This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. 
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

CREDIT CARD ACCOUNT OPENING DISCLOSURE

F1  

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F2             
This APR will vary with the market based on the Prime Rate. 
F3             
This APR will vary with the market based on the Prime Rate. 
F4             
This APR will vary with the market based on the Prime Rate. 
F5             

This APR may be applied to your account if you: 
  -  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 
Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month. We will begin charging interest on 
cash advances and balance transfers on the transaction date.  
To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

F6             or F7             of the amount of each cash advance, 
whichever is greater 
F8             of each transaction in U.S. dollars 

Up to F9              
Up to F10           

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

Billing  Rights.  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  

© CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DOHXN2 (MXC452 CCM002)-e 

SEE BACK OF PAGE for more important information about your account. 

  
 
 
 
 
 
 
 
 
 
 
OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

For balances of F11           or less, you will be charged F12           or 
the amount of the required minimum payment, if you are one (1) or 
more days late in making a payment. In the event you fail to make a 
payment in any of the six (6) billing cycles following the violation, you 
will be charged F13           or the amount of the required minimum 
payment. For balances of F14           or greater, you will be charged 
F15           or the amount of the required minimum payment, if you are 
one (1) or more days late in making a payment. In the event you fail to 
make a payment in any of the six (6) billing cycles following the 
violation, you will be charged F16           or the amount of the required 
minimum payment 
F17           or the amount of the required minimum payment, whichever 
is less. 

Collection  Costs.  You  promise  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement  to  the  extent 
permitted by state law.  

Periodic Rates. 

The Purchase APR is F18           which is a daily periodic rate of F19           
The Balance Transfer APR is F20           which is a daily periodic rate of F21           
The Cash Advance APR is F22           which is a daily periodic rate of F23           
The Penalty Rate APR is F24           which is a daily periodic rate of F25           

Variable Rate. 

The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change 
in the Index and will be determined by the Prime Rate on the 20th business day of the previous month of each year as 
published in The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL PERCENTAGE RATE 
will  never  be  greater  than  25.00%.  Any  increase  in  the  ANNUAL  PERCENTAGE  RATE  will  take  the  form  of  additional 
payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will 
choose a new index which is based upon comparable information. 

Margin. 

Purchases will be charged at F26           above the Index. 
Balance transfers will be charged at F27           above the Index. 
Cash advances will be charged at F28           above the Index. 

DOHXN2 (MXC452 CCM002)-e 

  
 
 
VISA PLATINUM VARIABLE
CONSUMER CREDIT CARD AGREEMENT

In  this  Agreement,  “Agreement”  means  this  Consumer  Credit  Card  Agreement.  “Disclosure”  means  the  Credit  Card 
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement 
and  is  part  of  the  Agreement.  In  this  Agreement  the  words  "you,"  “your,”  and  "yours"  mean  each  and  all  of  those  who 
agree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the 
Credit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit 
Union" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers 
this Agreement. 
1.  USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you. 
You  agree  that  your  credit  limit  is  the  maximum  amount  (purchases,  cash  advances,  finance  charges,  plus  "other 
charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will 
not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that 
exceed  your  credit  limit,  subject  to  a  fee,  the  Credit  Union  will  provide  you  with  notice,  either  orally,  in  writing,  or 
electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right 
to opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In the event you opt in 
to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a 
method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an 
advance and/or  terminate your  account  at  any  time  for  any  reason  not prohibited  by  law.  If you  are  permitted  to  obtain 
cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your 
account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience 
check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check 
drawn on your account for any reason and such refusal shall not constitute wrongful dishonor. 
You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee 
imposed  to  stop  a  payment  on  a  convenience  check  issued  on  your  account.  You  may  make  a  stop  payment  request 
orally,  if  permitted,  or  in  writing.  Your  request  must  be  made  with  sufficient  time  in  advance  of  the  presentment  of  the 
check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately 
describe the check including the exact account number, the  payee, any check number that may be applicable, and the 
exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 
14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six 
(6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be 
renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a 
check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the 
payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any 
legal  action.  You  agree  to  indemnify  and  hold  us  harmless  from  all  costs  and  expenses,  including  attorney's  fees, 
damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result 
of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.  
2.  USING  YOUR  CARD  —  You  understand  that  the  use  of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening 
Disclosure  (Disclosure).  You  may  use  your  card  to  make  purchases  from  merchants  and  others  who  accept  your  card. 
The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to 
pay for goods or services over the Internet, you may be required to provide card number security information before you 
will be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other 
financial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your 
card.)  If  the  credit  union  authorizes  ATM  transactions  with  your  card,  it  will  issue  you  a  personal  identification  number 
(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that 
you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use 
your card  for  an  illegal  transaction,  you  will be responsible  for  all  amounts  and  charges  incurred  in  connection with  the 
transaction.  If  you  are  permitted  to  obtain  cash  advances  on  your  account,  you  may  also  use  your  card  to  purchase 
instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your 
account  as  cash  advances  and  include,  but  are  not  limited  to,  wire  transfers,  money  orders,  bets,  lottery  tickets,  and 
casino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction 
that is illegal. 
3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  of 
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You 

© CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved 

DOHXO2 (MXC501 CCM002)-e 

  
 
also promise to pay all finance charges and other charges added to your account under the terms of this Agreement or 
another agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also 
applies to your account. 
4.  PERIODIC  RATES  —  The  periodic  rates  applicable  to  purchases,  cash  advances,  and  balance  transfers  are 
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a 
payment  by  the  payment  due  date  is  also  disclosed  on  the  Disclosure.  Any  rate  change  will  be  made  pursuant  to 
applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on 
purchases,  cash  advances,  balance  transfers  and  any  penalty  rate  will  vary  periodically  as  disclosed  in  the  Disclosure 
accompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory 
discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an 
Introductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure 
accompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to 
the rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.  
5.  FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge 
for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new 
balance on the previous cycle's billing statement by the payment due date of that statement; otherwise a finance charge 
will accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of 
purchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A 
finance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the 
billing cycle in which the cash advance is posted to your account, whichever is later (transaction date). 
The  finance  charge  is  calculated  separately  for  purchases  and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance 
of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract 
any  payments  and/or  credits.  This  gives  us  the  daily  balance  of  purchases.  We  then  add  all  of  the  daily  balances  of 
purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the 
average daily balance of purchases.  
For cash  advances,  the  finance charge  is computed  by  applying  the  periodic rate  to  the  average daily balance  of cash 
advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash 
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
advance  balance.  This  gives  us  the  daily  balance  of  cash  advances.  We  then  add  all  of  the  daily  balances  of  cash 
advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the 
average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances. 
6.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from your 
account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing 
international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the 
applicable  central  processing  date,  which  rate  may  vary  from  the  rate  Visa  itself  receives  or  the  government-mandated 
rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from 
the rate that would have been used on the purchase date or cardholder statement posting date.  
A fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash 
advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes 
on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or 
U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement. 
7.  FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to 
your  account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Disclosure  accompanying  this  Agreement.  Your 
account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 
a.  Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee 
will  be  charged  to  your  account  when  you  obtain  a  cash  advance  from  an  ATM,  the  Credit  Union  or  other  financial 
institution.  
b.  Foreign  Transaction  Fee  (Finance  Charge).  If  your  account  is  subject  to  a  Foreign  Transaction  Fee  (finance 
charge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.  
c.  Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when 
you do not make the required minimum payment by or within the number of days of the statement Payment Due Date set 
forth on the Disclosure accompanying this Agreement. 
d.  Returned  Payment  Fee.  If  your  account  is  subject  to  a  Returned  Payment  Fee,  the  fee  will  be  charged  to  your 
account when a payment is returned for any reason. 
8.  PAYMENTS  —  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your  statement  by  the  date 
specified  on  the  statement.  You  may  pay  more  frequently,  pay  more  than  the  minimum  payment  or  pay  the  total  new 
balance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each 

DOHXO2 (MXC501 CCM002)-e 

  
month  your  account  has  a  balance  (other  than  a  credit  balance).  The  minimum  payment  is  2.50%  of  your  total  new 
balance,  or  $25.00,  whichever  is greater,  plus  the  amount  of  any  prior  minimum  payments  that  you  have  not  made,  all 
outstanding  unpaid  fees  and  charges,  and  any  amount  you  are  over  your  credit  limit  by  the  date  specified  on  the 
statement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your 
credit limit.  
9.  PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit 
Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of 
the  required  minimum  periodic  payment,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the 
highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable 
annual percentage rate.  
10.  SECURITY  INTEREST  —  You  grant  the  Credit  Union  a  security  interest  under  the  Uniform  Commercial  Code  and 
under  any  common  law  rights  the  Credit  Union  may  have  in  any  goods  you  purchase.  If  you  give  the  Credit  Union  a 
specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may 
not withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release 
all or part of the pledged amount.  

Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, 
except  for  shares  in  an  Individual  Retirement  Account  or  in  any  other  account  that  would  lose  special  tax 
treatment under state or federal law if given as security. These other shares may be withdrawn unless you are 
in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint 
share accounts to pay any amounts due on your Account if you should default. 

Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never 
be considered as security for this account, notwithstanding anything to the contrary in any other agreement.  
11.  DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date 
that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you 
die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in 
default if you make any false or misleading statements in any credit application or credit update. You will also be in default 
if something happens that the Credit Union believes may substantially reduce your ability to repay what you owe. 
When  you  are  in  default,  the  Credit  Union  has  the  right  to  demand  immediate  payment  of  your  full  account  balance 
without  giving  you  notice.  If  immediate  payment  is  demanded,  you  agree  to  continue  paying  finance  charges  at  the 
periodic rate charged before default, until what you owe has been paid, and any shares that were given as security for 
your account may be applied towards what you owe. 
12.  LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us 
immediately, orally or in writing, at 555 Officenter Place, Gahanna, OH 43230 or telephone (800) 282-6420 seven (7) days 
a  week,  24  hours  a  day  or  (614)  235-2395  Monday  through  Friday  during  regular  business  hours  Eastern  Time,  of  the 
loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will 
not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will 
have no liability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of 
your card. In any case, your liability will not exceed $50.00. 
13.  CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms 
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with 
applicable  law.  If  permitted  by  law  and  specified  in  the  notice  to  you,  the  change  will  apply  to  your  existing  account 
balance as well as to future transactions. 
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will 
not affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. 
Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject 
to  all  applicable  laws  and  regulations  regarding  repayment  requirements.  You  are  also  responsible  for  all  transactions 
made to your account after termination, unless the transactions were unauthorized. 
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit 
Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.  
14.  CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional  cards  for 
authorized  users  that  you  designate.  You  must  notify  us  in  writing  of  any  termination  of  an  authorized  user's  right  to 
access  your  account.  Your  letter  must  include  the  name  of  the  authorized  user  and  your  account  number  and/or  any 
subaccount  number  issued  to  the  authorized  user  along  with  the  authorized  user's  card  and  any  convenience  or  other 
access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if you 
request your account to be closed, we will close your account and you may apply for a new account. 
15.  CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to investigate your credit 
standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your 
DOHXO2 (MXC501 CCM002)-e 

  
account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency 
cash  and/or  emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide 
personal information about you and your account that is necessary to provide you with the requested service(s). 
16.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or 
adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If  your 
credits and payments exceed what you owe  the Credit Union, the amount will be applied against future purchases and 
cash  advances.  If  the  credit  balance  amount  is  $1.00  or  more,  it  will  be  refunded  upon  your  written  request  or 
automatically after six (6) months. 
17.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  —  The  Credit  Union  may  from  time  to  time  offer  additional 
services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit 
Union is not obligated to offer such services and may withdraw or change them at any time. 
18.  MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution 
to  honor  your  card.  The  Credit  Union  is  subject  to  claims  and  defenses  (other  than  tort  claims)  arising  out  of  goods  or 
services you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction 
from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union 
sent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 
100 miles of your home. 
19.  JOINT ACCOUNTS — If this is a joint account, each of you will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay 
the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances 
individually. Any one of you may terminate the account and the termination will be effective as to all of you. 
20.  EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account even 
though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 
21.  NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 
22.  STATEMENTS  AND  NOTICES  —  Statements  and  notices  will  be  mailed  or  delivered  to  you  at  the  appropriate 
address you have given the Credit Union. Notice sent to any one of you will be considered notice to all.  
23.  SEVERABILITY  AND  FINAL  EXPRESSION  —  This  Agreement  and  the  Disclosure  are  the  final  expression  of  the 
terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any 
alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all 
other  parts  of  this  Agreement  and  Disclosure  shall  remain  in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement. 
24.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25.  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of  gambling 
transaction. 
26.  PENALTY RATE DISCLOSURES — If applicable to your account, all rates for your account, including the rates for 
purchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the 
conditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are 
subject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty 
Rate. 
27.  NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and 
the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. 
28.  THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON 
THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE  BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 

Your Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at the address listed on your statement. 
In your letter, give us the following information: 
  -  Account information: Your name and account number. 
  -  Dollar amount: The dollar amount of the suspected error. 
  -  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you 

believe it is a mistake. 

DOHXO2 (MXC501 CCM002)-e 

  
 
 
You must contact us: 
  -  Within 60 days after the error appeared on your statement. 
  -  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you 

think is wrong. 

You must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required 
to investigate any potential errors and you may have to pay the amount in question. 
What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
  1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have 

already corrected the error. 

  2. Within 90 days of receiving your letter, we must either correct  the error or explain to you why we believe the bill is 

correct.  

While we investigate whether or not there has been an error: 
  -  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
  -  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
  -  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
  -  We can apply any unpaid amount against your credit limit.  
After we finish our investigation, one of two things will happen: 
  -  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that 

amount. 

  -  If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the  amount  in  question,  along  with  applicable 
interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then 
report you as delinquent if you do not pay the amount we think you owe.  

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still 
refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. 
We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know 
when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is 
correct. 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased  with  your  credit  card,  and  you  have  tried  in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the 
purchase. 
To use this right, all of the following must be true: 
  1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on 
an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

  2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a 

check that accesses your credit card account do not qualify. 

  3. You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at 
the address listed on your statement. 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, 
we  will  tell  you  our  decision.  At  that  point,  if  we  think  you  owe  an  amount  and  you  do  not  pay,  we  may  report  you  as 
delinquent. 

DOHXO2 (MXC501 CCM002)-e 

  
 
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555 Officenter Place (cid:2)(cid:3)P.O. Box 307370
Gahanna, OH 43230
614.235.2395 (cid:2)(cid:3)800.282.6420
Fax 614.338.3542

AGREEMENTS AND
DISCLOSURES

ELECTRONIC SERVICES AGREEMENT AND 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 AUTOMATED TELLER MACHINE ("ATM") CARD, MASTERCARD DEBIT CARD AND OUR AUDIO RESPONSE
SYSTEM ("INSTANT ACCESS") AND PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), EACH WITH THEIR
CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED
ELECTRONICALLY ("E-CHECK").

Throughout this Disclosure, the references to "We", "Us", "Our" and "Credit Union" mean KEMBA FINANCIAL 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 or MasterCard Debit Card issued to You by Us and any duplicates or renewals We
may issue. Our Audio Response System is hereinafter referred to as "Instant Access", whereas Our Personal Computer Account Access System is hereinafter
referred to as “Online Banking”. “E-Check” means any check which You authorize the payee to process electronically. For joint accounts, read singular pronouns
in the plural.

ATM CARD, MASTERCARD DEBIT CARD, INSTANT ACCESS, ONLINE BANKING 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) Our
Instant Access Audio Response system; (c) Our Online Banking Personal Computer Account Access System; and (d) any check which You authorize the payee to
process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our Instant Access Audio Response
System, Our Online Banking Personal Computer Account Access System, E-Check or other electronic device. You understand that Your Card and any Personal
Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is
subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access
device; (b) that We may follow all instructions given to Machines; (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; and (d) that each withdrawal by You or by any
authorized user of Your Card or PIN may be charged to Your share or share draft Account, as appropriate, and will be treated as though it were a share withdrawal
except that: (1) We may charge withdrawals to Your share Account 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 AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be
used in conjunction with ATM Card and MasterCard Debit Card transactions and separate Access Codes to be used in conjunction with Instant Access, and Online
Banking transactions. 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.

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 KEMBA Financial Credit Union locations may not
be posted to Your Account until they are received and verified by Us. 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.

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, not to exceed $500.00 per day (share, line of credit and share draft combined), provided You have enough available funds in Your Account. At
the present time, You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a)
make deposits to Your designated share and share draft Account(s); (b) withdraw cash from Your designated share and share draft Account(s); (c)
transfer funds between Your designated share and share draft Accounts; and (d) learn the balances in Your designated share and share draft Accounts
that You have with Us. For security reasons there are limits on the number of transactions that may be processed each day.

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, not to exceed $500.00 per day (share, line of credit and share draft combined), provided You have enough available funds in Your Account. You
may also use Your Card in conjunction with Your share draft Account and PIN to purchase goods and services (“POS”) at any business establishment
where the Card is accepted, not to exceed $3,000.00 per day, provided You have enough available funds in Your Account. At the present time, You may
use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your
designated share and share draft Account(s); (b) withdraw cash from Your designated share and share draft Account(s); (c) transfer funds between Your
designated share and share draft Accounts; and (d) learn the balances in Your designated share and share draft Accounts that You have with Us. For
security reasons there are limits on the number of transactions that may be processed each day.

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ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued)

INSTANT ACCESS TRANSACTIONS. You may use Instant Access in conjunction with Your Access Code to make the following types of transactions: (a)
telephone transfers of funds between Your share, share draft and line of credit Accounts that You may have with Us; (b) make payments on Your loan
Accounts that You may have with Us from Your share or share draft Accounts; (c) telephone withdrawal of funds from Your share or share draft Accounts that
You may have with Us; (d) balance inquiries on Your Accounts; and (e) miscellaneous inquiries on Credit Union services that affect Your Account. Instant
Access 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.

ONLINE BANKING TRANSACTIONS. At the present time, You may use Online Banking in conjunction with Your Access Code and a personal computer for
the following services: (a) transfers of funds between Your share, share draft and line of credit Accounts that You may have with Us; (b) make payments on
Your loan Accounts that You may have with Us from Your share or share draft Accounts; (c) balance inquiries on Your Accounts; (d) make payments from
Your share draft Account to third-party creditors; and (e) miscellaneous inquiries on Credit Union services that affect Your Account. Online Banking operates
24 hours every day. If You attempt to use the system and are told that "the system is not available", please try again later when service is restored.

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 payor), You can call Us at the telephone shown in this Agreement to find out whether or not the deposit has been
made.

PRE-AUTHORIZED PAYMENTS TO YOUR KEMBA CREDIT CARD. Automatic payments to your KEMBA Credit Union VISA Platinum and MasterCard are limited to
one transfer per month, in the amount of the entire balance, a minimum monthly payment, or a set amount equal to or greater than 2.5% of your credit line. The credit
union does not charge to provide this service. However, if there are not sufficient funds to complete the payment, a $32.00 fee will be added to your credit card balance.
These electronic fund transfers may vary in amount from the previous transfer. Your monthly statement will be available 10 days prior to each payment and shall serve
as your notice of the amount to be transferred.

RIGHT TO STOP PRE-AUTHORIZED PAYMENTS. If You want to stop any pre-authorized 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, We may also require You to put Your request in writing and get it to Us within 14 days after You call.
There is a service charge of $25.00 for each stop payment. 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.

NOTICE OF VARYING AMOUNTS. If regular pre-authorized payments may vary in amount, the person you are going to pay will tell You, 10 days before each
payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain
amount from the previous payment, or when the amount would fall outside certain limits that you set.

OUR LIABILITY FOR FAILURE TO STOP PAYMENT. If You order Us to place a stop payment on 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 Online Banking, Telephonic and 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 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.

FEES. We may assess reasonable charges against Your Account for transactions performed at electronic terminals. 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, Online Banking and Instant Access information after Your Account is established. Additional fee schedules
are available at any of Our office locations. 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; and (i) You exceed any limits on Your Account.

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 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. Additionally, if Your periodic statement shows transactions that You did not make, You will tell Us at
once. If You fail to tell Us within 60 days after We send You the periodic statement, You could lose the entire Account balance 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

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ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued)

notification of other unauthorized MasterCard Debit Card transactions, Your liability for unauthorized use will not exceed $50. These exceptions
do not app/y to transactions originating at an ATM.

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.

(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. 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 3 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 at the telephone number shown in
this Agreement. You may also report the loss of a Card, PIN, Access Code or any combination thereof, by writing to Us at the address shown in this Agreement.
You should also call the number or write to the address listed above if You believe a transfer has been made using the information from Your check without Your
permission.

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. For example, We may elect to eliminate certain types of electronic fund transfers and/or place additional limitations on the frequency or dollar
amount of such transfers

GOVERNING LAW. This Agreement is controlled and governed by the laws of the State of Ohio except to the extent that such laws are inconsistent with
controlling federal law.

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