7/9/2019                    Agreements and Disclosures|OMNI Community Credit Union
       OMNI Community Credit
       Union                          AGREEMENTS AND DISCLOSURES
       P.O.Box 1537 
       Battle Creek,MI 49016 
       (269)441-
       1400�(866)OMNI-WOW
      THESE AGREEMENTS AND DISCLOSURES CONTAIN IMPORTANT MEMBERSHIP INFORMATION,NECESSARY
      TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES,ELECTRONIC SERVICES AGREEMENT AND DISCLOSURES,FUNDS
      AVAILABILITY POLICY,SUBSTITUTE SHARE DRAFTS AND YOUR RIGHTS,WIRE TRANSFER AGREEMENT AND
      PRIVACY POLICY DISCLOSURE AND INSTRUCTIONS.PLEASE BE CERTAIN TO READ THESE AGREEMENTS AND
      DISCLOSURES CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
      Throughout these Agreements and Disclosures,the references to"We,""Us,""Our"and"Credit Union"mean OMNI
      COMMUNITY CREDIT UNION.The words"You"and"Your"mean each person applying for and/or using any of the
      services described herein."Account"means any account or accounts established for You as set forth in these
      Agreements and Disclosures.The word"Card"means any ATM Card,MasterCard Debit Card or HSA Debit Card
      issued to You by Us and any duplicates or renewals We may issue.Our Audio Response System is hereinafter
      referred to as"iTalk,"whereas Our Personal Computer Account Access System is hereinafter referred to
      as"Internet Banking,"Our Internet Mobile Deposit System is hereinafter referred to as"Mobile Deposit.""E-
      Check"means any check which You authorize the payee to process electronically.For joint accounts,read singular
      pronouns in the plural.
                           OMNI COMMUNITY CREDIT UNION MEMBERSHIP
      To apply for membership with OMNI Community Credit Union,You must complete,sign and return an application
      for membership.
      Your signature on Your application for membership informs the Credit Union that You would like to join the Credit
      Union and that You agree to conform to the Credit Union's Bylaws and Amendments.
      Credit Union membership is granted to applicants within OMNI Community Credit Union's common bond as
      outlined in the Credit Union's Charter.
      Eligibility also includes spouses of persons who died while within the field of membership; Credit Union
      employees; persons retired as pensioners or annuitants from organizations
      within the Credit Union's common bond;and organizations of such persons.By signing Your application for
      membership,You acknowledge receipt of these Agreements and Disclosures,including the terms and conditions
      which apply to Your Accounts.
                                    FAMILY MEMBERSHIP
      Credit Union members in good standing and whose status is currently within the Credit Union's common bond may
      sponsor immediate family members and possibly other members of Your household for Credit Union membership.
      Eligible family members may include for instance: father, mother, brother, sister, son, daughter, grandmother,
      grandfather and spouse (which may include anyone living in Your residence that You maintain a single economic
      unit with).
                                   ACCOUNT AGREEMENT
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      YOU AGREE AND ACKNOWLEDGE THAT THIS AGREEMENT CONTROLS YOUR ACCOUNT(S) WITH OMNI
      COMMUNITY CREDIT UNION, TOGETHER WITH ANY OTHER RELATED DOCUMENT SUCH AS OUR FUNDS
      AVAILABILITY POLICY AND ELECTRONIC FUND TRANSFER AGREEMENT AND/OR AGREEMENTS AND
      DISCLOSURES, ALL OF WHICH, TO THE EXTENT APPLICABLE, ARE INCORPORATED INTO THIS AGREEMENT BY
      REFERENCE.
                                   ACCOUNT OWNERSHIP
      JOINT ACCOUNTS.If Your Account is owned jointly, then all funds on deposit are owned by any of the joint Owners
      with right of survivorship. Your ownership interest cannot be changed, except upon Your death, without Your prior
      written consent. The joint Owners of the Accounts hereby agree with each other and with Us that all sums,
      whenever paid into the Accounts by any or all of the joint Owners to the credit of the joint Owners with all
      accumulations thereon, are and shall be owned by them jointly, with right of survivorship and be subject to the
      withdrawal or receipt of any of them, and payment to any of them or the survivor or survivors shall be valid and
      discharge Us from any liability for such payment. You authorize Us to recognize any of the signatures subscribed
      in Your application for membership for the payment of funds or the transaction of any business for the Accounts.
      We can release or pay any amount on deposit in Your Account to any Owner. We can honor checks, withdrawals,
      orders or requests from any Owner. All Owners are liable to Us for any overdrafts that may occur on Your Account,
      regardless of whether or not a benefit occurred and checks cashed against any Account are subject to
      collectability from such Account if returned unpaid. Any Owner may provide Us written notice to freeze funds on
      deposit and We may, at Our option, honor such written request. If We do, then the Account will remain frozen until
      We receive subsequent written notice signed by all Owners of the Account as to a disposition of funds on deposit.
      Any or all of the joint owners may pledge all or any part of the shares in the Accounts as collateral security to a
      loan or loans and any funds on deposit may be utilized to satisfy any debt or garnishment of any Owner of the
      Account. The right or authority of the Credit Union under these Agreements And Disclosures shall not be changed
      or terminated by said owners or any of them except by written notice to Us, which shall not affect transactions
      made prior to such notice. It is the responsibility of joint account Owners to determine any legal effects of opening
      and maintaining a joint account.
      CUSTODIAL ACCOUNTS.Any custodial Account is subject to the Michigan Uniform Transfers To Minors Act and it is
      Your responsibility to determine any legal effects related to this type of Account. You understand and agree that
      the gift of money to the minor named at the time You open such Account includes all dividends thereon and any
      future additions thereto, is irrevocable and is made in accordance with and is to include all provisions of the
      Michigan Uniform Transfers To Minors Act as it is now or hereafter amended. The age of delivery to custodian FBO
      minor shall be upon the age of 18 unless otherwise specified by the custodian under the Michigan Uniform
      Transfers to Minors Act.
      PAYABLE-ON-DEATH STATUS.If the Account Designation shows a payable-ondeath status, any Beneficiary has
      rights to the Account: (a) if the Beneficiary is a said claim or any loss or liability thereunder. In the event You fail to
      defend and/or indemnify and hold Us harmless, then in such instance We shall have full rights to defend, pay or
      settle said claim on Your behalf without notice to You and with full right of recourse against You for all fees, costs,
      expenses and payments made or agreed to be paid to discharge said claim. You further agree to pay all reasonable
      attorneys'fees necessary to enforce such provision.Such indemnity shall be unlimited in amount and duration and
      be binding upon and inure to the benefit of all parties,their successors,assigns and personal representatives.
      POWER OF ATTORNEY.If You name a person to act as Your attorney-in-fact or agent in any way with Your
      Account,We are only obligated to deal with such person if We,in Our sole judgment,approve of the form of
      appointment and the supporting documentation.
      DEPOSIT OF ITEMS.You may make deposits to Your Account using any method available from Us,including
      deposits in person,by mail or electronic means.We have the right to refuse to accept any check or instrument for
      deposit at Our sole discretion.If You deposit an item and it is returned unpaid,We will debit Your Account for the
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      amount of the item and charge You a fee.You will be liable to Us for the amount of any item You deposit which is
      returned unpaid,and in addition,will be responsible for any of Our costs and expenses incurred in the collection of
      such returned item from You,including reasonable attorneys' fees. Subject to Our Funds Availability Policy, You
      may not be able to withdraw funds from Your Account until We have received final settlement for any items
      deposited. If You make a deposit on a Saturday, Sunday, or a holiday, or after Our predetermined cut-off hour on
      business days, the deposit will be credited to Your Account as of the next business day.
      COLLECTION AND PROCESSING OF ITEMS.In processing items You have deposited for collection, We are only Your
      agent and assume no responsibility beyond the exercise of ordinary care. Any item deposited is subject to final
      settlement in cash or credit. We may use any method We feel is appropriate to collect items, which may include
      use of a Federal Reserve Bank. We are not responsible for the acts of any third party We use for the collection of
      items including responsibility for lost items. If We use a local clearinghouse in the collection of items, You
      authorize Us to do so and to act in accordance with any applicable rules and regulations. We may permit You to
      withdraw funds from Your Account before final settlement has been made, however, if final settlement is not
      made, We have the right to charge Your Account or otherwise require You to repay such funds. In processing items
      presented for payment on Your Account, We will pay such items each business day in the following order: (a)
      electronic fund transfers; (b) cash items; and then (c) non-cash items based on sequential order with the item
      bearing the smallest check number paid first, followed by the item with the next largest number, and so forth and
      so on; all of which means that the transactions may not be processed in the order in which they occurred and that
      You could incur multiple fees in a single day should there be insufficient funds to pay all items presented that day.
      The Credit Union may, in its sole discretion, elect not to charge an overdraft fee when the total amount overdrawn
      is less than $5.00. The Credit Union may, except in the case of fraud, limit the number of overdraft fees that may
      be assessed each day. The present limit is five overdraft fees per day.
      OVERDRAFT PROTECTION.To the extent permitted by law, You authorize Us to transfer funds from other accounts
      You may have with Us in necessary multiples (or in such increments as We may from time to time determine) to
      Your Account to cover any overdraft. If You have a line of credit or overdraft privilege with Us, transfers will be
      made first from Your primary share Account, provided You have enough available funds in that Account, then from
      Your line of credit up to Your available credit limit, and then We may elect to pay such overdraft, subject to any
      preference You have indicated to Us for clearing any overdraft(s). Overdraft transfers are subject to a transfer fee.
      You hold Us harmless from any and all liability which might otherwise exist if a transfer does not occur.
      NONSUFFICIENT FUNDS (NSF) AND OVERDRAFTS.If at any time, the available funds in Your Account are not
      sufficient to cover items (check, ACH, debit card, website transaction, audio response transaction, Our fees or
      charges, or other electronic transactions or withdrawals of any type) presented for payment on Your Account,
      those checks and items will be handled in accordance with Our overdraft procedures. To the extent permitted by
      law, Your Account will then be subject to a charge for the item whether paid or returned as set forth in Our fee
      schedule. Except as otherwise agreed in writing, We, by covering one or any Overdraft, do not agree to cover
      overdrafts in the future and may discontinue covering overdrafts at any time. If We pay a check or draft that would
      otherwise overdraw Your Account, You agree to pay the overdraft amount immediately (within 24 hours of
      notification). We reserve the right to pursue collection of previously dishonored items at any time, and to charge
      You for such collection services, whether those services are rendered by Us or by third parties. If We have
      approved an overdraft protection plan for Your Account, We will honor drafts drawn on insufficient funds by
      transferring funds from a savings Account or another deposit Account or a loan account, as you have directed. No
      more than 6 transfers may be permitted in any calendar month from deposit Accounts. Once the transfer total for
      the month has reached 6, any insufficient funds items will be handled in accordance with Our regular overdraft
      procedures. The fee for these overdraft transfers and excessive transfers, if any, is set forth in Our fee schedule.
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      SUSPENSION OF SERVICES.We have the right to suspend the benefit of any Credit Union service at any time for
      reasonable cause. At Our discretion, We also have the right to pay any check presented for payment from Your
      Account after Your Account is closed or suspended and to recover such amount paid from You.
      Account services are available to those members in good standing with the Credit Union. We reserve the right to
      cancel or suspend services to a member who is not in good standing, which includes members that have: (a) a
      delinquent loan; (b) a Primary Savings Account balance below the $5.00 minimum; (c) an unresolved deposited
      returned check; (d) any unpaid and uncollected fees; (e) a negative balance on an Account; or (f) caused a financial
      loss to the Credit Union.
      ASSIGNABILITY.You may not assign or transfer any interest in Your Account.
      AGREEMENTS AND DISCLOSURES.The Agreements and Disclosures provided to You at the time You opened Your
      Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your
      Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or
      compounded; and (d) other pertinent information related to Your Account. Your Agreements and Disclosures may
      be amended by Us from time to time in a manner as prescribed by law.
      STOP PAYMENTSYou may ask Us orally to stop payment on a share draft. For any such request to remain valid,
      however, You must also supply Us with a written request within 14 days after You make any such oral request.
      Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your
      request. A written stop payment request is effective for six months. If at the end of six months, You request Us to
      continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a share
      draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care.
      In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved share
      draft. If We do pay a share draft for which You have requested stop payment and as a result any other item is
      returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such
      action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a
      stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-
      authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer
      Agreement with You. Stop payment requests are also subject to the terms and conditions of the Order For Stop
      Payment form related to any such request.
      You may also ask Us to replace a lost, destroyed, or stolen cashier's,teller or certified check and if You do,You
      agree to execute a declaration of loss and claim for reimbursement form together with any other documentation
      We may require,such as an affidavit.Regardless of the type of documentation presented to Us,the request must be
      in a form acceptable to the Credit Union and given to Us in a timely manner so that
      natural person,only if the Beneficiary is alive and only if You and any joint Owners are deceased;(b)if the
      Beneficiary is a charity or other non-profit organization,only if the charity or non-profit organization is in operation
      as a validly constituted,registered and/or licensed entity under applicable state law,and You and any joint Owners
      are deceased.Upon Your death and the death of any joint Owners,the funds on deposit will be paid to the
      beneficiary(ies)of record in equal shares unless You designated otherwise.If,however,none of the payable-on-
      death beneficiaries You named is alive(or in operation as a validly constituted,registered and/or licensed entity
      under applicable state law in the case of a charity or non-profit organization)at Your death,the funds will be paid to
      the party or parties as required by applicable law.It is the responsibility of all Account Owners to determine any
      legal effects of opening and maintaining an Account with payable-on-death status.
      FIDUCIARY ACCOUNTS.If Your Account is established as a fiduciary Account,You warrant that You are authorized
      to open a fiduciary Account and understand that such Accounts will only be opened by the Credit Union if the
      documentation presented by You to the Credit Union is in a manner acceptable to Our underwriting policies.In no
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      event will the Credit Union be liable for the actions of the fiduciary and/or obligated to ensure that the fiduciary's
      actions are in accordance with any instructions that have been provided to them. It is Your responsibility to
      determine and understand any legal effects related to this type of Account.
      ORGANIZATIONAL, PARTNERSHIP OR CORPORATION ACCOUNTS. If Your Account is an organizational,
      partnership or corporate account, You will supply Us with a separate authorization informing Us of the authorized
      signers for the Account and provide any other related documents if We request You to do so.
      ARBITRATION. Any controversy or claim arising out of or relating to these Agreements and Disclosures, or the
      breach thereof, shall be settled by arbitration administered by the American Arbitration Association in accordance
      with its Arbitration Rules and judgment on the award rendered by the arbitrator(s) may be entered in any court
      having jurisdiction thereof. All parties hereby waive and give up all rights to a jury trial or class action relief.
      INDEMNITY. You agree to indemnify and hold harmless the Credit Union and their successors and assigns, from
      any claim, action, liability, loss, damage or suit, arising out of any action or inaction on Our part in connection with
      these Agreements And Disclosures and/or Your failure to abide by its terms. In the event of any claim, We shall
      provide You with reasonable and timely notice of such claim, and thereafter You shall at Your own expense defend,
      protect and hold harmless the Credit Union against
      OVERDRAFTS AT ATMS/TELLER. OMNI Community Credit Union will not honor overdrafts of any type from an ATM
      or teller workstation.
      RIGHT TO PAY OR RETURN. If an item (check, debit card, website transaction, audio response transaction, Our
      fees or charges, or other electronic transactions or withdrawals of any type) is presented without sufficient funds
      in Your Account to pay it, We may, at Our discretion, pay the item (creating an overdraft) or return the item (NSF).
      While We reserve the right to pay or not pay any item presented without sufficient funds, You may request that We
      not pay such items. In that case, we will return any item presented without sufficient funds (NSF). If You wish to
      exercise this option (that is, if You prefer that We not pay such items), call Us at 866-OMNI-WOW or write to us at
      P.O. Box 1537, Battle Creek, MI 49016, and inform Us that You do not want Us to pay any items presented when
      Your Account does not have sufficient funds. The amounts of the overdraft and NSF fees are disclosed in Our fee
      schedule. We encourage You to make careful records and practice good account management. This will help You
      avoid writing checks or drafts without sufficient funds and incurring resulting fees.
      NOTICE OF RECEIPT OF ACH ITEMS. Under the operating rules of the National Automated Clearing House
      Association which are applicable to ACH transactions involving your account and as permitted by law, We are not
      required to give You next day notice of receipt of an ACH item, and We will not do so. We will continue to notify You
      of the receipt of payments in the periodic statements We provide to You.
      PROVISIONAL PAYMENT (ACH ORIGINATION). Credits given by any Receiving Depository Financial Institution to
      the receiver with respect to any automated clearing house credit entries subject to Article 4A of the Uniform
      Commercial Code (UCC-4A), are provisional until the Receiving Depository Financial Institution has received final
      settlement through a Federal Reserve Bank, or has otherwise received payment as provided in 4A-403(a) of UCC-
      4A. If the Receiving Depository Financial Institution does not receive such final settlement or payment, then they
      shall be entitled to a refund from the receiver of the amount so credited, and We shall not be deemed to have paid
      the receiver the amount of such entry.
      PROVISIONAL PAYMENT (ACH RECEIPT). Credit given by Us to You with respect to any automated clearing house
      credit entry is provisional until We receive final settlement for such entry through a Federal Reserve Bank. If We
      do not receive final settlement, You are hereby notified and agree that We are entitled to a refund of the amount
      credited to You in connection with such entry, and the party making payment to You via such entry (i.e., the
      originator of the entry) shall not be deemed to have paid You the amount of such entry.
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      CHOICE OF LAW. We may accept payments on Your behalf for Your account which have been transmitted through
      one or more Automated Clearing Houses ("ACH") and which are not subject to the Electronic Fund Transfer Act.
      Your rights and obligations with respect to such payments shall be construed in accordance with and governed by
      the laws of the state of New York as provided by the operating rules of the National Automated Clearing House
      Association, which are applicable to ACH transactions involving Your account.
      EXPENSES. If We incur any costs or expenses as a result of any attachment, garnishment or levy against Your
      Account, You will reimburse Us for such costs or expenses or We may charge them to Your Account.
      INACTIVE OR DORMANT ACCOUNTS. Inactive Accounts (Accounts with no withdrawals or deposits within a one-
      year period) may be subject to an Inactive Account Fee. If no activity occurs in Your account within the time period
      specified by applicable state law, the property in Your account may be subject to transfer to the appropriate state
      authority ("escheatment"). We have no liability if Your Account becomes dormant and is therefore subject to
      escheatment in accordance with state and/or federal law.
      LIEN IMPRESSMENT AND SET-OFF. You agree that We may impress and enforce a statutory lien upon Your
      Accounts with Us to the extent You owe Us any money and We may enforce Our right to do so without further
      notice to You. We have the right to set-off any of Your money or property in Our possession against any amount You
      owe Us. The right of set-off and Our impressed lien does not extend to any Keogh, IRA, HSA or similar tax deferred
      deposit You may have with Us. If Your Account is owned jointly, Our right of set-off and Our impressed lien extends
      to any amount owed to Us by any of the joint Owners.
      CREDIT REPORTING NOTICE. We may report information about your account to credit bureaus. Late payments,
      missed payments, or other defaults on your account may be reflected in your credit report.
      MINIMUM BALANCE REQUIREMENTS, FEES AND SERVICE CHARGES. You agree to pay Us any applicable fees or
      charges, and are responsible for any minimum balance requirements and deposit requirements called for in Our
      Agreements and Disclosures provided to You when You opened Your Account. In any case and with proper notice to
      You, fees, charges, balance requirements and deposit requirements may be changed by Us from time to time. We
      have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will
      not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of
      acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for
      reimbursement together with any other required documentation.
      CHECKS AND OTHER ACCOUNT ACCESS DEVICES. Any check or other Account access device which does not meet
      Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation or
      Our own policy.
      POSTDATED, STALE OR OVERDRAFT CHECKS. You understand that postdating a check will have no effect on
      whether or not it is honored prior to or after the date of any such check. A stale check is any check received by Us
      that is dated six months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale or
      overdraft check, or other item presented for payment on Your Account without any liability.
      CHECK SAFEKEEPING. Check Safekeeping is automatic on Your Account and, unless You specifically request
      otherwise and agree to pay any associated fees, Your cancelled checks will not be returned to You. You understand
      that cancelled checks retained by Us are later destroyed after a reasonable period of time. If You subsequently
      request a copy of a check and We are unable to supply it, then We shall not be liable for any damage You may
      sustain in excess of the face amount of the involved check.
      PERIODIC STATEMENTS. You will be provided with a periodic statement showing activity on Your Account. If You
      believe any statement reflects discrepancies, You must notify Us of such discrepancies within 60 days from the
      date We mailed the statement to You. If the discrepancy noted is the result of an electronic fund transfer, then the
      provisions of Our Electronic Fund Transfer Agreement with You will control resolution of the matter.
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      AMENDMENTS. This Agreement may be amended by Us at any time, in which case We will provide You with a
      notice of amendment as required by law or regulation.
      NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly in writing with Your signature if You move or
      otherwise have a change of address. In the event We are unable to locate You, You agree to pay all fees associated
      with maintaining an invalid address in Our records and any costs and locator fees incurred in Our locating efforts.
      WAIVERS. You agree and understand that Our failure or delay to exercise any right, remedy, power, or privilege
      available to Us pursuant to this Agreement shall not affect or disallow Our future exercise of that right, remedy,
      power or privilege.
      GOVERNING LAW. This Agreement shall be governed by the laws of the State of Michigan, except to the extent that
      federal law controls.
                                   ACCOUNT DISCLOSURES
      THE FOLLOWING DISCLOSURES CONTAIN IMPORTANT INFORMATION AND THE TERMS AND CONDITIONS OF
      ANY ACCOUNT OR ACCOUNTS THAT YOU MAY HAVE WITH US AND ARE PROVIDED AS REQUIRED BY THE TRUTH-
      IN-SAVINGS ACT. WHEREVER USED, "APY" MEANS ANNUAL PERCENTAGE YIELD.
                    SPECIFIC TERMS APPLICABLE TO YOUR PRIMARY SAVINGS ACCOUNT
      Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate
      and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included
      with and made a part of this Disclosure.
      Minimum Balance Requirements. The minimum balance required to open this Account is $5.00. You must
      maintain a balance of $100.00 in Your Account each day to obtain the disclosed Annual Percentage Yield. You must
      maintain a balance of $100.00 each day, or maintain one or more additional deposit Accounts, or maintain a credit
      card or loan, or be less than 18 years old to avoid a fee.
                     SPECIFIC TERMS APPLICABLE TO YOUR SMART SAVINGS ACCOUNT
      Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate
      and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included
      with and made a part of this Disclosure.
      Minimum Balance Requirements. You must maintain a balance of $1,000.00 in Your Account each day to obtain
      the disclosed Annual Percentage Yield.
               SPECIFIC TERMS APPLICABLE TO YOUR NON-INTEREST BEARING SAVINGS ACCOUNT
      Dividend Information. No dividends are paid on this Account.
                    SPECIFIC TERMS APPLICABLE TO YOUR SPECIAL SAVINGS ACCOUNT
      Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate
      and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included
      with and made a part of this Disclosure.
      Minimum Balance Requirements. You must maintain a balance of $100.00 in Your Account each day to obtain the
      disclosed Annual Percentage Yield.
                    SPECIFIC TERMS APPLICABLE TO YOUR CHRISTMAS CLUB ACCOUNT
      Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and
      corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with
      and made a part of this Disclosure.
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      Minimum Balance Requirements. No minimum balance requirements apply to this Account.
      Transaction Limitations. The funds in Your Account will be available for withdrawal during the period of October
      1st through December 31st of each year. If You make a withdrawal outside that time period Your Account may be
      closed.
                     SPECIFIC TERMS APPLICABLE TO YOUR MONEY MARKET ACCOUNT
      Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate
      and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included
      with and made a part of this Disclosure.
      Minimum Balance Requirements. You must maintain a balance of $2,500.00 in Your Account each day to obtain
      the disclosed Annual Percentage Yield.
                      SPECIFIC TERMS APPLICABLE TO YOUR IRA SAVINGS ACCOUNT
      Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and
      corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with
      and made a part of this Disclosure.
      Minimum Balance Requirements. No minimum balance requirements apply to this Account.
      Transaction Limitations. Individual Retirement Accounts are subject to limitations and/or penalties imposed by
      the Internal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information.
                       SPECIFIC TERMS APPLICABLE TO YOUR CHECKING ACCOUNT
      Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate
      and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included
      with and made a part of this Disclosure.
      Minimum Balance Requirements. You must maintain a balance of $5,000.00 in Your Account each day to obtain
      the disclosed Annual Percentage Yield.
      Transaction Limitations. No transaction limitations apply to this Account.
                    SPECIFIC TERMS APPLICABLE TO YOUR SMART CHECKING ACCOUNT
      Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate
      and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included
      with and made a part of this Disclosure.
      Minimum Balance Requirements. You must maintain a balance of $100.00 in Your Account each day to obtain the
      disclosed Annual Percentage Yield.
      Transaction Limitations. No transaction limitations apply to this Account.
                   SPECIFIC TERMS APPLICABLE TO YOUR REWARDS CHECKING ACCOUNT
      Dividend Information. No dividends are paid on this Account
      Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the funds before the maturity date.
      For Accounts having a term equal to or less than one year, the penalty imposed will equal 90 days of dividends. For
      Accounts having a term greater than one year, the penalty imposed will equal 180 days of dividends.
      Renewal Policies. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar
      days following the Maturity Date to make withdrawals and/or deposits without penalty.
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      Transaction Limitations. Once Your Account is established, You may not make deposits until the maturity of Your
      Account. Individual Retirement Accounts are also subject to limitations and/or penalties imposed by the Internal
      Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information.
                  SPECIFIC TERMS APPLICABLE TO YOUR JUMBO CERTIFICATE ACCOUNT(S)
      Variable Rate Information. These Accounts are subject to a Variable Rate. For the current dividend rate and
      corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with
      and made a part of this Disclosure.
      Minimum Balance Requirements. For the minimum balance required to open these Accounts, refer to the
      accompanying account disclosure rate supplement. You must maintain a balance equal to the minimum balance
      required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account
      open.
      Maturity Date. Your Account will mature after the term indicated on the accompanying account disclosure rate
      supplement.
      Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the funds before the maturity date.
      For Accounts having a term equal to or less than one year, the penalty imposed will equal 90 days of dividends. For
      Accounts having a term greater than one year, the penalty imposed will equal 180 days of dividends.
      Renewal Policies. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar
      days following the Maturity Date to make withdrawals and/or deposits without penalty.
      Transaction Limitations. Once Your Account is established, You may not make deposits until the maturity of Your
      Account.
                SPECIFIC TERMS APPLICABLE TO YOUR PENNY PANDA CERTIFICATE ACCOUNT(S)
      Variable Rate Information. These Accounts are subject to a Variable Rate. For the current dividend rate and
      corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with
      and made a part of this Disclosure.
      Minimum Balance Requirements. For the minimum balance required to open these Accounts, refer to the
      accompanying account disclosure rate supplement. You must maintain a balance equal to the minimum balance
      required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account
      open.
      Maturity Date. Your Account will mature after the term indicated on the accompanying account disclosure rate
      supplement.
      Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the funds before the maturity date.
      For Accounts having a term equal to or less than one year, the penalty imposed will equal 90 days of dividends. For
      Accounts having a term greater than one year, the penalty imposed will equal 180 days of dividends.
      Renewal Policies. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar
      days following the Maturity Date to make withdrawals and/or deposits without penalty.
      Transaction Limitations. Once Your Account is established, You may not make deposits until the maturity of Your
      Account.
                SPECIFIC TERMS APPLICABLE TO YOUR CYBER SAVERS CERTIFICATE ACCOUNT(S)
      Variable Rate Information. These Accounts are subject to a Variable Rate. For the current dividend rate and
      corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with
      and made a part of this Disclosure.
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      Minimum Balance Requirements. For the minimum balance required to open these Accounts, refer to the
      accompanying account disclosure rate supplement. You must maintain a balance equal to the minimum balance
      required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account
      open.
      Withdrawal of Dividends Prior to Maturity. For Certificate Accounts, the Annual Percentage Yield assumes that
      dividends remains on deposit until maturity. A withdrawal will reduce earnings.
      Additional Transaction Limitations.For all Accounts (except checking Accounts) during any statement period, You
      may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third
      party by means of a pre-authorized or automatic transfer or telephonic order or instruction. No more than three of
      the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party. If You
      exceed these limitations, Your Account may be subject to closure by the Credit Union.
      For all Accounts (except checking Accounts), the Credit Union reserves the right to require a member intending to
      make a withdrawal to give written notice of such intent not less than seven days and up to 60 days before any such
      withdrawal.
      Compounding and Crediting. For all dividend-bearing Accounts, dividends will be earned daily for each day on
      which Your balance exceeds the minimum daily balance requirement for Your Account. You will not be paid any
      accrued but uncredited dividends at the time You close Your Account. The dividend period, compounding frequency
      and the crediting frequency for all accounts are shown in the following table:
       Account Type      Dividend Period Compounding Frequency Crediting Frequency
       Primary Savings   Monthly        Monthly               Monthly
       Smart Savings     Monthly        Monthly               Monthly
       Special Savings   Monthly        Monthly               Monthly
       Penny Panda Savings Monthly      Monthly               Monthly
       Cyber Savings     Monthly        Monthly               Monthly
      Minimum Balance Requirements. The minimum balance required to open this Account is $5.00. You must
      maintain a balance of $100.00 each day, or maintain one or more additional deposit Accounts, or maintain a credit
      card or loan, or be less than 18 years old to avoid a fee.
                  SPECIFIC TERMS APPLICABLE TO YOUR PENNY PANDA SAVINGS ACCOUNT
      Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate
      and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included
      with and made a part of this Disclosure.
      Minimum Balance Requirements. The minimum balance required to open this Account is $5.00. You must
      maintain a balance of $5.00 in Your Account each day to obtain the disclosed Annual Percentage Yield.
                      SPECIFIC TERMS APPLICABLE TO YOUR CYBER SAVER ACCOUNT
      Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate
      and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included
      with and made a part of this Disclosure.
      Minimum Balance Requirements. The minimum balance required to open this Account is $5.00. You must
      maintain a balance of $5.00 in Your Account each day to obtain the disclosed Annual Percentage Yield.
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      Minimum Balance Requirements. No minimum balance requirements apply to this account.
      Transaction Limitations. No transaction limitations apply to this Account.
              SPECIFIC TERMS APPLICABLE TO YOUR NON-INTEREST BEARING CHECKING ACCOUNT
      Dividend Information. No dividends are paid on this Account.
      Minimum Balance Requirements. No minimum balance requirements apply to this account.
                     SPECIFIC TERMS APPLICABLE TO YOUR HSA CHECKING ACCOUNT
      Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate
      and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included
      with and made a part of this Disclosure.
      Minimum Balance Requirements. You must maintain a balance of $100.00 in Your Account each day to obtain the
      disclosed Annual Percentage Yield.
      Transaction Limitations. Health Savings Accounts are subject to limitations and/or penalties imposed by the
      Internal Revenue Service. Please see Your HSA Agreement or Your tax advisor for additional information.
      Additional Information. Any HSA Checking Account is subject to federal laws and regulations, together with the
      terms and conditions found in the separate application, health savings custodial account agreement, and any
      amendments thereto or modifications thereof. It is expressly understood by all parties that all such Accounts are
      owned individually and no other form of ownership can apply, although a beneficiary or beneficiaries may be
      named, subject to the separate documents described above. You further understand that withdrawals may only be
      made by: (a) check; and (b) an HSA Debit Card, if applicable. It is Your sole responsibility to ensure that each
      withdrawal conforms to applicable laws and federal regulations including, but not limited to, those set forth by the
      Internal Revenue Service.
                     SPECIFIC TERMS APPLICABLE TO YOUR CERTIFICATE ACCOUNT(S)
      Variable Rate Information. These Accounts are subject to a Variable Rate. For the current dividend rate and
      corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with
      and made a part of this Disclosure.
      Minimum Balance Requirements. For the minimum balance required to open these Accounts, refer to the
      accompanying account disclosure rate supplement. You must maintain a balance equal to the minimum balance
      required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account
      open.
      Maturity Date. Your Account will mature after the term indicated on the accompanying account disclosure rate
      supplement.
      Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the funds before the maturity date.
      For Accounts having a term equal to or less than one year, the penalty imposed will equal 90 days of dividends. For
      Accounts having a term greater than one year, the penalty imposed will equal 180 days of dividends.
      Renewal Policies. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar
      days following the Maturity Date to make withdrawals and/or deposits without penalty.
      Transaction Limitations. Once Your Account is established, You may not make deposits until the maturity of Your
      Account.
                    SPECIFIC TERMS APPLICABLE TO YOUR IRA CERTIFICATE ACCOUNT(S)
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      Variable Rate Information. These Accounts are subject to a Variable Rate. For the current dividend rate and
      corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with
      and made a part of this Disclosure.
      Minimum Balance Requirements. For the minimum balance required to open these Accounts, refer to the
      accompanying account disclosure rate supplement. You must maintain a balance equal to the minimum balance
      required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account
      open.
      Maturity Date. Your Account will mature after the term indicated on the accompanying account disclosure rate
      supplement.
      Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the funds before the maturity date.
      For Accounts having a term equal to or less than one year, the penalty imposed will equal 90 days of dividends. For
      Accounts having a term greater than one year, the penalty imposed will equal 180 days of dividends.
      Renewal Policies. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar
      days following the Maturity Date to make withdrawals and/or deposits without penalty.
      Transaction Limitations. Once Your Account is established, You may not make deposits until the maturity of Your
      Account.
                          GENERAL TERMS APPLICABLE TO ALL ACCOUNTS
      Member in Good Standing.The Account services described in these Agreements And Disclosures are available to
      those members in good standing with the Credit Union. We reserve the right to suspend services to a member who
      is not in good standing, which includes members that have:
          a delinquent loan.
          a Primary Savings Account balance below the $5.00 minimum.
          an unresolved deposited returned check.
          unpaid and uncollected credit union fees.
          a negative balance on an account.
          caused a financial loss to the Credit Union.
      Minimum Balance Requirements. To be a member and maintain Accounts with Us You must purchase one share
      in the Credit Union. The par value of a share in this Credit Union is $5.00. If the balance in Your primary Share
      (Savings) Account drops below one share ($5.00) for a period of six months or more, We may, at Our option, close
      Your Account.
      Nonsufficient Funds Returns. Any check or pre-authorized transfer, or transaction made through the use of Your
      ATM or debit Card, or other electronic means, as is applicable (including any in-person transaction), that is
      presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such
      item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee
      for doing so.
      Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each
      Business Day with Your final Account balance from the preceding Business Day. The final balance takes into
      account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds
      Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as
      described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account
      Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day's final
      balance)is sometimes referred to as Your"actual balance."
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      As credits and debits to Your Account are received by Us,We add them to and subtract them from Your actual
      balance.Examples of credits include,but are not limited to,electronic direct deposits,check deposits that have been
      fully and finally collected,ACH credits that have settled that day,and cash deposits made to one of Our
      tellers.Examples of debits include,but are not limited to,checks drawn on Your Account that are presented to Us
      for payment,electronic fund transfer(EFT)debit transactions(such as preauthorized payments and settled EFT
      debits),memo-posted EFT debits(EFT debits that We have authorized but which have not been settled),and Credit
      Union fees and charges.The result of this calculation at any given point in time is called Your"available balance."
      For the purpose of determining whether an overdraft has occurred,We use Your available balance.First,we add all
      of the settled credit transactions to the beginning actual balance.Then,We subtract all of the debit transactions
      that settled that day.We also subtract all of the pending debit transactions.This determines the available balance
      for overdraft purposes.Each debit transaction that We process when Your Account has a negative available
      balance is an overdraft,subject to an overdraft charge.
      Subject to applicable law,You are responsible for paying any overdraft fees and charges assessed in connection
      with Our payment of an overdraft,as well as any NSF fees charged to Your Account when we dishonor and return
      an item for non-sufficient funds.It is Your responsibility to know Your Account balance,and if You have any
      questions You should contact a Credit Union representative.
      Variable Rate Information.For all dividend-bearing accounts,the dividend rate and APY may change at any time
      based on the determination of the Credit Union's Board of Directors.
      Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to
      reserves at the end of a dividend period.
       Account Type        Dividend Period Compounding Frequency Crediting Frequency
       IRA Savings         Monthly       Monthly               Monthly
       Christmas Club      Monthly       Monthly               Monthly
       Money Market        Monthly       Monthly               Monthly
       Checking            Monthly       Monthly               Monthly
       Smart Checking      Monthly       Monthly               Monthly
       HSA Checking        Monthly       Monthly               Monthly
       Certificate         Monthly       Monthly               Monthly
       IRA Certificate     Monthly       Monthly               Monthly
       Jumbo Certificate   Monthly       Monthly               Monthly
       Penny Panda Certificate Monthly   Monthly               Monthly
       Cyber Savers Certificate Monthly  Monthly               Monthly
      Balance Computation Method. For all dividend-bearing Accounts, dividends are calculated by the daily balance
      method which applies a daily periodic rate to the balance in the Account each day.
      Accrual on Noncash Deposits. For dividend-bearing Accounts, dividends will begin to accrue on the business day
      that follows the day You deposit noncash items (e.g. checks) into Your Account.
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      Fees and Charges. . Any fees and charges applicable to Your Account are disclosed on an accompanying pricing
      document provided in conjunction with these Agreements and Disclosures.
                          ELECTRONIC SERVICES AGREEMENT & DISCLOSURE
      THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL
      STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND
      REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD, MASTERCARD
      DEBIT CARD, HSA DEBIT CARD, OUR AUDIO RESPONSE SYSTEM ("ITALK"), OUR PERSONAL COMPUTER
      ACCOUNT ACCESS SYSTEM ("INTERNET BANKING"), AND OUR INTERNET REMOTE DEPOSIT SYSTEM ("MOBILE
      DEPOSIT"), EACH WITH THEIR PERSONAL IDENTIFICATION NUMBERS (PINS) AND/OR ACCESS CODE AND ANY
      CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").
      ATM CARD, MASTERCARD DEBIT CARD, HSA DEBIT CARD, ITALK, INTERNET BANKING, MOBILE DEPOSIT AND
      E-CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s)
      by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your
      Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be
      limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored
      including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) any
      check which You authorize the payee to process electronically; (c) Our iTalk Audio Response system; (d) Our
      Mobile Deposit system; and (e) Our Internet Banking Personal Computer Account Access System. An electronic
      fund transfer is any transfer of funds which is performed through the use of Your Card, E-Check, Our iTalk Audio
      Response System, Our Internet Banking Personal Computer Account Access System, Our Mobile Deposit Internet
      Remote Deposit System or other electronic device. You understand that Your Card and any PINs and/or Access
      Codes are issued by Us and are not transferable. Your PIN is confidential and should not be disclosed to anyone.
      The use of Your Card is subject to the following terms. You agree: (a) to abide by Our Rules and Regulations as
      amended relating to the use of the Card; (b) that We may follow all instructions given to machines; and (c) not to
      use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling
      and/or wagering where such practices are in violation of applicable state and/or federal law. Each withdrawal by
      You, or anyone else to whom You give Your PIN or to whom You allow access to Your Account, will be charged to
      Your share or share draft Account and will be treated as though it were a withdrawal except that: (1) We may
      charge withdrawals in any order We determine; and (2) We cannot honor stop payment requests on ATM and POS
      withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the
      balance in Your share and/or share draft Account. In the event that any such transfer occurs, You agree to
      immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges.
      ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS (PINs) AND/OR ACCESS CODES. We will issue to You
      separate Personal Identification Numbers (PINs) and/or Access Codes to be used in conjunction with a Card, iTalk,
      Mobile Deposit and Internet Banking. Your use of Your PIN or Access Code is Your authorization to Us to withdraw
      funds from Your share Account or Your share draft Account to cover such transactions.
      Your Card and Your PIN for: (a) Withdrawals at designated locations from Your share, share draft and line of credit
      Accounts up to a maximum (share, line of credit and share draft combined) of $2,500.00 per day (at Your option as
      low as $50.00 per day), provided You have enough available funds in Your Account; (b) Transfers of funds between
      Your share, share draft and line of credit Accounts; and (c) Balance inquiries about Your share and share draft
      Accounts.
      HSA DEBIT CARD TRANSACTIONS. You may use Your Card and PIN to pay for qualified medical expenses at any
      business establishment where the Card is accepted. At the present time, You may use Your Card and Your PIN to
      access Your HSA Checking Account up to the maximum described in the separate health savings custodial account
      agreement (at Your option as low as $50.00 per day), provided You have enough available funds in Your Account.
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      ITALK TRANSACTIONS. You may use Our iTalk Audio Response system in conjunction with Your PIN and/or Access
      Code via a touch tone telephone to make the following types of transactions on designated accounts: (a) Transfer
      funds between Your share and share draft Accounts; (b) Make loan payments from Your share and share draft
      Accounts; (c) Verify information related to Your share and share draft Accounts; and (d) Miscellaneous inquiries on
      Credit Union services that affect Your Account. The system operates 24 hours every day. If You attempt to use the
      system and are told that "the system is not available," please call back later when service is restored.
      INTERNET BANKING TRANSACTIONS. You may use Our Internet Banking system in conjunction with Your PIN
      and/or Access Code via a personal computer to make the following types of transactions on designated accounts:
      (a) Transfer funds between Your share and share draft Accounts; (b) Make loan payments from Your share and
      share draft Accounts; (c) Verify information related to Your share and share draft Accounts; and (d) Miscellaneous
      inquiries on Credit Union services that affect Your Account.
      MOBILE DEPOSIT. You may use the Mobile Deposit system in conjunction with Your Access Code and/or User ID
      and password and an internet enabled mobile computing device (e.g., a smartphone and/or tablet) and an imaging
      application/device to deposit share drafts and checks into designated accounts. Your ability to deposit share drafts
      and checks into Your designated accounts using the Mobile Deposit system is subject to certain limitations and
      exceptions. An item processed through Mobile Deposit may be rejected by the Credit Union if it does not contain
      Your personal indorsement, the date of deposit, the specific account number to which the deposit is to be credited,
      and the phrase "via mobile deposit." The Credit Union may also reject: (a) all items in which both the payee and
      payor are the same; (b) 3rd party checks; (c) previously returned checks; (d) stale-dated checks; (e) foreign
      checks; (f) images that failed initial transmission; (g) substitute checks; (h) remotely created checks; and/or (i) any
      Mobile Deposit deposit made during the initial 180-day period that Your account is open. To avoid any potential
      misunderstanding or disappointment when using the Mobile Deposit system, after You capture the image of the
      original item and complete a Mobile Deposit transaction, You should mark each original item with the words
      "Presented Electronically" so that You and anyone else will know that the item has already been deposited by
      Mobile Deposit. You should retain the original item for 90 days after the date of deposit (in case there is a
      problem), and then destroy the item immediately thereafter.
      E-CHECK TRANSACTIONS. You may authorize a merchant or other payee to make a one-time electronic payment
      from Your checking Account using information from your check ("E-Check") to: (a) pay for purchases; or (b) pay
      bills.
      NOTIFICATION OF PRE-AUTHORIZED DEPOSITS. If You have arranged to have direct deposits made to Your
      Account at least once every 60 days (from Your employer, the Federal government or other payer), You can call Us
      at the telephone number shown in this Agreement to find out whether or not the deposit has been made.
      RIGHT TO STOP PRE-AUTHORIZED PAYMENTS. If You want to stop any preauthorized payments, call Us at the
      telephone number shown in this Agreement or write Us at the address shown in this Agreement in time for Us to
      receive Your stop payment request three business days or more before the payment is scheduled to be made. If
      You call, You must put Your request in writing and get it to Us within 14 days after You call. To be sure that a third
      party does not bill You again for the "stopped" payment or to cancel the entire pre-authorized payment
      arrangement, contact the third party.
      OUR LIABILITY FOR FAILURE TO STOP PAYMENT. If You order Us to stop one of Your pre-authorized payments
      three business days or more before the transfer is scheduled, and We do not do so, We will be liable for losses or
      damages, to the extent provided by law.
      TRANSACTION SLIPS. You can get a receipt at the time You make any transaction to or from Your Account (except
      for Internet Banking, telephonic, Mobile Deposit or mail-in transactions, and certain small-value transactions).
      When an electronic transfer has been made during any given month, You will receive a monthly statement to
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      reflect all electronic fund transfers to or from Your Account during that statement period. In any case, You will
      receive a statement at least quarterly.
         1. Tell Us Your name and Account number.
         2. Describe the error or the transfer You are unsure about, and explain as clearly as You can why You believe it
          is an error or why You need more information.
         3. Tell us the dollar amount of the suspected error.
      If You tell us orally, We may require that You send us Your complaint or question in writing within 10 business
      days. We will determine whether an error occurred within 10 business days after We hear from You and will
      correct any error promptly. If We need more time, however, We may take up to 45 days to investigate Your
      complaint or question. If We decide to do this, We will credit Your Account within 10 business days for the amount
      You think is in error, so that You will have the use of the money during the time it takes Us to complete Our
      investigation. If We ask You to put Your complaint or question in writing and We do not receive it within 10 business
      days, We may not credit Your Account. We will tell You the results within three business days after completing Our
      investigation. If We decide that there was no error, We will send You a written explanation. You may ask for copies
      of the documents that We used in Our investigation. If We have credited Your Account with funds while
      investigating an error, We will charge Your Account for those funds if We conclude no error has occurred. In this
      provision, all references to 10 business days will be 20 business days if Your notice of error involves an electronic
      fund transfer that occurred within 30 days after the first deposit to Your Account was made and all references to
      45 business days will be 90 business days if Your notice of error involves an electronic fund transfer that: (a) was
      not initiated within a state; (b) resulted from a point-of-sale debit card transaction; or (c) if Your notice of error
      involves an electronic fund transfer that occurred within 30 days after the first deposit to Your Account was made.
      If We decided that there is no error, We will send You a written explanation within three business days after We
      finish Our investigation. You may ask for copies of the documents that We used in Our investigation. If We have
      credited Your Account with funds while investigating an error, We will charge Your Account for those funds if We
      conclude no error has occurred.
      UNAUTHORIZED TRANSFERS. To report a lost or stolen Card, PIN, Access Code or any combination thereof, You
      will call Us immediately at the telephone number shown in this Agreement, or write to Us at the address shown in
      this Agreement. You should also call the number or write to the address shown in this Agreement if You believe a
      transfer has been made using the information from Your check without Your permission.
      JOINT ACCOUNTS. If this is a Joint Account, You agree to be jointly and severally liable under the terms of this
      Agreement. You understand that any Account access device that is requested and approved will be mailed only to
      the primary Accountholder at the address that We have on file for You. We may refuse to follow any instructions
      which run counter to this provision.
      OWNERSHIP. Your Card or any other Account access device will remain Our property and may be cancelled or its
      use restricted by Us at any time without notice. You agree to surrender it and to discontinue its use immediately
      upon Our request.
      OTHER AGREEMENT. If electronic fund transfer transactions involve other agreements You have with Us, the
      terms of those agreements will apply as well.
      BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays.
      DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at OMNI
      Community Credit Union locations may not be posted to Your Account until they are received and verified by Us. All
      deposited items are removed from machines each business day. We are not responsible for delays in deposit
      posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our
      policy regarding the availability of Your deposits.
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                              TYPES AND LIMITATIONS OF SERVICES
      ATM CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other
      machines or facilities as We may designate. You may also use Your Card to purchase goods and services ("POS") at
      any business establishment where the Card is accepted. At the present time, You may use Your Card and Your PIN
      for: (a) Withdrawals at designated locations from Your share, share draft and line of credit Accounts up to a
      maximum (share, line of credit and share draft combined) of $1,000.00 per day (at Your option as low as $50.00 per
      day), provided You have enough available funds in Your Account; and (b) Transfers of funds between Your share
      and share draft Accounts.
      MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and
      such other machines or facilities as We may designate. You may also use Your Card to purchase goods and
      services ("POS") at any business establishment where the Card is accepted. At the present time, You may use
      FEES. We may assess reasonable charges against Your Account for electronic fund transfers. If so, We will specify
      any charges for these or other types of electronic transactions, including automatic transfers, on an accompanying
      pricing document. We will explain the charges to You when You open Your Account. You will be provided with a fee
      schedule and iTalk and Internet Banking information after Your Account is established. When You use an ATM not
      owned by Us, You may be charged a fee by the ATM operator, or any network used, and You may be charged a fee
      for a balance inquiry even if You do not complete a fund transfer.
      LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS. If We do not properly complete a transaction to or from
      Your Account according to this Agreement, We will be liable for Your losses or damages. However, We will not be
      liable if: (a) Your Account does not contain enough available funds to make the transaction through no fault of
      Ours; (b) the ATM where You are making the transfer does not have enough cash; (c) the terminal was not working
      properly and You knew about the breakdown when You started the transaction; (d) circumstances beyond Our
      control prevent the transaction despite reasonable precautions that We have taken; (e) Your Card is retrieved or
      retained by an ATM; (f) Your Card or PIN has been reported lost or stolen and We have blocked the Account; (g) the
      money in Your Account is subject to legal process or other claim; (h) there are other lawful exceptions established
      by Us and You are given proper advance notice of them; (i) You exceed any limits on Your Account; and (j) the debit
      card network does not allow the transaction to proceed due to anti-fraud or similar consumer protections
      employed by that network.
      LIABILITY FOR UNAUTHORIZED USE. Telephone Us at once at the telephone number shown in this Agreement, or
      write to Us at the address shown in this Agreement if You believe Your Card or PIN have been lost or stolen, or if
      you believe that an electronic fund transfer has been made without Your permission using information from Your
      check. Telephoning is the best way of keeping Your possible losses down. You could lose all of the money in Your
      Account (plus Your maximum overdraft line of credit, if applicable). If You tell us within 2 business days after You
      learn of the loss or theft of Your Card or PIN, You can lose no more than $50.00 if someone uses Your Card or PIN
      without Your permission. If You fail to tell Us within 2 business days after You learn of the loss or theft of Your Card
      or PIN and We can prove that We could have stopped someone from using Your Card or PIN without Your
      permission if You had told Us, then You could lose as much as $500.00. Additionally, if Your periodic statement
      shows transfers that You did not make, including those made by Card, PIN or other means, You will tell Us at once.
      If You fail to tell Us within 60 days after We mail You the first periodic statement on which the transfer appears,
      You may not get back any money You lost after the 60 days if We can prove We could have stopped someone from
      taking Your money if You had given Us notice in time. If a valid reason (such as a long trip or hospital stay) keeps
      You from giving Us notice, We will extend the time periods. Exception: You will have no liability for unauthorized
      use for Your MasterCard Debit Card as long as You report the loss or theft of Your MasterCard Debit Card within 2
      business days. If You report such loss or theft after 2 business days, or provide proper notification of other
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      unauthorized MasterCard Debit Card transactions, Your liability for unauthorized use will not exceed $50.00.
      These exceptions do not apply to transactions originating at an ATM or from Your gross negligence and/or
      fraudulent use of Your MasterCard Debit Card.
      REVERSAL OF TRANSACTION. The following applies to electronic fund transfers that debit a consumer's
      Account,and does not apply to non-consumer Accounts.We will reverse an electronic fund transfer resulting from
      a point of sale transaction at a Participating Merchant(any merchant who has arranged to accept Your Card as a
      means of payment for goods and services)and recredit Your account for the full amount of the transfer if all of the
      following occur:
         a. You provide Us notice of having made a good faith attempt to seek redress and make an assurance to Us of
          the return to the Participating Merchant of related goods in dispute,where returnable goods are involved.
         b. The amount of the transaction is $50.00 or more.
         c. Within four calendar days following the transaction,we receive from You during Our normal business
          hours,a written or oral request for the reversal.
         d. You verify the reverse order,notice and assurance in writing within 14 calendar days following oral
          notification,on a form to be provided by Us for that purpose.If written notification is not furnished,We shall
          reinstate the original debits and credits involved in the transaction to the extent of the available account
          balance.
      IN CASE OF ERRORS OR IF YOU HAVE QUESTIONS ABOUT ELECTRONIC TRANSFERS.Telephone Us at the
      telephone number shown in this Agreement,or write to Us at the address shown in this Agreement as soon as You
      can,if You think Your statement or receipt is wrong or if You need more information about a transaction listed on
      the statement or receipt.We must hear from You no later than 60 days after We send You the first statement on
      which the problem or error appeared.
      FOREIGN TRANSACTIONS.For transactions initiated in foreign currencies,the exchange rate between the
      transaction currency and the billing currency(U.S.dollars)will be:(a)a rate selected by MasterCard from the range
      of rates available in wholesale currency markets for the applicable central processing date,which rate may vary
      from the rate MasterCard itself receives;or(b)the government-mandated rate in effect for the applicable central
      processing date.In each instance You will be charged 8/10ths of 1.00%calculated on the final settlement amount
      for transactions that are initiated in foreign countries,and if your transaction is also initiated in a foreign currency
      You will be charged an additional 2/10ths of 1.00%calculated on the final converted settlement amount.
      DISCLOSURE OF ACCOUNT INFORMATION.We may disclose information to third parties about Your Account or
      transfers You make:(1)when it is necessary to complete an electronic transaction;or(2)in order to verify the
      existence and conditions of Your Account for a third party such as a credit bureau or merchant;or(3)in order to
      comply with a government agency or court order;or any legal process;or(4)if You give Us written permission.
      TERMINATION.We may terminate Your right to use Your Card,PIN or Access Code,or cancel this Agreement at any
      time upon written notice.You may request termination of these services in writing.
      CHANGE IN TERMS.We may change the terms and charges for the services shown in this Agreement and may
      amend this Agreement from time to time upon proper notice to You.
      GOVERNING LAW.This Agreement is controlled and governed by the laws of the State of Michigan except to the
      extent that such laws are inconsistent with controlling federal law.
      REGULATORY AUTHORITY.If You believe We may have violated the laws governing Electronic Fund Transfers You
      may contact:
                            Department of Insurance and Financial Services 
                                 530 W.Allegan Street,7th Floor 
                                    Post Office Box 30220 
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                                    Lansing MI 48909-7720
                             FUNDS AVAILABILITY POLICY DISCLOSURE
      THIS DISCLOSURE DESCRIBES YOUR ABILITY TO WITHDRAW FUNDS FROM YOUR ACCOUNTS AT OMNI
      COMMUNITY CREDIT UNION.YOU SHOULD ALSO REFER TO THE SECTION OF THESE AGREEMENTS AND
      DISCLOSURES THAT DESCRIBES THE DETAILS OF YOUR SPECIFIC ACCOUNT TYPE FOR ADDITIONAL
      INFORMATION.
      General Policy.Our general policy is to make funds from Your deposits available to You on the 1st business day
      following the day of Your deposit.Electronic direct deposits will be available on the same business day We receive
      the deposit.Once they are available,You can withdraw the funds and We will use the funds to pay checks that You
      have written.For determining the availability of Your deposits,every day is a business day,except
      Saturdays,Sundays and federal holidays.If You make a deposit prior to closing.on a business day that We are
      open,We will consider that day to be the day of Your deposit.However,if You make a deposit after closing or on a
      day that We are not open,We will consider the deposit made on the next business day We are open.
      Longer Delays May Apply.Funds You deposit by check may be delayed for a longer period under the following
      circumstances:
          We believe a check You deposit will not be paid
          You deposit checks totaling more than $5,000.00 on any one day.
          You redeposit a check that has been returned unpaid.
          You have overdrawn Your account repeatedly in the last six months.
          There is an emergency, such as failure of computer or communications equipment.
      We will notify You if We delay Your ability to withdraw funds for any of these reasons,and We will tell You when the
      funds will be available.They will generally be available no later than the 7th business day after the day of Your
      deposit.In any case,We reserve the right to refuse an item for deposit or encashment.
      Special Rules For New Accounts.If You are a new member,the following special rules will apply during the first 30
      days Your account is open.Funds from electronic direct deposits to Your account will be available on the day We
      receive the deposit.Funds from deposits of cash,wire transfers,and the first $5,000.00 of a day's total deposits of
      cashier's,certified,teller's, traveler's,and federal,state and local government checks will be available on the 1st
      business day after the day of Your deposit if the deposit meets certain conditions.For example,the checks must be
      payable to You.The excess over $5,000.00 will be available on the 9th business day after the day of Your deposit.If
      Your deposit of these checks(other than a U.S.Treasury check)is not made in person to one of
      Our employees,the first $5,000.00 will not be available until the 2nd business day after the day of Your
      deposit.Funds from all other check deposits will be available on the 15th business day after the day of Your
      deposit.
      ATM Check Deposits.If You make an ATM deposit prior to closing on a business day that We are open,We will
      consider that day to be the day of Your deposit.However,if You make an ATM deposit after closing or on a day that
      We are not open,We will consider the deposit made on the next business day We are open.For deposits made at
      ATMs owned and operated by OMNI Community Credit Union,deposits subject to delayed availability will become
      available for withdrawal on the 1st business day after the day of deposit for.For deposits made at ATMs not owned
      and operated by OMNI Community Credit Union,deposits subject to delayed availability will become available for
      withdrawal on the 5th business day after the day of deposit.
      Holds on Other Funds.If We cash a check for You that is drawn on another institution,We may withhold the
      availability of a corresponding amount of funds that are already in Your Account.Those funds will be available to
      You at the time that the funds from the check We cashed for You would have been available if You had deposited
      it.If We accept for deposit a check that is drawn on another institution,We may make funds from the deposit
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      available for withdrawal immediately but delay Your availability to withdraw a corresponding amount of funds that
      You have on deposit in another account with Us.The funds in the other account would then not be available for
      withdrawal until the time periods that are described elsewhere in this policy for the type of check that You
      deposited.
      Location of Check Endorsements.Federal law requires all check endorsements to be in the first 1-1/2 inches of
      the trailing edge of the back of the check.The trailing edge is opposite the left side of the face of the check,the side
      of the check just behind Our address.You will be responsible for any costs incurred by Us due to delays in
      returning checks deposited into Your Account that do not comply with the endorsement standards.
      Dividend Payment Policy.See the Account Disclosures section in these Agreements and Disclosures for Our policy
      on the payment of dividends.
                           SUBSTITUTE SHARE DRAFTS AND YOUR RIGHTS
      THIS IS YOUR SUBSTITUTE SHARE DRAFT POLICY DISCLOSURE AND INSTRUCTIONS.IT CONTAINS IMPORTANT
      INFORMATION CONCERNING OUR SUBSTITUTE SHARE DRAFT POLICY AND NECESSARY DISCLOSURES AS
      REQUIRED BY THE CHECK CLEARING FOR THE 21ST CENTURY ACT(12 CFR 229 ET SEQ)AND SPECIAL
      INSTRUCTIONS REGARDING YOUR RIGHT TO FILE FOR AN EXPEDITED REFUND.PLEASE BE CERTAIN TO READ
      THESE AGREEMENTS AND DISCLOSURES CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
      What is a substitute share draft? 
      To make share draft processing faster,federal law permits banks to replace original share drafts with"substitute
      share drafts."These share drafts are similar in size to original share drafts with a slightly reduced image of the
      front and back of the original share draft.The front of a substitute share draft states:"This is a legal copy of Your
      check. You can use it the same way You would Use the original check."You may use a substitute share draft as
      proof of payment just like the original share draft.
      Some or all of the share drafts that You receive back from Us may be substitute share drafts.This notice describes
      rights You have when You receive substitute share drafts from Us.The rights in this notice do not apply to original
      share drafts or to electronic debits to Your Account.However,You have rights under other law with respect to those
      transactions.
      What are my rights regarding substitute share drafts? 
      In certain cases,federal law provides a special procedure that allows You to request a refund for losses You suffer
      if a substitute share draft is posted to Your Account(for example,if You think that We withdrew the wrong amount
      from Your Account or that We withdrew money from Your Account more than once for the same share draft).The
      losses You may attempt to recover under this procedure may include the amount that was withdrawn from Your
      Account and fees that were charged as a result of the withdrawal(for example,bounced share draft fees).
      The amount of Your refund under this procedure is limited to the amount of Your loss or the amount of the
      substitute share draft,whichever is less.You also are entitled to dividends on the amount of Your refund if Your
      Account is a dividend-bearing Account.If Your loss exceeds the amount of the substitute share draft,You may be
      able to recover additional amounts under other law.
      If You use this procedure,You may receive up to $2,500 of Your refund(plus dividends if Your Account earns
      dividends)within 10 business days after We received Your claim and the remainder of Your refund(plus dividends if
      Your Account earns dividends)not later than 45 calendar days after We received Your claim.
      We may reverse the refund(including any dividends on the refund)if We later are able to demonstrate that the
      substitute share draft was correctly posted to Your Account.
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      How do I make a claim for a refund? 
      If You believe that You have suffered a loss relating to a substitute share draft that You received and that was
      posted to Your Account,please contact Us by telephone at the number shown herein,or write to Us at the address
      shown herein.You must contact Us within 40 calendar days of the date that We mailed(or otherwise delivered by a
      means to which You agreed)the substitute share draft in question or the Account statement showing that the
      substitute share draft was posted to Your Account,whichever is later.We will extend this time period if You were
      not able to make a timely claim because of extraordinary circumstances.
      Your claim must include-
          A description of why You have suffered a loss(for example,You think the amount withdrawn was incorrect);
          An estimate of the amount of Your loss;
          An explanation of why the substitute share draft You received is insufficient to confirm that You suffered a
          loss;and
          A copy of the substitute share draft and/or the following information to help Us identify the substitute share
          draft:the share draft number,the name of the person to whom You wrote the share draft,and the amount of
          the share draft
                                 WIRE TRANSFER AGREEMENT
      THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR
      ACCOUNT(S)WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST.WE WILL PROVIDE WIRE TRANSFER
      SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU,SUBJECT TO THE
      TERMS OF THIS AGREEMENT,WHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH
      US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED.
      This Wire Transfer Agreement applies to wire transfers that are not"Remittance Transfers"as defined in the
      Electronic Fund Transfer Act(15 U.S.C.1693o-1)and Regulation E,Subpart B(12 CFR 1005.30 et seq.).
      We are authorized to charge Your Account for the payment of wire transfer requests.If more than one Account(s)is
      designated,We may charge any of the designated Accounts unless You give Us specific written directions
      otherwise.Your transfer requests may involve the transfer of funds from any of Your designated Accounts with Us
      to another account You have with Us,to any other financial institution,or to a third party or account of a third party
      maintained with Us or any other financial institution.There are no restrictions or limitations on the amounts which
      may be ordered or requested,or on the location or address of the beneficiary of a transfer unless You give Us
      written instructions to the contrary.
      The party(ies)named in Your application for membership are the Authorized Persons who may issue payment
      orders to Us for the initiation of wire transfers or to receive telephone calls from Us,in accordance with this
      Agreement,for the purpose of confirming payment orders for the initiation of wire transfers which have been
      transmitted to Us under this Agreement for any Account designated in Your application for membership.For
      confirmation purposes,We may call any party designated in Your application for membership.If more than one
      Authorized Person is named,any one of them may issue payment orders on any designated Account.
      Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time
      by Us.We are not responsible for the accuracy of a routing number which You supply verbally and which is
      contained in Your wire transfer request.Wire transfer requests received by Us after Our cut-off hours may be
      treated as if received on the following business day.
      We have no obligation to accept or execute any wire transfer request.We will provide You telephonic notice of
      rejection.If We are unable to reach You by telephone,We may at Our option give You notice of rejection in writing.
      If We accept a wire transfer request consistent with this Agreement,You agree that any such transfer requests
      which We receive are effective as Your transfer request,whether or not authorized.
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      You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it.We will
      make a reasonable effort to act on a
      You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the
      mailing date on any statement or confirmation,of any discrepancy or error.If You fail to notify Us of any discrepancy
      or error within the required time period,You agree that We are not liable to pay dividends or reimburse You for any
      discrepancy or error in relation to a transfer request described in such statement or confirmation.
      You and the Credit Union agree that the following specified security procedures represent a commercially
      reasonable method of providing security against unauthorized payment orders:(a)Only individuals named in Your
      application for membership shall issue wire transfer requests to Us;and(b)We reserve the right to telephonically
      contact any individual named in Your application for membership for the purpose of confirming a transfer
      request,regardless of amount,although We have no obligation to do so.If We cannot obtain a confirmation
      satisfactory to Us,then We reserve the right to refuse to honor any wire transfer request.
      We have no responsibility to verify the identity of any party identifying themselves as an individual authorized to
      receive a telephonic confirmation of any wire transfer request,other than to verify that the name given by such
      party corresponds to a party named in Your application for membership.If,for any reason,We are not satisfied that
      a wire transfer request was issued by an authorized party or confirmed by an authorized party,We may refuse to
      execute the transfer request.If We do so,We shall not incur any liability of any nature.You agree to prevent
      disclosure,other than on a need-to-know basis,of any of the aspects of the security procedures which You have
      agreed to with Us.You will notify Us immediately if You believe the confidentiality of the security procedures has
      been compromised and You shall act to prevent the security procedures from being further compromised.
      We have no liability of any nature for delays or mistakes,provided We act in good faith and with reasonable
      care.We are not responsible for delays or mistakes caused by other parties through whom We transmit funds
      whether such other parties were selected by You or Us.We are not required to make a wire transfer on the day a
      wire transfer request is received,unless the wire transfer request is received within a reasonable time before any
      cut-off hour We have established.We will generally use the funds transfer system,but We may use any means and
      routes that We,in Our sole discretion,consider suitable for the transmission of funds.
      cancellation or amendment of a payment order made by You prior to the time that We execute such payment
      order,but We have no liability if Your cancellation or amendment is ineffective.
      You agree to re-execute this Agreement or to execute a new agreement if changes are necessary.Your application
      for membership designates any Account which may be charged in relation to wire transfer requests.All parties
      which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are
      identified in Your application for membership.All modifications or additions to Your application for membership
      must be in writing.
      You agree to pay Us the amount of any transfer request which We transmit pursuant to this Agreement when We
      execute a payment order to carry out Your wire transfer request.You will not make any wire transfer request which
      would cause You to exceed the available balance in the Account designated to pay the transfer request.If a
      payment order is executed which creates an overdraft,with or without Our prior consent,You agree to pay Us the
      overdraft amount and any overdraft fee immediately upon Our demand.We have the right to set-off the amount of
      any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under
      any agreements which grant Us security for the payment of Your liabilities or obligations to Us.
      You understand and agree that the payment of a wire transfer request may be made by Us or any other financial
      institution used to carry out the transfer request on the basis of an identifying or account number which You have
      provided for a beneficiary,even if the number identifies a person different from Your intended beneficiary.You also
      understand and agree that We or any other financial institution used to carry out a transfer request,may rely on
      the identifying number of the intermediary or beneficiary's financial institution which You have provided as the
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      proper identification of the intermediary or beneficiary's financial institution,even if the number identifies a
      financial institution different from the one You intended to identify.We or any other financial institution are not
      responsible for determining whether any identifying or account numbers You have provided to initiate a wire
      transfer are accurate.You will be liable to Us for the amount of any transfer request even if payment of the
      transfer request is made to a person different from the named beneficiary based upon the beneficiary's identifying
      or account number provided by You or payment of the transfer request is made to a financial institution different
      from the one identified by name based on the identifying number which You have provided to Us.
      You agree that We have no liability and are not responsible for any delay or failure to transfer any amount specified
      in any wire transfer request because of rules, regulations, or policies of the Federal Reserve Board which limits, in
      the aggregate, the amount We can transfer from time to time during any business day, provided, however, that We
      will promptly notify You of any such failure or delay and will effectuate the transfer as soon as is reasonably
      possible.
      We shall have no liability whatsoever for any special, consequential, punitive, or indirect loss or damage suffered
      by You in connection with services offered by Us which are subject to this Agreement, regardless of whether We
      know or should have known such damages might be incurred. We have no responsibility for any attorneys'fees that
      You might incur.
      We may terminate this Agreement at any time by giving written or oral notice to You.Unless We terminate this
      Agreement,the Agreement shall remain in effect until We receive written notice of termination from You and have
      been afforded a reasonable opportunity to act on Your termination notice.You may not assign this Agreement to
      any other party.
      This Agreement is governed by the provisions of Regulation J,12 CFR Part 210,Subpart B,including the
      Appendices,to the extent that any wire transfer request is carried out.Terms which are not defined in this
      Agreement shall have the same meaning as defined in the Uniform Commercial Code Article 4A.This Agreement is
      also subject to all applicable Operating Circulars of the Federal Reserve Bank in the district in which We are
      located and any other applicable provisions of federal or state law.To the extent that Regulation J does not apply to
      this Agreement,this Agreement shall be governed by the laws of the state in which We are chartered.
      We may amend this Agreement,from time to time,by sending You a copy of any amendment at least 30 days prior
      to its effective date.This Agreement may also be amended by a writing signed by You and Us.No representation or
      statement not expressly contained in this Agreement or in any amendment shall be binding upon You or Us.
      If any provision of this Agreement is prohibited by applicable law,such prohibition shall apply only to that provision
      and all other provisions of the Agreement shall remain in full force and effect.
       OMNI Community Credit
       Union                  CREDIT LINE ACCOUNT AGREEMENT AND FEDERAL
       P.O.Box 1537                      DISCLOSURE STATEMENT
       Battle Creek,MI 49016  THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES
       (269)441-         NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE
       1400�(866)OMNI-WOW STATEMENTS,CASHBACK MASTERCARD PLATINUM AND CASHBACK
                         MASTERCARD PLATINUM REWARDS AGREEMENTS,AND ANY SPECIAL
                         INSTRUCTIONS REGARDING THE USE OF YOUR CASHBACK MASTERCARD
                         PLATINUM AND CASHBACK MASTERCARD PLATINUM REWARDS CREDIT
                         CARDS,AND/OR ANY OTHER ACCOUNT ACCESS DEVICE.PLEASE BE CERTAIN TO
                         READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS
                         ARE UNCLEAR.
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       Interest Rate and Interest Charges
       Annual Percentage Cashback Mastercard Platinum:8.99-17.99%
       Rate(APR)For Purchases
                         Cashback Mastercard Platinum Rewards:9.99-15.99%
       Annual Percentage Cashback Mastercard Platinum:8.99-17.99%
       Rate(APR)For Balance
                         Cashback Mastercard Platinum Rewards:9.99-15.99%
       Transfers
       Annual Percentage Cashback Mastercard Platinum:8.99-17.99%
       Rate(APR)For Cash
                         Cashback Mastercard Platinum Rewards:9.99-15.99%
       Advances
                         Cash Reserve Line of Credit:
       Penalty APR And When it 18.00%
       Applies
                         This APR may be applied to Your Mastercard Feature Category if: 
                         1)You make a late payment.
                         Long Will The Penalty APR Apply?If Your APRs are increased for this reason,the
                         Penalty APR may be applied indefinitely unless 6 consecutive payments are
                         received on or before the due date during the six-month period following such
                         increase.
       Paying Interest   For Mastercard,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 cash advances and balance
                         transfers on the transaction date.
       For Credit Card Tips To learn more about factors to consider when applying for or using a Credit
       from the Consumer Card,visit the website of the Consumer Financial Protection Bureau
       Financial Protection atwww.consumerfinance.gov/learnmore
       Bureau            (http://www.consumerfinance.gov/learnmore).
       Fees
       Transaction Fees  For Mastercard,1.00%of each foreign currency transaction in U.S.dollars. 
                         For Mastercard, 1.00%of each U.S. Dollar transaction that occurs in a foreign
           Foreign
                         country.
           Transaction
       Penalty Fees      For Mastercard,up to$25.00 
                         For Mastercard,up to$25.00 
           Over-the-Credit
                         Except for Mastercard,the greater of5.00%of the payment due or$15.00
           Limit
           Late Payment
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      How We Will Calculate Your Balance:For all Feature Categories(except Mastercard),We use a method called"daily
      balance."For Mastercard,We use a method called"average daily balance (including new purchases)."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.
      In this Agreement,the reference to"We,""Us,""Our"and"Credit Union"mean OMNI COMMUNITY 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 Cashback Mastercard Platinum or Cashback Mastercard Platinum Rewards 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,Check 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 Cash Reserve Line of Credit(including Overdraft
      Protection),Cashback Mastercard Platinum and Cashback Mastercard Platinum Rewards.
       Account Feature Categories Daily Periodic Rate Monthly Periodic Rate ANNUAL PERCENTAGE RATE
       Cash Reserve Line of Credit
       Cashback Mastercard Platinum            0.749% - 1.499% 8.99% - 17.99%
       Cashback Mastercard Platinum Rewards    0.833% - 1.333% 9.99% - 15.99%
      ADVANCES.Whenever You request a transaction, We may require You to prove Your identity. Advances made on
      Your Account will be processed according to the instructions You give Us (such as by wire transfer, direct transfer
      to Your Credit Union account or by other such means) and You authorize Us to do this, or We may draw a draft or
      check made payable to You and mail it to You. When the amount advanced appears on a subsequent statement,
      that will 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 the provision of this Agreement"Your Billing Rights: Keep this
      Document for Future Use."
      You will keep Your unpaid balance within Your Credit Limit set by Us, and You will pay any amount over Your Credit
      Limit on Our demand whether or not We 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 available during any time that
      any aspect of Your Account is in default.
      JOINT ACCOUNTS.Each Borrower will be responsible, jointly and severally, for the repayment of any amounts
      owed. If any Account access device, such as a Personal Identification Number (PIN) is requested and approved,
      You understand that any such Account access device(s) will be mailed only to the primary Borrower at the address
      that We have on file for You. We may refuse to follow any instructions which run counter to this provision.
      MINIMUM MONTHLY CONTRACTUAL PAYMENTS (PAYMENT SCHEDULE).Though You need only pay the Minimum
      Monthly Contractual Payments, You understand that You 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 Your entire balance.
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      You may make larger payments without penalty. Any partial payment or prepayment will not delay Your next
      scheduled payment. All payments to Us must be in lawful money of the United States. For all Feature Categories
      (except Mastercard), payments will be applied first to any Late Charges owing, then to the Finance Charge due,
      then to the outstanding principal balance billing cycle and divide them by the number of days in the billing cycle.
      The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance
      Charge by the Monthly Periodic Rate.
      You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month
      within 25 days of Your statement closing date. Otherwise, the new balance of purchases, and subsequent
      purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash advances and
      balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your
      Account or from the first day of the billing cycle in which the cash advance is posted to Your Account.
      OVERDRAFT PROTECTION.We may transfer funds in multiples of $100.00 (or in such increments as We may from
      time to time determine) to Your share draft account by an advance on Your Cash Reserve Line of Credit Feature
      Category, subject to this provision, to clear any Overdraft on Your share draft account. Whether or not such
      transfers occur will be controlled by this Agreement. In any event, You hold Us harmless for any and all liability
      which might otherwise arise if the transfer does not occur. Overdraft protection automatically ceases if this
      Agreement is ever cancelled or terminated or Your Account is in default.
      PERIODIC STATEMENTS.On a regular basis, You will receive a statement 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 there is a debit or credit balance or when a Finance Charge is imposed. We need not send You a
      statement if We feel Your Account is uncollectible or if We have started collection proceedings against You
      because You defaulted. EACH STATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT UNLESS
      YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.
      OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS.We are under no obligation to honor Your
      Convenience Checks if: (1) by paying a Convenience Check, You would exceed Your Credit Limit; (2) Your Cards or
      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, as a result, any other Convenience Check is returned unpaid, We are not
      responsible for any resulting loss or liability.
      DEFAULT.You will be in default if: (a) You do not make any payment or perform any obligation under this
      Agreement, or any other agreement that You may have with Us; or (b) You should die, become involved in any
      insolvency, receivership or custodial proceeding brought by or against You; or (c) You have made a false or
      misleading statement in Your credit application and/or in Your representations to Us while You owe money on Your
      Account; or (d) A judgment or tax lien should be filed against You or any attachment or garnishment should be
      issued against 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, in good faith, believe Your ability to repay Your
      indebtedness hereunder is or soon will be impaired, time being of the very essence.
      Upon any occurrence of default, We may, to the extent permitted by law, cancel Your rights under this Agreement,
      require the return of all access devices and declare the entire balance of every Feature Category of Your Account
      immediately due and payable, without prior notice or demand.
      COLLECTION COSTS.In the event collection efforts are required to obtain payment on this Account, to the extent
      permitted by law, You agree to pay all court costs, private process server fees, investigation fees or other costs
      incurred in collection and actual attorneys' fees incurred in the course of collecting any amounts owed under this
      Agreement or in the recovery of any Collateral.
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      ENFORCEMENT.We do not lose Our rights under this or any related agreement if We delay enforcing them. We can
      accept late payments, partial payments or any other payments, even if they are marked "paid in full" without losing
      any of Our rights under this Agreement. If any provision of this or any related agreement is determined to be
      unenforceable or invalid, all other provisions remain in full force and effect.
      NOTIFICATION OF ADDRESS CHANGE.You will notify Us promptly if You move or otherwise have a change of
      address.
      CHANGE IN TERMS.We may change the terms of this Agreement by mailing or delivering to You written notice of
      the changes as prescribed by the Federal Truth-In-Lending Act. To the extent permitted by law, the right to change
      the terms of this Agreement includes, but is not limited to, the right to change the periodic rate applicable to Your
      unpaid balance and/or future advances.
      CREDIT INSURANCE.Credit insurance is not required for any extension of credit under this Agreement. However,
      You may purchase any credit insurance
      TRANSACTION SLIPS.Your monthly statement will identify that merchant, electronic terminal or financial
      institution at which transactions were made, but sales, cash advance, credit or other slips cannot be returned with
      the statement.
      LATE CHARGE.If Your payment is one or more days past due, You will be charged the lesser of: (a) the amount of
      the minimum payment due; or (b) $25.00.
      OVER-THE-CREDIT LIMIT FEE.If You have affirmatively consented to allow Us to pay a transaction that would
      exceed Your Credit Limit and We have acknowledged Your consent as required by applicable law, subject to any
      limitations imposed by applicable law, You will be charged a fee for each billing cycle during which You exceed
      Your Credit Limit. The fee will be an amount equal to the lesser of: (a) $25.00; or (b) the amount by which You have
      exceeded Your Credit Limit.
      Mastercard PENALTY RATE.If Your Mastercard Feature Category is more than 60 days past due, subject to
      applicable law, the Monthly Periodic Rate applicable to Your entire balance of transactions existing at that time
      and in the future will increase to 1.50% (corresponding ANNUAL PERCENTAGE RATE18.00%).
      During the six month period following the effective date of the increase, upon receipt of the first six consecutive
      required minimum periodic payments when due, the rate will be returned to the standard rate that would have
      otherwise been in effect.
      LOST CARDS OR CONVENIENCE CHECKS.To report lost or stolen Credit Cards or Convenience Checks, You will
      immediately call Us during regular business hours at (800) 828-3901, and after hours, on weekends and holidays
      at (800) 991-4961. You may also write to Us at the address shown in this Agreement.
      CREDITS.If a merchant who honors Your Card gives You credit for returns or adjustments, they will do so by
      sending Us a slip which will be posted to Your 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 or more refund it on
      Your written request or automatically deposit it to Your Share Account after six months.
                         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 Our address shown in this Agreement. In Your
      letter, give us the following information:
          Account information:Your name and Account number.
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          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.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.
      As permitted by law,Mastercard payments will be applied in an order of Our choosing and any amounts paid in
      excess of the Minimum Monthly Payment will first be applied to the balance bearing the highest rate of
      interest,and then to each successive balance bearing the next highest rate of interest,until the payment is
      depleted.
      Any unpaid portion of the Finance Charge will be paid by subsequent payments and will not be added to Your
      principal balance.You understand that any delay in the repayment of Your unpaid balance will increase Your
      periodic Finance Charges and any acceleration in the repayment of Your unpaid balance will decrease Your
      periodic Finance Charges.
      Cash Reserve Line of Credit Minimum Monthly Contractual Payments will be established and fixed on the first day
      of the calendar month immediately following each advance at an amount equal to 3.00%of Your then outstanding
      balance,subject to the lesser of $25.00 or Your balance.
      Cashback Mastercard Platinum and Cashback Mastercard Platinum Rewards Minimum Contractual Payments will
      be an amount equal to 2.00%of Your new unpaid Cashback Mastercard Platinum or Cashback Mastercard
      Platinum Rewards balance at the end of each billing cycle,subject to the lesser of $25.00 or Your balance,plus any
      portion of the Minimum Payments shown on prior statement(s)which remains unpaid,plus any amount that
      exceeds Your approved Credit Limit.
      You may,by separate agreement,authorize Us to charge Your payment directly to Your Share or Share Draft
      Account.
      LATE CHARGE-CASH RESERVE LINE OF CREDIT.For Cash Reserve Line of Credit,if Your payment is 15 or more
      days past due,You will be charged the greater of 5.00%of the payment due or $15.00.
      FINANCE CHARGES-CASH RESERVE LINE OF CREDIT.For Cash Reserve Line of Credit,a Finance Charge will be
      assessed on any unpaid principal balance for each Feature Category of Your Account for the period such balance is
      outstanding.Balances change each time advances are made,payments are made or credits given under any
      Feature Category.The Finance Charge begins to accrue on the date of each advance and there is no grace period.
      HOW TO DETERMINE THE FINANCE CHARGE-CASH RESERVE LINE OF CREDIT.For Cash Reserve Line of
      Credit,the Finance Charge is determined by 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 is the balance each day after
      payments,credits,and unpaid Finance Charges to that balance have been subtracted and any new
      advances,insurance premiums or other charges have been added to Your unpaid balance.These daily Finance
      Charges are then added together and the sum is the amount of the Finance Charge owed for the Feature Category
      being accounted for.The total Finance Charge You owe on Your Account for each billing cycle is the sum of all the
      Finance Charges due for all applicable Feature Categories.
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      Mastercard FINANCE CHARGES.In the case of any transactions under Your Cashback Mastercard Platinum or
      Cashback Mastercard Platinum Rewards Feature Categories,the balances subject to the periodic Finance Charge
      are the average daily transaction balances outstanding during the month(including new transactions).To get the
      average daily balance,We take the beginning balance of Your Account each day,add any new purchases,cash
      advances,insurance premiums,debit adjustments or other charges and subtract any payments,credits and unpaid
      Finance Charges.This gives Us the daily balance.Then,We add up all the daily balances for the available through
      Us and have the premiums added to Your outstanding balance.If You elect to do so,You will be given the necessary
      disclosures and documents separately.
      INTEGRATED DOCUMENTS.Any separate sheet of paper labeled "Additional Disclosure - Federal Truth-In-Lending
      Act." and/or "Credit Line Account Advance Request and Security Agreement" which is delivered together with this
      Agreement or at a later date becomes an integrated part of this Agreement and Disclosure.
      CONSENT TO AGREEMENT.You acknowledge receipt of a copy of this Agreement.By signing the application;or by
      using Your Account or any Account access device;or by authorizing another to use Your Account,You agree to and
      accept its terms.
      UPDATING AND DISCLOSING FINANCIAL INFORMATION.You will provide facts to update information contained in
      Your original Account application or other financial information related to You,at Our request.You also agree that
      We may,from time to time,as We deem necessary,make inquiries pertaining to Your employment,credit standing
      and financial responsibility in accordance with applicable laws and regulations.You further agree that We may give
      information about the status and payment history of Your Account to consumer credit reporting agencies,a
      prospective employer or insurer,or a state or federal licensing agency having any apparent legitimate business
      need for such information.
      TERMINATION.Either You or We may cancel Your Account or any particular Feature Category of Your Account,at
      any time,whether or not You are in default.You will,in any case,remain liable to pay any unpaid balances according
      to the terms of Your Account.
      GOVERNING LAW.This Agreement is controlled and governed by the laws of the State of Michigan except to the
      extent that such laws are inconsistent with controlling federal law.
       SPECIFIC TERMS APPLICABLE TO YOUR CASHBACK MASTERCARD PLATINUM AND CASHBACK MASTERCARD
                               PLATINUM REWARDS CREDIT CARDS
      USE OF YOUR CARD.You may use Your Card to buy goods and services in any place that it is honored and to get
      cash advances at participating financial institutions. You agree not to use Your Card for illegal transactions
      including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices
      are in violation of applicable state and/or federal law.
      OWNERSHIP.Your Card remains Our property and may be canceled by Us at any time without notice. You agree to
      surrender Your Card and to discontinue its use immediately upon Our request.
      ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER.We will issue, upon Your request, a Personal Identification
      Number (PIN) for use with participating Automated Teller Machines (ATMs). This PIN is confidential and should not
      be disclosed to anyone. You may use Your PIN to access Your Account and all sums advanced will be added to Your
      Account balance. In the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and conditions
      of Your Electronic Fund Transfer Agreement may also affect Your rights.
      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 Agreement is the contract which solely applies to all transactions involving the
      Card.
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      UNAUTHORIZED USE.You may be liable for the unauthorized use of Your Card. You will not be liable for the
      unauthorized use that occurs after You notify Us of the loss, theft, or possible unauthorized use by calling Us
      during regular business hours at (800) 828-3901, and after hours, on weekends and holidays at (800) 991-4961. You
      may also write to Us at the address shown in this Agreement. In any case, Your liability will not exceed $50.00.
      REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS.We are not liable for the refusal or inability of
      merchants, financial institutions and others to accept the Cards or Convenience Checks, or electronic terminals to
      honor the Cards or complete a Card withdrawal, or for their retention of the Cards or Convenience Checks.
      FOREIGN TRANSACTIONS.For transactions initiated in foreign countries and foreign currencies, the exchange rate
      between the transaction currency and the billing currency (U.S. dollars) will be: (a) a rate selected by Mastercard
      from the range of rates available in wholesale currency markets for the applicable central processing date, which
      rate may vary from the rate Mastercard itself receives; or (b) the government-mandated rate in effect for the
      applicable central processing date. In each instance, You will be charged a fee in an amount equal to 1.00% of the
      settlement amount.
      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 $50.00 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 $50.00. (Note: Neither of these are necessary if Your
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          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 at Our
      address shown in this Agreement.
      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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