CREDIT CARD AGREEMENT

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 CREDIT UNION® OR ITS SUCCESSORS. BY USING YOUR CARD, YOU
AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

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.

Personal  Identification  Number  (PIN).  We  may  issue  a  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  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.

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.

9011 LASER FPDF FI19013 Rev 6-2020

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 CREDIT UNION® OR ITS SUCCESSORS. BY USING YOUR CARD, YOU
AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

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.

Suspension  of  electronic  services  and  access  to  share  or  deposit
accounts. Subject to applicable law, we may suspend some or all electronic
services  and  access  to  your  checking  or  other  account(s)  if  you  become
delinquent on any of your credit card or deposit obligations to us or you cause
a  loss  to  us.  We  shall  not  be  liable  to  you  in  any  regard  in  connection  with
such suspension of services.

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.

total 

increase  your 

Late  or  Partial  Payments. Any  payment  that  delays  the  reduction  of  your
balance  will 
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.

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.

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.

9011 LASER FPDF FI19013 Rev 6-2020

page 2 of 3

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:

The 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
Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (“MLA”), and (a) your loan is unsecured or secured by personal property or a vehicle
that 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
line 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).
1.

NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.
In 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
percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection
fees;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee  charged  (other  than  certain  application  fees  for
specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive
this notice verbally, please call 1-866-915-7117 during our normal business hours Monday through Friday.

2.

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
with this loan (“Secured Account”). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization
provision 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
to the Military Lending Act.
However, 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
sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.

3.

Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to
waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from
you in order to exercise your legal rights; or (d) Prepayment penalties.

4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to
these 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
and conditions of the consumer credit contract shall remain in full force and effect.

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.

9011 LASER FPDF FI19013 Rev 6-2020

page 3 of 3

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.