be refunded upon your written request or automatically after six months.

17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer
additional services to your account, such as travel accident insurance, at no additional cost to you. You
understand that the Credit Union is not obligated to offer such services and may withdraw or change
them at any time.

18. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or
nancial institution to honor your card. The Credit Union is subject to claims and defenses (other than tort
claims) arising out of goods or services you purchase with the card if you have made a good faith attempt

but have been unable to obtain satisfaction from the merchant or service provider, and (a) your purchase
was made in response to an advertisement the Credit Union sent or participated in sending to you; or (b)
your purchase cost more than $50.00 and was made in your state or within 100 miles of your home.

19. 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 purchases or cash advances individually. Any one of you may terminate the account and
the termination will be effective as to all of you.

20. 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.

21. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without
losing them.

22. STATEMENTS AND NOTICES — Statements and notices will be mailed or delivered to you at the
appropriate address you have given the Credit Union. Notice sent to any one of you will be considered
notice to all. 

23. SEVERABILITY AND FINAL EXPRESSION — This Agreement and the Disclosure are the nal
expression of the terms and conditions of your account. This written Agreement and Disclosure may not
be contradicted by evidence of any alleged oral agreement. Should any part of this Agreement or the
Disclosure be found to be invalid or unenforceable, all other parts of this Agreement and Disclosure shall
remain in effect and fully enforceable to the fullest extent possible under this Agreement.

24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and
Disclosure.

25. GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of
gambling transaction.

26. PENALTY RATE DISCLOSURES — If applicable to your account, all rates for your account, including
the rates for purchases, cash advances, and balance transfers, will increase to the Penalty Rate when you
meet one or more of the conditions as set forth in the Disclosure accompanying this Agreement. Any rate
increases applied to your account are subject to applicable notice requirements. Please refer to the
Disclosure for additional information regarding the Penalty Rate.

27. NOTICE TO UTAH BORROWERS — This written agreement is a nal expression of the agreement
between you and the Credit Union. This written agreement may not be contradicted by evidence of any
oral agreement.

28. 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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