Common use of Your Billing Rights Clause in Contracts

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 if you need information about a transaction on your bill, write us on a separate sheet at the address shown on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■ Your name and account number. ■ The dollar amount of the suspected error. ■ 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 us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three (3) business days before the automatic payment is scheduled to occur. 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 is 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, and 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 the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) 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 is final. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct.

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 if you need information about a transaction on your bill, write us on a separate sheet at the address shown on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■ n Your name and account number. ■ n The dollar amount of the suspected error. ■ n 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 us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three (3) business days before the automatic payment is scheduled to occur. 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 is 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, and 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 the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) 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 is final. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct.

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 if you need information about a transaction on your bill, write us on a separate sheet at the address shown on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■ Your name and account number. ■ The dollar amount of the suspected error. ■ 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 us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three (3) business days before the automatic payment is scheduled to occur. 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 is 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, and 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 the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) 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 is final. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct.

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 BillXxxx. If you think your bill xxxx is wrong, or if you need information about a transaction on your billxxxx, write us on a separate sheet at the address shown on your billxxxx. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■ n Your name and account number. ■ n The dollar amount of the suspected error. ■ n 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 us to pay your credit card bill xxxx automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three (3) business days before the automatic payment is scheduled to occur. 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 xxxx is 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 xxxx you for the amount you question, including finance charges, and 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 the parts of your bill xxxx that are not in question. If we find that we made a mistake on your billxxxx, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your billxxxx. 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 is final. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill xxxx was correct.

Your Billing Rights. Keep This Notice for Future Use. This notice contains The following is important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your BillXxxx. If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx, write us on a separate sheet at the address shown listed on your billxxxx. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, letter give us the following information: ■ • Your name and account number. ■ • The dollar amount of the suspected error. ■ • 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 us to pay your credit card bill xxxx automatically from your share savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. 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 is xxxx 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 xxxx you for the amount you question, including finance charges, and we can apply any an 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 the parts of your bill xxxx that are not in question. If we find that we made a mistake on your billxxxx, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your billxxxx. 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 is finalfinally is. If we don’t follow these rules, we can’t collect the first $50 50.00 of the questioned amount, even if your bill xxxx was correct.

Your Billing Rights. Keep This Notice for For Future Use. Use This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in In Case of Errors or Questions About Your Bill. Xxxx If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx, write us PSCU Financial Services, X.X. Xxx 0000, Xxxxx, XX 00000-0000 on a separate sheet at the address shown listed on your billxxxx. Write to us as soon as possible. We must hear from you no later than 60 sixty (60) days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■ • Your name and account number. ■ • The dollar amount of the suspected error. ■ • 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 us to pay your credit card bill xxxx automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice. We Notice we must acknowledge your letter within 30 thirty (30) days, unless we have corrected the error by then. Within 90 ninety (90) days, we must either correct the error or explain why we believe the bill is xxxx 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 xxxx you for the amount you question, including finance charges, and we can apply any an 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 the parts of your bill xxxx that are not in question. If we find that we made a mistake on your billxxxx, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your billxxxx. 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 is finalfinally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill xxxx was correct.. Special Rule for Credit Card Purchases If you have a problem with the quality of property or services that you 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 property or services. There are two (2) limitations on this right:

Your Billing Rights. Keep This Notice for Future Use. KEEP THIS NOTICE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in In Case of Errors or Questions About Your Bill. Bill If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address shown listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■ • Your name and account number. ■ • The dollar amount of the suspected error. ■ • 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 us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice. 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 is 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, and 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 the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) 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 is finalfinally is. If we don’t follow these rules, we can’t collect the first $50 50.00 of the questioned amount, even if your bill was correct.

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. This information can be found on the SJU Student Accounts website under General Policies. Notify Us us in Case case of Errors errors or Questions About Your Bill. questions about your xxxx: If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx, write to us (on a separate sheet from your xxxx) at the address shown on your billStudent Accounts Office, Saint John’s University, Xxxxxxxxxxxx, XX 00000. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can may telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■ • Your name and account number. ■ number • The dollar amount of the suspected error. ■ error • Describe the error and explain, if you can, why you believe there this is an error. If you need more information, describe the item about which you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three (3) business days before the automatic payment is scheduled to occuruncertain. Your Rights rights and Our Responsibilities After We Receive Your Written Notice. our responsibilities after we received 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 xxxx is correct. After we receive have received your letter, we cannot try to collect any amount you in question, or report you as delinquent. We can continue to bill xxxx you for the amount you in question, including finance charges, and 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 the parts of your bill xxxx that are not in question. If we find that we made a mistake on your billxxxx, you will not have to pay any finance charges related to any questioned amount. If we didn’t n't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 you, and you write to us within ten (10) 10 days telling us that you still refuse to pay, we must tell anyone to whom we report you to that you have a question about your billxxxx. And, we We must also tell you the name of anyone to whom we reported you toyou. We must tell anyone to whom we report you to that the matter has been settled between us when it is finalfinally settled. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was xxxx is correct.

Your Billing Rights. Keep This Notice for For Future Use. Use This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in In Case of Errors or Questions About Your Bill. Bill If you think your bill is wrong, or if you need more information about a transaction on your bill, write us PSCU Financial Services, X.X. Xxx 0000, Xxxxx, XX 00000-0000 on a separate sheet at the address shown listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 sixty (60) days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■ • Your name and account number. ■ • The dollar amount of the suspected error. ■ • 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 us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice. We Notice we must acknowledge your letter within 30 thirty (30) days, unless we have corrected the error by then. Within 90 ninety (90) days, we must either correct the error or explain why we believe the bill is 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, and we can apply any an 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 the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) 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 is finalfinally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correct.. Special Rule for Credit Card Purchases If you have a problem with the quality of property or services that you 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 property or services. There are two (2) limitations on this right:

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 us in Case case of Errors errors or Questions About Your Billquestions about your loan account statement. If you think your bill statement is wrong, wrong or if you need more information about a transaction on your billstatement, write us on a separate sheet at the address shown listed on your billstatement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■ • Your name and account number. ■ • The dollar amount of the suspected error. ■ error 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 us to pay your credit card bill loan account automatically from your savings or checking share draft account, you can stop the payment on any amount you think is wrong. To stop the payment, payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights rights and Our Responsibilities After We Receive Your Written Noticeour responsibilities after we receive your written notice. We must acknowledge acknowl- edge 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 is statement 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 send statements to you for the amount you question, including includ- ing finance charges, and 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 the parts of your bill statement that are not in question. If we find that we made a mistake on your billstatement, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement state- ment 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 (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your billstatement. 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 is finalfinally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill statement was correct. Special rule for credit card purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (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 (b) The purchase price must have been more than $50. These limitations do not apply if the credit card issuer owns or operates the merchant, or mailed you the advertisement for the property or services. ACCOUNT OPENING DISCLOSURE FOR VISA® GOLD CREDIT CARD Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 12.90% APR for Balance Transfers 12.90% APR for Cash Advances 12.90% Penalty APR and When it Applies Not applicable Paying Interest 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. Minimum Interest Charges Not applicable For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees • Annual Fee $0 • Account Set-up Fee $0 • Participation Fee $0 • Additional Card Fee $0 Transaction Fees $0 $0 1% of the amount of the transaction, calculated in U.S. dollars • Balance Transfer • Cash Advance • Foreign Transaction Penalty Fees • Late Payment • Over-the-Credit Limit • Returned Payment 15% of the monthly payment will be assessed on every payment that is ten or more days past due; minimum $5 and maximum $25. $0 $32 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. The information about the costs of the card described in this Agreement is accurate as of October 2017. This information may have changed after that date. To find out what may have changed, write to us at MemberSource Credit Union, 00000 Xxxxxxxx Xxx, Xxxxxxx, XX 00000 or call us at (000) 000-0000. Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction, any application fee charged (other than certain application fees for specified credit transactions or accounts), and any participation fee charged (other than certain participation fees for a credit card account). Please call 000.000.0000, option 8 (ext.1455) to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

Your Billing Rights. Keep This Notice for Future Use. 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 us in Case case of Errors or Questions About Your BillXxxx. If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx you must contact us within 60 days after the error appeared on your statement, write by writing us (on a separate sheet sheet) at the address shown on your bill. Write to us WEOKIE Federal Credit Union, X.X. Xxx 00000, Xxxxxxxx Xxxx, XX 00000, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■ Your name and account number. ■ The ; home and work phone numbers; the dollar amount of the suspected error. ■ Describe ; describe the error and explain, if explain as clearly as you can, why you believe there is an error. If error or if you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Youur Rights and Our Responsibilities After We Receive Your Written Notice. 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 is xxxx 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 xxxx you for the amount you question, including finance charges, and 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 the parts of your bill xxxx that are not in question. If we find that we made a mistake on your billxxxx, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) 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. Andxxxx; 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 is finalfinally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill xxxx was correct.

Your Billing Rights. Keep This Notice for Future Use. This notice contains The following is 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 if you need more information about a transaction on your bill, write us on a separate sheet at the address shown listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, letter give us the following information: ■  Your name and account number. ■  The dollar amount of the suspected error. ■  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 us to pay your credit card bill automatically from your share savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. 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 is 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, and we can apply any an 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 the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) 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 is finalfinally is. If we don’t follow these rules, we can’t collect the first $50 50.00 of the questioned amount, even if your bill was correct.

Your Billing Rights. Keep This Notice for Future Use. This notice contains The following is important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your BillXxxx. If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx, write us on a separate sheet at the address shown listed on your billxxxx. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, letter give us the following information: ■ • Your name and account number. ■ • The dollar amount of the suspected error. ■ • 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 us to pay your credit card bill xxxx automatically from your share savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. 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 is xxxx 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 xxxx you for the amount you question, including finance charges, and we can apply any an 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 the parts of your bill xxxx that are not in question. If we find that we made a mistake on your billxxxx, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your billxxxx. 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 is finalfinally is. If we don’t follow these rules, we can’t collect the first $50 50.00 of the questioned amount, even if your bill xxxx was correct.

Your Billing Rights. Keep This Notice for Future Use. This notice contains The following is important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your BillXxxx. If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx, write us on a separate sheet at the address shown listed on your billxxxx. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, letter give us the following information: ■  Your name and account number. ■  The dollar amount of the suspected error. ■  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 us to pay your credit card bill xxxx automatically from your share savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. 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 is xxxx 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 xxxx you for the amount you question, including finance charges, and we can apply any an 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 the parts of your bill xxxx that are not in question. If we find that we made a mistake on your billxxxx, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your billxxxx. 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 is finalfinally is. If we don’t follow these rules, we can’t collect the first $50 50.00 of the questioned amount, even if your bill xxxx was correct.

Your Billing Rights. Keep This Notice for Future Use. KEEP THIS NOTICE FOR FUTURE USE: This notice contains important information about your rights and our responsibilities under the Fair Credit Billing ActAct and applies to all credit card accounts. Notify Us in Case of Errors or Questions About Your Bill. WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT: If you think your bill Statement is wrong, there is an error on your Statement or if you need more information about a transaction on your billStatement, write email us on a separate sheet at xxxxx@xxxxx.xxx with the address shown on your bill. Subject “Credit Card Dispute” Write to us as a soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letteremail, give us the following information: ■ ● Account Information. Your name and account Account number. ■ ● Dollar Amount. The dollar amount of the suspected error. ■ ● Description of Problem. Describe the error and explain, 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 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 have authorized us want to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any the amount you think is wrong. To stop You may notify us of any potential errors in email or by calling us. You may still be required to pay the paymentamount(s) in question if we determine the transaction is not an error. If you believe fraud has occurred on your account, please call us as soon as possible at (000) 000-0000. WHAT WILL HAPPEN AFTER WE RECEIVE YOUR WRITTEN NOTICE: When we receive your letter letter, we must reach us three (3) business do two things: ● Within 30 days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Noticeof receiving your letter, we must tell you that we received your letter. We must acknowledge your letter within 30 days, unless will also tell you if we have already corrected the error by then. error; and ● Within 90 daysdays of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. After While we receive your letter, we investigate whether or not there has been an error: ● We cannot try to collect any the amount you in question, or report you as delinquentdelinquent on that amount. We can continue to bill you for the amount you question, including finance charges● 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. You do not have to pay any questioned amount while After we are investigatingfinish our investigation, but you are still obligated to pay the parts one of your bill that are not in question. two things will happen: • If we find that we made a mistake on your bill, you mistake: You will not have to pay the amount in question or any finance charges interest or other fees related to any questioned that amount. • If we didn’t make do not believe there was a mistake, you may : You will have to pay finance chargesthe amount in question, along with applicable interest and you will have to make up any missed payments on the questioned amountfees. In either case, we We will send you a statement of the amount you owe and the date that it payment is due. If We may then report you fail to as delinquent if you do not pay the amount that we think you owe, we may report . If you as delinquent. However, if receive our explanation does not satisfy but still believe your bill is wrong, you and you must write to us within ten (10) 10 days telling us that you still refuse to pay. If you do so, we must tell anyone we cannot report you to as delinquent without also reporting that you have a question about are questioning your bill. And, we We must tell you the name of anyone to whom we reported you to. We as delinquent, and we must tell anyone we report you to that let those organizations know when the matter has been settled between us when it is finalus. If we don’t do not follow these rules, we can’t cannot collect the first $50 50.00 of the questioned amount, even if your bill was correct.

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. This information can be found on the SJU Student Accounts website under General Policies. Notify Us us in Case case of Errors errors or Questions About Your Bill. questions about your xxxx: If you think your bill xxxx is wrong, or if you need more information about a transaction on your billxxxx, write to us (on a separate sheet from your xxxx) at the address shown on your billStudent Accounts Office, Saint John’s University, Xxxxxxxxxxxx, XX 00000. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can may telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■  Your name and account number. ■ number  The dollar amount of the suspected error. ■ error  Describe the error and explain, if you can, why you believe there this is an error. If you need more information, describe the item about which you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three (3) business days before the automatic payment is scheduled to occuruncertain. Your Rights rights and Our Responsibilities After We Receive Your Written Notice. our responsibilities after we received 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 xxxx is correct. After we receive have received your letter, we cannot try to collect any amount you in question, or report you as delinquent. We can continue to bill xxxx you for the amount you in question, including finance charges, and 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 the parts of your bill xxxx that are not in question. If we find that we made a mistake on your billxxxx, you will not have to pay any finance charges related to any questioned amount. If we didn’t n't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 you, and you write to us within ten (10) 10 days telling us that you still refuse to pay, we must tell anyone to whom we report you to that you have a question about your billxxxx. And, we We must also tell you the name of anyone to whom we reported you toyou. We must tell anyone to whom we report you to that the matter has been settled between us when it is finalfinally settled. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was xxxx is correct.

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 us in Case case of Errors errors or Questions About Your Billquestions about your loan account statement. If you think your bill statement is wrong, wrong or if you need more information about a transaction on your billstatement, write us on a separate sheet at the address shown listed on your billstatement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. ACCOUNT OPENING DISCLOSURE FOR VISA® CLASSIC CREDIT CARD In your letter, give us the following information: ■ • Your name and account number. ■ • The dollar amount of the suspected error. ■ 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 us to pay your credit card bill loan account automatically from your savings or checking share draft account, you can stop the payment on any amount you think is wrong. To stop the payment, payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights rights and Our Responsibilities After We Receive Your Written Noticeour 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 is statement 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 send statements to you for the amount you question, including includ- ing finance charges, and 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 the parts of your bill statement that are not in question. If we find that we made a mistake on your billstatement, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your billstatement. 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 is finalfinally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill statement was correct. Special rule for credit card purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you have the right not to pay the remaining amount due on the prop- erty or services. There are two limitations on this right: (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 (b) The purchase price must have been more than $50. These limitations do not apply if the credit card issuer owns or operates the merchant, or mailed you the advertisement for the property or services. Fees Set-up and Maintenance Fees • Annual Fee $0 • Account Set-up Fee $0 • Participation Fee $0 • Additional Card Fee $0 Transaction Fees $0 $0 1% of the amount of the transaction, calculated in U.S. dollars • Balance Transfer • Cash Advance • Foreign Transaction Penalty Fees • Late Payment • Over-the-Credit Limit • Returned Payment 15% of the monthly payment will be assessed on every payment that is 25 or more days past due; minimum $5 and maximum $25. $0 $32 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.

Your Billing Rights. Keep This Notice this Document for Future Use. : This notice contains important information tells you about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About What to Do If You Find a Mistake on Your Bill. Statement: If you think your bill there is wrong, or if you need information about a transaction an error on your billstatement, write us on a separate sheet at the address shown on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone usat: Card Services, but doing so will not preserve your rightsP.O. Box 183258 Columbus, OH 43218‐3258. In your letter, give us the following information: ■ Your your name and account Account number. ■ The ; the date and dollar amount of the suspected error; and a description of the problem. ■ Describe the If you think there is an error on your bill, describe what you believe is wrong and explain, if you can, why you believe there it is an errora mistake. If you need more information, describe You must contact us: 1) Within 60 days after the item you are not sure about. If error appeared on your statement; and 2) if you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the enrolled in automatic payment, your letter must reach us three (3) at least 3 business days before the automatic payment is scheduled if you want to occurstop payment on the amount you believe is wrong. Your Rights You must notify us of any potential errors in writing at the address set forth above. You may call us, but if you do we are not required to investigate any potential errors and Our Responsibilities After We Receive Your Written Noticeyou may have to pay the amount in question. When we receive your letter, we must do two things: Within 30 days of receiving your letter, we must tell you that we received your letter. We must acknowledge your letter within 30 days, unless will also tell you if we have already corrected the error by thenerror. Within 90 daysdays of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. After While we receive your letter, we investigate whether or not there has been an error: We cannot try to collect any the amount you in question, or report you as delinquentdelinquent on that amount. We can continue to bill you for the amount you question, including finance chargesThe 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 limitCredit Limit. You do not have to pay any questioned amount while After we are investigatingfinish our investigation, but you are still obligated to pay the parts one of your bill that are not in question. two things will happen: If we find that we made a mistake on your bill, mistake: you will not have to pay the amount in question or any finance charges interest or other fees related to any questioned that amount. If we didn’t make do not believe there was a mistake, you may have to pay finance charges, and : you will have to make up any missed payments on pay the questioned amountamount in question, along with applicable interest and fees. In either case, we We will send you a statement of the amount you owe and the date that it payment is due. If We may then report you fail to as delinquent if you do not pay the amount that we think you owe, we may report . If you as delinquent. However, if receive our explanation does not satisfy but still believe your bill is wrong, you and you must write to us within ten (10) 10 days telling us that you still refuse to pay. If you do so, we must tell anyone we cannot report you to as delinquent without also reporting that you have a question about are questioning your bill. And, we We must tell you the name of anyone we reported you to. We must tell anyone to whom we report you to that as delinquent, and we must let those organizations know when the matter has been settled between us when it is finalus. 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: these limitations do not apply 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 Account do not qualify); and 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: Card Services, P.O. Box 183258 Columbus, OH 43218‐3258. While we don’t follow these rulesinvestigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we can’t collect the first $50 of the questioned amountwill tell you our decision. At that point, even if your bill was correctwe think you owe an amount and you do not pay, we may report you as delinquent.

Your Billing Rights. (Keep This Notice this notice for Future Use. future use) This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in In Case of Errors or Questions About Your Bill. Statement If you think your bill statement is wrong, or if you need more information about a transaction on your billstatement, write us on a separate sheet at the address shown on your bill. Write to us to: Community First Guam Federal Credit Union 000 Xxxxxxxxxx Xxxxxx Xxxxxx, Suite 102 Hagatna, Guam 96910 as soon as possible. We must hear from you no later than 60 days after we sent you the first bill statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■ o Your name and account number. ■ o The dollar amount of the suspected error. ■ o 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 us to pay your credit card bill automatically from your savings share master or checking share draft account, you can stop the payment on any amount you think is wrong. To stop the payment, payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice. 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 is statement 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, and we can apply any an 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 the parts portions of your bill balance that are not in question. If we find that we made a mistake on your billstatement, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. 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 (10) 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your billstatement. 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 is finalfinally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill statement was correct.

Your Billing Rights. Keep This Notice for Future Use. 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 BillXxxx. If you think your bill xxxx is wrong, or if you need more information about a the transaction on your billxxxx, write to us on a separate sheet at the address shown on your billlisted in section 18. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill xxxx on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■ *Your name and account number. ■ *The dollar amount of the suspected error. ■ *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 us to pay your credit card bill Account xxxx automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Notice. 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 is xxxx 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 xxxx you for the amount you in question, including finance chargesFINANCE CHARGES, and 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 the parts of your bill xxxx that are not in question. If we find that we made a mistake on your billxxxx, you will not have to pay any finance charges FINANCE CHARGE related to any questioned amount. If we didn’t make a mistake, you may have to pay finance chargesFINANCE CHARGES, and you will have to make up any missed payments on the questioned amount. 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 (10) 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 to whom we reported you toyou. We must tell anyone we report you to that the matter has been settled between us when it is final. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill was correctfinally is.

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 us in Case case of Errors errors or Questions About Your Billquestions about your loan account statement. If you think your bill statement is wrong, wrong or if you need more information about a transaction on your billstatement, write us on a separate sheet at the address shown listed on your billstatement. Write to us as soon as possiblepos- sible. We must hear from you no later than 60 days after we sent you the first bill statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: ■ • Your name and account number. ■ • The dollar amount of the suspected error. ■ 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 us to pay your credit card bill loan account automatically from your savings or checking share draft account, you can stop the payment on any amount you think is wrong. To stop the payment, payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights rights and Our Responsibilities After We Receive Your Written Noticeour 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 is statement 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 send statements to you for the amount you question, including includ- ing finance charges, and 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 the parts of your bill statement that are not in question. If we find that we made a mistake on your billstatement, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement state- ment 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 (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your billstatement. 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 is finalfinally is. If we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill statement was correct. Special rule for credit card purchases. If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (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 (b) The purchase price must have been more than $50. These limitations do not apply if the credit card issuer owns or operates the merchant, or mailed you the advertisement for the property or services. ACCOUNT OPENING DISCLOSURE FOR PLATINUM VISA® CREDIT CARD Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 8.99% APR for Balance Transfers 8.99% APR for Cash Advances 8.99% Penalty APR and When it Applies Not applicable Paying Interest 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. Minimum Interest Charges Not applicable For Credit Card Tips from the Consumer Financial Protection Bureau 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. Fees Set-up and Maintenance Fees • Annual Fee $0 • Account Set-up Fee $0 • Participation Fee $0 • Additional Card Fee $0 Transaction Fees $0 $0 1% of the amount of the transaction, calculated in U.S. dollars • Balance Transfer • Cash Advance • Foreign Transaction Penalty Fees • Late Payment • Over-the-Credit Limit • Returned Payment 15% of the monthly payment will be assessed on every payment that is ten or more days past due; minimum $5 and maximum $25. $0 $32 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. The information about the costs of the card described in this Agreement is accurate as of October 2017. This information may have changed after that date. To find out what may have changed, write to us at MemberSource Credit Union, 00000 Xxxxxxxx Xxx, Xxxxxxx, XX 00000 or call us at (000) 000-0000. Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction, any application fee charged (other than certain application fees for specified credit transactions or accounts), and any participation fee charged (other than certain participation fees for a credit card account). Please call 000.000.0000, option 8 (extension 1455) to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

Your Billing Rights. Keep This Notice for Future Use. This notice contains important information tells the Holder about your rights and our the Issuer's responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your Bill. If you think your bill there is wrong, or if you need information about a transaction an error on your billstatement, write us on a separate sheet at the address shown on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone usat: CUSTOMER SERVICE, but doing so will not preserve your rightsP.O. Box 31535, Tampa, FL 33631-3535. In your letter, give us the following information: ■ Your name and account number. ■ ; The dollar amount of the suspected error; If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. ■ Describe You must contact us within 60 days after the error and explainappeared on your statement. You must contact us at least 3 business days before an automated payment is scheduled, 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 us want to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any the amount you think is wrong. To stop 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 paymentamount in question. When we receive your letter, we must do two things. Within 30 days of receiving your letter letter, we must reach us three (3) business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written Noticetell you that we received your letter. We must acknowledge your letter within 30 days, unless will also tell you if we have already corrected the error by thenerror. Within 90 daysdays of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. After While we receive your letterinvestigate whether or not there has been an error, we cannot try to collect any the amount you in question, or report you as delinquentdelinquent on that amount. We can continue to bill you for the amount you question, including finance chargesThe 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. You do not have to pay any questioned amount while After we are investigatingfinish our investigation, but you are still obligated to pay the parts one of your bill that are not in questiontwo things will happen. If we find that we made a mistake on your bill, you mistake: You will not have to pay the amount in question or any finance charges interest or other fees related to any questioned that amount. If we didn’t make do not believe there was a mistake, you may : You will have to pay finance chargesthe amount in question, along with applicable interest and you will have to make up any missed payments on the questioned amountfees. In either case, we We will send you a statement of the amount you owe and the date that it payment is due. If We may then report you fail to as delinquent if you do not pay the amount that we think you owe, we may report . If you as delinquent. However, if receive our explanation does not satisfy but still believe your bill is wrong, you and you must write to us within ten (10) 10 days telling us that you still refuse to pay. If you do so, we must tell anyone we cannot report you to as delinquent without also reporting that you have a question about are questioning your bill. And, we We must tell you the name of anyone to whom we reported you to. We as delinquent, and we must tell anyone we report you to that let those organizations know when the matter has been settled settle between us when it is finalus. If we don’t do not follow these rulesall of the rules above, we can’t collect you do not have to pay the first $50 of the questioned amount, amount you question even if your bill was is correct.. UNITY Visa Digital Wallet Terms and Conditions