b'CREDIT CARD AGREEMENT\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR", AND THE "CREDIT UNION" MEANS HIWAY CREDIT UNION\xc2\xae OR ITS SUCCESSORS. BY USING YOUR CARD, YOU\nAGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to your maximum\ncredit limit. You agree not to present your Card or obtain a cash advance for any\nextension of credit in excess of your available cash limit; however, if you do exceed\nyour credit limit, you agree to make immediate payment sufficient to bring the\nbalance below the credit limit. Certain purchases and cash advances require\nauthorization prior to completion of the transaction. In some cases, you may be\nasked to provide identification. If our system is not working, we may not be able to\nauthorize a transaction, even though you have sufficient credit available. Also, for\nsecurity reasons, we may block the use of your Card in certain countries or\ngeographic areas. We will have no liability to you or others if any of these events\noccur.\nPersonal Identification Number (PIN). We may issue a Personal Identification\nNumber (PIN) for use with your Card. This PIN is confidential and should not be\ndisclosed to anyone. You may use your PIN and your Card to access your\naccount, and all sums advanced will be added to your account balance. In the\nevent a use of your PIN constitutes an Electronic Funds Transfer, the terms and\nconditions of your Electronic Funds Transfer Agreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cash\nadvances, and balance transfers made by you or anyone whom you authorize to\nuse the Card; (b) all Interest Charges and all other charges or fees; (c) collection\ncosts and attorney\'s fees as permitted by applicable law, and any costs incurred in\nthe recovery of the Card; and (d) credit in excess of your credit limit that we may\nextend to you.\nIllegal Transactions. You agree that your Card and account will not be used to\nmake or facilitate any illegal transactions as determined by applicable law; and that\nany such use will constitute an event of default under this Agreement. We may\ndecline any transaction that we believe to be illegal under applicable law, including\nbut not limited to any transaction involving or relating to any gambling activity. You\nagree that we will have no liability or responsibility for any such use by you or any\nauthorized user(s); or for declining any such transaction. You further agree to\nindemnify and hold us harmless from any suits, liability, damages or adverse action\nof any kind that results directly or indirectly from such illegal use. You promise to\npay us any and all amounts owing on your Card for any transactions made by you,\neven if the transaction is determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction under the\naccount.\nOthers Using Your Account. If you allow anyone else to use your account, you\nwill be liable for all credit extended to such persons. You promise to pay for all\npurchases and advances made by anyone you authorize to use your account,\nwhether or not you notify us that he or she will be using it. If someone else is\nauthorized to use your account and you want to end that person\'s privilege, you\nmust notify us in writing, and if he or she has a Card, you must return that Card\nwith your written notice for it to be effective.\n9011 LASER FPDF FI19013 Rev 6-2020\n\nOwnership of Card. Your Card remains our property and may be cancelled by us\nat any time without notice. You agree to surrender your Card and to discontinue\nuse of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at the\ntime you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances, balance\ntransfers or other advances, and subtract any payments, unpaid interest charges,\nand unpaid late charges. This gives us the daily balance. Then, we add up all the\ndaily balances for the billing cycle and divide that by the number of days in the\nbilling cycle. We then multiply that by the periodic rate corresponding to the Annual\nPercentage Rate on your account. If you have different rates for purchases, cash\nadvances or balance transfers, separate average daily balances for each will be\ncalculated and the appropriate periodic rate is then applied to each.\nGrace Period on Purchases Only: Pay full amount of the new balance of\nPurchases within 25 days of your statement closing date. Otherwise, the new\nbalance of your account, and subsequent advances from the date they are posted\nto the account, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances and balance transfers; even if you pay the entire cash\nadvance balance or balance transfer balance by the payment due date, you will\nincur the Interest Charges accrued from the date the cash advance or balance\ntransfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also pay\nany and all fees that you incur as disclosed to you on your Truth-in- Lending\nStatement or similar disclosures (as may be amended from time to time), or as\ndisclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree to\nnotify us immediately if your Card is ever lost or stolen or if an unauthorized use\nmay have occurred. "Unauthorized use" means the use of the Card by someone\nother than you who does not have actual, implied or apparent authority for such\nuse, and from which you receive no benefit. The telephone number to call is\n800.449.7728. You agree to follow up your call with notice in writing to us at: 111\nEmpire Drive, St. Paul, MN 55103. You also agree to assist us in determining the\nfacts, circumstances and other pertinent information relating to any loss, theft or\npossible unauthorized use of your Card and comply with such procedures as we\nmay require in connection with our investigation. You will be liable for any\nunauthorized use only if we can prove that you were negligent in your use or\nhandling of your Card, or if we can prove that you used your Card fraudulently.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment is\nreceived by us on a business day at the address and by the time designated on\nthe billing statement, it will be credited to your account on the date of receipt. If\npayment is made at any location other than the address designated on the\nperiodic statement, credit for such payment may be delayed up to five (5) days.\nPayments will be applied in any order we determine, subject to applicable law. If\nyou pay more than the minimum payment, your payment will be applied to the\nhighest Annual Percentage Rate first. Payments received by 5:00 p.m. on the due\ndate will not be considered late. Any payment received after 5:00 p.m. will be\nprocessed on the next business day.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements you\nhave with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any insolvency,\nreceivership or custodial proceeding; (5) if anyone attempts to take any of your\nfunds held by us via legal process or if you have a judgment or tax lien filed\nagainst you; (6) if you make any false, inaccurate, or misleading statements in any\ncredit application or credit update; or (7) if we, in good faith, believe that your ability\nto repay what you owe is or soon will be impaired, or that you are unwilling to\nmake your payments.\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR", AND THE "CREDIT UNION" MEANS HIWAY CREDIT UNION\xc2\xae OR ITS SUCCESSORS. BY USING YOUR CARD, YOU\nAGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nSuspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic\nservices and access to your checking or other account(s) if you become\ndelinquent on any of your credit card or deposit obligations to us or you cause\na loss to us. We shall not be liable to you in any regard in connection with\nsuch suspension of services.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the\nCard as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\n\n9011 LASER FPDF FI19013 Rev 6-2020\n\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state of Minnesota, and the venue shall be located in the\ncounty and state in which we are primarily located. Operating regulations of\nVisa may also apply. This Agreement is the contract that applies to all\ntransactions even though the sales, cash advance, convenience check, credit\nor other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\nImportant Information for Platinum Rewards card holders: One point will\nbe earned for each dollar of purchases. Your account must be open and in\ngood standing to redeem rewards. No points are earned for cash advances,\nconvenience checks, balance transfers, interest charges, fees, foreign\ntransaction currency conversion charges or insurance charges posted to the\naccount. Points have no cash value. We reserve the right to change program\nrules, regulations, benefits, conditions or participation without notice. Points\ncan only be used to order the awards described in the current Platinum\nRewards brochure or the program web site, which may be updated from time\nto time. Platinum Rewards points expire after five years on a first in, first out\nbasis annually on December 31st of the fifth calendar year. For example,\npoints earned in 2016 will expire on December 31, 2020. Your account\nstatement will show the number of points earned. You can earn a maximum of\n10,000 points per billing cycle with a 100,000 calendar year maximum. Tax\nliability is the responsibility of the cardholder. The program is void where\nprohibited by law.\nImportant Information for Signature Cash Rewards card holders: Rebate\nonly applies to new purchases (less returns). Cash advances do not qualify.\nNo minimum purchase required per billing cycle to qualify, then 1% is credited\nquarterly on your statement on the net purchases. We reserve the right to\nchange program rules, regulations, benefits, conditions or cancel/amend the\nprogram without notice.\n\npage 2 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 1-866-915-7117 during our normal business hours Monday through Friday.\n2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection\nwith this loan (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject\nto the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the\nsums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\n9011 LASER FPDF FI19013 Rev 6-2020\n\npage 3 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'