10/31/11

&#x5B;&#x5B;File:&#x5D;&#x5D;&#x5B;&#x5B;File:|Text Box: II 11 11II1111II&#x5D;&#x5D;&#x5B;&#x5B;File:|Text Box: * 1 0 5 4 7 0 0 * &#x5D;&#x5D;

350 Granite Street, Suite 1102 Braintree, MA 02184-4999

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&#x5B;&#x5B;File:&#x5D;&#x5D;                                                               A NUMBER OF ENHANCEMENTS HAVE BEEN MADE TO OUR ONLINE

O  C C  U P  Y B  O S  T O N   F  .A. W .G  .'''                           BANKING PLATFORM, WITH MORE TO  COME. LOG ON TO  YOUR'''

5 6 M  U R  R A Y   H  IL L   R O  A D                               ACCOUNT TODAY AT WWW.LIBERTYBAYCU.ORG TO  START USING

R O S  L IN  D A  L E  M   A   0 2 1 3 1                                      THESE NEW, CONVENIENT AND EASY-TO-USE TOOLS.

NOTICE: PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION

NAME OR ADDRESS CHANGE

PLEASE CHECK YOUR NAME(S) AND ADDRESS ON THE FRONT OF THIS STATEMENT.

IF NOT EXACTLY CORRECT, COMPLETE THIS FORM AND RETURN IT TO THE CREDIT UNION.

PLACE AN "X" IN FRONT OF ITEMS TO BE CHANGED:

Member’s Name                                                                                                                                                              Joint Member’s Name(s)                                                                                                                                                   Address (including Apt. No.)                                                                                                                                             City and State                                                                                     Zip Code

Signature                                    PLEASE KEEP US INFORMED OF ADDRESS CHANGES

DETACH AND RETURN TO CREDIT UNION

&#x5B;&#x5B;File:&#x5D;&#x5D;&#x5B;&#x5B;File:&#x5D;&#x5D;&#x5B;&#x5B;File:&#x5D;&#x5D; CUT HERE

PLEASE RETAIN THIS STATEMENT, IT IS A PERMANENT RECORD OF YOUR TRANSACTIONS.

&#x5B;&#x5B;File:&#x5D;&#x5D;&#x5B;&#x5B;File:&#x5D;&#x5D;ALL DEPOSITS AND CREDITS ARE SUBJECT TO FINAL PAYMENT 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 STATEMENT. '''If you think your statement is wrong, or if you need more information about a transaction on your statement,

write us on a separate sheet at LIBERTY BAY CREDIT UNION, 350 Granite Street, Suite 1102, Braintree, MA 02184-4999 as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter give us the following information:

1. Your name and account number.

2. The dollar amount of the suspected error.

3. 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 unsure about.

If you have authorized us to pay your CREDIT CARD Account automatically from your CHECKING Account or through payroll deduction, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE.

90 days, we must either correct the error or explain why we believe the statement was correct. We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within &#x5B;&#x5B;File:&#x5D;&#x5D;&#x5B;&#x5B;File:|Text Box: II11&#x5D;&#x5D;&#x5B;&#x5B;File:|Text Box: 11IIII&#x5D;&#x5D;&#x5B;&#x5B;File:|Text Box: * 0 5 4 7 * &#x5D;&#x5D;After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to send statements to 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 statement that are not in question.

If we find that we made a mistake on your statement, 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 satisy you and you write us within ten days telling us that you still refuse to pay, we must tell anyone that we report you to that you have a question about your statement. And we must tell you the name of anyone we reported you to. We must tell anyone that 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 statement is correct.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS

Telephone us at the credit union as soon as you can if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than

60 days after the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number.

2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information.

3. Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will recredit your account 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.

IMPORTANT INFORMATION REGARDING THE COMPUTATION OF YOUR LOAN BALANCE AND LOAN FINANCE CHARGES

The balance on which the finance charge is computed is the actual unpaid loan balance each day after credits are subtracted and new advances or other charges are added. The finance charge is computed when you make a payment. For each day since your last payment the unpaid balance in your account is multiplied by the corresponding daily periodic rate. The sum of these charges is the finance charge you owe on the loan account.

FUNDS AVAILABILITY POLICY

A hold for uncollected funds may be placed on funds deposited by check or similar instruments. This could delay your ability to withdraw such funds. The delay, if any, would not exceed the period of time permitted by law. For a complete copy of LIBERTY BAY Credit Union’s Funds Availability Policy, please contact our office or write to us at LIBERTY BAY CREDIT UNION,

350 Granite Street, Suite 1102, Braintree, MA 02184-4999.

SPECIAL RULE FOR CREDIT CARDS

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 limitations on this right: (a) You must have made the purchase in your home state, or, if not within your home state within

100 miles of your current mailing address, and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the

advertisement for the property or services.

DORMANT ACCOUNT POLICY AND FEE

In the event there is no activity on a SAVINGS ACCOUNT for a continuous two (2) year period, there shall be a minimum $10.00 fee assessed as a maintenance fee for the account. &#x5B;&#x5B;File:&#x5D;&#x5D;&#x5B;&#x5B;File:|Text Box: II 11&#x5D;&#x5D;&#x5B;&#x5B;File:|Text Box: 11 11&#x5D;&#x5D;&#x5B;&#x5B;File:|Text Box: II&#x5D;&#x5D;&#x5B;&#x5B;File:|Text Box: * 2 0 5 4 8 0 1 * &#x5D;&#x5D;

350 Granite Street, Suite 1102 Braintree, MA 02184-4999

(617) 439-6500 (800) 638-8526

&#x5B;&#x5B;File:&#x5D;&#x5D;OCCUPY BOSTON F.A.W.G.

56 MURRAY HILL ROAD ROSLINDALE MA 02131

NOTICE: PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION

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