IN  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
DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS HIWAY FEDERAL CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR
CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

CREDIT CARD AGREEMENT

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.

YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE
WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT OF
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT. YOU  ALSO  AGREE
THAT WE  HAVE SIMILAR  STATUTORY LIEN  RIGHTS  UNDER  STATE
AND/OR  FEDERAL  LAW. IF  YOU ARE  IN  DEFAULT, WE  CAN APPLY
YOUR SHARES TO THE AMOUNT YOU OWE.

Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other
account that would lose special tax treatment under state or federal law if
given are not subject to this security interest.

If  you  have  other  loans  with  us,  collateral  securing  such  loans  will  also
secure your obligations under this Agreement, unless that other collateral
is your principal residence or non-purchase money household goods.

Using Your Card.  You can  purchase  or  lease  goods  and  services  from  any
merchant  who  honors  your  Card,  and  you  may  obtain  cash  advances  from
financial  institutions  and  ATM  machines  that  accept  the  Card,  up  to  your
maximum  credit  limit.  You agree  not  to  present  your  Card  or  obtain  a  cash
advance  for  any  extension  of  credit  in  excess  of  your  available  cash  limit;
however,  if  you  do  exceed  your  credit  limit,  you  agree  to  make  immediate
payment  sufficient  to  bring  the  balance  below  the  credit  limit.  Certain
purchases and cash advances require authorization prior to completion of the
transaction. In some cases, you may be asked to provide identification. If our
system  is  not  working,  we  may  not  be  able  to  authorize  a  transaction,  even
though you have sufficient credit available. Also, for security reasons, we may
block  the  use  of  your  Card  in  certain  countries  or  geographic  areas.  We will
have no liability to you or others if any of these events occur.

(PIN). We  may 

Identification  Number 

issue  a  Personal
Personal 
Identification  Number  (PIN)  for  use  with  your  Card.  This  PIN  is  confidential
and should not be disclosed to anyone. You may use your PIN and your Card
to access your account, and all sums advanced will be added to your account
balance.  In  the  event  a  use  of  your  PIN  constitutes  an  Electronic  Funds
Transfer,  the  terms  and  conditions  of  your  Electronic  Funds  Transfer
Agreement may affect your rights.

Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you
authorize  to  use  the  Card;  (b)  all  Interest  Charges  and  all  other  charges  or
fees;  (c)  collection  costs  and  attorney's  fees  as  permitted  by  applicable  law,
and any costs incurred in the recovery of the Card; and (d) credit in excess of
your credit limit that we may extend to you.

Illegal Transactions. You agree that your Card and account will not be used
to make or facilitate any illegal transactions as determined by applicable law;
and that any such use will constitute an event of default under this Agreement.
We may decline any transaction that we believe to be illegal under applicable
law,  including  but  not  limited  to  any  transaction  involving  or  relating  to  any
gambling activity. You agree that we will have no liability or responsibility for
any  such  use  by  you  or  any  authorized  user(s);  or  for  declining  any  such
transaction.  You further  agree  to  indemnify  and  hold  us  harmless  from  any
suits,  liability, damages  or  adverse  action  of  any  kind  that  results  directly  or
indirectly  from  such  illegal  use.  You promise  to  pay  us  any  and  all  amounts
owing on your Card for any transactions made by you, even if the transaction
is determined to be illegal.

Joint Accounts. Each of you will be responsible, jointly and severally, for the
repayment  of  amounts  owed,  regardless  of  who  initiated  any  transaction
under the account.

Others Using Your Account. If you allow anyone else to use your account, you
will be liable for all credit extended to such persons. You promise to pay for all
purchases and advances made by anyone you authorize to use your account,
whether or not you notify us that he or she will be using it. If someone else is
authorized to use your account and you want to end that person's privilege, you
must notify us in writing, and if he or she has a Card, you must return that Card
with your written notice for it to be effective.

Ownership of Card. Your Card remains our property and may be cancelled by
us  at  any  time  without  notice.  You  agree  to  surrender  your  Card  and  to
discontinue use of the account immediately upon our request.

law.  Average  Daily  Balance 

Interest  Charges.  You  agree  to  pay  interest  at  the  rate(s)  disclosed  to  you  at
the  time  you  open  your  account  and  as  may  be  changed  from  time  to  time  in
accordance  with  applicable 
including  new
transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance
outstanding  during  the  month.  To  get  the  average  daily  balance,  we  take  the
beginning balance each day, add any new purchases, cash advances, balance
transfers  or  other  advances,  and  subtract  any  payments,  unpaid  interest
charges, and unpaid late charges. This gives us the daily balance. Then, we add
up  all  the  daily  balances  for  the  billing  cycle  and  divide  that  by  the  number  of
days in the billing cycle. We then multiply that by the periodic rate corresponding
to the Annual Percentage Rate on your account. If you have different rates for
purchases,  cash  advances  or  balance  transfers,  separate  average  daily
balances  for  each  will  be  calculated  and  the  appropriate  periodic  rate  is  then
applied to each.

Grace  Period  on  Purchases  Only:  Pay  full  amount  of  the  new  balance  of
Purchases  within  25  days  of  your  statement  closing  date.  Otherwise,  the  new
balance  of  your  account,  and  subsequent  advances  from  the  date  they  are
posted to the account, will be subject to an Interest Charge. You cannot avoid
Interest Charges on cash advances and balance transfers; even if you pay the
entire  cash  advance  balance  or  balance  transfer  balance  by  the  payment  due
date,  you  will  incur  the  Interest  Charges  accrued  from  the  date  the  cash
advance or balance transfer is posted to your account.

Fees. In addition to the Interest Charges set forth above, you agree to also pay
any  and  all  fees  that  you  incur  as  disclosed  to  you  on  your  Truth-in-  Lending
Statement or similar disclosures (as may be amended from time to time), or as
disclosed to you during the term of your Card.

If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree
to notify us immediately if your Card is ever lost or stolen or if an unauthorized
use  may  have  occurred.  "Unauthorized  use"  means  the  use  of  the  Card  by
someone  other  than  you  who  does  not  have  actual,  implied  or  apparent
authority  for  such  use,  and  from  which  you  receive  no  benefit.  The  telephone
number to call is 800.449.7728. You agree to follow up your call with notice in
writing to us at: 111 Empire Drive, St. Paul, MN 55103. You also agree to assist
us  in  determining  the  facts,  circumstances  and  other  pertinent  information
relating to any loss, theft or possible unauthorized use of your Card and comply
with  such  procedures  as  we  may  require  in  connection  with  our  investigation.
You will be liable for any unauthorized use only if we can prove that you were
grossly negligent in your use or handling of your Card, or if we can prove that
you used your Card fraudulently.

Minimum  Payment  Due;  Crediting  of  Payments.  Payments  are  due  in  the
amount and on the date disclosed on your billing statement. If your payment is
received by us on a business day at the address and by the time designated on
the billing statement, it will be credited to your account on the date of receipt. If
payment  is  made  at  any  location  other  than  the  address  designated  on  the
periodic statement, credit for such payment may be delayed up to five (5) days.
Payments will be applied in any order we determine, subject to applicable law. If
you pay more than the minimum payment, your payment will be applied to the
highest Annual  Percentage  Rate  first.  Payments  received  by  5:00  p.m.  on  the
due date will not be considered late. Any payment received after 5:00 p.m. will
be processed on the next business day.

9011 LASER FPDF FI19013 Rev 11-2016

page 1 of 3

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

IN  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
DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS HIWAY FEDERAL CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR
CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

Default;  Acceleration;  Credit  Suspension;  Collection  Costs.  You  will  be  in
default  if:  (1)  you  fail  to  make  any  payment  on  time;  (2)  if  you  fail  to  keep  any
promises  you  have  made  under  this Agreement  or  under  other Agreements  you
have  with  us;  (3)  if  you  die;  (4)  if  you  file  a  petition  in  bankruptcy  or  have  a
bankruptcy petition filed against you, or if you become involved in any insolvency,
receivership  or  custodial  proceeding;  (5)  if  anyone  attempts  to  take  any  of  your
funds  held  by  us  via  legal  process  or  if  you  have  a  judgment  or  tax  lien  filed
against you; (6) if you make any false, inaccurate, or misleading statements in any
credit application or credit update; or (7) if we, in good faith, believe that your ability
to  repay  what  you  owe  is  or  soon  will  be  impaired,  or  that  you  are  unwilling  to
make your payments.

Enforcement. We do not lose our rights under this or any related agreement
if we delay enforcing them. If any provision of this or any related agreement is
determined  to  be  unenforceable  or  invalid,  all  other  provisions  remain  in  full
force and effect.

Returns and Adjustments. Merchants  and others who honor the Card may
give  credit  for  returns  or  adjustments,  and  they  will  do  so  by  submitting  a
credit slip which will be posted to your account. If your credits and payments
exceed what you owe us, the amount will be applied against future purchases
and  cash  advances.  If  the  credit  balance  amount  is  $1  or  more,  it  will  be
refunded upon your written or verbal request.

If you are in default, we have the right to demand immediate payment of your full
account  balance  without  giving  you  notice.  If  immediate  payment  is  demanded,
you  agree  to  continue  paying  interest  charges  and  fees  until  what  you  owe  has
been paid, and any shares that were given as security for your account may be
applied towards what you owe. You agree to pay all reasonable costs of collection,
including court costs and attorney's fees, and any costs incurred in the recovery of
the Card, subject to applicable law. Even if your unpaid balance is less than your
credit limit, you will have no credit available during any time that any aspect of your
account is in default.

Additional  Benefits/Card  Enhancements.  We  may  from  time  to  time  offer
additional  services  to  your Account  at  no  additional  cost  to  you. You  understand
that we are not obligated to offer such services and may withdraw or change them
at any time.

Convenience Checks. We may, at our discretion, issue checks to you which may
be used for any purpose other than making a payment for credit to your account.
By signing such check, you authorize us to pay the item for the amount indicated
and post such amount as a cash advance to your account. We do not have to pay
any item which would cause the outstanding balance in your account to exceed
your credit limit.

Credit Information. We may from time to time request personal information from
you or obtain credit reports from the credit reporting agencies for the purpose of
updating  your  credit  status.  Your  failure  to  provide  such  information  when
requested  by  us  may  result  in  suspension  of  credit  privileges  under  this
Agreement,  including  your  ability  to  obtain  any  future  advances  by  any  means.
You  authorize  us  to  investigate  your  credit  standing  when  opening  or  reviewing
your account. You authorize us to disclose information regarding your account to
credit bureau and creditors who inquire about your credit standing.

Foreign  Transactions;  Currency  Conversion.  Purchases  and  cash  advances
made in foreign currencies will be billed to you in U.S. dollars. The conversion rate
in  dollars  will  be  a  rate  selected  by  the  card  company  from  a  range  of  rates
available in wholesale currency markets for the applicable central processing date,
which  rate  may  vary  from  the  rate  the  card  company  itself  receives,  or  the
government-mandated rate in effect for the applicable central processing date in
each instance. All transactions processed outside of the United States (which may
include  internet  transactions)  will  be  charged  a  foreign  transaction  fee  in  the
amount disclosed on your Truth-in-Lending Statement (as amended from time to
time).

Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this
Agreement  by  written  notice.  Termination  by  either  party  shall  not  affect  your
obligation to repay any balance on your account resulting from use of the Card as
well  as  Interest  Charges  and  fees  incurred.  We  may  change  the  terms  of  this
Agreement, including the method of calculating the periodic rate, at any time, by
written  notice,  subject  to  applicable  law.  Use  of  the  Card  constitutes  agreement
and acceptance of any change in terms, unless applicable law requires otherwise.
Our failure to exercise any of our rights or to take any action shall not constitute a
waiver  of  those  rights,  or  an  amendment  or  change  in  any  of  the  terms  of  this
Agreement.

Late or Partial Payments. Any payment that delays the reduction of your balance
will  increase  your  total  interest  costs.  Partial  payments  or  prepayments  will  not
delay  your  next  scheduled  payment  -  you  will  still  need  to  make  the  minimum
scheduled payment by the next scheduled due date to keep your account current.
We may accept late payments, partial payments, checks or money orders marked
"payment  in  full"  and  such  action  shall  not  constitute  final  settlement  of  your
account or a waiver or forgiveness of any amounts owing under this Agreement.

Plan Merchant Disputes. We  are not responsible for the refusal of any plan
merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not
responsible for goods or services that you purchase with the Card unless: (a)
your  purchase  was  made  in  response  to  an  advertisement  we  sent  or
participated in sending you; or (b) your purchase cost more than $50 and was
made  from  a  plan  merchant  in  your  state  or  within  100  miles  of  your  home;
and  only  if  you  have  made  a  good  faith  attempt,  but  have  been  unable  to
obtain  satisfaction  from  the  plan  merchant.  You  must  resolve  all  other
disputes directly with the plan merchant. We do not warrant any merchandise
or services purchased by you with the Card.

Statements and Notices. Statements and notices will be mailed to you at the
most recent postal address or e-mail address (if you have elected to receive
such documents via electronic means) you have given us. Notice sent to any
one of you will be considered notice to all.

Notification  of Address  Change.  You  will  notify  us  promptly  if  you  change
your  address  for  any  reason.  In  order  to  prevent  identity  theft,  your  identity
may need to be verified before we act upon the notification.

Copy  Received. You  acknowledge  that  you  have  received  a  copy  of  this
Agreement.

Governing  Law. This  Agreement  shall  be  construed  under  federal  law  and
state  law  in  the  state  of  Minnesota,  and  the  venue  shall  be  located  in  the
county  and  state  in  which  we  are  primarily  located.  Operating  regulations  of
Visa  may  also  apply.  This  Agreement  is  the  contract  that  applies  to  all
transactions even though the sales, cash advance, convenience check, credit
or other slips you sign or receive may contain different terms.

NOTICE  TO  UTAH  BORROWERS: This  written  agreement  is  a  final
expression of the agreement between you and the Credit Union. This written
agreement may not be contradicted by evidence of any oral agreement.

Important Information for Platinum Rewards card holders: One point will
be  earned  for  each  dollar  of  purchases.  Your account  must  be  open  and  in
good  standing  to  redeem  rewards.  No  points  are  earned  for  cash  advances,
convenience  checks,  balance  transfers,  interest  charges,  fees,  foreign
transaction  currency  conversion  charges  or  insurance  charges  posted  to  the
account. Points have no cash value. We reserve the right to change program
rules,  regulations,  benefits,  conditions  or  participation  without  notice.  Points
can  only  be  used  to  order  the  awards  described  in  the  current  Platinum
Rewards brochure or the program web site, which may be updated from time
to time. Platinum Rewards points expire after five years on a first in, first out
basis  annually  on  December  31st  of  the  fifth  calendar  year.  For  example,
points  earned  in  2016  will  expire  on  December  31,  2020.  Your  account
statement will show the number of points earned. You can earn a maximum of
10,000  points  per  billing  cycle  with  a  100,000  calendar  year  maximum.  Tax
liability  is  the  responsibility  of  the  cardholder.  The  program  is  void  where
prohibited by law.

Important Information for Signature Cash Rewards card holders: Rebate
only  applies  to  new  purchases  (less  returns).  Cash  advances  do  not  qualify.
No minimum purchase required per billing cycle to qualify, then 1% is credited
quarterly  on  your  statement  on  the  net  purchases.  We  reserve  the  right  to
change  program  rules,  regulations,  benefits,  conditions  or  cancel/amend  the
program without notice.

page 2 of 3

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the
Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at the address(es)
listed on your statement.

In your letter, give us the following information:

1.
2.
3.

Your name and account number.
The dollar amount of the suspected error.
If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is
wrong and why you believe it is a mistake.

You must contact us:

•
•

Within 60 days after the error appeared on your statement.
At  least  3  business  days  before  an  automated  payment  is  scheduled,  if
you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you
do, we are not required to investigate any potential errors and you may have
to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1.

2.

Within 30 days of receiving your letter, we must tell you that we received
your letter. We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or
explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

•

•

•

•

We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as
delinquent on that amount.
The  charge  in  question  may  remain  on  your  statement,  and  we  may
continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible
for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•

•

If we made a mistake: You will not have to pay the amount in question or
any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount
in  question,  along  with  applicable  interest  and  fees.  We  will  send  you  a
statement of the amount you owe and the date payment is due. We may
then report you as delinquent if you do not pay the amount we think you
owe.

If you receive our explanation but still believe your bill is wrong, you must write
to  us  within  10  days  telling  us  that  you  still  refuse  to  pay. If  you  do  so,  we
cannot  report  you  as  delinquent  without  also  reporting  that  you  are
questioning  your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we
reported you as delinquent, and we must let those organizations know when
the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50
of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased with
your 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 purchase.

To use this right, all of the following must be true:

1.

2.

3.

The  purchase  must  have  been  made  in  your  home  state  or  within  100
miles of your current mailing address, and the purchase price must have
been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your
purchase was based on an advertisement we mailed to you, or if we own
the company that sold you the goods or services.)
You must have used your credit card for the purchase. Purchases made
with  cash  advances  from  an  ATM  or  with  a  check  that  accesses  your
credit card account do not qualify.
You must not yet have fully paid for the purchase.

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the
purchase, contact us in writing at the address(es) listed on your statement.

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our
decision. At that point, if we think you owe an amount and you do not pay, we
may report you as delinquent.

page 3 of 3