Disclosures
EFT Agreement Truth In Savings Statement Fee Schedule	Funds Availability Statement Privacy Terms Bill Payment Agreement	Checking/Share Draft Agreement VISA Agreement

Electronic Funds Transfer Agreement Available Services. As a user of electronic funds transfer services, you may have access to specifically identified automatic teller machines, TouchTone Teller, PC Banking and Automated Clearing House (ACH) services. The automatic teller machine transactions you may initiate are: cash withdrawals, deposits, account balance inquiries and share to share transfers. The cash withdrawals may be made from your checking account or your regular share account. With TouchTone Teller or PC Banking you may also make account transfers and loan payments, as well as share draft (check) withdrawals to yourself, balance inquiries, cleared check and other debit inquiries, and automatic deposits and credit inquiries. TouchTone Teller is accessed via touch-tone telephone after your account has been authorized and you have received your TouchTone Teller Personal Identification Number (PIN). You may also arrange to have preauthorized electronic funds transferred to (credits) your account or from (debits) your account. With PC Banking, you may also use the bill paying service. Access Device. To initiate any transaction with an automated teller machine, you must use an approved access device (card). Approved access cards include your MasterMoney Debit Card, Visa Credit Card, ATM card or other specified card issued by the credit union PLUS your Personal Identification Number (PIN). To access the TouchTone Teller voice response system, access is initiated via touch-tone-telephone. Also, you must request a personal identification number (PIN) which allows you secure access to your account. Access Device for PC Banking. To use PC Banking you must have a personal computer with the ability to access the internet and a personal identification number (PIN). Statements Provided Through PC Banking: The credit union, at your option, provides monthly statements of your account, including a description of electronic funds transfers, PC Banking and TouchTone Teller transactions, through PC Banking. You can download or print the statements. Bill Paying Service: PC Banking allows for payment of bills. The credit union is not responsible for the timing of payments, the ability of a recipient to receive payments or any errors in the information submitted by you. Transaction Receipts. When you use an automated teller machine card at an automated teller machine specified for your card, you will receive a receipt of the transaction(s) initiated. This receipt will tell you: (a) the amount, (b) the calendar date of the transaction, (c) the type of transaction and the type of consumer account to or from which the funds are transferred, (d) the number of the card which initiated the transaction, (e) the location of the automated teller machine, and (f) when applicable, the identifications of any third party to or from whom funds are transferred. TouchTone Teller and PC Banking transactions will not be issued receipts. Periodic Statements. For each account that you have with us that has electronic funds activity, you will receive a monthly statement showing all electronic funds transactions for that account. Service Charges. At present, the credit union does not charge for any automated teller machine, PC Banking or TouchTone Teller transactions, but such charges may be made in the future. You will be notified, as required, when any change in the terms of this Agreement is made. Refer to the Fee Schedule for current fees. Your Liability for Unauthorized Users. Tell us AT ONCE if you believe your ATM/debit Card or your PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. Your liability for unauthorized use of your ATM or Debit Card will not exceed (A) $0 if the conditions set forth below have been met or (B) if those conditions have not been met, the lesser of $50.00 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. Zero liability will apply only if: (a) you report the loss or theft of your card within 24 hours of discovering it lost or stolen; and (b) you can demonstrate that you have exercised reasonable care in safeguarding your card from risk of loss or theft; and (c) you have not reported two or more incidents of unauthorized use to us within the preceding 12 months; and (d) your account is in good standing. "Unauthorized use" means the use of your ATM or debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. Remember to report your card lost or stolen or any unauthorized transactions immediately. This will help prevent unauthorized access to your account and minimize any inconvenience. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you will be liable for up to $50.00 of loss that occurs during such 60-day period and you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. Telephone Number and Address. If you believe your Card or PIN has been lost or stolen, or that your statement shows transfers that you did not make, call or write to the credit union using the telephone number and address shown on your monthly or quarterly statement. Business Days. Our business days are Monday, Tuesday, Wednesday and Friday, 8:00a.m. to 4:00p.m.; Thursday, 8:00a.m. to 7:00p.m.; Saturday, 9:00a.m. to 12 noon. Preauthorized Transfer FROM Your Account. You may preauthorize an electronic funds transfer from one of your accounts to a designated recipient account. Authorization must be in writing. A copy of your authorization may be provided to the recipient of the transfer. If you have told us in advance to make such regular payments, you may stop payment of any preauthorized transfer by notifying us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. Written confirmation of your stop order must be made by you within fourteen (14) days of the oral notification or the stop payment order will not be binding. Preauthorized Transfers TO Your Account. You may arrange to have direct deposits made to your account from the same person or company at least once every sixty (60) days. You may call the number on your periodic statement or call TouchTone Teller or access PC Banking to see if the transfer did occur. Our Liability if Transfers are not Made or Stopped. You agree that we shall have no liability to you for our failure to make or stop preauthorized transfers, except where such failure is intentional or the result of negligence on our part. Information to Third Parties. We will not disclose information to third parties concerning your account with us except: (a) When such disclosure is necessary to complete the transactions; (b) To verify the existence and condition of your account for a third party such as a credit bureau; (c) To comply with a court order or applicable laws or regulations; (d) When you give us permission.   NOTICE: IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS: Telephone us at the number or write us at the address listed on your periodic statement as soon as you can if you think your statement or receipt is wrong or if you need more information about the transfer 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. Tell us your name and account number (if any). Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error and why you need more information. Tell us the dollar amount of the suspected error. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigations 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. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit 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(s) that we used in our investigation.

NOTICE: CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS: Telephone us at the number or write us at the address listed on your periodic statement as soon as you can if you think your statement or receipt is wrong or if you need more information about the transfer 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. Tell us your name and account number (if any). Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error and why you need more information. Tell us the dollar amount of the suspected error. If you tell us orally, we require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigations 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. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit 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(s) that we used in our investigation.

Truth In Savings Statement Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Rate and Fee Schedule are share accounts. Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rates and Annual Percentage Yield for all account types may change monthly as determined by the Credit Union's Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. Dividend Compounding and Crediting. The compounding and crediting of dividends and the dividend period for all share accounts is monthly. The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period. Accrual of Dividends. For all accounts, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Money Market accounts, there is a minimum daily balance required to avoid a service fee for the dividend period. If the minimum daily balance is not met, there will be a service fee as set forth on the reverse side. For all accounts, there is a minimum daily balance required to obtain the Annual Percentage Yield for the dividend period. If the minimum daily balance is not met, you will not earn the stated Annual Percentage Yield. The credit union uses the Daily Balance method to calculate dividends for all share account types. The Daily Balance method calculates dividends by applying a daily periodic rate to the principal in the account each day. Account Limitations. For a Holiday Club account, the entire balance will be paid to you by check or transferred to another account of yours on or after October 1 and the account will remain open. For Money Market Accounts, no more than three (3) withdrawals or transfers may be made from these accounts in any month. If you exceed these limitations, your account may be subject to a fee or be closed. For Regular Share, Individual Retirement and Share Draft accounts, no account limitations apply.

Fee Schedule Demand Statements    (Maximum 1 years transaction history) Free Statement Copies (per statement) $2.00 Money Market Withdrawals/Transfers    (If minimum balance is not maintained or    if withdrawals/transfers exceed 3 per month) $10.00 American Express Travelers Cheques Free American Express Travelers Cheques for Two    (Per $100) $0.75 American Express Gift Checks (Each) $2.50 Money Orders (Each) $0.75 Non-Sufficient Funds (Per transaction) $15.00 Overdraft Transfer (Per transaction) $3.00 Stop Payment Free Negative Balance Fee $10.00 DBA/Non-Personal Checking Monthly Fee $5.00 Outgoing Domestic Wire Fee (Each) $15.00 Outgoing International Wire Fee (Each) $35.00 Incoming Wire Fee Free Research Fee (Per hour/1 hour minimum) $25.00 Internet Banking with Bill Payer Free Teller Checks Free Notary/Signature Guarantee Free Lost Debit/ATM Card Replacement Fee $10.00 All credit union services (and applicable fees) are available to members only. All fees are subject to change without notice.

Funds Availability Disclosure Your Ability To Withdraw Funds. Our policy is to make funds from your deposits available to you on the day we receive your deposit. At that time, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Determining the Availability of a Deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and holidays. An item received by the credit union on Saturday or after the credit union regular closing hour, as posted in the credit union office, may be deemed as received on the next business day. Longer Delays May Apply. In some cases, the credit union will not make all of the funds that you deposit by check available to you on the same day of your deposit. Depending on the type of check that you deposit, the 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. If we are not going to make all the funds from your deposit available on the day the credit union receives it, we will notify you at the time we receive your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you a notice by the day after we receive your deposit. If you will need the funds from the deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: The credit union believes a check you deposited will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six months. There is an emergency, such as failure of communications or computer equipment. 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 seventh business day after the day of your deposit. Special Rules For New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. The first $5,000 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 will be available on the ninth 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 the deposits of cash and the first $5,000 of a day's total deposits of cashiers, certified, teller's, travelers, 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 made payable to you. The excess over $5,000 will be available on the ninth business day after the day of your deposit. If you do not make the deposit to one of our employees, (for example, if you mailed the deposit) the first $5,000 will not be available until the second business day after your deposit. Funds from all other local check deposits will be available on the third business day after the day of your deposit and non-local check deposits will be available on the ninth business day after the day of your deposit. We welcome any further questions that you may have regarding the availability of your deposited funds.

Privacy Terms Privacy Disclosure We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact the Credit Union at 508-841-8550. We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider. Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them. Information We Collect and Disclose About You We collect the following non-public personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. From membership and loan applications and other forms, we obtain information such as name, address, social security number and income. From your transactions with us or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history and credit card usage. From consumer reporting agencies, we obtain information such as your creditworthiness and credit history. From information you provide on applications and other forms, we obtain information from current or past employers, other financial institutions and other sources listed on the application. We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records. How We Protect Your Information We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

Bill Payment Agreement Besides obtaining account and loan information, you can use the Bill Payment option in PC Banking to pay your bills. All you need to do is enter whom you are paying, the amount to be paid and if the payment is recurring or a one-time payment. If you do not use Bill Payment for two consecutive billing cycles we reserve the right to terminate your service. Service Provider: You authorize the Credit Union to utilize Metavante Corporation (or another processor of our choice) to provide this service to you on the Credit Union's behalf. Definitions: Processing date: the date the Credit Union withdraws the funds from your account to begin the bill payment process. Due date: the date your vendor or payee has designated that the funds are due. Fees: Currently there are no fees or charges associated with Bill Payment or PC Banking. Please refer to the Fee Schedule for other credit union fees. Scheduling Automatic Payments: Subject to the terms and conditions of this Agreement, you authorize us, and any third party acting on our behalf, to choose the most effective method to process your payment, including without limitation, electronic (ACH), paper or some other draft means. When possible, payments will be made electronically. However, some payments will be made by check. You will allow at least two (2) business days between the processing date and due date (not the late payment date) for electronic payments and at least five (5) business days for check payments. The Credit Union is not liable for any service or late charges levied against you. Payment Confirmation: For each properly instructed payment to an eligible vendor, you will receive a transaction confirmation number. Unless you receive a confirmation number, we shall not be liable for any failure to make a payment, including any finance charge or late fees incurred as a result. Restrictions: Any payee you wish to pay through Bill Payment must be payable in U.S. dollars. Each payee must appear on the payee list you create with the Credit Union and the account you are paying must be in your name. The Credit Union reserves the right to refuse to make any payments, but will notify you of any such refusal within three (3) business days following receipt of your payment process date. Canceling Payments: You may cancel or modify a payment and/or transfer up to 10:00 p.m. on the business day prior to the processing date you schedule for the payment and/or transfer to be deducted from your checking account. Failed Payments: If sufficient funds are not available in your checking account on the date you have scheduled a payment to be deducted, no payment will be sent. Instead, that transaction will result in a "Failed Payment." You will be required to make arrangements to pay the vendor by other means if a payment fails. In the event of repetitive failed payments, we reserve the right to terminate your subscription to the Bill Payment service without prior notice to you. The Credit Union is not responsible to notify you if sufficient funds are not available in your account. The Credit Union is not liable for any damages you incur:      if the estimated time to allow for delivery to the payee is inaccurate      if you provide incomplete or incorrect payee information      due to delays in mailing delivery      due to changes of merchant address or account number      due to the failure of any merchant to account correctly for the payment in a timely manner      for any other circumstance beyond the control of the Credit Union Right to Impress a Lien: The Credit Union shall have a lien or the right to impress a lien on your shares and deposits for sums due the Credit Union. Such a right will not apply to shares or deposits held pursuant to Individual Retirement Accounts, self-employed plans under the Internal Revenue Code, or any other deposits for which lien rights would disqualify said deposits from special benefits or preferences provided under the Internal Revenue code. Bill Payment Stop Payments: Stop Payments may only be requested on or after the date funds are withdrawn from your checking account. General Disclaimer: The Shrewsbury Federal Credit Union hereby disclaims any warranties, endorsement or representations, express or implied, related to any product, service, advertisement or other information contained herein. This includes any content contained, distributed, linked or downloaded from the site. Any products or services from this site are to be used at your own risk, with no obligations or liabilities by Shrewsbury Federal Credit Union. It will be within the sole discretion of Shrewsbury Federal Credit Union to correct any errors or to omit any portion of the services, products or materials contained herein. This Agreement, any separate instructions, and the applicable fees and charges may be amended by the Credit Union in the future. In the event of amendment, the Credit Union shall send notice to you either by mail to your last known address or transmit such notice of the amendment over the Bill Payment or PC Banking service. Your use of the Bill Payment or PC Banking service following the receipt of such notice constitutes acceptance of such amendment. You agree to be bound by and comply with applicable state and federal laws and regulations. These terms and conditions shall be governed by and construed with the laws of the state of Massachusetts. Transaction Modes and Process Dates: Payments from your credit union checking account(s) may be established either "periodically" or as "automatic" payments. All payments are made periodically unless designated as automatic payments. Periodic Payments: A periodic payment is established by entering the amount due and due date, specifically for a Payee's individual bill. The processing date for this payment is determined by the system based upon the due date entered. You understand sufficient funds must be available by 10:00 p.m. on the day prior to the processing date or your payment(s) will not be made. Automatic Payments: If you designate a payment as an automatic transaction, you request that the transaction be made in the same amount to the same merchant or account on the same day in the future. These payments will continue until you delete the payee by following the edit/delete commands online. The processing date for this payment is determined by the system based upon the due date entered. You understand sufficient funds must be available by 10:00 p.m. on the day prior to the processing date or your payment(s) will not be made. Deleting or Editing Bill Payment Authorized Payments: Bills are either pending or processed. When a bill has been processed, the amount for that bill has been withdrawn from your account. Bills that are pending are those that have not been processed. You may modify or cancel a pending payment, as no funds have been debited from your account. You may not modify or cancel a payment that is processed. For questions regarding payments that are processed, contact Metavante Corporation at 1-800-823-7555. Cancellation of Service: The Bill Payment service may be cancelled at any time by written request to the Credit Union. The request must include your name, address, social security number, bill payer ID number, signature and date. The Credit Union cannot cancel the service until all pending payments have cleared. If you have pending payments and do not want to wait for them to clear, you may individually delete these pending payments by following the edit/delete commands on-line. Other Terms and Conditions: If you cancel your Bill Payment subscription, then you agree to notify us at that time. You will be responsible for all payment instructions made prior to termination and for all other applicable charges and fees. You will cancel all outstanding payment orders before notifying us to terminate this service. We will not process any bill payment transfer if the required transaction information is incomplete. We will withdraw the designated funds from your checking account for bill payment transfer by the designated cut-off time on the date you schedule for payment. We will process your bill payment transfer within the designated number of days before the payment is due. You must allow sufficient time for vendors to process your payment after they receive the payment. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor. An unlimited number of bill payments are allowed per day. Bill Payment may be temporarily unavailable due to Credit Union record updating or technical difficulties. You authorize Shrewsbury Federal Credit Union to charge your designated account(s) for any transactions accomplished through the use of its Bill Payment service, including any recurring payment that you make, and you further authorize the Credit Union to charge for this bill payment service. You regard requests for new account services, instructions to change existing account information or services, and other communication received via PC Banking as legal endorsements. As such, all correspondence initiated via PC Banking shall command the legal authority of a written request authorized by your signature. I Choose To Pay Bills Through the Bill Payment service. In the event the funds are not available in my account when my payment is due, or when making a bill payment, I may be charged a NSF fee. I understand all fees are subject to change following notice to me. I agree to comply with the terms and conditions. I accept liability for all transactions made by myself, joint owners or anyone else to whom I might give the security code. I understand that withdrawals and transfers may affect the dividend and interest earned on my account. When using Bill Payment, I authorize the Shrewsbury Federal Credit Union to post payment transactions generated to the account(s) indicated. I am in full control of my account and if at any time I decide to discontinue this service, I must provide the Credit Union with written notice. My use of Bill Payment signifies that I have accepted all of the terms and conditions of this service. I understand that payments may take up to five (5) days by check or two (2) days by ACH to reach the vendor. Shrewsbury Federal Credit Union is not liable for failure of payments to reach their destination or any service fees or late charges levied against me.

Checking/Share Draft Agreement AGREEMENT:  I authorize the Shrewsbury Federal Credit Union to open a checking account for me. The credit union is authorized to pay checks signed by me, and the payments will be charged against my checking account. I agree that: Only check blanks and other methods approved by the credit union may be used to withdraw funds from my checking account. The credit union is under no obligation to pay a check that exceeds the fully paid and collected share balance in this account. The credit union may, however, pay such check and transfer shares to this account in the amount of the resulting overdraft, plus a service charge, from any other share account from which any of the undersigned is then eligible to withdraw shares. The credit union may pay a check on whatever day it is presented for payment, not withstanding the date or any limitation on the time of payment. When paid, checks become the property of the credit union and will not be returned either with the periodic statement of this account or otherwise. Photocopies of paid checks will be made available when requested by the member. Except for negligence, the credit union is not liable for any action it takes regarding the payment or nonpayment of a check. Any objection respecting any item shown on a periodic statement of this account is waived unless made in writing to the credit union before the end of 60 days after the statement is mailed. This account is subject to the credit union's right to require advance notice of withdrawal, as provided in its bylaws. This account is also subject to such other terms, conditions and service charges as the credit union may establish from time to time.

VISA Credit Card Agreement In this Agreement the words "you" and "your" mean each and all of those who agree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; "account" means your Visa credit card line of credit account with the Credit Union, and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement. USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you and notify you of your credit limit. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other charges") which you will have outstanding on your account at any time. If you are over your credit limit, you must pay the amount you are over before payments will begin to restore your credit limit. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union has the right to reduce your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not prohibited by law. USING YOUR CARD — You understand that the use of your credit card will constitute acknowledgement of receipt and agreement to the terms of the Credit Card Agreement. You may use your card to make purchases from merchants and others who accept Visa cards. However, you may not use your card to initiate any type of electronic gambling transaction through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union and from other financial institutions that accept Visa cards, and from some automated teller machines (ATMs). (Not all ATMs accept Visa cards.) To obtain cash advances from an ATM, you must use the personal identification number (PIN) issued to you for use with your card. You agree that you will not use your card for any transaction that is illegal under applicable federal, state or local law. RESPONSIBILITY — You agree to pay all charges (purchases and cash advances) made to your account by you or anyone you authorize to use your account. You also agree to pay all finance charges and other charges added to your account under the terms of this Agreement or another agreement you made with the Credit Union. If this is a joint account, Section 17 also applies to your account. FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new balance on the previous cycle's billing statement by the payment due date of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of purchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A finance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is later. The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying the monthly periodic rate to the average daily balance of purchases. To get the average daily balance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily balance of purchases. Then, we add all the daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases. For cash advances, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. Then, we add all the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances. The ANNUAL PERCENTAGE RATE is based on certain credit-worthiness criteria. The monthly periodic rate for purchases, cash advances and balance transfers is 0.8325% - 1.5000% which is an ANNUAL PERCENTAGE RATE of 9.99% - 18.00%. The monthly periodic rate that will apply to your Visa card is ________% which is an ANNUAL PERCENTAGE RATE of ________%. Balance transfer ANNUAL PERCENTAGE RATE will continue until the balance is paid off. When you are 60 days delinquent in making a payment, the monthly periodic rate on your account will change to 1.5000% per month which is an ANNUAL PERCENTAGE RATE of 18.00%. OTHER CHARGES — The following other charges (fees) will be added to your account, as applicable: Over-the-Credit-Limit Fee. You may be charged a fee of $20.00 on a statement date if your new balance on that date, less any fees imposed during the cycle, is over your credit limit. You will be charged the fee each subsequent month until your new balance on the statement date, less any fees imposed during the cycle, is BELOW your credit limit. Late Payment Fee. If you are 15 or more days late in making a payment, a late charge of $20.00 will be added to your account. Return Check Fee. If a check or share draft used to make a payment on your account is returned unpaid, you will be charged a fee of $20.00 for each item returned. Card Replacement Fee. You will be charged $10.00 for each replacement card that is issued to you for any reason. Document Copy Fee. You will be charged $5.00 for each copy of a sales draft or statement that you request (except when the request is made in connection with a billing error made by the Credit Union). Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees. PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the date specified on the statement or no later than 25 days from the statement closing date whichever is later. If your statement says the payment is "Now Due," your payment is due no later than 25 days from the statement closing date. You may pay more frequently, pay more than the minimum payment or pay the total new balance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each month your account has a balance (other than a credit balance). The minimum payment is 2.00 percent of your total new balance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. The Credit Union also has the right to demand immediate payment of any amount by which you are over your credit limit. PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit Union in any manner the Credit Union chooses. SECURITY INTEREST — If you give the Credit Union a specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may not withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release all or part of the pledged amount. In addition, your account is secured by all other shares you have in any individual or joint account with the Credit Union, except for shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law if given as security. You authorize the Credit Union to apply the balance in your individual or joint share accounts to pay any amounts due on your account if you should default. Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this account, notwithstanding anything to the contrary in any other agreement. DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or misleading statements in any credit application or credit update. You will also be in default if something happens that the Credit Union believes may substantially reduce your ability to repay what you owe. When you are in default and after expiration of any right you have under applicable state law to cure your default, the Credit Union has the right to demand immediate payment of your full account balance. If immediate payment is demanded, you agree to continue paying finance charges at the periodic rate charged before default, until what you owe has been paid. Also, subject to applicable state law, any shares that were given as security for your account may be applied towards what you owe. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — You agree to notify us immediately, orally or in writing at 615 Main St., Shrewsbury, MA 01545 or telephone (508) 841-8550 Monday through Friday 8:00 a.m. to 4:00 p.m. or (800) 843-5463 twenty-four (24) hours a day, seven (7) days a week, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50. CHANGING OR TERMINATING YOUR ACCOUNT — The Credit Union may change the terms of this Agreement from time to time. Notice of any change will be given in accordance with applicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account balance as well as to future transactions. Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. You are also responsible for all transactions made to your account after termination, unless the transactions were unauthorized. The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. The Credit Union has the right to require you to pay your full account balance at any time after your account is terminated, whether it is terminated by you or the Credit Union. If this is a joint account, Section 17 of this Agreement also applies to termination of the account. CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to investigate your credit standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency cash and/or emergency card replacement services, and you request such services, you agree that we may provide personal information about you and your account that is necessary to provide you with the requested service(s). RETURNS AND ADJUSTMENTS — Merchants and others who honor your card may give credit for returns or adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your credits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and cash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or automatically after six (6) months. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additional services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time. FOREIGN TRANSACTIONS — Visa. Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance plus an additional 1 percent. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution to honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50 and was made in your state or within 100 miles of your home. JOINT ACCOUNTS — If this is a joint account, each person on the account must sign the Agreement (by signing on the application). Each of you will be individually and jointly responsible for paying all amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the account and the termination will be effective as to all of you. EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account even though the sales, cash advances, credit or other slips you sign or receive may contain different terms. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the most recent address you have given the Credit Union. Notice sent to any one of you will be considered notice to all. FINAL EXPRESSION — This Agreement is the final expression of the terms and conditions of this Visa line of credit between you and the Credit Union. This written Agreement may not be contradicted by evidence of any alleged oral agreement. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement. YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL — If you think your bill is wrong, or if you need 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 on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or 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 (3) business days before the automatic payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE — We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. SPECIAL RULE FOR CREDIT CARD PURCHASES — If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two (2) limitations on this right: 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 The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. © CUNA MUTUAL GROUP, 2008 ALL RIGHTS RESERVED 29311

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