Common use of Your Rights If You Are Dissatisfied With Your Credit Card Purchases Clause in Contracts

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: • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: MSU Federal Credit Union X/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx Xxxxxxx, XX 00000-0000 xxxxxx.xxx While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Platinum Plus Visa Credit Card Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.9% to 17.9% based on your creditworthiness APRs for Balance Transfers 13.9% to 17.9% based on your creditworthiness APRs for Cash Advances 13.9% to 17.9% based on your creditworthiness

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: • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: MSU Federal Credit Union XC/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx XxxxxxxO Visa Department PO Box 1208 East Lansing, XX 00000MI 48826-0000 1208 xxxxxx.xxx While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Platinum Plus Visa Credit Card Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.9% to 17.9% based on your creditworthiness APRs for Balance Transfers 13.9% to 17.9% based on your creditworthiness APRs for Cash Advances 13.9% to 17.9% based on your creditworthiness

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: • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 50. (Note: Neither of these are necessary if your purchase pur- chase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • You must have used your credit card for the purchasepur- chase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied dis- satisfied with the purchase, contact us in writing or electronically at: MSU Empower Federal Credit Union X/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx Xxxxxxx1 Member Way Syracuse, XX 00000-0000 xxxxxx.xxx NY 13212 xxx.xxxxxxxxxx.xxx While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Platinum Plus Visa Credit Card Disclosure Interest Rates 315.477.2200 800.462.5000 xxx.xxxxxxxxxx.xxx Your saving federally insured to at least $250,000 and Interest Charges Annual Percentage Rate (APR) for Purchases 13.9% to 17.9% based on your creditworthiness APRs for Balance Transfers 13.9% to 17.9% based on your creditworthiness APRs for Cash Advances 13.9% to 17.9% based on your creditworthinessbacked by the full faith and credit of the United States Government

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 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: • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses access your credit card account do not qualify. • 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 using Messages or electronically write us at: MSU Federal Credit Union X/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx XxxxxxxLockbox 6112 P.O. Box 7247 Philadelphia, XX 00000PA 19170-0000 xxxxxx.xxx 6112 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Platinum Plus Visa Arbitration Provision This section is an arbitration provision and contains important information that affects your legal rights. PLEASE READ IT CAREFULLY. This arbitration provision does not apply to service members and their dependents who are entitled to protection under the Military Lending Act (10 U.S.C. § 987). If you would like more information about whether you are entitled to protection under the Military Lending Act and whether this section applies to you, please call us toll-free at 000-000-0000. This arbitration provision shall also apply to any Claims (as defined below) brought by or against Apple Inc. or any of its affiliates (“Apple”). ACKNOWLEDGMENT OF ARBITRATION Credit Card Disclosure Interest Rates is being extended to you and Interest Charges Annual Percentage Rate you are being provided access to and use of your Account on the basis of the inclusion of the following arbitration provision. By accepting this Agreement or using your Account, unless you reject arbitration as provided below, you acknowledge that YOU ARE GIVING UP THE RIGHT TO LITIGATE CLAIMS (APRAS DEFINED BELOW) for Purchases 13.9% AND THE RIGHT TO INITIATE OR PARTICIPATE IN A CLASS ACTION. You hereby knowingly and voluntarily WAIVE THE RIGHT TO BE HEARD IN COURT OR HAVE A JURY TRIAL on all Claims subject to 17.9% based this Agreement. You further acknowledge that you have read this arbitration provision carefully, agree to its terms, and are entering into this Agreement voluntarily and not in reliance on your creditworthiness APRs for Balance Transfers 13.9% to 17.9% based on your creditworthiness APRs for Cash Advances 13.9% to 17.9% based on your creditworthinessany promises or representations whatsoever except those contained in this Agreement. HOW TO REJECT THIS ARBITRATION PROVISION YOU MAY REJECT THIS ARBITRATION PROVISION BY CONTACTING US USING MESSAGES, CALLING US, OR WRITING TO US, AND STATING THE FOLLOWING: (I) YOUR NAME; (II) THE EMAIL ADDRESS ASSOCIATED WITH YOUR ACCOUNT; (III) THE ADDRESS ASSOCIATED WITH YOUR ACCOUNT; AND (IV) THAT YOU ARE EXERCISING YOUR RIGHT TO REJECT THIS ARBITRATION PROVISION (A "REJECTION NOTICE"). YOUR REJECTION NOTICE MUST BE RECEIVED WITHIN 90 DAYS AFTER THE OPENING OF YOUR ACCOUNT. IF YOUR REJECTION NOTICE COMPLIES WITH THESE REQUIREMENTS, THIS ARBITRATION PROVISION WILL NOT APPLY TO YOU, EXCEPT FOR ANY CLAIMS SUBJECT TO PENDING LITIGATION OR ARBITRATION AT THE TIME YOU SEND YOUR REJECTION NOTICE. ANY REJECTION NOTICE THAT COMPLIES WITH THIS PROVISION WILL APPLY TO BOTH US AND APPLE. REJECTION OF THE ARBITRATION PROVISION WILL NOT AFFECT YOUR OTHER RIGHTS OR RESPONSIBILITIES UNDER THIS ARBITRATION PROVISION OR THIS AGREEMENT.

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: • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: MSU Federal Credit Union XC/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx XxxxxxxO Visa Department PO Box 1208 East Lansing, XX 00000MI 48826-0000 1208 xxxxxx.xxx While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Platinum Plus Visa Credit Card Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.99.9% to 17.9% based on your creditworthiness APRs for Balance Transfers 13.90% introductory APR for six (6) months from date of account opening. Rate then reverts to standard rate (9.9% to 17.9% %), based on your creditworthiness creditworthiness. APRs for Cash Advances 13.99.9% to 17.9% based on your creditworthiness

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you You are dissatisfied with the goods or services that you have purchased with your credit card Your Credit Card, and you You have tried in good faith to correct the problem with the merchant, you You may have the right not to pay the remaining amount due on the purchasePurchase. To use this right, all of the following must be true: • 1. The purchase Purchase must have been made in your Your home state or within 100 miles of your Your current mailing address, and the purchase Purchase price must have been more than $50.00 50. (Note: Neither of these are is necessary if your purchase Your Purchase was based on an advertisement we We mailed to youYou, or if we We own the company that sold you You the goods or services.) • 2. You must have used your credit card Your Credit Card for the purchasePurchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account Your Credit Card Account do not qualify. • 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you You are still dissatisfied with the purchase, contact us Purchase Contact Us in writing or electronically at: MSU Federal Credit Union X/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx XxxxxxxOrange Bank & Trust Company 000 Xxxxxx Xxxxxx Middletown, XX 00000-0000 xxxxxx.xxx NY 10940 You may also contact Us via email at xxxxx@xxxxxxxxxxxxxxx.xxx While we We investigate, the same rules apply to the disputed amount as discussed above. After we We finish our Our investigation, we We will tell you our You Our decision. At that point, if we We think you You owe an amount and you You do not pay, we pay We may report you You as delinquent. MSUFCU Platinum Plus Visa Credit Card Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.9% to 17.9% based on your creditworthiness APRs for Balance Transfers 13.9% to 17.9% based on your creditworthiness APRs for Cash Advances 13.9% to 17.9% based on your creditworthiness.

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 Access Card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: • 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • 2. You must have used your credit card for the purchase. Purchases made with cash advances from an and ATM or with a check that accesses your credit card account Account do not qualify. • 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: MSU Federal Credit Union X/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx XxxxxxxCardmember Service P.O. Box 6335 Fargo, XX 00000ND 58125-0000 xxxxxx.xxx 6335 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Platinum Plus Visa SPECIAL RULES FOR VISA ACCESS CARD PURCHASES DO NOT APPLY TO PURCHASES MADE WITH INVESTMENT EQUITY LINE CHECKS. For Payments U.S. Bank National Association P.O Box 000000 Xx. Xxxxx, XX 00000-0408 For General U.S. Bank National Association Inquires and c/o Cardmember Service Lost/Stolen P.O Box 6352 Card Reports Fargo, ND 00000-0000 Phone: 0-000-000-0000 TDD: 0-000-000-0000 Fax: 0-000-000-0000 For Credit, U.S. Bank National Association Close and U.S. Bank Credit Card Disclosure Interest Rates and Interest Charges Annual Percentage Rate Department Stock Sale Attention; Investment Equity Line (APRIEL) for Purchases 13.9% to 17.9% based on your creditworthiness APRs for Balance Transfers 13.9% to 17.9% based on your creditworthiness APRs for Cash Advances 13.9% to 17.9% based on your creditworthinessRequests P.O Box 6361 Submit Fargo, ND 00000-0000 In Writing; Phone; 0-000-000-0000 TDD: 0-000-000-0000 Fax: 0-000-000-0000 Rev. 10/13 41769

Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you You are dissatisfied with the goods or services that you have purchased with your credit card Your Credit Card, and you You have tried in good faith to correct the problem with the merchant, you You may have the right not to pay the remaining amount due on the purchasePurchase. To use this right, all of the following must be true: • 1. The purchase Purchase must have been made in your Your home state or within 100 miles of your Your current mailing address, and the purchase Purchase price must have been more than $50.00 50. (Note: Neither of these are is necessary if your purchase Your Purchase was based on an advertisement we We mailed to youYou, or if we We own the company that sold you You the goods or services.) • 2. You must have used your credit card Your Credit Card for the purchasePurchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account Your Credit Card Account do not qualify. • 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you You are still dissatisfied with the purchase, contact us Purchase Contact Us in writing or electronically at: MSU Federal Credit Union X/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx XxxxxxxOrange Bank & Trust Company 000 Xxxxxx Xxxxxx Middletown, XX 00000-0000 xxxxxx.xxx NY 10940 You may also contact Us via email at xxxx@xxxxxxxxxxxxxxx.xxx While we We investigate, the same rules apply to the disputed amount as discussed above. After we We finish our Our investigation, we We will tell you our You Our decision. At that point, if we We think you You owe an amount and you You do not pay, we pay We may report you You as delinquent. MSUFCU Platinum Plus Visa Credit Card Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.9% to 17.9% based on your creditworthiness APRs for Balance Transfers 13.9% to 17.9% based on your creditworthiness APRs for Cash Advances 13.9% to 17.9% based on your creditworthiness.

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: • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: MSU Federal Oakland University Credit Union X/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx Xxxxxxx, XX 00000-0000 xxxxxx.xxx xxx.xxxxxxxxxxxxx.xxx While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Platinum Plus OU Credit Union Visa Credit Card Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.98.9% to 17.9% based on your creditworthiness APRs for Balance Transfers 13.90% introductory APR for six (6) months from date of account opening. Rate then reverts to standard rate (8.9% to 17.9% %), based on your creditworthiness creditworthiness. APRs for Cash Advances 13.98.9% to 17.9% based on your creditworthiness

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 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: • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 50. (Note: Neither None of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing (or electronically at: MSU Federal Credit Union X/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx Xxxxxxxelectronically) at Heartland Bank and Trust Company, XX 00000-0000 xxxxxx.xxx 000 X. Xxxxxxx Rd., Bloomington IL, 61704, or xxx.xxxxxxx.xxx. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Platinum Plus Visa Credit CUSTOMER SERVICE: 000-000-0000 – 24 hours a day/7 days a week. (Please have Account information available.) Authorization: I certify that I am at least 18 years of age, and that I have read and agree to all the terms, authorizations and disclosures contained on this form and that everything I have stated in the detachable certificate is true and correct. I authorize the Bank named on this certificate to check my credit record and to verify my credit, employment, and income references. I understand that the use of any card issued in conjunction with this offer will constitute my acceptance of and will be subject to the terms and conditions of the Card Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) Agreement. I agree to be responsible for Purchases 13.9% all charges incurred according to 17.9% based on your creditworthiness APRs for Balance Transfers 13.9% the Card Agreement. I understand that the terms of my Account are subject to 17.9% based on your creditworthiness APRs for Cash Advances 13.9% to 17.9% based on your creditworthinesschange

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: • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: MSU Federal Oakland University Credit Union XC/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx XxxxxxxO Visa Department PO Box 1208 East Lansing, XX 00000MI 48826-0000 xxxxxx.xxx 1208 xxxxxxxxxxxxx.xxx While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Oakland University Credit Union Platinum Plus Visa Credit Card Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.9% to 17.9% based on your creditworthiness APRs for Balance Transfers 13.9% to 17.9% based on your creditworthiness APRs for Cash Advances 13.9% to 17.9% based on your creditworthiness

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 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: • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: MSU :APG Federal Credit Union X/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx XxxxxxxUnion, XX 00000-0000 xxxxxx.xxx P.O. Box 1176, Aberdeen, MD 21001. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Platinum Plus Visa In case of errors or questions about your electronic funds transfer (Federal Electronic Funds Transfer Act) Telephone us at (000) 000-0000 or toll-free at 1-800-225- 2555. TTY: 0-000-000-0000. Or write us at APG Federal Credit Card Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.9% to 17.9% based Union, P.O. Box 1176, Aberdeen, Maryland 21001-6176, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on your creditworthiness APRs for Balance Transfers 13.9% to 17.9% based the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on your creditworthiness APRs for Cash Advances 13.9% to 17.9% based on your creditworthinesswhich the problem or error appeared.

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: • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: MSU Federal Oakland University Credit Union XC/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx XxxxxxxO Visa Department PO Box 1208 East Lansing, XX 00000MI 48826-0000 xxxxxx.xxx 1208 xxxxxxxxxxxxx.xxx While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Oakland University Credit Union Platinum Plus Visa Credit Card Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.99.9% to 17.9% based on your creditworthiness APRs for Balance Transfers 13.90% introductory APR for six (6) months from date of account opening. Rate then reverts to standard rate (9.9% to 17.9% %), based on your creditworthiness creditworthiness. APRs for Cash Advances 13.99.9% to 17.9% based on your creditworthiness

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 card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: • (1) The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.); (2) • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. • ; (3) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: MSU Federal Credit Union X/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx Xxxxxxx, XX 00000-0000 xxxxxx.xxx at the address listed on your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Platinum Plus Visa Line of Credit Card Disclosure Agreement Product Name: LOC Loan Date: Loan Number Account Number Credit Limit $ Borrower 1 Name and Address Borrower 2 Name (and Address if different from Borrower 1) Interest Rates Rate and Interest Charges Annual Percentage Rate (APR) for Purchases 13.9% to 17.9% based on your creditworthiness APRs for Balance Transfers 13.9% to 17.9% based on your creditworthiness APRs for Cash Advances 13.9% to 17.9% based on Paying Interest You will be charged interest from the transaction date. Fees Transaction Fees • Skip-A-Pay Fee $25.00 Penalty Fees • Late Charge Fee • Returned Payment Fee $20.00 $25.00 How We Will Calculate Your Balance: We will use a balance computation method called daily balance. See your creditworthinessaccount Agreement for more details.

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 Card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: • 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account Account do not qualify. • 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: MSU Federal Credit Union X/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx Xxxxxxx, XX 00000-0000 xxxxxx.xxx writing. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Platinum Plus Visa Credit Card Disclosure Interest Rates SPECIAL RULES FOR VISA® ACCESS CARD PURCHASES DO NOT APPLY TO PURCHASES MADE WITH INVESTMENT EQUITY LINE CHECKS. The creditor and Interest Charges Annual Percentage Rate (APR) for Purchases 13.9% to 17.9% based on issuer of your creditworthiness APRs for Balance Transfers 13.9% to 17.9% based on your creditworthiness APRs for Cash Advances 13.9% to 17.9% based on your creditworthinessAccount is U.S. Bank National Association ND. 07_USB_INVESTMENT EQUITY_LOC

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: • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: MSU Federal Credit Union XC/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx XxxxxxxO Visa Department PO Box 1208 East Lansing, XX 00000MI 48826-0000 1208 xxxxxx.xxx While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Platinum Plus Visa Credit Card Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.98.9% to 17.9% based on your creditworthiness APRs for Balance Transfers 13.90% introductory APR for six (6) months from date of account opening. Rate then reverts to standard rate (8.9% to 17.9% %), based on your creditworthiness creditworthiness. APRs for Cash Advances 13.98.9% to 17.9% based on your creditworthiness

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: • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00 50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) • You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. • You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: MSU Federal Credit Union X/X Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx Xxxxxxx, XX 00000-0000 xxxxxx.xxx xxx.xxxxxx.xxx While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. MSUFCU Platinum Plus Visa Credit Card Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.98.9% to 17.9% based on your creditworthiness APRs for Balance Transfers 13.90% introductory APR for six (6) months from date of account opening. Rate then reverts to standard rate (8.9% to 17.9% %), based on your creditworthiness creditworthiness. APRs for Cash Advances 13.98.9% to 17.9% based on your creditworthiness