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Carding (V Credit Union June 19, Ms [redacted] Dispute Resolution Specialist Revdex.com Euclid Avenue, 4'}' Floor Cleveland, 01-44115-Re: Complaint ID [redacted] Dear Ms [redacted] This is in response to your letter dated June 10, Cardinal's Sales & Service Manager called this member directly, waived his fees, and explained the easy process of upgrading his account to avoid said fees, etcWe do everything in our power to help members whenever possible, but sometimes circumstances limit what we can doAs a result of the [redacted] Amendment, Merchants were granted changes in the way they are processing transactionsMost choose to do so under the amount of These types of transactions are referred to as Pin-less Pinned transactions This means that Merchants can push the transactions through as "Debit” transactions instead of "Credit" transactions which require no signatureThis often happens without the customer knowingIn addition, Merchants have taken away the choice of the customer to chooseIt was passed under the pretext that the Merchants would pass on the savings to the consumers in the form of lower pricesIn spite of the circumstances, we do wish to thank you for calling this case to our attentionMake no mistake about itwe intend to do even-thing in our power to earn the trust of our membersWe want to be sure you know that we truly appreciate their patronage, and as a member-owner we hear their concerns and welcome their opinionsSincerely, Christine B [redacted] President/CEOWestport Drive MentorOhio tel: toll free: 877.900.MYCU fax: www.CardinalCU.com

Please see the attached letter sent to the complainant on February 20th 2018. company response copied and pasted by Revdex.com staff (NR) on 3/16/received 2/20/and sent to consumer 2/21/18Cardinal CREDIT UNION February 20, 2018 *** *** *** *** *** *** ***
*** ** *** Dear Ms*** ***, Thank you for taking the time to communicate your concerns regarding your experience with Cardinal Credit Union. I have met with the Credit Solutions Manager, Gary J***, to discuss your concernsI was advised that the matter has been resolvedIf any further assistance is needed, please reach out to the Credit Solutions Manager at, 440-266-2209. Regards, Christine B*** CEO/President Westport Drive Mentor, Ohio tli: 440.266.2200 toll free: 877,900.MYCU fax:

Carding (V Credit Union June 19, 2017 Ms. [redacted] Dispute Resolution Specialist Revdex.com 2800 Euclid Avenue, 4'}' Floor Cleveland, 01-1 44115-2408 Re: Complaint ID [redacted]Dear Ms. [redacted] This is in response to your letter dated June 10,...

2017.   Cardinal's Sales & Service Manager called this member directly, waived his fees, and explained the easy process of upgrading his account to avoid said fees, etc. We do everything in our power to help members whenever possible, but sometimes circumstances limit what we can do. As a result of the [redacted] Amendment, Merchants were granted changes in the way they are processing transactions. Most choose to do so under the amount of 550.00. These types of transactions are referred to as Pin-less Pinned transactions This means that Merchants can push the transactions through as "Debit” transactions instead of "Credit" transactions which require no signature. This often happens without the customer knowing. In addition, Merchants have taken away the choice of the customer to choose. It was passed under the pretext that the Merchants would pass on the savings to the consumers in the form of lower prices. In spite of the circumstances, we do wish to thank you for calling this case to our attention. Make no mistake about it. we intend to do even-thing in our power to earn the trust of our members. We want to be sure you know that we truly appreciate their patronage, and as a member-owner we hear their concerns and welcome their opinions. Sincerely, Christine B[redacted] President/CEO8500 Westport Drive Mentor. Ohio 44060 tel: 440.266.2200 toll free: 877.900.MYCU fax: 440.266.2299 www.CardinalCU.com