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 C/O Visa Department PO Box 1208 East Lansing, MI 48826-1208 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. 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 CX/O Visa Department PO Box 1208 East LansingX Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx Xxxxxxx, MI 48826XX 00000-1208 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. 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 C/O Visa Department PO Box 1208 East Lansing, MI 48826-1208 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. 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: • 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 C/O Visa Department PO Union, P.O. Box 1208 East Lansing1176, MI 48826-1208 xxxxxx.xxx 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. Annual Percentage Rate (APRFederal Electronic Funds Transfer Act) for Purchases 13.9% to 17.9% based 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 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 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 CX/O Visa Department PO Box 1208 East LansingX Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx Xxxxxxx, MI 48826XX 00000-1208 xxxxxx.xxx 0000 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. 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 CX/O Visa Department PO Box 1208 East LansingX Xxxx Xxxxxxxxxx XX Xxx 0000 Xxxx Xxxxxxx, MI 48826XX 00000-1208 xxxxxx.xxx 0000 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. 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 (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 C/O Visa Department PO Box 1208 East Lansing, MI 48826-1208 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. 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 (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 C/O Visa Department PO Box 1208 East Lansing, MI 48826-1208 xxxxxx.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. 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 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 C/O Visa Department PO Box 1208 East Lansing, MI 48826-1208 xxxxxx.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. 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