�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00904672-MXC10-C-1-050621 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
EGLIN PLATINUM MASTERCARD
EGLIN PLATINUM REWARDS MASTERCARD
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesEglin Platinum Mastercard
 to ,based on your creditworthiness.
Eglin Platinum Rewards Mastercard
 to ,based on your creditworthiness.
APR for Balance Transfers Eglin Platinum Mastercard
 to ,based on your creditworthiness.
Eglin Platinum Rewards Mastercard
 to ,based on your creditworthiness.
APR for Cash Advances Eglin Platinum Mastercard
to ,based on your creditworthiness.
Eglin Platinum Rewards Mastercard
to ,based on your creditworthiness.
Penalty APR and When it Applies Eglin Platinum Mastercard
Eglin Platinum Rewards Mastercard
How to Avoid Paying Interest on
PurchasesYour due date is at least 24 days after the close of each billing cycle. We will
not charge you any interest on purchases if you pay your entire balance by
the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the
Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a
credit card, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
- Annual Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
-International Transaction Fee None
Penalty Fees
- Late Payment Fee Up to $20.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee Up to $28.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00904672-MXC10-C-1-050621 (MXC102-E)Effective Date:
The information about the costs of the card described in this application is accurate as of :
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
The APR isdetermined ataccount opening and isbased ontheapplicant�s credit score. Eglin Federal Credit Union
reserves the right to change fees and APR after giving you any advance notice required by law.
ForCalifornia Borrowers, theEglin Platinum Mastercard and Eglin Platinum Rewards Mastercard aresecured
credit cards. Credit extended under this credit card account issecured byvarious personal property and money
including, butnotlimited to:(a)any goods you purchase with this account, (b)any shares you specifically
pledge ascollateral forthis account onaseparate Pledge ofShares, (c)allshares you have inanyindividual or
joint account with theCredit Union excluding shares inanIndividual Retirement Account orinanyother account
that would lose special taxtreatment under state orfederal law, and (d)collateral securing other loans you have
with the Credit Union excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee :
$20.00 ortheamount oftherequired minimum payment, whichever isless, ifyouare12ormore days lateinmaking a
payment.
Returned Payment Fee :
$28.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee :
$5.00 .
Document Copy Fee :
$1.00  per page .
Rush Fee :
$35.00 plus shipping charges .
Statement Copy Fee :
$1.00  per page .
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. �CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 , 16 All Rights Reserved 00904672-MXC30-C-1-052621 (MXC304-E)
CONSUMER
CREDIT CARD
AGREEMENT
AND
DISCLOSURE
EGLIN PLATINUM MASTERCARD
EGLIN PLATINUM REWARDS MASTERCARD
This Consumer Credit Card Agreement andDisclosure together with theCredit Card Account Opening Disclosure and
anyother Account opening documents oranysubsequent documents provided toYou related tothisAccount (hereinafter
collectively referred toas�Agreement �)govern theterms andconditions ofthisAccount .�We,� �Us,� �Our� and�Ours� and
�Credit Union� refers toEglin Federal Credit Union withwhich thisAgreement ismade. �You,� �Your ,�and�Yours �refers to
each applicant and co-applicant fortheAccount ;any person responsible forpaying theAccount; and anyone You
authorize touse, access orservice theAccount. "Card" means theMastercard �credit card and any other access
devices, duplicates, renewals, orsubstitutions ,theCredit Union issues toYou. "Account "means theline ofcredit
established by this Agreement and includes Your Card. Finance charges include interest charges.
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 d eposits in an IRA or any other a ccount 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.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.
2.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.
3.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.
TheMinimum Payment Due is2.00% ofYourtotal New Balance, or$25.00 ,whichever isgreater, plus anyamount past
dueandanyamount bywhich You have exceeded Yourapplicable 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 B alance in full. Page 2 of6
00904672-MXC30-C-1-052621 (MXC304-E)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 U s.
4.INTEREST AND FINANCE CHARGES �
Purchases -Wewillbegin charging You interest onpurchases onthedate thetransaction isposted toYour Account.
However, Wewillnotcharge You anyinterest onnew purchases ifYour Account had azero orcredit balance atthe
beginning ofthatbilling cycle, orYoupaid theentire new balance ontheprevious cycle�s billing statement bythePayment
Due Date ofthat statement. Toavoid paying additional finance charges, You must pay theentire new balance of
purchases by the Payment Due Date on each cycle�s billing statement.
Cash Advances and Balance Transfers -There isnograce period. Wewillbegin charging You interest oncash
advances andbalance transfers onthedate ofthetransaction orthefirstdayofthebilling cycle inwhich thetransaction is
posted toYour Account, whichever islater. You willcontinue toaccrue interest oncash advances andbalance transfers
through thedate ofpayment. The interest accrued isnotreflected inthecycle�s billing statement inwhich thecash
advance orbalance transfer ismade, butitisreflected inthenext cycle�s billing statement. IfYou would liketopayYour
cash advance orbalance transfer balance andanyinterest thathasaccrued onthecash advance orbalance transfer,
You may contact Us for a payoff amount.
How We Calculate Your Average Daily 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.
5.FEES �Inaddition totheperiodic rate, additional fees may beimposed onYour Account. Ifapplicable toYour
Account, thefeeamounts and explanations aredisclosed ontheAccount Opening Disclosure accompanying this
Agreement.
6.INTERNATIONAL TRANSACTIONS �Purchases and cash advances made inforeign currencies willbedebited
from Your Account inU.S. dollars. The exchange rate used toconvert foreign currency transactions toU.S. dollars is
based onrates observed inthewholesale market orgovernment-mandated rates, where applicable. The currency
conversion rate Mastercard uses foraparticular transaction istherate fortheapplicable currency onthedate the
transaction occurs. However, inlimited situations, particularly where transaction submissions toMastercard forprocessing
aredelayed, thecurrency conversion rate Mastercard uses may betherate fortheapplicable currency onthedate the
transaction is processed.
7.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 .
8.INFORMATION UPDATING SERVICE AND AUTHORIZATIONS �IfYouhave authorized amerchant tobillcharges
toYour Card onarecurring orasrequested basis, itisYour responsibility tonotify themerchant intheevent Your Card is
replaced, 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 orcard-on-file
charges toYour Card. You authorize Ustoapply such recurring orcard-on-file charges toYour Card until You notify Us
that You have revoked authorization for the charges 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 orcard-on-file charges. Updates arenotguaranteed before Your next payment toamerchant isdue. You are
responsible formaking direct payment until recurring orcard-on-file charges resume .Torevoke Your authorization
allowing Us to provide updated Account information to a merchant, please contact Us. Page 3 of6
00904672-MXC30-C-1-052621 (MXC304-E)9.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.
10.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 or any other agreement You have with Us.
IfYou default, Wemay close Your Account andrequire You topayanyunpaid balance immediately, subject toapplicable
law. Wecandemand immediate payment (acceleration) oftheentire unpaid balance under thisAgreement without giving
You advance notice. Unless, otherwise prohibited bylaw, anyjudgment entered ontheamount owed byYou willaccrue
post-judgment interest attherateofthelower of18.00% perannum orthemaximum rate ofinterest allowed bylaw
beginning on the date of the judgment until the debt is paid.
InthisAgreement and onYour Credit Card Application, You gave Usasecurity interest inallindividual orjoint share
and/or deposit accounts withtheCredit Union andauthorized Us,ifYoudefaulted, 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.
Wemay also exercise anyother rights given bylawwhen You areindefault. Unless You areaCovered Borrower
under theMilitary Lending Act, You waive anyright You have toreceive demand forpayment, notice ofintent to
demand immediate payment (accelerate) and notice of demand for immediate payment  (acceleration) .
11.LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION �IfYou notice theloss ortheft of
Your credit card orapossible unauthorized useofYour Card,You should write toUsimmediately atEglin Federal Credit
Union ,838Eglin Pkwy NE,Fort Walton Beach ,FL,32547 orcallUsat850-862-0111 or800-367-6159 ,seven days a
week  24 hours a day .
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.
12.CHANGING ORTERMINATING TERMS INYOUR AGREEMENT �Aspermitted bylaw, theCredit Union may
change theterms ofthisAgreement andanyattached Disclosure from time totime. Notice ofanychange willbegiven in
accordance with applicable law. Totheextent permitted bylaw, changes totheAgreement may apply toYour existing
account balance aswell astofuture transactions .You areresponsible forkeeping Your address, phone numbers, and
email uptodate andcurrent with Us.Wewillattempt tocommunicate with You only byuseofthemost recent contact
information You have provided.
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.
13.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 Card. IfYou cannot return theauthorized user's Card and ifYou
request Your Account tobeclosed, Wewillclose Your Account andYou may apply foranew Account. Alternatively, We
may, at Our sole discretion, issue You a new Account number and a new Card.
14.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 . Page 4 of6
00904672-MXC30-C-1-052621 (MXC304-E)15.JOINT ACCOUNT S�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.
16.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.
17.SEVERABILITY AND FINAL EXPRESSION �This Agreement isthefinal expression oftheterms andconditions of
Your Account. This written Agreement may notbecontradicted byevidence ofanyalleged oralAgreement. Should any
partofthisAgreement befound tobeinvalid orunenforceable then such parts shall beseverable, andallother parts of
thisAgreement shall remain ineffect andfully enforceable tothefullest extent possible under thisAgreement. Any term
orprovision herein that isprohibited bytheMilitary Lending Actshall notapply toYou ifYou areacovered
borrower under theMilitary Lending Act, inwhich case such provisions shall bedeemed severed from this
Agreement, including without limitation paragraph 22.Forclarity, You willnotbedeemed acovered borrower,
and such terms and provisions willapply, if:(i)You established Your credit card Account when You were nota
covered borrower; or (ii) You cease to be a covered borrower.
18.ILLEGAL TRANSACTIONS PROHIBITED �Youagree thatYouwillnotuseYour Card foranytransaction, including
anytype of electronic gambling tr ansaction 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.
19.VOLUNTARY PAYMENT PROTECTION �Wemay offer Voluntary Payment Protection toYou. Voluntary Payment
Protection isnotnecessary toobtain credit. IfYou purchase Voluntary Payment Protection from us,You authorize usto
addthefees orinsurance charges monthly toYour loan balance andcharge You interest ontheentire balance. Atour
option wewillchange Your payment ortheperiod oftime necessary torepay theloan balance. The rate used to
determine thefees orinsurance charges may change inthefuture. Iftherate changes, wewillprovide any notices
required by applicable law.
20.CHOICE OFLAW AND CHOICE OFFORUM �Unless prohibited bylaw, suits orclaims arising outofthis
Agreement, oroutofanyaspect ofOurbusiness relationship, shall only bebrought instate court inOkaloosa County,
Florida, orifFederal Court, then intheUnited States District Court, Northern District ofFlorida andinanysuitorclaim in
state orfederal court, Florida lawwillapply. Theterms andenforcement ofthisAgreement shall begoverned byfederal
law and the laws of Florida.
21.PLACE OFMAKING AGREEMENT �Unless prohibited bylaw, thisAgreement willbedeemed tohave been
executed byYou atOurhome office inOkaloosa County, Florida. Advances under thisAgreement may bedisbursed in
other states orplaces solely forYour convenience, butallsuch advances, whether ornotsecured, willbedeemed tohave
been made at Our home office in Okaloosa County, Florida.
22.CLASS ACTION AND JURY TRIAL WAIVER �Unless prohibited bylaw, inanyaction orproceeding arising outof
orrelating tothisAgreement orany document oragreement delivered, orwhich may inthefuture bedelivered, in
connection herewith anyother action orclaim byoragainst Eglin Federal Credit Union ofanykind, each Borrower hereby
knowingly, intentionally andvoluntarily waives: 1)anyright toparticipate inanyclass action, whether asamember ofthe
class or class representative; and 2) any right to trial by jury.
23.ENFORCING THIS AGREEMENT �Wecan delay inenforcing orfailtoenforce any ofOur rights under this
Agreement  without losing them.
24.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.
25.ASSIGNMENT �We may assign any or all of Our rights and obligations under this Agreement  to a third party.
26.OVERDRAFT PRIVILEGE �IfYou have signed aseparate Overdraft Protection Authorization linking Your
Mastercard toYour Credit Union Share Checking Account, then You agree thatanamount ofanoverdraft may beadded
totheoutstanding balance onYour Mastercard Credit Card Account, subject tothefinance charge provisions setforth in
�INTEREST AND FINANCE CHARGES� asdescribed forcash advances, andwillbesubject toallterms andconditions of
thisAgreement. TheMastercard Credit Card Account must becurrent andnotover thecredit limit forfunds totransfer to
theShare Checking Account. Overdrafts arenotallowed forthepurpose ofmaking loan payments, including Mastercard
Credit Card payments, attheCredit Union, ATM orin-branch teller cash withdrawals. The Share Checking Account
referred toherein isalso subject toaseparate agreement between You andtheCredit Union. Where theterms ofany
other agreement between YouandtheCredit Union conflict withtheterms ofthisAgreement, theterms ofthisAgreement
will control .
27.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 Page 5 of6
00904672-MXC30-C-1-052621 (MXC304-E)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.
28.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.
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 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.
31.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.
32.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.
33.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.
34.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 a n Account for You.
35.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.
36.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.
X X
Date Date Page 6 of6
00904672-MXC30-C-1-052621 (MXC304-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 thin k is wrong.
You must notify Usofanypotential errors inwriting .You may callUs,butifYoudoWearenotrequired toinvestigate
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 ifYourbill
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, Youmay 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 with thepurchase, contact Usinwriting attheaddress
listed on Your statement.
While Weinvestigate, thesame rules apply tothedisputed amount asdiscussed above. After Wefinish Ourinvestigation,
WewilltellYouOurdecision. Atthatpoint, ifWethink Youowe anamount andYoudonotpay, Wemay report Youas
delinquent.