VISA� CREDIT CARD DISCLOSURE
                  INTEREST RATES & INTEREST CHARGES    VISA� SIGNATURE   VISA� PLATINUM  VISA� SELECT
                                              (Variable)        (Non-Variable)  (Non-Variable)
        Annual Percentage Rate (APR) for Purchases:  12.9%   The APR will vary with the market based on the Prime Rate. 8.9%  15.5%
        APR for Balance Transfers:    12.9%  The APR will vary with the market based on the Prime Rate. 8.9% 15.5%
        APR for Cash Advances:        17.9%  The APR will vary with the market based on the Prime Rate. 8.9% 15.5%
        Paying Interest                               Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
                                    interest on purchases if you pay your entire balance by the due date each month. 
                                    We will begin charging interest on cash advances  We will begin charging interest on cash advances 
                                    on the transaction date.  and balance transfers on the transaction date.
        For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit card, visit the website 
        Consumer Financial Protection Bureau of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
                                                                       FEES
        Transaction Fees: Foreign Transaction   1% of each transaction in U.S. dollars.
        Penalty Fees: Late Payment                         up to $25 
               Returned Payment                            up to $25
       How we will calculate your balance: We use a method called �average daily balance (including new purchases)� 
       Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Wings Credit Card Agreement and Truth-in-Lending Disclosure.
       Rates are effective as of 8/15/2013 and are subject to change. Call 1 800 692-2274 for current rate information. ISPSCUINS48   08-13
      ISPSCUINS48_Visa Sig_CredCrd Tabular Discl-8-19-13_v9.indd   1               8/20/13   1:03 AM                                                                     14�
                                    3. Finance Charges. You can avoid the finance charge (interest on  3. Finance Charges. You can avoid the finance charge (interest on  3. Finance Charges. You can avoid the finance charge (interest on  3. Finance Charges. You can avoid the finance charge (interest on  charge on that balance so as to avoid continuing accrual of finance  charge on that balance so as to avoid continuing accrual of finance  charge on that balance so as to avoid continuing accrual of finance  charge on that balance so as to avoid continuing accrual of finance  or  or  our  or  our  or  our  decision  our  decision  decision  decision  that  that  that  you  that  you  you  are  you  are  are  no  are  no  no  longer  no  longer  longer  longer  a  a  good  a  good  a  good  good  credit  credit  credit  credit  risk.  risk.  risk.  Such   risk.  Such   Such   Such  
                                    purchases  purchases  purchases  purchases  by  by  by  paying  by  paying  paying  paying  the  the  the  full  the  full  full  amount  full  amount  amount  amount  of  of  of  the  of  the  the  New  the  New  New  New  Balance  Balance  Balance  Balance  of   of   of   of   charge on that amount. Purchases and cash advances will be paid off  charge on that amount. Purchases and cash advances will be paid off  charge on that amount. Purchases and cash advances will be paid off  charge on that amount. Purchases and cash advances will be paid off  termination  termination  termination  termination  by  by  by  us  by  us  us  does  us  does  does  does  not  not  not  affect  not  affect  affect  affect  your  your  your  your  obligation  obligation  obligation  obligation  to  to  pay  to  pay  to  pay  us  pay  us  us  the   us  the   the   the  
                                    Purchases each month within 25 days of your statement closing date.  Purchases each month within 25 days of your statement closing date.  Purchases each month within 25 days of your statement closing date.  Purchases each month within 25 days of your statement closing date.  in the order they were posted to your Account. If two or more pur- in the order they were posted to your Account. If two or more pur- in the order they were posted to your Account. If two or more pur- in the order they were posted to your Account. If two or more pur- Account balance. �Line-of-Credit� may also be called �Credit Limit� in  Account balance. �Line-of-Credit� may also be called �Credit Limit� in  Account balance. �Line-of-Credit� may also be called �Credit Limit� in  Account balance. �Line-of-Credit� may also be called �Credit Limit� in 
                                    Otherwise, the New Balance of Purchases, and subsequent purchases  Otherwise, the New Balance of Purchases, and subsequent purchases  Otherwise, the New Balance of Purchases, and subsequent purchases  Otherwise, the New Balance of Purchases, and subsequent purchases  chases were posted on the same day, your payment will be applied  chases were posted on the same day, your payment will be applied  chases were posted on the same day, your payment will be applied  chases were posted on the same day, your payment will be applied  this Agreement and in your monthly statement.  this Agreement and in your monthly statement.  this Agreement and in your monthly statement.  this Agreement and in your monthly statement. 
                                    from the date they are posted to your Account, will be subject to a   from the date they are posted to your Account, will be subject to a   from the date they are posted to your Account, will be subject to a   from the date they are posted to your Account, will be subject to a   to the smallest purchases first. You will be responsible for all matters  to the smallest purchases first. You will be responsible for all matters  to the smallest purchases first. You will be responsible for all matters  to the smallest purchases first. You will be responsible for all matters 
                                                                                                        10. Credit Information. At any time we may request, and you will  10. Credit Information. At any time we may request, and you will  10. Credit Information. At any time we may request, and you will  10. Credit Information. At any time we may request, and you will 
                                    finance charge. Cash Advances are always subject to a finance charge  finance charge. Cash Advances are always subject to a finance charge  finance charge. Cash Advances are always subject to a finance charge  finance charge. Cash Advances are always subject to a finance charge  shown on each monthly statement unless you notify us in writing of  shown on each monthly statement unless you notify us in writing of  shown on each monthly statement unless you notify us in writing of  shown on each monthly statement unless you notify us in writing of 
                                                                                                        give,  information  to  us  as  we  deem  necessary  to  reevaluate  your   give,  information  to  us  as  we  deem  necessary  to  reevaluate  your   give,  information  to  us  as  we  deem  necessary  to  reevaluate  your   give,  information  to  us  as  we  deem  necessary  to  reevaluate  your  
                                    from the date they are posted to your Account. The finance charge will  from the date they are posted to your Account. The finance charge will  from the date they are posted to your Account. The finance charge will  from the date they are posted to your Account. The finance charge will  any dispute within 60 days after the statement date in the manner   any dispute within 60 days after the statement date in the manner   any dispute within 60 days after the statement date in the manner   any dispute within 60 days after the statement date in the manner  
                                                                                                        Account  Account  Account  Account  or  or  or  credit  or  credit  credit  credit  worthiness.  worthiness.  worthiness.  worthiness.  You  You  You  You  authorize  authorize  authorize  authorize  us  us  us  to  us  to  to  investigate  to  investigate  investigate  investigate 
                                    be applied to the average daily principal balances of purchases and  be applied to the average daily principal balances of purchases and  be applied to the average daily principal balances of purchases and  be applied to the average daily principal balances of purchases and  required by the notice entitled �Your Billing Rights � Keep This Notice  required by the notice entitled �Your Billing Rights � Keep This Notice  required by the notice entitled �Your Billing Rights � Keep This Notice  required by the notice entitled �Your Billing Rights � Keep This Notice 
                                                                                                        your  credit  standing  at  any  time,  and  you  authorize  us  to  disclose   your  credit  standing  at  any  time,  and  you  authorize  us  to  disclose   your  credit  standing  at  any  time,  and  you  authorize  us  to  disclose   your  credit  standing  at  any  time,  and  you  authorize  us  to  disclose  
                                    cash advances of your Account. We figure the finance charge on your   cash advances of your Account. We figure the finance charge on your   cash advances of your Account. We figure the finance charge on your   cash advances of your Account. We figure the finance charge on your   For Future Use� included in this Agreement. For Future Use� included in this Agreement. For Future Use� included in this Agreement. For Future Use� included in this Agreement.
                                                                                                        information  information  information  information  regarding  regarding  regarding  regarding  your  your  your  your  account  account  account  account  to  to  credit  to  credit  to  credit  credit  bureaus  bureaus  bureaus  bureaus  and  and  and  other   and  other   other   other  
      CREDIT CARD AGREEMENT AND  CREDIT CARD AGREEMENT AND  CREDIT CARD AGREEMENT AND  CREDIT CARD AGREEMENT AND 
                                    account by applying the periodic rate to the �average daily balance�  account by applying the periodic rate to the �average daily balance�  account by applying the periodic rate to the �average daily balance�  account by applying the periodic rate to the �average daily balance� 
                                                                      6. Default. You will be in default if you fail to make any Minimum   6. Default. You will be in default if you fail to make any Minimum   6. Default. You will be in default if you fail to make any Minimum   6. Default. You will be in default if you fail to make any Minimum   creditors  creditors  creditors  creditors  who  who  who  who  ask  ask  ask  us  ask  us  us  about  us  about  about  about  your  your  your  your  credit  credit  credit  credit  standing.  standing.  standing.  standing.  We  We  We  will  We  will  will  take   will  take   take   take  
     TRUTH-IN-LENDING DISCLOSURE TRUTH-IN-LENDING DISCLOSURE TRUTH-IN-LENDING DISCLOSURE TRUTH-IN-LENDING DISCLOSURE of your Account (including current transactions). To get the �average  of your Account (including current transactions). To get the �average  of your Account (including current transactions). To get the �average  of your Account (including current transactions). To get the �average 
                                                                      Payment  Payment  Payment  Payment  within  within  within  within  25  25  days  25  days  25  days  days  after  after  after  after  the  the  the  monthly  the  monthly  monthly  monthly  statement  statement  statement  statement  closing  closing  closing  closing  date.   date.   date.   date.   reasonable steps to protect your rights under Federal and State law. reasonable steps to protect your rights under Federal and State law. reasonable steps to protect your rights under Federal and State law. reasonable steps to protect your rights under Federal and State law.
                                    daily  daily  daily  daily  balance�  balance�  balance�  balance�  we  we  we  take  we  take  take  take  the  the  the  beginning  the  beginning  beginning  beginning  balance  balance  balance  balance  of  of  your  of  your  of  your  your  Account  Account  Account  Account 
                                                                      You will also be in default if: You will also be in default if: You will also be in default if: You will also be in default if:
                                    each day, add any new purchases, cash advances, and subtract any   each day, add any new purchases, cash advances, and subtract any   each day, add any new purchases, cash advances, and subtract any   each day, add any new purchases, cash advances, and subtract any   11.  11.  11.  Using  11.  Using  Using  Using  the  the  the  Card.  the  Card.  Card.  Card.  To  To  make  To  make  To  make  make  a  a  purchase  a  purchase  a  purchase  purchase  or  or  cash  or  cash  or  cash  cash  advance,  advance,  advance,  advance,  there  there  there  there 
                                                                      a) upon an adverse reevaluation of your creditworthiness, a) upon an adverse reevaluation of your creditworthiness, a) upon an adverse reevaluation of your creditworthiness, a) upon an adverse reevaluation of your creditworthiness,
                                    payment or credits and unpaid finance charges and fees. This gives us  payment or credits and unpaid finance charges and fees. This gives us  payment or credits and unpaid finance charges and fees. This gives us  payment or credits and unpaid finance charges and fees. This gives us  are two alternative procedures that you may follow. One is for you  are two alternative procedures that you may follow. One is for you  are two alternative procedures that you may follow. One is for you  are two alternative procedures that you may follow. One is for you 
                                                                      b) there are bankruptcy or insolvency proceedings involving you, b) there are bankruptcy or insolvency proceedings involving you, b) there are bankruptcy or insolvency proceedings involving you, b) there are bankruptcy or insolvency proceedings involving you, to  present  the  Card  to  a  participating  plan  merchant,  to  us,  or  to   to  present  the  Card  to  a  participating  plan  merchant,  to  us,  or  to   to  present  the  Card  to  a  participating  plan  merchant,  to  us,  or  to   to  present  the  Card  to  a  participating  plan  merchant,  to  us,  or  to  
  This is your Credit Card Agreement and Truth-In-Lending Disclosure.  This is your Credit Card Agreement and Truth-In-Lending Disclosure.  This is your Credit Card Agreement and Truth-In-Lending Disclosure.  This is your Credit Card Agreement and Truth-In-Lending Disclosure.  the daily balance. Then we add up all the daily balances for the billing  the daily balance. Then we add up all the daily balances for the billing  the daily balance. Then we add up all the daily balances for the billing  the daily balance. Then we add up all the daily balances for the billing 
                                                                      c) you die, c) you die, c) you die, c) you die, another financial institution, and sign the sales or cash advance draft  another financial institution, and sign the sales or cash advance draft  another financial institution, and sign the sales or cash advance draft  another financial institution, and sign the sales or cash advance draft 
  P l P e l a P e s l a e P e s l a e r  e s e a e r  a s e d e r  a e d a  r  a e n d a  a d n d a  d f  n i a  l d f  e n i l d f  e w  i l f  i e w  i t l h i e w  t h y  i w  t o h y  i u t o h y  r u o r  y  r u e o r  c r u e o r  c r r e o d r  c r e s o d c . r s o T  d . r h s T  d . i h s s T  . i A  h s T  i g A  h s r i g e A  s r e g e A  m r e g e m e r e e n m e e t n m e a  t n n e a  t d n n a  t d D  n a  i d D  n s c i d D  s l s c i D  u s l s c i r u s l e s c r , u l   e s r , u   e r ,   cycle and divide the total by the number of days in the billing cycle.  e ,   cycle and divide the total by the number of days in the billing cycle.  cycle and divide the total by the number of days in the billing cycle.  cycle and divide the total by the number of days in the billing cycle. 
                                                                      d) you make a misrepresentation in connection with your Account, d) you make a misrepresentation in connection with your Account, d) you make a misrepresentation in connection with your Account, d) you make a misrepresentation in connection with your Account, which will be imprinted with your Card. The other is to complete the   which will be imprinted with your Card. The other is to complete the   which will be imprinted with your Card. The other is to complete the   which will be imprinted with your Card. The other is to complete the  
  required  required  required  required  by  by  by  law,  by  law,  law,  states  law,  states  states  states  the  the  the  terms  the  terms  terms  terms  and  and  and  conditions  and  conditions  conditions  conditions  governing  governing  governing  governing  your  your  your  your  This gives us the �average daily balance.�  This gives us the �average daily balance.�  This gives us the �average daily balance.�  This gives us the �average daily balance.� 
                                                                      e)  you default on any obligation to us, under this Agreement or   e)  you default on any obligation to us, under this Agreement or   e)  you default on any obligation to us, under this Agreement or   e)  you default on any obligation to us, under this Agreement or   transaction  transaction  transaction  transaction  by  by  by  using  by  using  using  using  your  your  your  your  Personal  Personal  Personal  Personal  Identification  Identification  Identification  Identification  Number  Number  Number  Number  (PIN)   (PIN)   (PIN)   (PIN)  
  account(s).  account(s).  account(s).  account(s). 
                                                                       otherwise, otherwise, otherwise, otherwise,
                                    4. Other Charges. The following charges, when applicable, may be  4. Other Charges. The following charges, when applicable, may be  4. Other Charges. The following charges, when applicable, may be  4. Other Charges. The following charges, when applicable, may be  together with the Card in an Automated Teller Machine or other type  together with the Card in an Automated Teller Machine or other type  together with the Card in an Automated Teller Machine or other type  together with the Card in an Automated Teller Machine or other type 
  In  this  Agreement  the  words  �you�  and  �your�  mean  each  and  all   In  this  Agreement  the  words  �you�  and  �your�  mean  each  and  all   In  this  Agreement  the  words  �you�  and  �your�  mean  each  and  all   In  this  Agreement  the  words  �you�  and  �your�  mean  each  and  all   f) you cancel your membership with us,  f) you cancel your membership with us,  f) you cancel your membership with us,  f) you cancel your membership with us, 
                                    charged  to  your  Credit  Card  Account;  returned  payment  fee  up  to   charged  to  your  Credit  Card  Account;  returned  payment  fee  up  to   charged  to  your  Credit  Card  Account;  returned  payment  fee  up  to   charged  to  your  Credit  Card  Account;  returned  payment  fee  up  to   of electronic terminal that provides access to the Credit Card system.  of electronic terminal that provides access to the Credit Card system.  of electronic terminal that provides access to the Credit Card system.  of electronic terminal that provides access to the Credit Card system. 
  of  of  those  of  those  of  those  those  who  who  who  who  apply  apply  apply  apply  for  for  for  the  for  the  the  Credit  the  Credit  Credit  Credit  Card.  Card.  Card.  Card.  �We�,  �We�,  �We�,  �We�,  �us�,  �us�,  �us�,  �us�,  and  and  and  �ours�  and  �ours�  �ours�  �ours�  g) you exceed your Line-of-Credit. g) you exceed your Line-of-Credit. g) you exceed your Line-of-Credit. g) you exceed your Line-of-Credit.
                                    $25, replacement fee for lost card $10, late payment fee up to $25,  $25, replacement fee for lost card $10, late payment fee up to $25,  $25, replacement fee for lost card $10, late payment fee up to $25,  $25, replacement fee for lost card $10, late payment fee up to $25,  The monthly statement will identify the merchant, electronic terminal,  The monthly statement will identify the merchant, electronic terminal,  The monthly statement will identify the merchant, electronic terminal,  The monthly statement will identify the merchant, electronic terminal, 
  mean Wings Financial Credit Union, located with its main office in   mean Wings Financial Credit Union, located with its main office in   mean Wings Financial Credit Union, located with its main office in   mean Wings Financial Credit Union, located with its main office in  
                                    statement  copy  fee  $2,  and  copy  of  charge  slip  $2.  A  fee  may  be   statement  copy  fee  $2,  and  copy  of  charge  slip  $2.  A  fee  may  be   statement  copy  fee  $2,  and  copy  of  charge  slip  $2.  A  fee  may  be   statement  copy  fee  $2,  and  copy  of  charge  slip  $2.  A  fee  may  be   We have the right to demand immediate payment of your full account   We have the right to demand immediate payment of your full account   We have the right to demand immediate payment of your full account   We have the right to demand immediate payment of your full account   or financial institution at which transactions were made. Sales, cash  or financial institution at which transactions were made. Sales, cash  or financial institution at which transactions were made. Sales, cash  or financial institution at which transactions were made. Sales, cash 
  Minnesota.  �Card�  means  the  Credit  Card  and  any  duplicates  and   Minnesota.  �Card�  means  the  Credit  Card  and  any  duplicates  and   Minnesota.  �Card�  means  the  Credit  Card  and  any  duplicates  and   Minnesota.  �Card�  means  the  Credit  Card  and  any  duplicates  and  
                                    imposed for a transaction or balance inquiry at an ATM by an ATM   imposed for a transaction or balance inquiry at an ATM by an ATM   imposed for a transaction or balance inquiry at an ATM by an ATM   imposed for a transaction or balance inquiry at an ATM by an ATM   balance if you are in default. If permitted by law, you will also be   balance if you are in default. If permitted by law, you will also be   balance if you are in default. If permitted by law, you will also be   balance if you are in default. If permitted by law, you will also be   advance, credit or other slips will not be returned with the monthly  advance, credit or other slips will not be returned with the monthly  advance, credit or other slips will not be returned with the monthly  advance, credit or other slips will not be returned with the monthly 
  renewals we issue. �Account� means your Credit Card Line-of-Credit  renewals we issue. �Account� means your Credit Card Line-of-Credit  renewals we issue. �Account� means your Credit Card Line-of-Credit  renewals we issue. �Account� means your Credit Card Line-of-Credit 
                                    operator or by a national, regional, or local network used to complete  operator or by a national, regional, or local network used to complete  operator or by a national, regional, or local network used to complete  operator or by a national, regional, or local network used to complete  required  to  pay  our  collection  expenses,  including  court  costs  and   required  to  pay  our  collection  expenses,  including  court  costs  and   required  to  pay  our  collection  expenses,  including  court  costs  and   required  to  pay  our  collection  expenses,  including  court  costs  and   statement. You will keep the copy of the slips furnished at the time  statement. You will keep the copy of the slips furnished at the time  statement. You will keep the copy of the slips furnished at the time  statement. You will keep the copy of the slips furnished at the time 
  account with us. account with us. account with us. account with us.
                                    a transaction. a transaction. a transaction. a transaction. reasonable attorney�s fees. reasonable attorney�s fees. reasonable attorney�s fees. reasonable attorney�s fees. of the transaction in order to verify the monthly statement. There is a   of the transaction in order to verify the monthly statement. There is a   of the transaction in order to verify the monthly statement. There is a   of the transaction in order to verify the monthly statement. There is a  
  BY KEEPING THE CREDIT CARD, SIGNING IT, USING IT, OR BY KEEPING THE CREDIT CARD, SIGNING IT, USING IT, OR BY KEEPING THE CREDIT CARD, SIGNING IT, USING IT, OR BY KEEPING THE CREDIT CARD, SIGNING IT, USING IT, OR limitation of 20 transactions per day.  limitation of 20 transactions per day.  limitation of 20 transactions per day.  limitation of 20 transactions per day. 
                                    5. Monthly Statement and Payments. If you have a balance in excess  5. Monthly Statement and Payments. If you have a balance in excess  5. Monthly Statement and Payments. If you have a balance in excess  5. Monthly Statement and Payments. If you have a balance in excess  7. Lost Card Notification. If you believe your Card has been lost or   7. Lost Card Notification. If you believe your Card has been lost or   7. Lost Card Notification. If you believe your Card has been lost or   7. Lost Card Notification. If you believe your Card has been lost or  
  PERMITTING ANOTHER TO USE IT, YOU AGREE TO ALL THE TERMS   PERMITTING ANOTHER TO USE IT, YOU AGREE TO ALL THE TERMS   PERMITTING ANOTHER TO USE IT, YOU AGREE TO ALL THE TERMS   PERMITTING ANOTHER TO USE IT, YOU AGREE TO ALL THE TERMS  
                                    of  $1.00,  we  will  mail  to  you,  on  a  date  selected  by  us,  a  periodic  of  $1.00,  we  will  mail  to  you,  on  a  date  selected  by  us,  a  periodic  of  $1.00,  we  will  mail  to  you,  on  a  date  selected  by  us,  a  periodic  of  $1.00,  we  will  mail  to  you,  on  a  date  selected  by  us,  a  periodic  stolen, you will immediately call the Credit Card Lost/Stolen number at   stolen, you will immediately call the Credit Card Lost/Stolen number at   stolen, you will immediately call the Credit Card Lost/Stolen number at   stolen, you will immediately call the Credit Card Lost/Stolen number at   12.  12.  12.  Returns  12.  Returns  Returns  Returns  and  and  and  Adjustments.  and  Adjustments.  Adjustments.  Adjustments.  Merchants  Merchants  Merchants  Merchants  and  and  and  others  and  others  others  others  who  who  who  who  honor   honor   honor   honor  
  AND CONDITIONS OF THIS AGREEMENT. AND CONDITIONS OF THIS AGREEMENT. AND CONDITIONS OF THIS AGREEMENT. AND CONDITIONS OF THIS AGREEMENT.
                                    monthly  monthly  monthly  monthly  statement  statement  statement  statement  listing  listing  listing  listing  all  all  all  amounts  all  amounts  amounts  amounts  you  you  you  owe  you  owe  owe  owe  on  on  on  this  on  this  this  account.   this  account.   account.   account.   (800) 449-7728. Address all written correspondence to Card Services,  (800) 449-7728. Address all written correspondence to Card Services,  (800) 449-7728. Address all written correspondence to Card Services,  (800) 449-7728. Address all written correspondence to Card Services,  the Card may give credit for returns or adjustments, and they will do  the Card may give credit for returns or adjustments, and they will do  the Card may give credit for returns or adjustments, and they will do  the Card may give credit for returns or adjustments, and they will do 
                                                                                                        so by issuing a credit slip which will be posted to your Account. If your  so by issuing a credit slip which will be posted to your Account. If your  so by issuing a credit slip which will be posted to your Account. If your  so by issuing a credit slip which will be posted to your Account. If your 
  1.  1.  Effect  1.  Effect  1.  Effect  Effect  of  of  of  Agreement.  of  Agreement.  Agreement.  Agreement.  This  This  This  This  Agreement  Agreement  Agreement  Agreement  is  is  the  is  the  is  the  contract  the  contract  contract  contract  which   which   which   which   You agree to examine the statement upon receipt and immediately   You agree to examine the statement upon receipt and immediately   You agree to examine the statement upon receipt and immediately   You agree to examine the statement upon receipt and immediately   Wings  Financial  Credit  Union,  14985  Glazier  Avenue,  Apple  Valley,   Wings  Financial  Credit  Union,  14985  Glazier  Avenue,  Apple  Valley,   Wings  Financial  Credit  Union,  14985  Glazier  Avenue,  Apple  Valley,   Wings  Financial  Credit  Union,  14985  Glazier  Avenue,  Apple  Valley,  
  applies  to all  transactions  on  your  Account  even  though  the  sales,  applies  to all  transactions  on  your  Account  even  though  the  sales,  applies  to all  transactions  on  your  Account  even  though  the  sales,  applies  to  all  transactions  on  your  Account  even  though  the  sales,  notify us of any charge or item which you believe is an error or subject  notify us of any charge or item which you believe is an error or subject  notify us of any charge or item which you believe is an error or subject  notify us of any charge or item which you believe is an error or subject  MN 55124. MN 55124. MN 55124. MN 55124. credits and payments exceed what you owe us, we will apply this credit  credits and payments exceed what you owe us, we will apply this credit  credits and payments exceed what you owe us, we will apply this credit  credits and payments exceed what you owe us, we will apply this credit 
                                                                                                        balance against future purchases and cash advances to your Account.  balance against future purchases and cash advances to your Account.  balance against future purchases and cash advances to your Account.  balance against future purchases and cash advances to your Account. 
  cash  cash  cash  cash  advance,  advance,  advance,  advance,  or  or  or  credit  or  credit  credit  credit  slips  slips  slips  slips  you  you  you  sign  you  sign  sign  sign  or  or  or  receive  or  receive  receive  receive  may  may  may  may  contain   contain   contain   contain   to dispute. If you do not notify us within 60 days of the billing date   to dispute. If you do not notify us within 60 days of the billing date   to dispute. If you do not notify us within 60 days of the billing date   to dispute. If you do not notify us within 60 days of the billing date  
                                                                      8. Liability for Unauthorized Use Under Federal Law. Any Card or  8. Liability for Unauthorized Use Under Federal Law. Any Card or  8. Liability for Unauthorized Use Under Federal Law. Any Card or  8. Liability for Unauthorized Use Under Federal Law. Any Card or 
                                                                                                        If this credit balance is $1.00 or more, we will refund it per your written  If this credit balance is $1.00 or more, we will refund it per your written  If this credit balance is $1.00 or more, we will refund it per your written  If this credit balance is $1.00 or more, we will refund it per your written 
  different  different  different  different  terms.  terms.  terms.  terms.  Subject  Subject  Subject  Subject  to  to  applicable  to  applicable  to  applicable  applicable  law,  law,  law,  law,  we  we  we  may  we  may  may  may  amend  amend  amend  amend  this   this   this   this   of such inaccuracies, the statement will be considered by us to be   of such inaccuracies, the statement will be considered by us to be   of such inaccuracies, the statement will be considered by us to be   of such inaccuracies, the statement will be considered by us to be  
                                                                      other credit instrument issued to you is the property of Wings Financial  other credit instrument issued to you is the property of Wings Financial  other credit instrument issued to you is the property of Wings Financial  other credit instrument issued to you is the property of Wings Financial 
                                    accepted by you as correct. Every month you must pay, in United States  accepted by you as correct. Every month you must pay, in United States  accepted by you as correct. Every month you must pay, in United States  accepted by you as correct. Every month you must pay, in United States  request. request. request. request.
  Agreement including, but not limited to, changing the rate or method  Agreement including, but not limited to, changing the rate or method  Agreement including, but not limited to, changing the rate or method  Agreement including, but not limited to, changing the rate or method  Credit Union, and must be returned to us immediately upon demand or  Credit Union, and must be returned to us immediately upon demand or  Credit Union, and must be returned to us immediately upon demand or  Credit Union, and must be returned to us immediately upon demand or 
  of  of  determining  of  determining  of  determining  determining  the  the  the  finance  the  finance  finance  finance  charge,  charge,  charge,  charge,  by  by  by  sending  by  sending  sending  sending  you  you  you  the  you  the  the  advance   the  advance   advance   advance   dollars, at least the Minimum Payment required within 25 days of your  dollars, at least the Minimum Payment required within 25 days of your  dollars, at least the Minimum Payment required within 25 days of your  dollars, at least the Minimum Payment required within 25 days of your 
                                                                      upon notice of cancellation or withdrawal of the Card.  upon notice of cancellation or withdrawal of the Card.  upon notice of cancellation or withdrawal of the Card.  upon notice of cancellation or withdrawal of the Card.  13. Foreign Transactions. Purchases and cash advances you make   13. Foreign Transactions. Purchases and cash advances you make   13. Foreign Transactions. Purchases and cash advances you make   13. Foreign Transactions. Purchases and cash advances you make  
  written notice as required by law. To the extent the law permits, and  written notice as required by law. To the extent the law permits, and  written notice as required by law. To the extent the law permits, and  written notice as required by law. To the extent the law permits, and  statement closing date as shown on your monthly statement. You may,  statement closing date as shown on your monthly statement. You may,  statement closing date as shown on your monthly statement. You may,  statement closing date as shown on your monthly statement. You may,  in foreign countries currencies will be billed to you in U.S. dollars.   in foreign countries currencies will be billed to you in U.S. dollars.   in foreign countries currencies will be billed to you in U.S. dollars.   in foreign countries currencies will be billed to you in U.S. dollars.  
                                                                      If your statement shows transfers that you did not make, tell us at  If your statement shows transfers that you did not make, tell us at  If your statement shows transfers that you did not make, tell us at  If your statement shows transfers that you did not make, tell us at 
  we  indicate  in  our  notice,  amendments  will  apply  to  your  existing   we  indicate  in  our  notice,  amendments  will  apply  to  your  existing   we  indicate  in  our  notice,  amendments  will  apply  to  your  existing   we  indicate  in  our  notice,  amendments  will  apply  to  your  existing   of course, pay more frequently, pay more than the Minimum Payment,  of course, pay more frequently, pay more than the Minimum Payment,  of course, pay more frequently, pay more than the Minimum Payment,  of course, pay more frequently, pay more than the Minimum Payment,  The  conversion  to  dollars  will  be  made  according  to  the  operating  The  conversion  to  dollars  will  be  made  according  to  the  operating  The  conversion  to  dollars  will  be  made  according  to  the  operating  The  conversion  to  dollars  will  be  made  according  to  the  operating 
  account balances as well as to future transactions. account balances as well as to future transactions. account balances as well as to future transactions. account balances as well as to future transactions. or pay the Total New Balance in full, and reduce the finance charge by  or pay the Total New Balance in full, and reduce the finance charge by  or pay the Total New Balance in full, and reduce the finance charge by  or pay the Total New Balance in full, and reduce the finance charge by  once. If you do not tell us within sixty (60) days after the statement was  once. If you do not tell us within sixty (60) days after the statement was  once. If you do not tell us within sixty (60) days after the statement was  once. If you do not tell us within sixty (60) days after the statement was 
                                                                                                        regulations  regulations  regulations  regulations  for  for  for  international  for  international  international  international  transactions  transactions  transactions  transactions  established  established  established  established  by  by  by  VISA   by  VISA   VISA   VISA  
                                    doing so. The Minimum Payment will either be:  doing so. The Minimum Payment will either be:  doing so. The Minimum Payment will either be:  doing so. The Minimum Payment will either be:  mailed to you, you may not get back any money you lost after the sixty  mailed to you, you may not get back any money you lost after the sixty  mailed to you, you may not get back any money you lost after the sixty  mailed to you, you may not get back any money you lost after the sixty 
                                                                                                        International,  International,  International,  International,  Inc.  Inc.  Inc.  Currently,  Inc.  Currently,  Currently,  Currently,  those  those  those  those  Regulations  Regulations  Regulations  Regulations  provide  provide  provide  provide  that  that  that  that  the   the   the   the  
  2.  Responsibility:  Joint  Account.  If  we  issue  a  Card  to  you,  you  2.  Responsibility:  Joint  Account.  If  we  issue  a  Card  to  you,  you  2.  Responsibility:  Joint  Account.  If  we  issue  a  Card  to  you,  you  2.  Responsibility:  Joint  Account.  If  we  issue  a  Card  to  you,  you  (60) days if we can prove that we could have stopped someone from  (60) days if we can prove that we could have stopped someone from  (60) days if we can prove that we could have stopped someone from  (60) days if we can prove that we could have stopped someone from 
                                                                                                        currency  conversion  rate  to  be  used  is  either  a  wholesale  market   currency  conversion  rate  to  be  used  is  either  a  wholesale  market   currency  conversion  rate  to  be  used  is  either  a  wholesale  market   currency  conversion  rate  to  be  used  is  either  a  wholesale  market  
  agree to repay all debts and the finance charge from the use of your  agree to repay all debts and the finance charge from the use of your  agree to repay all debts and the finance charge from the use of your  agree to repay all debts and the finance charge from the use of your  a)  three percent (3%) of your total New Balance or $10.00, whichever  a)  three percent (3%) of your total New Balance or $10.00, whichever  a)  three percent (3%) of your total New Balance or $10.00, whichever  a)  three percent (3%) of your total New Balance or $10.00, whichever 
                                                                      taking the money if you had told us in time. If a good reason (such as  taking the money if you had told us in time. If a good reason (such as  taking the money if you had told us in time. If a good reason (such as  taking the money if you had told us in time. If a good reason (such as 
                                                                                                        rate or a government mandated rate in effect one day prior to the   rate or a government mandated rate in effect one day prior to the   rate or a government mandated rate in effect one day prior to the   rate or a government mandated rate in effect one day prior to the  
  Card and the Account. For example, you are responsible for charges  Card and the Account. For example, you are responsible for charges  Card and the Account. For example, you are responsible for charges  Card and the Account. For example, you are responsible for charges  is greater, or is greater, or is greater, or is greater, or
                                                                      a long trip or hospital stay) kept you from telling us, we will extend the   a long trip or hospital stay) kept you from telling us, we will extend the   a long trip or hospital stay) kept you from telling us, we will extend the   a long trip or hospital stay) kept you from telling us, we will extend the  
                                    b)  your Total New Balance, if it is less than $10.00, plus b)  your Total New Balance, if it is less than $10.00, plus b)  your Total New Balance, if it is less than $10.00, plus b)  your Total New Balance, if it is less than $10.00, plus processing  processing  processing  processing  date,  date,  date,  date,  increased  increased  increased  increased  by  by  by  one  by  one  one  percent  one  percent  percent  percent  (1%).  (1%).  (1%).  (1%).  For  For  For  transactions   For  transactions   transactions   transactions  
  made by you, your spouse, and minor children. You cannot transfer or   made by you, your spouse, and minor children. You cannot transfer or   made by you, your spouse, and minor children. You cannot transfer or   made by you, your spouse, and minor children. You cannot transfer or   time period. time period. time period. time period.
                                    c)  any portion of the Minimum Payment(s) shown on prior statement(s)  c)  any portion of the Minimum Payment(s) shown on prior statement(s)  c)  any portion of the Minimum Payment(s) shown on prior statement(s)  c)  any portion of the Minimum Payment(s) shown on prior statement(s)  involving  involving  involving  involving  your  your  your  your  MasterCard,  MasterCard,  MasterCard,  MasterCard,  you  you  you  will  you  will  will  be  will  be  be  charged  be  charged  charged  charged  1%  1%  1%  calculated  1%  calculated  calculated  calculated  on  on  on  on 
  assign your account to another person. You are responsible for charges  assign your account to another person. You are responsible for charges  assign your account to another person. You are responsible for charges  assign your account to another person. You are responsible for charges 
                                     which remains unpaid. which remains unpaid. which remains unpaid. which remains unpaid. Business  Business  Business  Business  or  or  or  organization  or  organization  organization  organization  accounts  accounts  accounts  accounts  in  in  which  in  which  in  which  which  ten  ten  ten  or  ten  or  or  more  or  more  more  more  cards   cards   cards   cards   the  final  settlement  amount  for  transactions  that  are  initiated  in  a   the  final  settlement  amount  for  transactions  that  are  initiated  in  a   the  final  settlement  amount  for  transactions  that  are  initiated  in  a   the  final  settlement  amount  for  transactions  that  are  initiated  in  a  
  made by anyone else to whom you give the Card, and this responsibility  made by anyone else to whom you give the Card, and this responsibility  made by anyone else to whom you give the Card, and this responsibility  made by anyone else to whom you give the Card, and this responsibility  8.5�
                                                                      have been issued to employees or associates are not subject to the  have been issued to employees or associates are not subject to the  have been issued to employees or associates are not subject to the  have been issued to employees or associates are not subject to the  foreign country. In either case, the currency conversion rate in effect   foreign country. In either case, the currency conversion rate in effect   foreign country. In either case, the currency conversion rate in effect   foreign country. In either case, the currency conversion rate in effect  
  continues until the Card is recovered. You cannot avoid responsibility  continues until the Card is recovered. You cannot avoid responsibility  continues until the Card is recovered. You cannot avoid responsibility  continues until the Card is recovered. You cannot avoid responsibility  In addition, at any time your Total New Balance exceeds your Credit  In addition, at any time your Total New Balance exceeds your Credit  In addition, at any time your Total New Balance exceeds your Credit  In addition, at any time your Total New Balance exceeds your Credit 
                                                                      limitations on liability. limitations on liability. limitations on liability. limitations on liability. on the processing date may differ from the rate in effect on the trans- on the processing date may differ from the rate in effect on the trans- on the processing date may differ from the rate in effect on the trans- on the processing date may differ from the rate in effect on the trans-
  by  notifying  us,  but  we  will  close  the  Account  as  soon  as  possible   by  notifying  us,  but  we  will  close  the  Account  as  soon  as  possible   by  notifying  us,  but  we  will  close  the  Account  as  soon  as  possible   by  notifying  us,  but  we  will  close  the  Account  as  soon  as  possible   Limit, you must immediately pay the excess upon our demand. We will  Limit, you must immediately pay the excess upon our demand. We will  Limit, you must immediately pay the excess upon our demand. We will  Limit, you must immediately pay the excess upon our demand. We will 
                                                                                                        action date or the posting date. The currency conversion rate used   action date or the posting date. The currency conversion rate used   action date or the posting date. The currency conversion rate used   action date or the posting date. The currency conversion rate used  
  for  for  for  new  for  new  new  new  transactions  transactions  transactions  transactions  after  after  after  after  you  you  you  request  you  request  request  request  and  and  and  return  and  return  return  return  all  all  Cards.  all  Cards.  all  Cards.  Cards.  Your   Your   Your   Your   apply your payments in the following order: apply your payments in the following order: apply your payments in the following order: apply your payments in the following order: 9. Credit Line. You agree not to let the account balance exceed the   9. Credit Line. You agree not to let the account balance exceed the   9. Credit Line. You agree not to let the account balance exceed the   9. Credit Line. You agree not to let the account balance exceed the  
  obligation to pay the Account balance continues even though an agree- obligation to pay the Account balance continues even though an agree- obligation to pay the Account balance continues even though an agree- obligation to pay the Account balance continues even though an agree- approved  approved  approved  approved  Line-of-Credit.  Line-of-Credit.  Line-of-Credit.  Line-of-Credit.  Each  Each  Each  Each  payment  payment  payment  payment  you  you  you  make  you  make  make  make  on  on  on  the  on  the  the  Account  the  Account  Account  Account  may be the same as, greater than or less than the amount that would be   may be the same as, greater than or less than the amount that would be   may be the same as, greater than or less than the amount that would be   may be the same as, greater than or less than the amount that would be  
                                    a) to the previously billed and unpaid finance charge on purchases, a) to the previously billed and unpaid finance charge on purchases, a) to the previously billed and unpaid finance charge on purchases, a) to the previously billed and unpaid finance charge on purchases, calculated by conversion through a financial institution in the country  calculated by conversion through a financial institution in the country  calculated by conversion through a financial institution in the country  calculated by conversion through a financial institution in the country 
  ment, divorce decree or other court judgement to which we are a party  ment, divorce decree or other court judgement to which we are a party  ment, divorce decree or other court judgement to which we are a party  ment, divorce decree or other court judgement to which we are a party  will restore your Line-of-Credit by the amount of payment which is  will restore your Line-of-Credit by the amount of payment which is  will restore your Line-of-Credit by the amount of payment which is  will restore your Line-of-Credit by the amount of payment which is 
                                    b)  to the previously billed and unpaid finance charge on   b)  to the previously billed and unpaid finance charge on   b)  to the previously billed and unpaid finance charge on   b)  to the previously billed and unpaid finance charge on  
                                                                      applied to the principal. You may request an increase in your Line- applied to the principal. You may request an increase in your Line- applied to the principal. You may request an increase in your Line- applied to the principal. You may request an increase in your Line- in which the purchase or advance occurred. We do not determine the   in which the purchase or advance occurred. We do not determine the   in which the purchase or advance occurred. We do not determine the   in which the purchase or advance occurred. We do not determine the  
  may direct you or one of the other persons responsible to pay the   may direct you or one of the other persons responsible to pay the   may direct you or one of the other persons responsible to pay the   may direct you or one of the other persons responsible to pay the  
                                     cash advances, cash advances, cash advances, cash advances,        currency conversion rate which is used and we do not receive any   currency conversion rate which is used and we do not receive any   currency conversion rate which is used and we do not receive any   currency conversion rate which is used and we do not receive any  
  Account. Any person using the Card is jointly responsible with you for  Account. Any person using the Card is jointly responsible with you for  Account. Any person using the Card is jointly responsible with you for  Account. Any person using the Card is jointly responsible with you for  of-Credit,  which  must  be  approved  by  us,  by  calling  or  writing  us.   of-Credit,  which  must  be  approved  by  us,  by  calling  or  writing  us.   of-Credit,  which  must  be  approved  by  us,  by  calling  or  writing  us.   of-Credit,  which  must  be  approved  by  us,  by  calling  or  writing  us.  
                                    c) to cash advances, c) to cash advances, c) to cash advances, c) to cash advances,
  charges he or she makes. Any person who signs the Card becomes a  charges he or she makes. Any person who signs the Card becomes a  charges he or she makes. Any person who signs the Card becomes a  charges he or she makes. Any person who signs the Card becomes a  We may, at our discretion, increase your Line-of-Credit from time to  We may, at our discretion, increase your Line-of-Credit from time to  We may, at our discretion, increase your Line-of-Credit from time to  We may, at our discretion, increase your Line-of-Credit from time to  portion of the currency conversion rate. portion of the currency conversion rate. portion of the currency conversion rate. portion of the currency conversion rate.
                                    d) to previously billed purchases, d) to previously billed purchases, d) to previously billed purchases, d) to previously billed purchases,
  party to this Agreement and is jointly responsible for all charges on the  party to this Agreement and is jointly responsible for all charges on the  party to this Agreement and is jointly responsible for all charges on the  party to this Agreement and is jointly responsible for all charges on the  time upon notifying you in writing of the increase. By giving you written  time upon notifying you in writing of the increase. By giving you written  time upon notifying you in writing of the increase. By giving you written  time upon notifying you in writing of the increase. By giving you written  14.  14.  14.  Irregular  14.  Irregular  Irregular  Irregular  Payments.  Payments.  Payments.  Payments.  We  We  We  may  We  may  may  may  accept  accept  accept  accept  late  late  late  payments,  late  payments,  payments,  payments,  partial   partial   partial   partial  
                                    e) to new purchases, whether or not billed on the monthly statement. e) to new purchases, whether or not billed on the monthly statement. e) to new purchases, whether or not billed on the monthly statement. e) to new purchases, whether or not billed on the monthly statement.
  Account, including yours. Account, including yours. Account, including yours. Account, including yours. notice we may reduce your Line-of-Credit at any time. We may also,  notice we may reduce your Line-of-Credit at any time. We may also,  notice we may reduce your Line-of-Credit at any time. We may also,  notice we may reduce your Line-of-Credit at any time. We may also,  payments, and checks marked �Payment in Full� and disregard such  payments, and checks marked �Payment in Full� and disregard such  payments, and checks marked �Payment in Full� and disregard such  payments, and checks marked �Payment in Full� and disregard such 
                                    However, any payment equal to, or greater than, the Previous Balance However, any payment equal to, or greater than, the Previous Balance However, any payment equal to, or greater than, the Previous Balance However, any payment equal to, or greater than, the Previous Balance with  good  cause,  revoke  your  Card  and  terminate  this  Agreement.  with  good  cause,  revoke  your  Card  and  terminate  this  Agreement.  with  good  cause,  revoke  your  Card  and  terminate  this  Agreement.  with  good  cause,  revoke  your  Card  and  terminate  this  Agreement.  statements (or accompanying) without waiving or losing any right to  statements (or accompanying) without waiving or losing any right to  statements (or accompanying) without waiving or losing any right to  statements (or accompanying) without waiving or losing any right to 
                                    of  Purchases  will  be  applied  first  to  that  balance  and  any  finance  of  Purchases  will  be  applied  first  to  that  balance  and  any  finance  of  Purchases  will  be  applied  first  to  that  balance  and  any  finance  of  Purchases  will  be  applied  first  to  that  balance  and  any  finance  Good  Good  Good  Good  cause  cause  cause  cause  includes  includes  includes  includes  your  your  your  your  failure  failure  failure  failure  to  to  comply  to  comply  to  comply  comply  with  with  with  with  this  this  this  Agreement,   this  Agreement,   Agreement,   Agreement,   demand payment as set forth in this Agreement. demand payment as set forth in this Agreement. demand payment as set forth in this Agreement. demand payment as set forth in this Agreement.
  M-110502   10/13                                                                                                                 M-103179    01/11 M-103179    01/11 M-103179    01/11 M-103179    01/11
                 3.5�                               3.5�                               3.5�                               3.5�                                                                     14�
  15. Termination. You may terminate this Agreement at any time  15. Termination. You may terminate this Agreement at any time  15. Termination. You may terminate this Agreement at any time  15. Termination. You may terminate this Agreement at any time  NOTICE TO NEW YORK RESIDENTS: In connection with your application  NOTICE TO NEW YORK RESIDENTS: In connection with your application  NOTICE TO NEW YORK RESIDENTS: In connection with your application  NOTICE TO NEW YORK RESIDENTS: In connection with your application  YOUR BILLING RIGHTS YOUR BILLING RIGHTS YOUR BILLING RIGHTS YOUR BILLING RIGHTS Special rule for credit card purchases. If you have a problem with the  Special rule for credit card purchases. If you have a problem with the  Special rule for credit card purchases. If you have a problem with the  Special rule for credit card purchases. If you have a problem with the 
  without reason by notifying us in writing. Upon termination you will  without reason by notifying us in writing. Upon termination you will  without reason by notifying us in writing. Upon termination you will  without reason by notifying us in writing. Upon termination you will  for credit, we may request a consumer report. If you make a request,  for credit, we may request a consumer report. If you make a request,  for credit, we may request a consumer report. If you make a request,  for credit, we may request a consumer report. If you make a request,  (Keep this notice for future use) (Keep this notice for future use) (Keep this notice for future use) (Keep this notice for future use) quality of goods or services that you purchase with a credit card and  quality of goods or services that you purchase with a credit card and  quality of goods or services that you purchase with a credit card and  quality of goods or services that you purchase with a credit card and 
  return your cards, which you will have cut in half. Your obligations   return your cards, which you will have cut in half. Your obligations   return your cards, which you will have cut in half. Your obligations   return your cards, which you will have cut in half. Your obligations   we will advise you whether such a report was ordered and the name  we will advise you whether such a report was ordered and the name  we will advise you whether such a report was ordered and the name  we will advise you whether such a report was ordered and the name  This notice contains important information about your  This notice contains important information about your  This notice contains important information about your  This notice contains important information about your  you have tried in good faith to correct the problem with the merchant,  you have tried in good faith to correct the problem with the merchant,  you have tried in good faith to correct the problem with the merchant,  you have tried in good faith to correct the problem with the merchant, 
  under this Agreement, and any subsequent amendments made to it,  under this Agreement, and any subsequent amendments made to it,  under this Agreement, and any subsequent amendments made to it,  under this Agreement, and any subsequent amendments made to it,  and address of the consumer reporting agency that provided the   and address of the consumer reporting agency that provided the   and address of the consumer reporting agency that provided the   and address of the consumer reporting agency that provided the   rights and our responsibilities under the  rights and our responsibilities under the  rights and our responsibilities under the  rights and our responsibilities under the  you may not have to pay the remaining amount due on the goods or  you may not have to pay the remaining amount due on the goods or  you may not have to pay the remaining amount due on the goods or  you may not have to pay the remaining amount due on the goods or 
  will continue until the balance due on the Account is paid. will continue until the balance due on the Account is paid. will continue until the balance due on the Account is paid. will continue until the balance due on the Account is paid. report. New York residents may contact the New York State Banking   report. New York residents may contact the New York State Banking   report. New York residents may contact the New York State Banking   report. New York residents may contact the New York State Banking   Fair Credit billing Act. Fair Credit billing Act. Fair Credit billing Act. Fair Credit billing Act. services. You have this protection only when the purchase price was  services. You have this protection only when the purchase price was  services. You have this protection only when the purchase price was  services. You have this protection only when the purchase price was 
                                    Department to obtain a comparative listing of credit card rates, fees and  Department to obtain a comparative listing of credit card rates, fees and  Department to obtain a comparative listing of credit card rates, fees and  Department to obtain a comparative listing of credit card rates, fees and  more than $50.00 and the purchase was made in your home state or  more than $50.00 and the purchase was made in your home state or  more than $50.00 and the purchase was made in your home state or  more than $50.00 and the purchase was made in your home state or 
  16. Skip Payment Option. At the option of Wings Financial, a   16. Skip Payment Option. At the option of Wings Financial, a   16. Skip Payment Option. At the option of Wings Financial, a   16. Skip Payment Option. At the option of Wings Financial, a   Notify us in case of errors or questions about your statement.  Notify us in case of errors or questions about your statement.  Notify us in case of errors or questions about your statement.  Notify us in case of errors or questions about your statement. 
                                    grace periods. New York State Banking Department 1-800-518-8866 grace periods. New York State Banking Department 1-800-518-8866 grace periods. New York State Banking Department 1-800-518-8866 grace periods. New York State Banking Department 1-800-518-8866 within 100 miles of your mailing address. (If we own or operate the  within 100 miles of your mailing address. (If we own or operate the  within 100 miles of your mailing address. (If we own or operate the  within 100 miles of your mailing address. (If we own or operate the 
  minimum payment may be waived during certain billing cycles.   minimum payment may be waived during certain billing cycles.   minimum payment may be waived during certain billing cycles.   minimum payment may be waived during certain billing cycles.   If you think your bill is wrong, or if you need more information about a   If you think your bill is wrong, or if you need more information about a   If you think your bill is wrong, or if you need more information about a   If you think your bill is wrong, or if you need more information about a  
                                                                                                        merchant, or if we mailed you the advertisement for the property or  merchant, or if we mailed you the advertisement for the property or  merchant, or if we mailed you the advertisement for the property or  merchant, or if we mailed you the advertisement for the property or 
  If such a waiver occurs, finance charges will continue to apply to the  If such a waiver occurs, finance charges will continue to apply to the  If such a waiver occurs, finance charges will continue to apply to the  If such a waiver occurs, finance charges will continue to apply to the  NOTICE TO OHIO RESIDENTS: The Ohio laws against discrimination  NOTICE TO OHIO RESIDENTS: The Ohio laws against discrimination  NOTICE TO OHIO RESIDENTS: The Ohio laws against discrimination  NOTICE TO OHIO RESIDENTS: The Ohio laws against discrimination  transaction on your bill, write to us on a separate sheet of paper at   transaction on your bill, write to us on a separate sheet of paper at   transaction on your bill, write to us on a separate sheet of paper at   transaction on your bill, write to us on a separate sheet of paper at  
                                                                                                        services, all purchases are covered regardless of amount or location of  services, all purchases are covered regardless of amount or location of  services, all purchases are covered regardless of amount or location of  services, all purchases are covered regardless of amount or location of 
  Account during the skip payment billing cycle. Beginning with the   Account during the skip payment billing cycle. Beginning with the   Account during the skip payment billing cycle. Beginning with the   Account during the skip payment billing cycle. Beginning with the   require that all creditors make credit equally available to all   require that all creditors make credit equally available to all   require that all creditors make credit equally available to all   require that all creditors make credit equally available to all   Customer Service, P.O. Box 31112, Tampa, FL 33631-3112. Write to us as  Customer Service, P.O. Box 31112, Tampa, FL 33631-3112. Write to us as  Customer Service, P.O. Box 31112, Tampa, FL 33631-3112. Write to us as  Customer Service, P.O. Box 31112, Tampa, FL 33631-3112. Write to us as 
                                                                                                        purchase.) purchase.) purchase.) purchase.)
  billing cycle following the skip payment, all provisions of the  billing cycle following the skip payment, all provisions of the  billing cycle following the skip payment, all provisions of the  billing cycle following the skip payment, all provisions of the  creditworthy customers and that credit reporting agencies maintain  creditworthy customers and that credit reporting agencies maintain  creditworthy customers and that credit reporting agencies maintain  creditworthy customers and that credit reporting agencies maintain  soon as possible. We must hear from you no later than 60 days after  soon as possible. We must hear from you no later than 60 days after  soon as possible. We must hear from you no later than 60 days after  soon as possible. We must hear from you no later than 60 days after 
  Agreement shall apply. Agreement shall apply. Agreement shall apply. Agreement shall apply. separate credit histories on each individual upon request. The Ohio  separate credit histories on each individual upon request. The Ohio  separate credit histories on each individual upon request. The Ohio  separate credit histories on each individual upon request. The Ohio  we sent you the first bill on which the error or problem appeared. You  we sent you the first bill on which the error or problem appeared. You  we sent you the first bill on which the error or problem appeared. You  we sent you the first bill on which the error or problem appeared. You 
                                                                                                              IMPORTANT SECURITY INTEREST NOTICE IMPORTANT SECURITY INTEREST NOTICE IMPORTANT SECURITY INTEREST NOTICE IMPORTANT SECURITY INTEREST NOTICE
                                    Civil Rights Commission administers compliance with this law. Civil Rights Commission administers compliance with this law. Civil Rights Commission administers compliance with this law. Civil Rights Commission administers compliance with this law.
  17. Refusal to Honor. We are not responsible for the refusal of any Plan  17. Refusal to Honor. We are not responsible for the refusal of any Plan  17. Refusal to Honor. We are not responsible for the refusal of any Plan  17. Refusal to Honor. We are not responsible for the refusal of any Plan  can telephone us at 1-800-692-2274, but doing so will not preserve your  can telephone us at 1-800-692-2274, but doing so will not preserve your  can telephone us at 1-800-692-2274, but doing so will not preserve your  can telephone us at 1-800-692-2274, but doing so will not preserve your 
                                                                                                             Pledge of Deposits for Repayment of Credit Card Pledge of Deposits for Repayment of Credit Card Pledge of Deposits for Repayment of Credit Card Pledge of Deposits for Repayment of Credit Card
  Merchant or financial institution to honor your card. Merchant or financial institution to honor your card. Merchant or financial institution to honor your card. Merchant or financial institution to honor your card. NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision of a  NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision of a  NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision of a  NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision of a  rights. rights. rights. rights.
                                                                                                        By accepting (evidenced by use) the enclosed card, you grant Wings  By accepting (evidenced by use) the enclosed card, you grant Wings  By accepting (evidenced by use) the enclosed card, you grant Wings  By accepting (evidenced by use) the enclosed card, you grant Wings 
                                    marital property agreement, a unilateral statement under Sec. 766.59,  marital property agreement, a unilateral statement under Sec. 766.59,  marital property agreement, a unilateral statement under Sec. 766.59,  marital property agreement, a unilateral statement under Sec. 766.59, 
  18. Governing Law. This Agreement and my account shall be   18. Governing Law. This Agreement and my account shall be   18. Governing Law. This Agreement and my account shall be   18. Governing Law. This Agreement and my account shall be   In your letter give us the following information: In your letter give us the following information: In your letter give us the following information: In your letter give us the following information: Financial a Security Interest in all shares, deposits and dividends now  Financial a Security Interest in all shares, deposits and dividends now  Financial a Security Interest in all shares, deposits and dividends now  Financial a Security Interest in all shares, deposits and dividends now 
                                    Wis. Stats. or a court decree under Sec. 766.70 Wis. Stats., adversely   Wis. Stats. or a court decree under Sec. 766.70 Wis. Stats., adversely   Wis. Stats. or a court decree under Sec. 766.70 Wis. Stats., adversely   Wis. Stats. or a court decree under Sec. 766.70 Wis. Stats., adversely  
  governed by Minnesota law and the laws of the United States. governed by Minnesota law and the laws of the United States. governed by Minnesota law and the laws of the United States. governed by Minnesota law and the laws of the United States. a) Your name and account number. a) Your name and account number. a) Your name and account number. a) Your name and account number. or in the future held in the name of all credit card account owners at  or in the future held in the name of all credit card account owners at  or in the future held in the name of all credit card account owners at  or in the future held in the name of all credit card account owners at 
                                    affects the interest of the creditor unless the creditor, prior to the time  affects the interest of the creditor unless the creditor, prior to the time  affects the interest of the creditor unless the creditor, prior to the time  affects the interest of the creditor unless the creditor, prior to the time 
                                                                      b) The dollar amount of the suspected error. b) The dollar amount of the suspected error. b) The dollar amount of the suspected error. b) The dollar amount of the suspected error. Wings Financial (excluding funds held in an Individual Retirement   Wings Financial (excluding funds held in an Individual Retirement   Wings Financial (excluding funds held in an Individual Retirement   Wings Financial (excluding funds held in an Individual Retirement  
  19. Successors and Assigns. You agree that Wings Financial may at any  19. Successors and Assigns. You agree that Wings Financial may at any  19. Successors and Assigns. You agree that Wings Financial may at any  19. Successors and Assigns. You agree that Wings Financial may at any  the credit is granted is furnished a copy of the agreement, statement  the credit is granted is furnished a copy of the agreement, statement  the credit is granted is furnished a copy of the agreement, statement  the credit is granted is furnished a copy of the agreement, statement 
                                                                      c)  Describe the error and explain, if you can, why you believe there is   c)  Describe the error and explain, if you can, why you believe there is   c)  Describe the error and explain, if you can, why you believe there is   c)  Describe the error and explain, if you can, why you believe there is   Account). Account). Account). Account).
  time assign or transfer to another person your account, your account  time assign or transfer to another person your account, your account  time assign or transfer to another person your account, your account  time assign or transfer to another person your account, your account  or decree or has actual knowledge of the adverse provision when the  or decree or has actual knowledge of the adverse provision when the  or decree or has actual knowledge of the adverse provision when the  or decree or has actual knowledge of the adverse provision when the 
                                                                       an error. If you need more information, describe the item you are not  an error. If you need more information, describe the item you are not  an error. If you need more information, describe the item you are not  an error. If you need more information, describe the item you are not 
  balance, on this Agreement. You will not assign or transfer any of your  balance, on this Agreement. You will not assign or transfer any of your  balance, on this Agreement. You will not assign or transfer any of your  balance, on this Agreement. You will not assign or transfer any of your  obligation to the creditor is incurred. You are married and this account  obligation to the creditor is incurred. You are married and this account  obligation to the creditor is incurred. You are married and this account  obligation to the creditor is incurred. You are married and this account  The Security Interest secures payment of all credit card indebted- The Security Interest secures payment of all credit card indebted- The Security Interest secures payment of all credit card indebted- The Security Interest secures payment of all credit card indebted-
                                                                       sure about. sure about. sure about. sure about.
  rights or duties under this Agreement. This Agreement is binding upon  rights or duties under this Agreement. This Agreement is binding upon  rights or duties under this Agreement. This Agreement is binding upon  rights or duties under this Agreement. This Agreement is binding upon  is being opened in the interest of your marriage or family. is being opened in the interest of your marriage or family. is being opened in the interest of your marriage or family. is being opened in the interest of your marriage or family. ness, including all future advances, and gives Wings Financial the right   ness, including all future advances, and gives Wings Financial the right   ness, including all future advances, and gives Wings Financial the right   ness, including all future advances, and gives Wings Financial the right  
  your heirs and legal representatives. your heirs and legal representatives. your heirs and legal representatives. your heirs and legal representatives. If you have authorized us to pay your credit card automatically from  If you have authorized us to pay your credit card automatically from  If you have authorized us to pay your credit card automatically from  If you have authorized us to pay your credit card automatically from  to deduct all or part of the credit card debt due if payment is not   to deduct all or part of the credit card debt due if payment is not   to deduct all or part of the credit card debt due if payment is not   to deduct all or part of the credit card debt due if payment is not  
                                    NOTICE TO CALIFORNIA RESIDENTS: If you are married, you may  NOTICE TO CALIFORNIA RESIDENTS: If you are married, you may  NOTICE TO CALIFORNIA RESIDENTS: If you are married, you may  NOTICE TO CALIFORNIA RESIDENTS: If you are married, you may  your savings or checking account, you can stop the payment on any  your savings or checking account, you can stop the payment on any  your savings or checking account, you can stop the payment on any  your savings or checking account, you can stop the payment on any  timely made. timely made. timely made. timely made.
  20. Other Provisions. If any part of this Agreement is not valid, all other  20. Other Provisions. If any part of this Agreement is not valid, all other  20. Other Provisions. If any part of this Agreement is not valid, all other  20. Other Provisions. If any part of this Agreement is not valid, all other  apply for credit in your own name. Under California law our rights to  apply for credit in your own name. Under California law our rights to  apply for credit in your own name. Under California law our rights to  apply for credit in your own name. Under California law our rights to  amount you think is wrong. To stop the payment, your letter must reach  amount you think is wrong. To stop the payment, your letter must reach  amount you think is wrong. To stop the payment, your letter must reach  amount you think is wrong. To stop the payment, your letter must reach 
  parts will remain enforceable. parts will remain enforceable. parts will remain enforceable. parts will remain enforceable. recover credit extended to you for credit card purchases is subject to  recover credit extended to you for credit card purchases is subject to  recover credit extended to you for credit card purchases is subject to  recover credit extended to you for credit card purchases is subject to  If you do not agree to the Security Interest pledge, please cut up  If you do not agree to the Security Interest pledge, please cut up  If you do not agree to the Security Interest pledge, please cut up  If you do not agree to the Security Interest pledge, please cut up 
                                                                      us three business days before the automatic payment is scheduled to  us three business days before the automatic payment is scheduled to  us three business days before the automatic payment is scheduled to  us three business days before the automatic payment is scheduled to 
                                                                                                        the enclosed card(s) and return to: Card Service, Wings Financial  the enclosed card(s) and return to: Card Service, Wings Financial  the enclosed card(s) and return to: Card Service, Wings Financial  the enclosed card(s) and return to: Card Service, Wings Financial 
  21. Automatic Payment Option. If you have requested the Automatic  21. Automatic Payment Option. If you have requested the Automatic  21. Automatic Payment Option. If you have requested the Automatic  21. Automatic Payment Option. If you have requested the Automatic  any defenses that you have against the seller if: (1) the purchase price  any defenses that you have against the seller if: (1) the purchase price  any defenses that you have against the seller if: (1) the purchase price  any defenses that you have against the seller if: (1) the purchase price  occur. occur. occur. occur.
  Payment option, all Minimum Payments due will automatically be  Payment option, all Minimum Payments due will automatically be  Payment option, all Minimum Payments due will automatically be  Payment option, all Minimum Payments due will automatically be  of the item in question exceeded $50; (2) the purchase was made in  of the item in question exceeded $50; (2) the purchase was made in  of the item in question exceeded $50; (2) the purchase was made in  of the item in question exceeded $50; (2) the purchase was made in  Credit Union, 14985 Glazier Avenue, Apple Valley, MN 55124 Credit Union, 14985 Glazier Avenue, Apple Valley, MN 55124 Credit Union, 14985 Glazier Avenue, Apple Valley, MN 55124 Credit Union, 14985 Glazier Avenue, Apple Valley, MN 55124
                                                                      Your rights and our responsibilities after we receive your  Your rights and our responsibilities after we receive your  Your rights and our responsibilities after we receive your  Your rights and our responsibilities after we receive your 
  deducted from your designated share savings or checking account   deducted from your designated share savings or checking account   deducted from your designated share savings or checking account   deducted from your designated share savings or checking account   California; (3) you made a written demand on the retailer and made a  California; (3) you made a written demand on the retailer and made a  California; (3) you made a written demand on the retailer and made a  California; (3) you made a written demand on the retailer and made a 
                                                                      written notice. written notice. written notice. written notice.
  balance on any payment due date. If your account does not contain   balance on any payment due date. If your account does not contain   balance on any payment due date. If your account does not contain   balance on any payment due date. If your account does not contain   good faith attempt to get satisfaction of your complaint; (4) you notify  good faith attempt to get satisfaction of your complaint; (4) you notify  good faith attempt to get satisfaction of your complaint; (4) you notify  good faith attempt to get satisfaction of your complaint; (4) you notify 
                                    us in writing of the name of the seller, the date of purchase, the price  us in writing of the name of the seller, the date of purchase, the price  us in writing of the name of the seller, the date of purchase, the price  us in writing of the name of the seller, the date of purchase, the price  We must acknowledge your letter within 30 days, unless we have   We must acknowledge your letter within 30 days, unless we have   We must acknowledge your letter within 30 days, unless we have   We must acknowledge your letter within 30 days, unless we have  
  sufficient funds on the payment due date, no automatic deduction will  sufficient funds on the payment due date, no automatic deduction will  sufficient funds on the payment due date, no automatic deduction will  sufficient funds on the payment due date, no automatic deduction will 
  be made and you will be assessed a service charge up to $25. be made and you will be assessed a service charge up to $25. be made and you will be assessed a service charge up to $25. be made and you will be assessed a service charge up to $25. paid, the goods or services purchased, the nature of your defense,  paid, the goods or services purchased, the nature of your defense,  paid, the goods or services purchased, the nature of your defense,  paid, the goods or services purchased, the nature of your defense,  corrected the error by then. Within 90 days, we must either correct the   corrected the error by then. Within 90 days, we must either correct the   corrected the error by then. Within 90 days, we must either correct the   corrected the error by then. Within 90 days, we must either correct the  
                                    and the acts which you took to obtain satisfaction from the seller.   and the acts which you took to obtain satisfaction from the seller.   and the acts which you took to obtain satisfaction from the seller.   and the acts which you took to obtain satisfaction from the seller.   error or explain why we believe the statement was correct.  error or explain why we believe the statement was correct.  error or explain why we believe the statement was correct.  error or explain why we believe the statement was correct. 
  22. Copy Received. You acknowledge receipt of a copy of this   22. Copy Received. You acknowledge receipt of a copy of this   22. Copy Received. You acknowledge receipt of a copy of this   22. Copy Received. You acknowledge receipt of a copy of this  
                                    The amount to which the defense applies is limited to the amount   The amount to which the defense applies is limited to the amount   The amount to which the defense applies is limited to the amount   The amount to which the defense applies is limited to the amount  
  Agreement. Agreement. Agreement. Agreement.                         After we receive your letter, we cannot try to collect any amount you   After we receive your letter, we cannot try to collect any amount you   After we receive your letter, we cannot try to collect any amount you   After we receive your letter, we cannot try to collect any amount you  
                                    outstanding on the purchase as well as late charges and Finance  outstanding on the purchase as well as late charges and Finance  outstanding on the purchase as well as late charges and Finance  outstanding on the purchase as well as late charges and Finance  question or report as delinquent. We can continue to bill you for the  question or report as delinquent. We can continue to bill you for the  question or report as delinquent. We can continue to bill you for the  question or report as delinquent. We can continue to bill you for the 
  23. Signature Authorized. By accepting this Agreement, you authorize  23. Signature Authorized. By accepting this Agreement, you authorize  23. Signature Authorized. By accepting this Agreement, you authorize  23. Signature Authorized. By accepting this Agreement, you authorize  Charges at the time the written demand is received by you. This   Charges at the time the written demand is received by you. This   Charges at the time the written demand is received by you. This   Charges at the time the written demand is received by you. This   amount you question, including the finance charge, and we can apply   amount you question, including the finance charge, and we can apply   amount you question, including the finance charge, and we can apply   amount you question, including the finance charge, and we can apply  
  any of our offices to sign on your behalf a copy of this Agreement, as  any of our offices to sign on your behalf a copy of this Agreement, as  any of our offices to sign on your behalf a copy of this Agreement, as  any of our offices to sign on your behalf a copy of this Agreement, as  remedy is the only one you have against us. Your rights are limited to  remedy is the only one you have against us. Your rights are limited to  remedy is the only one you have against us. Your rights are limited to  remedy is the only one you have against us. Your rights are limited to  any unpaid amount against your credit limit. You do not have to pay  any unpaid amount against your credit limit. You do not have to pay  any unpaid amount against your credit limit. You do not have to pay  any unpaid amount against your credit limit. You do not have to pay 
  amended or supplemented from time to time, if your signature on a  amended or supplemented from time to time, if your signature on a  amended or supplemented from time to time, if your signature on a  amended or supplemented from time to time, if your signature on a  those circumstances outlined in California Civil Code Section 1747.90.  those circumstances outlined in California Civil Code Section 1747.90.  those circumstances outlined in California Civil Code Section 1747.90.  those circumstances outlined in California Civil Code Section 1747.90.  any questioned amount, while we are investigating, but you are still   any questioned amount, while we are investigating, but you are still   any questioned amount, while we are investigating, but you are still   any questioned amount, while we are investigating, but you are still  
  copy of this Agreement is required by law. copy of this Agreement is required by law. copy of this Agreement is required by law. copy of this Agreement is required by law. Purchases with cash or check are not included in this section even  Purchases with cash or check are not included in this section even  Purchases with cash or check are not included in this section even  Purchases with cash or check are not included in this section even  obligated to pay the parts of your bill that are not in question.  obligated to pay the parts of your bill that are not in question.  obligated to pay the parts of your bill that are not in question.  obligated to pay the parts of your bill that are not in question. 
  24. ATM Security. Do not write your PIN on your card or keep your PIN  24. ATM Security. Do not write your PIN on your card or keep your PIN  24. ATM Security. Do not write your PIN on your card or keep your PIN  24. ATM Security. Do not write your PIN on your card or keep your PIN  though you used your credit card to validate your credit. We cannot  though you used your credit card to validate your credit. We cannot  though you used your credit card to validate your credit. We cannot  though you used your credit card to validate your credit. We cannot 
                                                                      If we find that we made a mistake on your bill, you will not have to pay  If we find that we made a mistake on your bill, you will not have to pay  If we find that we made a mistake on your bill, you will not have to pay  If we find that we made a mistake on your bill, you will not have to pay 
  in your purse or wallet or anywhere else where someone might find  in your purse or wallet or anywhere else where someone might find  in your purse or wallet or anywhere else where someone might find  in your purse or wallet or anywhere else where someone might find  penalize you by either giving out unfavorable credit information  penalize you by either giving out unfavorable credit information  penalize you by either giving out unfavorable credit information  penalize you by either giving out unfavorable credit information 
                                                                      any finance charge related to the questioned amount. If we didn�t make  any finance charge related to the questioned amount. If we didn�t make  any finance charge related to the questioned amount. If we didn�t make  any finance charge related to the questioned amount. If we didn�t make 
  it and associate it with your card. Do not use an ATM machine unless  it and associate it with your card. Do not use an ATM machine unless  it and associate it with your card. Do not use an ATM machine unless  it and associate it with your card. Do not use an ATM machine unless  about you or canceling or refusing to renew your credit card solely  about you or canceling or refusing to renew your credit card solely  about you or canceling or refusing to renew your credit card solely  about you or canceling or refusing to renew your credit card solely 
                                                                      a mistake, you may have to pay the finance charge, and you will have  a mistake, you may have to pay the finance charge, and you will have  a mistake, you may have to pay the finance charge, and you will have  a mistake, you may have to pay the finance charge, and you will have 
  it appears safe to do so. Do not key in your PIN if someone is looking.  it appears safe to do so. Do not key in your PIN if someone is looking.  it appears safe to do so. Do not key in your PIN if someone is looking.  it appears safe to do so. Do not key in your PIN if someone is looking.  because you obtained relief under the remedies you have for   because you obtained relief under the remedies you have for   because you obtained relief under the remedies you have for   because you obtained relief under the remedies you have for  
                                                                      to make up any missed payments on the questioned amount. In either  to make up any missed payments on the questioned amount. In either  to make up any missed payments on the questioned amount. In either  to make up any missed payments on the questioned amount. In either 
  Be sure you take your card and receipt when you are done. Put your  Be sure you take your card and receipt when you are done. Put your  Be sure you take your card and receipt when you are done. Put your  Be sure you take your card and receipt when you are done. Put your  correcting billing errors. correcting billing errors. correcting billing errors. correcting billing errors.
                                                                      case, we will send you a statement of the amount you owe and the date  case, we will send you a statement of the amount you owe and the date  case, we will send you a statement of the amount you owe and the date  case, we will send you a statement of the amount you owe and the date 
  money away quickly and leave the site. money away quickly and leave the site. money away quickly and leave the site. money away quickly and leave the site. 8.5�
                                                                      that it is due.  that it is due.  that it is due.  that it is due. 
  25. Legal Use of Account. Cards issued may be used for any  25. Legal Use of Account. Cards issued may be used for any  25. Legal Use of Account. Cards issued may be used for any  25. Legal Use of Account. Cards issued may be used for any 
                                                                      If you fail to pay the amount that we think you owe, we may report   If you fail to pay the amount that we think you owe, we may report   If you fail to pay the amount that we think you owe, we may report   If you fail to pay the amount that we think you owe, we may report  
  transaction permitted by law. You agree that illegal use of the card   transaction permitted by law. You agree that illegal use of the card   transaction permitted by law. You agree that illegal use of the card   transaction permitted by law. You agree that illegal use of the card  
                                                                      you as in default. However, if our explanation does not satisfy you and  you as in default. However, if our explanation does not satisfy you and  you as in default. However, if our explanation does not satisfy you and  you as in default. However, if our explanation does not satisfy you and 
  will be deemed as an action of default and/or breach of contract  will be deemed as an action of default and/or breach of contract  will be deemed as an action of default and/or breach of contract  will be deemed as an action of default and/or breach of contract 
                                                                      you write to us within ten days telling us that you still refuse to pay,   you write to us within ten days telling us that you still refuse to pay,   you write to us within ten days telling us that you still refuse to pay,   you write to us within ten days telling us that you still refuse to pay,  
  and the card may be terminated at the credit union�s discretion. You  and the card may be terminated at the credit union�s discretion. You  and the card may be terminated at the credit union�s discretion. You  and the card may be terminated at the credit union�s discretion. You 
                                                                      we must tell anyone that we report you to that you have a question  we must tell anyone that we report you to that you have a question  we must tell anyone that we report you to that you have a question  we must tell anyone that we report you to that you have a question 
   further agree, should illegal use occur, to waive the right to sue the   further agree, should illegal use occur, to waive the right to sue the   further agree, should illegal use occur, to waive the right to sue the   further agree, should illegal use occur, to waive the right to sue the 
                                                                      on your bill. And we must also tell anyone we report you to that the  on your bill. And we must also tell anyone we report you to that the  on your bill. And we must also tell anyone we report you to that the  on your bill. And we must also tell anyone we report you to that the 
  credit union for such illegal activity directly or indirectly related to it  credit union for such illegal activity directly or indirectly related to it  credit union for such illegal activity directly or indirectly related to it  credit union for such illegal activity directly or indirectly related to it 
                                                                      matter has been settled between us when it is finally settled. matter has been settled between us when it is finally settled. matter has been settled between us when it is finally settled. matter has been settled between us when it is finally settled.
  and hold the credit union harmless from any suits or other legal action  and hold the credit union harmless from any suits or other legal action  and hold the credit union harmless from any suits or other legal action  and hold the credit union harmless from any suits or other legal action 
  or liability, directly or indirectly, resulting from such illegal use. or liability, directly or indirectly, resulting from such illegal use. or liability, directly or indirectly, resulting from such illegal use. or liability, directly or indirectly, resulting from such illegal use.
                 3.5�                               3.5�                               3.5�                               3.5�