Disclosures

MEMBERSHIP AGREEMENT AND DISCLOSURES
YOUR CREDIT UNION - Your credit union is unique in the financial world. It is a co-op, owned by you and your fellow members and operated in your common interest. Your credit union is non-profit and exists only to serve you, not to make money. As a credit union, you own, operate and control your credit union through your Board of Directors. You are entitled to elect and be elected to the volunteer Board of Directors, which is composed of your fellow members and manages the credit union based on the needs and wishes of the members. The Board of Directors sets dividend rates, loan interest rates, and fees, among other things, and also determines credit union policy such as that set forth in this Agreement. In addition, your credit union works cooperatively with Maine�s other credit unions and the Maine Credit Union League, pooling resources for research and development of cost effective services which benefit not only you and your fellow members, but all credit union members in Maine.

GENERAL TERMS - This Agreement contains the terms and conditions governing your membership in and accounts offered by your credit union. By signing your membership card and/or account agreement(s), you accept and agree to be bound by the provisions as set forth in them, this Agreement, the rate and fee disclosures applicable to your account(s) with your credit union, your credit union�s charter and bylaws, and any amendments or changes in terms to any of them. You will receive notice of any changes in terms in accordance with all applicable state and federal laws and regulations.

The terms and conditions as set forth in this Agreement are applicable to all types of accounts offered by your credit union. There may be different or more specific terms and conditions which apply to certain accounts. Those different or specific terms are contained in the membership card, share certificate, share draft agreement or other documents evidencing the account. To the extent that there are different terms or terms which are not included in this Agreement on those documents, such terms supersede this Agreement.

PRIVILEGES OF CREDIT UNION MEMBERSHIP- Being a credit union member carries with it may privileges including the ability to open accounts, other than ordinary share accounts, such as share draft accounts, to make and receive electronic funds transfers and wire transfers; and to obtain loans and lines of credit. However, it is your credit union�s policy to deny these privileges to membership who cause a loss to the credit union for any reason. Therefore, if you cause a loss to the credit union, and thus to your fellow members, you will lose your privileges of membership.

ACCOUNT OWNERSHIP � You can structure the ownership of your account(s) in a variety of ways. Rights and obligations relating to the account will depend on the type of ownership of the account.

1. SOLE ACCOUNTS � If you are the sole owner of an account, only you can make deposits or withdrawals or otherwise have access to the funds in the account. Upon death, the funds in the account are distributed in accordance with the terms of your will, or, if you do not leave a will, the intestacy laws of the state of your residency.
2. JOINT ACCOUNTS � Any joint owner has an equal right of access to the funds in a joint account and can withdraw all of funds in the account without permission from or notification to the other joint owner(s). At the death of one joint owner, the funds automatically belong to the surviving joint owner(s). Joint owners do not have to be credit union members.
3. PAYABLE ON DEATH ACCOUNTS � Payable on death accounts belong to the person(s) listed as the owner or owners of the account during their lives. On death, the funds automatically belong to the person or persons designated as payable on death beneficiaries.
4. TRUST ACCOUNTS � Depending on membership eligibility, you may hold an account as Trustee for the benefit of another person or persons, or another person or persons may hold an account as Trustee for your benefit. In order to establish a Trust account, membership eligibility requirements must be met in accordance with the credit union�s charter or bylaws.
5. ORGANIZATIONAL ACCOUNTS � The funds in an organizational account are owned by a corporation, trust (including a living trust), partnership, social club, sports team, etc. In order for the organization to be a credit union member, eligibility requirements must be met in accordance with the credit union�s charter or bylaws. If the organization does not qualify for membership, it can be a joint owner of the account with an individual member.

LIEN ON SHARES - A lien will be impressed on all of your credit union shares and share dividends in an amount equal to that which you may owe your credit union because of a loan, dues or any other charges payable by you to your credit union. The lien may be enforced and your funds withdrawn and applied to your debt without further notice to you except as required by law if you default in paying the amount you owe.

ACCOUNT CLOSING � Your regular credit union share account cannot be closed until all amounts you owe your credit union are paid in full and all other accounts that you have with your credit union are closed.

ENDORSEMENTS - All check/share draft endorsements must be made in the first one and one-half inches of the trailing edge of the back of the check/share draft. The trailing edge is opposite the left side of the face of the check. You will be responsible for any costs incurred by your credit union due to delays in returning checks or share drafts deposited into your account that do not comply with these endorsements standards.

SHARE INSURANCE � Funds in your accounts at your credit union are insured up to $100,000 by the National Credit Union (NCUA) an agency of the United States Government. If you would like more information about your share insurance, a pamphlet �Your Insured Funds� is available upon request.

GOVERNING LAW � The rights, duties, obligations and liabilities of your and your credit union in connection with your membership and account(s) are and shall be controlled by Maine and/or Federal law as applicable and in effect at the time the rights, duties, and liabilities arise, other than as specifically set forth in this Agreement, your credit union charter or your specific account documentation.

COMPLAINT RESOLUTION - If you have a dispute with your credit union regarding your account(s) you may contact your credit union�s complaint representative or department and attempt to resolve the problem directly with your credit union.

If your credit union fails to resolve the problem, write a letter detailing the problem, and the resolution you are seeking to:
Consumer Outreach Program
Bureau of Financial Institutions
State House Station 36
Augusta, ME 04333
The Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim or refer it to the appropriate federal supervisory agency and inform you to whom it has been referred. You will be informed of the results of any Bureau of Financial Institutions investigation.

PERSONAL IDENTIFICATIONNUMBER (P.I.N) � is your �remote banking signature�. You are responsible for maintaining its confidentiality. The P.I.N. should be memorized and not written, in order to prevent unauthorized use, and so you may report its loss or theft accurately.

AUTHORIZED USE � Only you are qualified to direct deposit or withdrawal of funds to or from your account(s) whether with the use of the CU24 or VISA Check card and/or P.I.N. at merchant or bank locations or remote facilities or otherwise. Positive identification may be requested by the merchant or bank prior to any transaction. You agree that you will not use or allow anyone else to use your card or P.I.N. for any transaction that is illegal under applicable federal, state, or local law.

CONSUMER LIABILITY FOR UNAUTHORIZED ELECTRONIC FUNDS TRANSERS MADE IN CONNECTION WITH CU24 VISA CHECK CARD � THIS SECTION APPLIES TO UNAUTHORIZED ELECTRONIC FUNDS TRANSERS MADE IN CONNECTION WITH A CU24 VISA CHECK CARD. Tell us AT ONCE if you believe your card, P.I.N. or other information which could provide electronic access to your account has been LOST or STOLEN, or if you believe someone has used your card or PIN or accessed your account without permission. Telephoning is the best way of keeping your possible losses down.

If a VISA or Interlink transfer was made using your card or card number without your permission and was not caused by your gross negligence or fraud, you will have no liability for this unauthorized transfer. For all other transfers, including transfers made using ATM�s, you can lose no more than $50.00 if you tell us within two (2) business days that your card or PIN was used to make a transfer without your permission. If you do NOT tell us within two (2) business days, and we can prove that we could have stopped someone from making a transfer without your permission if you had told us, you could lose as much as $500.00.

CONSUMER LIABILITY FOR ALL OTHER UNAUTHORIZED ELECTRONIC FUNDS TRANSFER � Tell us AT ONCE if you believe your card, P.I.N. or other information which could provide electronic access to your account has been LOST or STOLEN. Telephoning is the best way of keeping your possible loans down. If you tell us within two business days, you can lose no more than $50.00 if someone uses your card, P.I.N., or other information without your permission.

If you DO NOT tell us within two business days after you learn of the loss or theft of your card, P.I.N. or other information, and we can prove that we could have stopped someone from using your card, P.I.N. or other information, without your permission if you had told us, you could lose as much as $500.00.

If your statement shows transfers you did not make or authorize, tell us at once. If you DO NOT tell us within 60 days after the statement was mailed to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason such as long trip or a hospital stay kept you from telling us, we will extend the time period.

NOTIFICATION PROCEDURE � If you believe that your card, P.I.N. or other information which could provide electronic access to your account has been LOST or STOLEN, or that someone has transferred or may transfer money from your account without permission, call us at the number shown at the beginning of this Agreement, or write us at the address given at the beginning of this Agreement.

ELECTRONIC CHECK TRANSFERS - Merchants and other payees may be authorized to electronically debit your share draft or checking account using information you provide on or with a share draft check. These debits are electronic funds transfers subject to this agreement.

BUSINESS DAYS � Our business days are Monday � Friday, excluding state and federal holidays.

TYPE OF TRANSACTIONS AVAILABLE � You may use your card to withdraw from or make deposits to your share or share draft accounts, and perform such other financial transactions as we may from time to time permit during the business hours of any remote financial facility. You may also pay for purchases at places that have agreed to accept your card (called Point-of-Sale purchases). You may use your P.I.N. to make withdrawals from your share, vacation, and all purpose accounts to transfer between your share and share draft accounts, to make a payment of a loan with us, and to inquire about your account balance, last share withdrawal, interest, dividends, last draft deposit, last share deposit, last transaction, loan inquiry, draft number inquiry, and certificate inquiry. Utilizing Teller-Phone, you may use your P.I.N. to make withdrawals from your share, to transfer between your share and share draft accounts or any account where you are an owner or a joint owner. You may also request a loan payoff status and make other types of electronic funds transfers, such as direct deposit, payroll deduction and automatic payments. If a withdrawal is requested, a check in the amount of the withdrawal will be mailed to the same address that we mail your statements.

LIMITATION OF FREQUENCY AND AMOUNT OF TRANSACTIONS � For your protection, we have limited the amount of each withdrawal from an account to three hundred dollars ($300.00) per day at a remote banking facility. You may buy up to five hundred ($500.00) worth or goods or services each day in our Point-of-Sale transfer service.

LIMITATION OF FREQUENCY AND AMOUNT OF TRANSACTIONS FOR VISA DEBIT CARDS � For your protection, we have limited the amount of each withdrawal from an account to three hundred dollars ($300.00) per day at a remote banking facility. You may buy up to one thousand dollars ($1,000.00) worth of goods or services each day in our Point of Sale transfer service. If the transaction is processed off line, you may purchase $300.00 per day at a Point of Sale.

DELAYS IN POSTING TRANSACTIONS � Due to the nature of the �ATM� system, there will be delays between the time of any activity on your account(s) and the time it is reflected in our records of your account(s).

CHARGE FOR ORIGINATING SHARES AND REMOTE BANKING TRANSACTION � A transaction resulting in a withdrawal from your share draft account using the CU24 card or your P.I.N. or other information which could provide electronic access to your account is considered the same as any other share draft in regards to our service charge formulas. The type of account determines if and when a charge will be assessed. Current charges are set forth on the rate and fee schedule you receive with this Agreement.

FEES � If you use an ATM or other electronic terminal that we do not own, you may be charged a fee by the terminal owner and any national, regional or local network used in processing the transaction. Any such fee(s) will be debited from your account if you elect to complete the transaction.

CONDITIONS UNDER WHICH WE WILL DISCLOSE INFORMATION � You agree that we may, and you hereby authorize us to, disclose information to third parties about your account(s) or the transfers you make (1) where it is necessary for completing transfers; (2) in order to verify the existence and condition of your accounts for a third party, such as a credit bureau or merchant; (3) in order to comply with government agency or court orders as permitted by law; or (4) if you give us written permission.

DOCUMENTATION OF TRANSAFER AND TRANSACTION � You will receive a copy of the deposit/withdrawal slip at the time a transaction using your CU24 card is originated. You will also receive on a monthly basis a statement of your account activity. You will not receive any slip or confirmation of other transactions other than the monthly statement.

ERROR RESOLUTION � Telephone or write us at the number and address shown on the back of this Agreement as soon as possible 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 sixty (60) days after we send you the FIRST statement on which the problem or error appeared. Provide the following information:

If you tell us orally, we may require that you send your complaint or questions in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. For international transactions, we may take up to ninety (90) days to investigate your complaint or question.

If we decide to do this, we will recredit your account within ten (10) five (5) business days for VISA check Card purchases) for the amount you think is in error, so you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not recredit your account.

If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

OVERDRAFTS � If any withdrawal(s) creates a negative balance in your account, you shall repay to us the amount of such overdraft, including customary and usual overdraft charges in the same manner as any other overdraft on such an account.

CANCELLATION � Your card and P.I.N. remain our property. Immediate surrender of either may be required by us at any time. We may cancel the card, P.I.N. and/or all electronic funds transfer privileges at any time without notice or cause. Any cancellation or termination shall not affect any of your existing liability to us.

LIABILITY - If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

We expressly disclaim all warranties that the components, including, but not limited to, cards and terminals, shall function properly or be available for use.

AGREEMENT MODIFICATION � This part of the Agreement may be amended by us without prior notice to you when such a change is immediately necessary to maintain or restore the security of the system or a member�s account; however, we will notify you in writing thirty (30) days prior to the effective date of any other changes in any term or condition of the Agreement of your account, if such change would result in greater cost liability for your or decreased access to your account.

JOINT ACCOUNTS � All parties to a joint account each agree to be jointly and severally bound hereunder. All cards shall be returned to us prior to the addition or decision of a name from any account subject to this Agreement. The P.I.N. may provide access to accounts owned by the primary member. Joint owners may have access to the primary member�s accounts at the credit union, including accounts owned singly by the primary member�s accounts at the credit union, including accounts owned singly by the primary member or jointly by the primary member and other persons.

Your credit union�s policy is to make funds available to your on the same business day we receive your deposit. At that time, you can withdraw the funds in cash and/or we will use the funds to pay checks that you have written. For determining availability of your deposits, every day is a business day, except Saturdays, Sundays, and State and Federal holidays. Deposits made in our night depository will be credited to your account on the next business day we are open.

RESERVATION OF RIGHT TO HOLD � In some cases, we will not make all of your funds that you deposit by share draft or check available to you on the same business day of your deposit. Depending on the type of share draft or check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $100 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to a credit union employee, or if we decide to take this action after you have left the premises, we will mail you the notice by the business day after we receive the deposit. If you need the funds form a deposit right away, you should ask when the funds will be available.

LONGER DELAYS MAY APPLY � We may delay your ability to withdraw funds deposited by share draft or check into your account an additional number of days for these reasons:

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the fourth business day after the day your deposit is otherwise available for withdrawal.

HOLD ON OTHER FUNDS � If we cash a share draft or check for you that is drawn on another financial institution; we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the share draft or check we cashed would have been available if you had deposited it. If we accept for deposit a share draft or check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to with draw a corresponding amount of funds that you have on deposit in another account with your credit union. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of share draft or check that you deposited.

SPECIAL RULES FOR NEW ACCOUNTS � If you are a new member, the following special rules apply during the first 30 days your account is open:

The first $5,000.00 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit. The excess over $5,000.00 will be available on the second business day after the day of your deposit. Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer.

Funds from deposits of cash and the first $5,000.00 of a day�s total deposits of cashier�s certified, tellers, traveler�s and state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000.00 will be available on the fifth business day after the day of your deposit. If you do not take the deposit in person to a credit union employee, the first $5,000.00 will not be available until the second business day after the day of your deposit.

Funds from deposits of share drafts drawn on your credit union will be available on the same business day as the day of your deposit.

Funds from all other share draft or check deposits will be available not later than the fifth business day after the day of your deposit.

You may desire to initiate a funds transfer using your credit union, and your credit union may receive funds transfers for credit to an account of yours at the credit union, or for further transfer on your behalf. Transfers sent or received by you on your behalf may go by Fedwire. Regulation J governs Fedwire. In addition to the specific provisions of Regulation J, this part of the Agreement is applicable to all such funds transfers.

1. SECURITY PROCEDURE � Your instructions specifying the terms and conditions of funds transfer shall be verified according to your credit union�s security procedure. In the event that you decline to accept the security procedure recommended by your credit union, you agree that any security procedure you select is commercially reasonable. You further agree that you shall be bound by any instructions, whether or not authorized, which is issued in your name and accepted by your credit union in compliance with the security procedure.

2. INCONSISTENCIES IN ORDERS � You acknowledge and agree that your credit union and the beneficiary�s (funds transfer recipient) financial institution in the funds transfer may rely on the number in a payment order that identifies the beneficiary, even if it identifies a person different from the person identified by name in the payment order, if the beneficiary�s financial institution, even if it identifies an intermediary financial institution or beneficiary�s financial institution identified by name in the payment order, if your credit union does not know of the inconsistency. Your credit union has no duty to detect any such inconsistencies.

3. NOTICE � For each funds transfer you receive at your credit union, you will receive notice of the transfer by having the amount received posted to your records or by some other mutually agreeable means. Your credit union is not required to give you notice of receipt and will not do so. Your credit union will, however, notify you of the receipt of payments in any periodic statements that your credit union provides to you.

4. PROVISIONAL CREDIT � Credit given by your credit union to you with respect to a funds transfer is provisional until your credit union receives final settlement for the transfer through a Federal Reserve Bank. If your credit union does not receive such final settlement, you acknowledge and agree that your credit union is entitled to a refund of the amount credited to your account(s) in connection with the transfer. In the event that your credit union does not receive final settlement, you agree that your credit union may reverse the entry on its records and adjust your account(s) accordingly. The party making payment to you via such transfer shall not be deemed to have paid you the amount of the credit.

5. INTEREST AND/OR DIVIDENDS � If your credit union is obligated to pay interest or dividends with respect to any funds transfer, the amount payable shall be limited to the dividend rate paid on the account to which a funds transfer is deposited or from which the transfer should have occurred.

6. INSTRUCTIONS � Your credit union is not obligated to accept any instruction(s) from you relating to any funds transfer. If your credit union rejects a payment order you issue, you will be notified of the rejection in writing. The notice will be sent via the U.S. Postal Service, postage prepaid, to you at your address as listed in your credit union records.

CREDIT CARD AGREEMENT

Regulartion Z

In this agreement, the words you and your mean each and all of those who apply for the card or who sign the application. Card means a VISA� Credit Card and any duplicates and renewals we issue. Everyone who receives, signs or uses a card issued under this Agreement must be a member of this Credit Union. Account means your VISA� Credit Card Line of Credit account with us. The words we, us, and ours mean this Credit Union.

1. Responsibility. If we issue you a card, you agree to pay all debts and the FINANCE CHARGE arising from the use of the card and the card account. You are also responsible for charges made by anyone else to whom you give the card, and this responsibility continues until the card is recovered. You cannot disclaim responsibility by notifying us, but we will close the account for new transactions if you so request and return all cards. Your obligation to pay the account balance continues even though an agreement, divorce decree, or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the account. If this is a joint account, section 15 below also applies to your account. You agree that you will not use or allow anyone else to use your card for any transaction that is illegal under the applicable federal, state or local law.

2. Lost Card Notification. If you believe your credit card has been lost or stolen, you will immediately call the Credit Union at 1-800-682-6075.

3. Liability for Unauthorized Use. You will not be liable to the credit union for the unauthorized use of your card if the unauthorized use was not caused by your gross negligence or fraud. In any case, your liability to the credit union will not exceed $50.00 for other unauthorized use of your card that occurs prior to the time when you give notice of possible unauthorized use to the credit union at 77 No. Main St., Brewer or 229 Dirigo Dr., Brewer, Tel # 1-800-682-6075 and you will not be liable for unauthorized use that occurs after you notify the credit union of possible unauthorized use.

4. Credit Line. If we approve your application, we will establish a self-plenishing Line of Credit for you and notify you of its amount when we issue the card. You agree not to let the account balance exceed this approved Credit Line. Each payment you make on the account will restore you Credit Line by the amount of the payment which is applied to principal. You may request an increase in your Credit Line only by written application to us, which must be approved by us. By giving you written notice, we may reduce your Credit Line from time to time or, with good cause, revoke your card and terminate this Agreement. Good cause includes your failure to comply and terminate this Agreement or our adverse reevaluation of your credit-worthiness. You may also terminate this Agreement at any time but termination by either of use does not affect your obligation to pay the account balance. The cards remain our property, and you must recover and surrender to us all cards upon request and upon termination of this Agreement.

5. Credit Information. You authorize us to investigate your credit when opening, renewing, or reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus, and other creditors who inquire of us about your credit standing.

Monthly Statement. We will mail you a statement every month showing your Previous Balance of purchases and cash advances, the current transactions on your account, the remaining credit available under your Credit Line, the New Balance of purchases and cash advances, the Total New Balance, the finance charge due to date, and the Minimum Payment Required.

Minimum Payment. Every month you must pay at least the Minimum Payment within 25 days of your statement closing date. By separate agreement you may authorize us to charge the minimum payment, or pay the total New Balance in full, and you will reduce the fianc� charge by doing so. The Minimum Payment will be any portion of the Minimum Payments shown on prior statements which remain unpaid plus either (a) 3% of your Total new Balance or $20.00, whichever is greater, or (b) your Total New Balance if it is less than $20.00. In addition, at any time your Total New Balance exceeds your Credit Line, you must immediately pay the excess upon our demand.

Payment made to your account will be applied in the following order: Fees and Finance Charges; Previously Bill Purchases, Cash Advances; New Purchases. We may accept checks marked �payment in full� or word of similar effect without losing any of our rights to collect the full balance of your account with us.

When Finance Charges Being. A finance charge will be imposed on cash advances from the date made or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is later, and will continue to accrue until the date of payment. A finance charge will be imposed on purchases only if you elect not to pay the entire new balance of purchases shown on your monthly statement within 25 days from the closing date of that statement. If you elect not to pay the entire new balance of purchases shown on your monthly statement within that 25 days, a finance charge will be imposed on the unpaid average daily balance of those purchases from the statement closing date (but not on purchases posted during the current billing period) and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance of purchases is paid in full or until the date of payment if more than 25 days from the closing date.

Figuring the Finance Charge. The FINANCE CHARGE (interest) is calculated at the periodic rate of 1.1600% per month, which is an ANNUAL PERCENTAGE RATE of 13.92%.

Cash Advances. The finance charge on cash advances for a billing cycle is computed by applying the monthly periodic rate to the average daily balance, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined by adding to the previous cash advances (the outstanding cash advance balance of your account at the beginning of the billing cycle) any new cash advances received and subtracting any payments as received or credits as posed to your account, but excluding any unpaid finance charges.

Purchases. The finance charge on purchases for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of purchases, which is determined by dividing the sum of the daily balances or purchases during the billing cycle by the number of days in the cycle. Each daily balance of purchases is determined by subtracting from the outstanding unpaid balance of purchases at the beginning of the billing cycle any payments as received and credits as posted to your account, but excluding any unpaid finance charges.

8. Default. You will be in default if you fail to make any Minimum Payment within 25 days after your monthly statement closing date. You will also be in default if your ability to repay is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death or your failure to abide by this Agreement. We have the right to demand immediate payment of your full account balance if you default, subject to our giving you any notice required by law.

9. Using the Card. To make a purchase or cash advance, there are two alternative procedures to be followed. One is for you to present the card to a participating VISA� Credit Card plan merchant, to us, or to another financial institution and sign the sales or cash advance draft which is imprinted with your card. The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine or other type of electronic terminal that provides access to the VISA� Credit Card system. The monthly statement will identify the merchant, electronic terminal, or financial institution at which transactions were made, but sales, cash advance, credit or other slips cannot be returned with the statement. You will retain the copy of such slips furnished at the time of the transaction in order to verify the monthly statement. The Credit Union may make a reasonable charge for photocopies of slips you request.

10. Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by sending us a credit slip, which we will post to your account. If your credits and payments exceed what you owe us, we will hold and apply this credit balance against future purchases and cash advances or, if it is $1.00 or more, refund it on your written request or automatically after 6 months.

11. Foreign Transactions. Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The conversion rate to dollars will be at wholesale market rate or the government mandated rate, whichever is applicable, in effect one day prior to the processing date, increased by one percent.

12. Plan Merchant Disputes. We are not responsible for the refusal of any plan merchant or financial institutions to honor your card. We are subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the card only if you have made a good faith attempt but have been unable to obtain satisfaction from the plan merchant, and (a) your purchase was made in response to an advertisement we sent or participated in sending to you, or we own or operate the merchant; or (b) your purchase cost more than $50.00 and was made from a plan merchant in your state or within 100 miles of your home. Any other disputes you must resolve directly with the plan merchant.

13. Security Interest. You may be giving a security interest in a specific amount of your share or share draft account(s) with the Credit Union by signing a separate pledge of shares agreement. If you give a security interest at the Credit Union, you must maintain the amount of the security given in your account(s) at all times during which you have the right to use your card(s). Other than this security interest, we will not assert any statutory right we may have if you are in default to prevent withdrawal of your Credit Union shares in other accounts or in the secured account(s), above the amount of the security you give. The Credit Union also waives any other security interest it may have for advances or purchases made under this agreement.

14. Effect of Agreement. This Agreement is the contract, which applies to all transactions on your account even though the sales, cash advance, credit or other slips you sign or receive may contain different terms. WE may amend this Agreement from time to time by sending you the advance written notice required by law. Your use of the card thereafter will indicate your agreement to the amendments. To the extent the law permits, and we indicate in our notice, amendments will apply to your existing account balance was well as to future transactions.

15. Joint Accounts. If this is a joint account, each person on the account must sign the agreement. 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 your individually to repay the entire amount owned 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.

16. Other Charges. You will be charged a late fee (20^th Day) of $10.00; a copy of statement fee $2.00, a copy of sales draft fee $5.00, a cash advance transaction fee of 2%, $2.00 minimum, or $20.00 maximum; replacement card fee of $10.00 and a high balance fee of $10.00.

18. Signatures. By signing in the Signature area of the application form that was attached to this Agreement when you received it, you agree to the terms of this Agreement. You should detach this Agreement from the application and retain it for your records.

19. Optional Insurance Coverage. We offer joint credit life and single credit disability coverage at the cardholder�s expense. You can at any time cancel this coverage by notifying the credit union.

YOUR BILLING RIGHTS

KEEP THIS NOTICE FOR FURTHER USE

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

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 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 in which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.

� 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 yours savings or share draft account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur.

We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct.

After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you questions, including finance charges, and we can apply 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 is due.

If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you, and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported to. We must tell anyone we report you to that the matter has been settled between us when it finally is.

If we don�t follow these rules, we can�t collect the fist $50.00 of the questioned amount, even if your bill was correct.

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. Thee are two limitations to this right:

1. 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

These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.