VISA� CARDHOLDER AGREEMENT 
      
     In this agreement, the words �you� and �your� mean the cardholder or holders and anyone else you authorize to use the 
     credit card account.  The words �we�, �us� or �our� mean Eastman Credit Union.  The word �account� means your Visa� 
     credit card line of credit. 
      
     1. OTHERS USING YOUR ACCOUNT. You agree to be responsible for all obligations incurred through the authorized 
     use of the account.  Use of the account by you or by anyone for your benefit, or with your actual, implied or apparent 
     authority shall be authorized use.  Until you notify us in writing to the contrary, use of the account by your spouse or 
     children or any person who is a member of your immediate household shall be an authorized use. 
      
     2. AGREEMENT TO TERMS.  In accordance with your request, we have opened an account for you.  Your signature on 
     the application, your retention of the Card, and/or your use of the account in any way means you agree to the terms of this 
     Agreement and the provisions of the Card itself.  This Agreement governs your Account and use of the Card we have 
     issued to you.  We will pay member merchants for goods and services you obtain by use of the Card and make other 
     loans to you on terms explained later in this Agreement.  You authorize us to charge your Account for all such amounts, 
     and for other amounts advanced to third parties on your behalf.  This includes without limitation, any amounts we advance 
     on your behalf as a result of any Card related services offered by Visa U.S.A., Inc. 
      
     3. PROMISE TO PAY.  You promise to pay the total amount owed for any goods and services purchased or cash 
     advances obtained through the authorized use of the Account. You also promise to pay any FINANCE CHARGES, fees or 
     other charges you owe.  If your Account is a joint account, you and your joint account holder each promise to pay and are 
     jointly and individually responsible for all amounts due on the Account.   We may issue additional Cards to other persons 
     you authorize to use your Account if either Borrower asks us to do so.  However, you are responsible for all charges made 
     by any person(s) you have authorized to use your account.   
      
     4. CREDIT LINE.  You will be notified of your Credit Line (limit).  You promise that the total balance of purchases and 
     cash advances will not exceed that limit.  You may request an increase in your Credit Line, which must be approved by 
     our credit committee or loan officer.  By giving you written notice our credit committee may change your interest rate from 
     time to time, or with good cause, may change your Credit Line or revoke your card and terminate this agreement.  Good 
     cause includes your failure to comply with this Agreement, or our reevaluation of your creditworthiness.  You may also 
     terminate this Agreement at any time but termination by either of us does not affect your obligation to pay the account 
     balance.  The cards remain our property and you must recover and surrender to us all cards upon our request and upon 
     termination of this Agreement.  (Cut them in half for safety.) 
      
     5. MINIMUM PAYMENTS.  You can make full payment at any time.  If you don't, you must make the minimum payment 
     shown on your statement within 25 days of the closing date reflected on the statement.  Your minimum payment will be 
     2.5% of your new balance as shown on your statement, but at least $25.00.  However, if the new balance as shown on 
     your statement is less than $25.00 you pay only the balance owed. 
      
     6. IRREGULAR PAYMENTS.  You agree that we may accept partial payments of amounts due or late payments without 
     losing any of our rights under this Agreement.  You also agree that we may accept checks and money orders marked 
     "payment in full" or otherwise purporting to be in full satisfaction of your outstanding balance without accepting any such 
     condition or losing any of our rights in this Agreement. 
      
     7. HOW WE APPLY YOUR PAYMENTS.  Loan payments are applied in the following order: unpaid finance charges, 
     previously billed miscellaneous charges (i.e. Late Fee(s), Debt Protection Premium(s), if applicable), and principal 
     reduction.  The principal reduction portion of the payment is credited to balances in the following order:  cash advance, 
     balance transfer, and finally purchases.    
      
     8. FINANCE CHARGES.  You can avoid FINANCE CHARGES (interest) on purchases by paying the full amount of the 
     New Balance of Purchases 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 are always subject to a FINANCE CHARGE from the date they are posted to your account.  
     FINANCE CHARGES are calculated using the average daily principal balances of purchases and cash advances in the 
     account.  The principal balances of purchases and cash advances are determined each day during the statement period, 
     beginning with the principal portion of your Previous Balances, reduced by payments you make and credits we apply, and 
     increased by purchases and cash advances you make and debit adjustments we make during the statement period.  The 
     daily principal balances are totaled, and divided by the number of days in the statement period, to produce separate 
     average daily principal balances for purchases and cash advances to which the periodic rate is then applied.    
      
     9A. VARIABLE RATE ACCOUNTS. If your Visa account has a variable rate, your interest rate is based on the Prime 
     Rate published in the Wall Street Journal on the last business day of the month plus a margin that is based on your 
     creditworthiness. Your interest rate will change if the Prime Rate changes.  Any changes in your interest rate will affect the 
     amount of interest you pay and your minimum payment.  The interest rate will be adjusted on the first business day 
     following your next statement date.  If two rates are reported in the Journal, the higher rate will be used.  Your maximum 
     percentage rate can be 18.00% (Daily periodic rate 0.04932%).  Any request for a change in your account could result in 
     a change in your rate and terms.  Please contact ECU for a copy of current rate information, or see your notification of 
     cardholder approval for your rate. 
      
     9B. FIXED RATE ACCOUNTS. If your Visa account has a fixed rate, Eastman Credit Union will set the ANNUAL 
     PERCENTAGE RATE based on your creditworthiness.  Your fixed ANNUAL PERCENTAGE RATE is between 9.90% 
     (Daily periodic rate 0.02712%) and 18.00% (Daily periodic rate 0.04932%).  (See your notification of cardholder approval 
     for your rate.)     
      
     10. DISPUTES.  You agree to accept monthly statements we mail you as being correct unless you notify Eastman Credit 
     Union (423-229-8200 or 800-999-2328) of any alleged errors within the time period prescribed by law.  Your rights to 
     dispute billing errors are set forth in this Agreement.  Even though an amount is in dispute you understand that you must 
     pay the required minimum payment that is due less the portion attributable to the disputed amount.   
      
     11. FAILURE TO HONOR CARD.  We are not responsible if anyone refuses to honor the Card.  If there is a problem with 
     merchandise or services obtained with the Card, you may have the right not to pay the remaining amount due on them.  
     An explanation of your rights is stated later in this agreement.  We will have no responsibility for merchandise or services 
     purchased with the Card unless required by law. 
      
     12. CHANGE OF NAME, ADDRESS OR EMPLOYMENT.  You agree to give us your new information if you move, 
     change your name or change your employment.  You will write this information on the payment stub of your periodic 
     statement and return it with your monthly payment so we can change our records. 
      
     13. FINANCIAL AND OTHER INFORMATION.  You agree to promptly provide us, from time to time upon request, with 
     current information regarding you and your financial affairs.  You authorize us to receive, from time to time, information 
     from others concerning you and your credit accounts, and to answer questions from others regarding our credit 
     experience with you. 
      
     14. LOST OR STOLEN CARD/UNAUTHORIZED USE.  If you report your card as lost/stolen or having been used without 
     authorization upon discovering the loss, your liability is zero.  There may be exceptions to the extent allowed under 
     applicable law if our investigation reveals you failed to take necessary steps to prevent unauthorized use of your card. 
      
     You agree to notify us promptly of the loss, theft, or possible unauthorized use of the Card by calling the following 
     number(s): (Call collect if necessary) 423-229-8200 or 1-800-999-2ECU. 
      
     15. NOTICES.  If we have to notify you of anything concerning your credit card account, we will use your name and 
     address as it appears in our records.  If we do this, the notice will be effective. 
      
     16. AUTOMATED EQUIPMENT.  Transactions effected with electronic equipment shall be subject to the rules and 
     regulations applicable to the use of such equipment.  You agree that we will incur no liability by reason of any failure of 
     automated teller machines or similar equipment. 
      
     17. SECURITY INTEREST.  To secure your account, you grant us a purchase money security interest under the Uniform 
     Commercial Code in any goods you purchase through the account.  You have also granted us a security interest in all 
     individual and joint share and/or deposit accounts you have with us now and in the future with the exception of Individual 
     Retirement Accounts or other similar accounts receiving special tax treatment. Collateral securing other loans may also 
     secure this account.   
      
     18.  DEFAULT.  You will be in default if you fail to make any payment when due, exceed your credit limit under any 
     account, die, file or otherwise become subject to any bankruptcy or insolvency proceedings or do not comply with any of 
     the terms governing any account with us.  If you default, we may, at our option, declare any amounts you owe under any 
     or all accounts to be immediately due and payable.  Also, we may revoke the privileges attaching to any or all Card(s), 
     adjust the Annual Percentage Rate due to adverse conditions, cancel the Card(s) and terminate this Agreement as to 
     future Purchases and Cash Advances. 
      
     19.  COLLECTION COSTS.  You promise to pay all collection costs, including attorneys� fees in the amount of 25% of the 
     outstanding balance on your account or as permitted by law.   
      
     20.  RETURNS AND ADJUSTMENTS.  Merchants and others who honor the Card may give credit for returns or 
     adjustments, and they will do so by sending us a credit slip which we will post to your account.  If your credits and 
     payments exceed what you owe us, we will deposit the excess funds in your regular share account no later than 6 months 
     after the statement date following the excess credit or payment.  If you want ECU to deposit the excess funds in your 
     regular share account sooner, you may contact ECU at 800-999-2328. It is the seller's responsibility to promptly mail or 
     deliver the credit to us so we can credit your account.  We aren't responsible for the seller's failure to mail or deliver the 
     credit promptly.   
      
     21. LATE/COLLECTION CHARGE.  You promise to pay a late/collection charge if we have not received the minimum 
     payment within 15 days after the end of your permitted 25-day payment period. (The permitted 25-day payment period is 
     explained under the "Minimum Payments" section.) The late/collection charge will be $25.00 or an amount equivalent to 
     your monthly minimum payment, whichever is less.  However, you will not be required to pay a late/collection charge more 
     than once on the same late amount, even if that amount remains past due for more than one billing period.  You agree not 
     to use your account to make purchases or cash advances from the time a late/collection charge is imposed until you bring 
     your account current by making the minimum payment which you have failed to make. 
      
     22.  DRAFTS/BALANCE TRANSFERS.   We may issue Drafts for use with your Account or process balance transfer 
     requests on your Account.  The amount of each Draft or balance transfer will be charged to your Account as a Cash 
     Advance.  There is no charge for supplying Drafts or processing balance transfer requests.  Drafts must be used only by 
     the account holder and must be completed and signed in the same way as a regular personal check.  You may use the 
     Drafts issued the way you use regular checks, however, you cannot use a draft to pay any amount owed under the 
     Agreement.  We reserve the right to refuse payment of any Draft presented under the following circumstances:  
      
           (a) If you are in default under this Agreement. 
           (b) If your right to use Drafts is cancelled or suspended. 
      
     23. CHANGES IN AGREEMENT.  You agree that the terms of this Agreement may be changed from time to time upon 
     notice, when required by law, being placed in the mail not less than 45 days prior to the effective date of the change.  Any 
     such changes shall be applicable to all balances outstanding on the effective date of the change. 
      
     24.  INVALIDITY.   If one or more provisions of this agreement are declared invalid or unenforceable, the remaining 
     conditions and terms stand on their own and won't be affected. 
      
     25.  WHAT LAW APPLIES?  This agreement and all transactions under it will be governed by laws of the State of 
     Tennessee and the laws of the United States.     
      
      26.  ILLEGAL TRANSACTIONS.  You agree that you will not use your Account/Card to engage in any illegal activities, 
     including but not limited to Online Gambling.  If you use your Account/Card to engage in any illegal activities you will 
     nevertheless be liable for these activities. 
      
     27.  CHARGES MADE IN FOREIGN CURRENCY (International transactions).  If you incur a charge in foreign 
     currency, it will be billed to your account in U.S. Dollars.  The exchange rate between the transaction currency and the 
     billing currency used for processing international transactions is a rate selected by Visa from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself 
     receives or the government-mandated rate in effect for the applicable central processing date.  You will also be assessed 
     an International Service Assessment fee (ISA fee) by Visa.  This fee is imposed by Visa operating regulations for 
     international transactions.  The ISA fee may be either a 0.8% currency exchange fee for single currency transactions 
     (transactions made internationally without a currency conversion) or a 1% currency exchange fee for multi-currency 
     international transactions (transactions made internationally that require a currency conversion).  The ISA fee is added to 
     the amount of the purchase, cash advance, or credit and is retained by Visa.  This fee will post to your account as a 
     separate transaction.  Please note that a credit to your account may not be fully offset due to changes in the exchange 
     rate; therefore, you will be responsible for the difference. 
      
     28.  CASH REWARDS PROGRAM.  Applicable only if you have the ECU Cash Rewards Visa.  You will earn one percent 
     (1%) cash back (the �Cash Reward�) on Net Purchases made with the Card. Net purchases are earned based on new net 
     retail transactions ("Net Purchases" i.e. purchases less credits, returns and adjustments) charged to the Account during 
     each periodic billing cycle. When a purchase or transaction is not a whole dollar amount, any fraction equal to or greater 
     than $0.50 will be rounded up to the nearest whole dollar and any fraction equal to or less than $0.49 will be rounded 
     down to the nearest whole dollar. Transactions that are not eligible for Cash Rewards include, but are not limited to, cash 
     advances including ATM withdrawals, money orders, balance transfers, convenience checks, drafts, fees, interest 
     charges and travelers check purchases.  Earned Cash Rewards will be itemized on your periodic statement and will 
     indicate total amount of cash  rewards earned during the statement month and total amount of cash  rewards available for 
     redemption. We reserve the right to exclude from Net Purchases unauthorized Purchases (or which are later returned or 
     disputed) and Purchases which are added to your Account after you are past due or over limit. We reserve the right to add 
     other transactions to the list of ineligible transactions at our discretion and at any time. Any questions regarding eligibility 
     of transactions shall be determined by us in our sole discretion. This program is void where prohibited or restricted by law. 
     You are responsible for any federal, state or local income or other taxes. We reserve the right to modify, amend or 
     terminate the Cash Rewards Program at any time. 
      
     29.  CASH REWARDS REDEMPTION.  Applicable only if you have the ECU Cash Rewards Visa.  You may request 
     reward redemption at any point after reward amount reaches $25.00. Rewards will not be given in an amount less than 
     $25.00. Reward shall be deposited by ACH into your share account. Rewards shall be requested through 
     www.scorecardrewards.com or via a request to us. Your Account must be open and in good standing at the time of 
     redemption. We reserve the right to suspend your participation in the Cash Rewards Program until your Account is in 
     good standing. 
      
     30.  USE OF CARD.  Use of the card signifies agreement to the current conditions set forth by the financial institution.   
      
      
     Interest Rates and Interest Charges 
                    CLASSIC & GOLD        CLASSIC & GOLD          PLATINUM  
                       FIXED               VARIABLE�              PREFERRED� 
                Eastman Credit Union will set  Based on Prime Rate plus a  FIXED 
                your fixed APR based on your  margin based on your     
      PROGRAM   creditworthiness.  You will be  creditworthiness.  You will be 
                informed of your specific APR  informed of your specific APR 
                   before you become  before you become contractually 
                 contractually liable for the  liable for the account.  Your 
                      account.         interest rate may change. 
                                                
                   Minimum fixed rate     APR may vary.          Low fixed rate 
        Annual                              Currently 
                      10.90%                                       9.90% 
      Percentage 
                 to a Maximum fixed rate   8.00% to 
      Rate (APR)� 
         for          18.00%                17.00% 
       Purchases  Based on creditworthiness  Based on creditworthiness 
                   Minimum fixed rate     APR may vary.          Low fixed rate 
        APR�                                Currently 
                      10.90%                                       9.90% 
         for 
                 to a Maximum fixed rate   8.00% to 
        Balance 
       Transfers      18.00%                17.00% 
                 Based on creditworthiness  Based on creditworthiness 
                   Minimum fixed rate     APR may vary.          Low fixed rate 
        APR�                                Currently 
                      10.90%                                       9.90% 
         for  
                 to a Maximum fixed rate   8.00% to 
        Cash 
       Advances       18.00%                17.00% 
                 Based on creditworthiness  Based on creditworthiness 
      Penalty APR                                                      
      and When It       NA                    NA                     NA 
       Applies 
                 Your due date is at least 25                          
                 days after the close of each  Your due date is at least 25 days  Your due date is at least 25 days 
                 billing cycle.  We will not  after the close of each billing  after the close of each billing 
       PAYING    charge you any interest on  cycle.  We will not charge you any  cycle.  We will not charge you any 
       INTEREST  purchases if you pay your  interest on purchases if you pay  interest on purchases if you pay 
                entire balance by the due date  your entire balance by the due  your entire balance by the due 
                 each month.  We will begin  date each month.  We will begin  date each month.  We will begin 
                 charging interest on cash  charging interest on cash  charging interest on cash 
                  advances and balance  advances and balance transfers  advances and balance transfers 
                transfers on the transaction  on the transaction date.  on the transaction date. 
                        date. 
       Minimum                                                         
       Interest         NA                    NA                     NA 
        Charge 
       For Credit  To learn more about factors  To learn more about factors to  To learn more about factors to 
       Card Tips  to consider when applying for  consider when applying for or  consider when applying for or 
       from the  or using a credit card, visit the  using a credit card, visit the  using a credit card, visit the 
       Consumer  website of the Consumer  website of the Consumer Financial  website of the Consumer Financial 
       Financial  Financial Protection Bureau at  Protection Bureau at  Protection Bureau at 
      Protection  http://www.consumerfinance. http://www.consumerfinance.gov http://www.consumerfinance.gov
        Bureau      gov/learnmore          /learnmore             /learnmore 
      
     Fees  
                                                                       
      Annual Fee       NONE                  NONE                   NONE 
           
           
      Transaction                                                      
        Fees                                                           
       *Balance        NONE                  NONE                   NONE 
       Transfer                                                        
        *Cash          NONE                  NONE                   NONE 
       Advance 
           
        Visa�    Visa charges an ISA fee of  Visa charges an ISA fee of  Visa charges an ISA fee of 
      International   up to 1%              up to 1%               up to 1% 
        Service   on most international  on most international  on most international 
      Assessment     transactions.         transactions.          transactions. 
       (ISA) Fee 
      Penalty Fees                                                     
        *Late         Up to $25             Up to $25              Up to $25 
       Payment                                                         
      *Over-the-       NONE                  NONE                   NONE 
      Credit Limit                                                     
       *Returned       NONE                  NONE                   NONE 
       Payment 
     �The U.S. Prime Rate used to determine your APRs for each billing period is the U.S. Prime Rate published in the Wall Street Journal 
     on the last business day of the month.  If two rates are reported, the higher rate will be used. 
     �Platinum Preferred offers a Rewards Program � for every dollar spent (purchases only), you earn one point toward various gift items 
     and travel services.   
     �APR information is accurate as of January 4, 2016, and may change after that.  To find out what may have changed, write to ECU, 
     P.O. Box 1989, Kingsport, TN 37662 or call 423-229-8200 or 800-999-2328.  Illinois residents may contact the Illinois Commissioner 
     of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, 
     P.O. Box 10181, Springfield, IL 62791 or 800-634-5452.  Visa� is a federally registered service mark of Visa U.S.A., Inc. 
     How We Will Calculate Your Balance:  We use a method called �average daily balance (including new purchases)�.  See your account 
     agreement for more details. 
     Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
     agreement. 
     Minimum Monthly Payment � 2.5% of your new balance, but at least $25.00.  Balances under $25.00 must be paid in full. 
      
      
      
     Interest Rates and Interest Charges   
                              CLASSIC SECURE               ECU CASH REWARDS� 
                                  FIXED                         FIXED 
         PROGRAM      Eastman Credit Union will set your fixed APR  Eastman Credit Union will set your fixed APR 
                      based on your creditworthiness.  You will be  based on your creditworthiness.  You will be 
                       informed of your specific APR before you  informed of your specific APR before you 
                      become contractually liable for the account.  become contractually liable for the account. 
                             Minimum fixed rate             Minimum fixed rate 
       Annual Percentage 
                                10.90%                         12.90% 
         Rate (APR)� 
                            to a Maximum fixed rate       to a Maximum fixed rate 
            for  
          Purchases             18.00%                         17.90% 
                           Based on creditworthiness      Based on creditworthiness 
                             Minimum fixed rate             Minimum fixed rate 
           APR� 
                                10.90%                         12.90% 
            for 
                            to a Maximum fixed rate       to a Maximum fixed rate 
        Balance Transfers 
                                18.00%                         17.90% 
                           Based on creditworthiness      Based on creditworthiness 
                             Minimum fixed rate             Minimum fixed rate 
           APR� 
                                10.90%                         12.90% 
            for  
                            to a Maximum fixed rate       to a Maximum fixed rate 
        Cash Advances 
                                18.00%                         17.90% 
                           Based on creditworthiness      Based on creditworthiness 
      Penalty APR and When                                         
          It Applies               NA                            NA 
                       Your due date is at least 25 days after the  Your due date is at least 25 days after the 
       PAYING INTEREST  close of each billing cycle.  We will not charge  close of each billing cycle.  We will not charge 
                     you any interest on purchases if you pay your  you any interest on purchases if you pay your 
                      entire balance by the due date each month.   entire balance by the due date each month.  
                       We will begin charging interest on cash  We will begin charging interest on cash 
                        advances and balance transfers on the  advances and balance transfers on the 
                              transaction date.              transaction date. 
       Minimum Interest                                            
          Charge                   NA                            NA 
                                                                   
       For Credit Card Tips  To learn more about factors to consider  To learn more about factors to consider when 
       from the Consumer  when applying for or using a credit card, visit  applying for or using a credit card, visit the 
      Financial Protection  the website of the Consumer Financial  website of the Consumer Financial Protection 
          Bureau             Protection Bureau at              Bureau at 
                     http://www.consumerfinance.gov/learnmore  http://www.consumerfinance.gov/learnmore 
      
     Fees    
                                                                   
     Annual Fee                   NONE                          NONE 
      
      
      
      
     Transaction Fees                                              
                                                                   
     *Balance Transfer           NONE                           NONE 
                                                                   
     *Cash Advance               NONE                           NONE 
      
     Visa� International    Visa charges an ISA fee of     Visa charges an ISA fee of 
     Service Assessment          up to 1%                      up to 1% 
     (ISA) Fee           on most international transactions.  on most international transactions. 
     Penalty Fees                                                  
     *Late Payment              Up to $25                      Up to $25 
                                                                   
     *Over-the-Credit Limit      NONE                           NONE 
                                                                   
     *Returned Payment           NONE                           NONE 
     �ECU Cash Rewards offers a reward program that for every dollar spent (net purchases only), you earn at least 1% cash.  Please 
     review your Cardholder Agreement for complete details. 
     �APR information is accurate as of January 4, 2016, and may change after that.  To find out what may have changed, write to ECU, 
     P.O. Box 1989, Kingsport, TN 37662 or call 423-229-8200 or 800-999-2328.  Illinois residents may contact the Illinois Commissioner 
     of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, 
     P.O. Box 10181, Springfield, IL 62791 or 800-634-5452.  Visa� is a federally registered service mark of Visa U.S.A., Inc. 
     How We Will Calculate Your Balance:  We use a method called �average daily balance (including new purchases)�.  See your account 
     agreement for more details. 
     Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
     agreement. 
     Minimum Monthly Payment � 2.5% of your new balance, but at least $25.00.  Balances under $25.00 must be paid in full. 
      
      
      
      
      
                     YOUR BILLING RIGHTS- KEEP THIS NOTICE FOR FUTURE USE 
      
     This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. 
      
     NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL 
     If you think your bill is wrong, or need more information about a transaction on your bill, write us on a separate sheet at: 
      
                            Eastman Credit Union                    Phone - 1-800-999-2328 
                            Card Services    Fax -      1-423-578-7626 
                            P. O. Box 1989 
                            Kingsport, TN 37662 
     Write to us as soon as possible.  We must hear from you no later than 60 days after we have sent you the first bill on 
     which the error or problem appeared.  You can telephone us, but doing so will not preserve your rights.  If you prefer to 
     contact ECU directly, you may write us at ECU Card Services P.O. Box 1989 Kingsport, TN 37662, call 1-800-999-2328 
     or email us at ecenter@ecu.org. If your card is reported as being blocked due to fraud or dispute after ECU�s normal 
     business hours, additional information will be necessary so you will be contacted the following business day by an ECU 
     representative. 
      
     Whether you report the error or problem by letter or phone, please provide: 
           (a) Your name and account number 
           (b) The dollar amount of suspected error. 
           (c) Describe the error and explain, if you can, why you believe there is an error.  If you need more information, 
           describe the item you are not sure about. 
     If you have authorized ECU to pay your credit card bill automatically from your share or share draft account, you can stop 
     the payment of any amount you think is wrong.  To stop the payment, a separate letter must reach us three business days 
     before the automatic payment is scheduled to occur.  Mail to:  ECU Card Services, P.O. Box 1989, Kingsport, TN  37662 
      
     YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE 
      
     We must acknowledge your letter within 30 days, unless we have corrected the error by then.  Within 90 days, we must 
     either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect 
     any amount you question, or report you as delinquent.  We can continue to bill you for the amount you question, including 
     finance charges.  We can apply any unpaid amount against your credit limit.  You do not have to pay any questioned 
     amount while we are investigating, but you are still obligated to pay parts of your bill not in question. 
     If we find that we made a mistake on your bill, you will not have to pay the amount in question or any finance charges or 
     other fees related to any questioned amount.  If we didn't make a mistake, you will have to pay the amount in question, 
     along with applicable finance charges and fees.  In either case, we will send you a statement of the amount you owe and 
     the date that it is due. 
     If you fail to pay the amount that we think you owe, we may report you as delinquent.  However, if our explanation does 
     not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you 
     to that you have a question about your bill.  And, we must tell you the name of anyone we reported you to.  We must tell 
     anyone we report you to that the matter has been settled between us when it finally is. 
     If we don't follow these rules, we can't collect the first $50 of questioned amount, even if your bill was correct. 
      
     SPECIAL RULE FOR CREDIT CARD PURCHASES 
      
     If you are dissatisfied with the goods or services that you have purchased with a 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, the following must be true: 
     (a) You must have made the purchase in your home state, or if not within your home state, within 100 miles of your 
     current mailing address, and the purchase price must have been more than $50.  (Note:  Neither of these are necessary if 
     your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or 
     services.) 
     (b) 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. 
     (c) 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: 
     ECU Card Services P.O. Box 1989 Kingsport, TN 37662 
      
     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.