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RE: Complaint ID # [redacted] To Whom It May Concern:Visa - There is no settlement to be made as Ms [redacted] requested the balance transfer and then made purchases on her card resulting in the interest dueMs [redacted] has been receiving statements since showing each of her transactions and the applicable interestWe have always provided full disclosure and we considered this matter closed.Home Equity Appraisal - There is no settlement to be made in this case as Ms [redacted] requested the appraisal, knowing she had to pay for it, and when she was unhappy with the amount of the appraisal wanted OMEGA to pay for itFurther, she requested only $2,be put on her Visa leaving the current balance due, which in turn has interest charges as an outstanding balance, Ms [redacted] was informed of this on April 6th 2015.My staff has spoken with Ms, [redacted] several times, I spoke with Ms [redacted] in October 2014, and our VP of Loans Bob R [redacted] met with her personally on October 20th 2014, and talked to her on the phone again in April to cover this same informationMs [redacted] requested the balance transfer, appraisal, and made the charges on the Visa therefore there is no settlement and/or adjustments to be madeEvery single time a loan application is made at the credit union by Ms [redacted] there is a resulting complaint and request for settlement or the waiving of interest and/or feesThere will be no settlement or waiving of fees for Ms, [redacted] ,If you would like any additional questions answered, of if I can provide any additional documentation, please do not hesitate to call or email meThank you for your consideration in this matter.Sincerely,Troy [redacted] G [redacted] President & CEO

RE: Complaint ID #[redacted] To Whom It May Concern:Visa - There is no settlement to be made as Ms. [redacted] requested the balance transfer and then made purchases on her card resulting in the interest due. Ms. [redacted] has been receiving statements since 2011 showing each of her transactions and the...

applicable interest. We have always provided full disclosure and we considered this matter closed.Home Equity Appraisal - There is no settlement to be made in this case as Ms. [redacted] requested the appraisal, knowing she had to pay for it, and when she was unhappy with the amount of the appraisal wanted OMEGA to pay for it. Further, she requested only $2,000 be put on her Visa leaving the current balance due, which in turn has interest charges as an outstanding balance, Ms. [redacted] was informed of this on April 6th 2015.My staff has spoken with Ms, [redacted] several times, I spoke with Ms. [redacted] in October 2014, and our VP of Loans Bob R[redacted] met with her personally on October 20th 2014, and talked to her on the phone again in April 2015 to cover this same information. Ms. [redacted] requested the balance transfer, appraisal, and made the charges on the Visa therefore there is no settlement and/or adjustments to be made. Every single time a loan application is made at the credit union by Ms. [redacted] there is a resulting complaint and request for settlement or the waiving of interest and/or fees. There will be no settlement or waiving of fees for Ms, [redacted],If you would like any additional questions answered, of if I can provide any additional documentation, please do not hesitate to call or email me. Thank you for your consideration in this matter.Sincerely,Troy * G[redacted] President & CEO