of goods or services using Your Card or Your Account number wherever cards are

honored.

b. By obtaining cash advances from any financial institution that accepts the Card.
c. By obtaining cash advances through the use of the Card or Your ATM Card at automated teller machines or point

of sale facilities that permit cash advances.

© CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved

03112979-MXC30-C-1-071717 (MXC302-E)

d. By someone authorized to draw funds from Your share draft account obtaining a cash advance by making a
withdrawal
in excess of the available balance in Your share draft account (called an “overdraft”) if You have
elected and been granted either Standard Overdraft Protection or Alternative Overdraft protection as described in
the Share Draft Section of the Member Service Guide that You previously received.

e. By using Your Audio Response Personal Identification Number and a touchtone telephone, to obtain a cash
advance using Our D.A.D.® audio response system. Cash advances obtained through the audio responses
system will be disbursed by either crediting the amount to one of Your Credit Union accounts under the same
member number or sending You a check for the amount of the advance, as the Credit Union may elect.

f. By using Your connection to the Internet, member number, and Personal Identification Number to access the
Credit Union’s eBranch, and obtain a cash advance to one of Your Credit Union accounts under the same
member number.

g. By using Your Card, Card number or any convenience check or any other method to transfer a balance from an

account of another creditor to the Account subject to this Agreement.

If You wish to pay for goods or services over the Internet, You may be required to provide card number security
information before You will be permitted to complete the transaction.
3. RESPONSIBILITY FOR CARD – When the Credit Union issues a Card and/or another type of access device:

a. You are responsible for use of Your Card, and any other access device by any person authorized by You to use it.
b. You will retain a copy of any documents furnished at the time of the transaction, such as sales slips, advance
requests, other written authorizations and receipts and the confirmation screen appearing on Your computer when
using eBranch, for Your own record keeping purpose. The Credit Union is under no obligation to provide
photocopies of such documents for any reason other than in response to a billing error notice. The Credit Union
will charge You a fee for all copies ordered other than in response to a billing error notice.

c. Failure to sign a sales slip, advance request, or other written authorization does not relieve You from liability for

use of the Card or any other access device.

d. You must notify the Credit Union immediately of any change in Your name or address.
e. D.A.D.® auto response access – Each member appearing on Your share savings account, regardless of whether
his or her name appears on Your Visa application, is an authorized user with the ability to request Visa Cash
Advances through the D.A.D.® audio response system and eBranch. This includes joint members/owners
presently on Your share savings account and joint members/owners added in the future.

4. CREDIT LIMIT — We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You
exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts
due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method
acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or
terminate Your Account at any time for any reason permitted by law.
5. REPAYMENT — You promise to repay all amounts You owe under this Agreement. Your promise to repay includes
interest
all transactions made to Your Account by You or anyone You authorize to use Your Account as well as all
charges and fees.
For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.
The Minimum Payment Due is 2.00% of Your total New Balance, or $20.00, whichever is greater, plus any amount past
due and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than
$20.00, 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.
If You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your
Account has a balance (other than a credit 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. The Credit Union credits mailed
payments as of the date received, if the payment is: 1) received by 5 p.m. local time at the address shown on the payment
coupon on the front of Your statement; and 2) paid with a check drawn on a U.S. financial institution or a U.S. dollar
money order. Payments received by mail after 5 p.m. local time at the remittance address that otherwise meet the above
requirements will be credited as of the next day. The Credit Union credits payments made in-person as of the date
received, if the payment is: 1) received in-person by a Credit Union representative at a branch office during the normal
business hours of that branch; and 2) paid with a check drawn on a U.S. financial institution, a U.S. dollar money order, or
in U.S. dollars.  Credit for any other payments may be delayed up to five days.
Your payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner
the Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum
Payment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage
rate (“APR”) and any remaining portion to the other balances in descending order based on applicable APR, unless

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otherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect
without losing any of Our rights to collect the full balance of Your Account with Us.
Automatic Payment Option: You may elect to have Your Visa payment made automatically each month. By voluntarily
electing this option, You may have either Your Minimum Payment Due or Your total New Balance paid by an automatic
withdrawal from either Your share savings account or Your share draft checking account. The Credit Union will try to
make the withdrawal at the close of business on or after the Payment Due Date.
If the funds are not sufficient to pay Your
payment, the Credit Union may keep trying to make transfers of available funds each day until Your entire payment is
made; however, the Credit Union will not waive any rights to declare a default or impose a late charge by continuing to
attempt to make transfers.  You may stop the option at any time by giving the Credit Union written notice of Your decision.
6.
INTEREST AND FINANCE CHARGES — We will begin charging You interest on purchases on the date the
transaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on
the date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever
is later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or
credit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle's billing
statement by the Payment Due Date of
finance charge on the balance of
purchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.
How We Calculate Your Balance:

that statement. To avoid an additional

Interest charges on Your Account are calculated separately for purchases, balance transfers and cash advances
(“Transaction Type”). We figure the interest charge for each Transaction Type by applying the periodic rate to each
corresponding “average daily balance.” To get the “average daily balance” for a Transaction Type We take the beginning
balance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or
other finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.
Then, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the
number of days in the billing cycle. This gives Us the “average daily balance” for each Transaction Type.
7. FEES — In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your
Account,
the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this
Agreement.
8. FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from Your
Account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing
international transactions is a rate selected by Visa from a 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 the government-mandated
rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from
the rate that would have been used on the purchase date or cardholder statement posting date.
Visa Traditional, Visa Platinum Rewards - A fee (finance charge) will be charged on all transactions completed in a
foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S. dollars. These fees
are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure accompanying this
Agreement.
9. AUTHORIZATIONS — We do not guarantee authorization of a transaction, either by Us or by a third party, even if
You have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also
reserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain
transactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,
internet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no
requirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We
may suspend Your credit privileges until We can verify the activity, or We may close the Account.
10. PREAUTHORIZED CHARGES — If You default, if the Card is lost or stolen, or We change the Account for any
reason, We may suspend automatic charges with third party vendors. If preauthorized charges are suspended, You are
responsible for making direct payment for such charges until You contact the third party to reinstate the automatic
charges.
11. DEFAULT — You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment
Due Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be
processed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit
application or credit update; file for bankruptcy; die; fail to remain a member in good standing of the Credit Union due to
Your failure to maintain at least $5.00 in your share account or otherwise; someone is appointed to take charge of Your
property for creditors; You become insolvent or legally unable to handle Your affairs; any person tries to legally take any
of Your property in the Credit Union’s possession; The Credit Union honestly believes You cannot repay Your obligations
on time. You will also be in default if You fail to comply with the terms of this Agreement or any other Agreement You have
with Us.
If more than one person is liable for the amounts owed under this Agreement, an Event of Default that occurs with respect
to one of You will constitute an Event of Default for all of You.

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If You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable
law. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share
and/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts
to any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any
balance to any amounts due on Your Account.
If all amounts You owe become due and payable immediately under this paragraph, the FINANCE CHARGES will
continue to accrue as described above until all amounts are paid in full. This includes during the period after judgment
has been rendered against You for the amount due until paid in full.
12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — If You notice the loss or theft of
Your credit card or a possible unauthorized use of Your Card, You should write to Us immediately at One Credit Union
Plaza, P.O. Box 1450, Corning, NY, 14830-1050 or call Us at 607-962-3144 or 800-677-8506, seven days a week 24
hours a day.
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. You will have no liability for unauthorized use unless You are
found to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized
transactions will not exceed $50.
13. CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with
applicable law. To the extent permitted by law, changes to the Agreement may apply to Your 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 or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or
the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your
spouse owe under this Agreement, or any additional indebtedness, including any indebtedness created by the use of
share drafts or M.O.M. or CU-Extra Check Card transactions for the canceled account which Your or anyone else fails to
return to the Credit Union as required, plus FINANCE CHARGES on that indebtedness and to meet all other obligations
to the Credit Union. You may cancel this Agreement by returning all Cards issued or used under this Agreement to the
Credit Union. The Credit Union may cancel Your Overdraft Protection at any time without prior notice. You may cancel just
the provisions of this Agreement pertaining to Overdraft Protection by notifying the Credit Union. You may remove the
authority of someone else to draw funds from the share draft account to which this Agreement applies by returning all
unused share drafts and returning all previously issued ATM and CU-Extra Check Cards and terminating Your share draft
account. The Credit Union will, at Your request, open a new share draft account for You and at Your expense provide You
with share drafts for the new account and a new CU-Extra Check Card. That new account will be subject to this
Agreement unless You request in writing that it not be. Your obligation to pay the account balance plus any finance and
other charges You owe under this agreement are subject to all applicable laws and regulations regarding repayment
requirements. The Card or Cards You receive remain the property of the Credit Union and You must recover and
surrender to the Credit Union all Cards upon request or upon termination of this Agreement whether by You or the Credit
Union.
Residents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination
by You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges
You owe under this Agreement, or any additional indebtedness, including any indebtedness created by the use of share
drafts or M.O.M. or CU-Extra Check Card transactions for the canceled account which Your or anyone else fails to return
to the Credit Union as required, plus FINANCE CHARGES on that indebtedness and to meet all other obligations to the
Credit Union. You may cancel this Agreement by returning all Cards issued or used under this Agreement to the Credit
Union. The Credit Union may cancel Your Overdraft Protection at any time without prior notice. You may cancel just the
provisions of this Agreement pertaining to Overdraft Protection by notifying the Credit Union. You may remove the
authority of someone else to draw funds from the share draft account to which this Agreement applies by returning all
unused share drafts and returning all previously issued ATM and CU-Extra Check Cards and terminating Your share draft
account. The Credit Union will, at Your request, open a new share draft account for You and at Your expense provide You
with share drafts for the new account and a new CU-Extra Check Card. That new account will be subject to this
Agreement unless You request in writing that it not be. Your obligation to pay the account balance plus any finance and
other charges You owe under this agreement are subject to all applicable laws and regulations regarding repayment
requirements. The Card or Cards You receive remain the property of the Credit Union and You must recover and
surrender to the Credit Union all Cards upon request or upon termination of this Agreement whether by You or the Credit
Union.
14. CHANGE IN CIRCUMSTANCES – You must notify the Credit Union within ten (10) days after (i) You change or
terminate Your employment other than for retirement or (ii) Your income is reduced for any reason other than retirement.
Upon receipt of that notice, the Credit Union may send You a new application that will need to be completed by You and
returned to the Credit Union within fourteen (14) days. The Credit Union will evaluate Your reapplication and will notify
You of Our decision. Until such notification, Your credit limit under this Agreement will be equal to the amount of credit
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outstanding on the date Your employment changed or terminated, or Your income was reduced. The Credit Union
reserves the right to perform regular, periodic risk reviews on Your Account and to adjust Your credit limit or cancel Your
Card as the Credit Union deems appropriate.
15. AUTHORIZED USERS — Upon Your request, We may issue additional Cards for authorized users that You
designate. You must notify Us in writing of any termination of an authorized user's right to access Your Account. Your
notice must include the name of the authorized user and Your Account number and/or any subaccount number issued to
the authorized user along with the authorized user's Card and any convenience or other access checks issued to the
authorized user. If You cannot return the authorized user's Card or access checks and if You request Your Account to be
closed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,
issue You a new Account number and a new Card.
16. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION — You authorize the Credit Union to obtain credit
reports and any other information We may need to verify Your identity and use of the Account when opening Your
Account and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit
Union to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit
standing. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other
defaults on Your Account may be reflected on Your credit report. If Your Account is eligible for emergency cash and/or
emergency card replacement services, and You request such services, You agree that we may provide personal
information about You and Your Account that is necessary to provide You with the requested service.
17. ADDRESS ON MONTHLY STATEMENT – Your monthly statement will be addressed to all the persons’ names under
the same member number as this Agreement, even if they are not a co-applicant on the Visa Account. However, that fact
does not change the terms of this Agreement. We will only mail the periodic statement to one address. Notice to any one
of You will be considered notice to all. To the extent permitted by law, if We deem Your Account uncollectible, or if We
institute delinquency collection proceedings by sending it to an outside collection agency or attorney, We may, in Our sole
discretion stop sending You monthly statements. However, finance charges and fees will continue to accrue whether or
not We send You monthly statements.
18. JOINT ACCOUNTS — If this is a joint Account, each of You will be individually and jointly responsible for paying all
amounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay
the entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account
individually. Any one of You may terminate the Account and the termination will be effective as to all of You. The Credit
Union does not have to notify You if debts are not paid. We can change the terms of this Agreement with the any owner
without notifying the You and without releasing You from responsibility.
19. EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on Your Account even
though the sales, cash advances, credit or other slips You sign or receive may contain different terms.
20. SEVERABILITY AND FINAL EXPRESSION — This Agreement is the final expression of the terms and conditions of
Your Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any
part of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and
fully enforceable to the fullest extent possible under this Agreement.
21. ILLEGAL TRANSACTIONS PROHIBITED — You agree that You will not use Your Card for any transaction, including
any type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.
Even if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in
connection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is
illegal.
22. APPLICABLE LAW — The terms and enforcement of this Agreement shall be governed by federal law and the law of
New York.
23. ENFORCING THIS AGREEMENT — We can delay in enforcing or fail to enforce any of Our rights under this
Agreement without losing them.
24. COLLECTION COSTS — If We refer collection of Your Account to a lawyer who is not Our salaried employee, You
are liable for any reasonable attorney’s fees We incur, plus the costs and expenses of any legal action, as further
disclosed on this Agreement, or to the extent allowed by law.
25. ASSIGNMENT — We may assign any or all of Our rights and obligations under this Agreement to a third party.
26. OVERDRAFT PRIVILEGE — You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft
Account, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding
balance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in “INTEREST AND
FINANCE CHARGES” as described for cash advances, and will be subject to all terms and conditions of this Agreement.
The Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft
Account. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at
the Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a

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separate agreement between You and the Credit Union. Where the terms of any other agreement between You and the
Credit Union conflict with the terms of this Agreement, the terms of this Agreement will control.
27. CALIFORNIA RESIDENTS — A married applicant may apply for a separate Account. Applicants: 1) may, after credit
approval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any
joint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record
may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.
28. FLORIDA RESIDENTS — You (borrower) agree that, should We obtain a judgment against You, a portion of
Your disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida
and Federal law.
29. 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.
30. MISSOURI RESIDENTS — Oral Agreements or commitments to loan money, extend credit or to forbear from
enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect
You (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach
covering such matters are contained in this writing, which is the complete and exclusive statement of the
Agreement between Us, except as We may later agree in writing to modify it.
31. NEW YORK RESIDENTS — We may obtain a credit report in connection with this Account, including for any review,
modification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such
report was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York
the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a
residents may contact
comparative listing of credit card rates, fees and grace periods.
32. OHIO RESIDENTS — The Ohio laws against discrimination require that all creditors make credit equally available to
all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon
request. The Ohio Civil Rights Commission administers compliance with this law.
33. SOUTH DAKOTA RESIDENTS — If You believe there have been any improprieties in making this loan or in the
lender’s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,
SD 57501, or by phone at 605.773.3421.
34. WISCONSIN RESIDENTS — If You are married, please contact Us immediately upon receipt of this Agreement at the
address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are
required to inform Your spouse that We have opened an Account for You.
35. NOTICE TO UTAH BORROWERS — This written Agreement is a final expression of the Agreement between You
and the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by
law, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit
reporting agency if You fail to fulfill the terms of Your credit obligations.
36. THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE ON
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.

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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 the address listed on Your statement.
In Your letter, give Us the following information:

- Account information: Your name and Account number.
- Dollar amount: The dollar amount of the suspected error.
- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You

believe it is a mistake.

You must contact Us:

- Within 60 days after the error appeared on Your statement.
- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount

You think is wrong.

You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required
to investigate any potential errors and You may have to pay the amount in question.
What Will Happen After We Receive Your Letter

When We receive Your letter, We must do two things:

1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have

already corrected the error.

2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is

correct.

While We investigate whether or not there has been an error:

- We cannot try to collect the amount in question, or report You as delinquent on that amount.
- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.
- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.
- We can apply any unpaid amount against Your credit limit.
After We finish Our investigation, one of two things will happen:

-

-

If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that
amount.
If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable
interest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then
report You as delinquent if You do not pay the amount We think You owe.

If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You
still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your
bill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations
know when the matter has been settled between Us.
If We do not follow all of the rules above, You do not have to pay the first $50 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. (Note: Neither of these are necessary if Your purchase was based on
an advertisement We mailed to You, or if We own the company that sold You the goods or services.)

2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a

check that accesses Your credit card Account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at
the address listed on Your statement.
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.

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