©CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved16300736-MXC30-C-1-050621 (MXC304-E)CONSUMERCREDITCARDAGREEMENTANDDISCLOSUREVISAThisConsumerCreditCardAgreementandDisclosuretogetherwiththeAccountOpeningDisclosureandanyotherAccountopeningdocumentsoranysubsequentdocumentsprovidedtoYourelatedtothisAccount(hereinaftercollectivelyreferredtoas“Agreement”)governthetermsandconditionsofthisAccount.“We,”“Us,”“Our”and“Ours”and“CreditUnion”referstoHFSFederalCreditUnionwithwhichthisAgreementismade.“You,”“Your,”and“Yours”referstoeachapplicantandco-applicantfortheAccount;anypersonresponsibleforpayingtheAccount;andanyoneYouauthorizetouse,accessorservicetheAccount."Card"meanstheVisa®creditcardandanyotheraccessdevices,duplicates,renewals,orsubstitutions,includingconveniencechecks,theCreditUnionissuestoYou."Account"meansthe line of credit established by this Agreement and includes Your Card.SECURITY INTERESTYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rightsthe Credit Union may have in any goods You purchase.If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shareswill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Accountuntil the Credit Union agrees to release all or part of the pledged amount.You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us nowand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account thatwould lose special tax treatment under state or federal law if given as security are not subject to the securityinterest You have given in Your shares and deposits. You may withdraw these other shares unless You are indefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to payany or all of the unpaid balance.Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Unionmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstandinganything to the contrary in any other Agreement.1.USINGYOURACCOUNT—ByusingtheAccountorkeepingtheCard,YouagreetothetermsofthisAgreement.YouagreetouseYourAccountinaccordancewiththisAgreement.YourAccountmustonlybeusedforlawfultransactions.2.CREDITLIMIT—WemayestablishacreditlimitaspartofthisAgreement,whichYoupromisenottoexceed.IfYouexceedthecreditlimit,Youpromisetorepayimmediatelytheamountwhichexceedsthecreditlimit,includingamountsduetofinancecharges,feesorothercharges.YoumayrequestacreditlimitincreaseonYourAccountonlybyamethodacceptabletotheCreditUnion.WemayincreaseordecreaseYourcreditlimit,refusetomakeanadvanceand/orterminate Your Account at any time for any reason permitted by law.3.CONVENIENCECHECKS—Wemay,fromtimetotime,issueconveniencecheckstoYouthatmaybedrawnonYourAccount.ConveniencechecksmaynotbeusedtomakeapaymentonYourAccount.IfYouuseaconveniencecheck,itwillbepostedtoYourAccountasacashadvance.WereservetherighttorefusetopayaconveniencecheckdrawnonYourAccountforanyreasonandsuchrefusalshallnotconstitutewrongfuldishonor.YoumayrequestthatWestopthepaymentofaconveniencecheckdrawnonYourAccount.YouagreetopayanyfeeasidentifiedinthisAgreementimposedtostopapaymentonaconveniencecheckissuedonYourAccount.Youmaymakeastoppaymentrequestorally,ifpermitted,orinwriting.YourrequestmustbemadewithsufficienttimeinadvanceofthepresentmentofthecheckforpaymenttogiveUsareasonableopportunitytoactonYourrequest.Inaddition,YourrequestmustaccuratelydescribethecheckincludingtheexactAccountnumber,thepayee,anychecknumberthatmaybeapplicable,andtheexactamountofthecheck.Ifpermitted,Youmaymakeastoppaymentrequestorallybutsucharequestwillexpireafter14daysunlessYouconfirmYourrequestinwritingwithinthattime.WrittenstoppaymentordersareeffectivePage2 of616300736-MXC30-C-1-050621 (MXC304-E)onlyforsixmonthsandmayberenewedforadditionalsixmonthperiodsbyrequestinginwritingthatthestoppaymentorder be renewed.We are not required to notifyYou when a stop payment order expires.IfWere-creditYourAccountafterpayingacheckoveravalidandtimelystoppaymentorder,Youagreetosignastatementdescribingthedisputewiththepayee,toassigntoUsallofYourrightsagainstthepayeeorotherholdersofthe check and to assistUs in any legal action.YouagreetoindemnifyandholdUsharmlessfromallcostsandexpenses,includingattorney'sfees,damages,orclaims,relatedtoOurhonoringYourstoppaymentrequestorinfailingtostoppaymentofanitemasaresultofincorrectinformationprovidedtoUsorthegivingofinadequatetimetoactuponastoppaymentrequest.Note:AconveniencecheckisnotacheckasthattermisdefinedundertheUniformCommercialCode.ItisanadvancefromYourcreditcardAccount with Us and Your stop payment rights are provided under this Agreement with Us.4.REPAYMENT—YoupromisetorepayallamountsYouoweunderthisAgreement.YourpromisetorepayincludesalltransactionsmadetoYourAccountbyYouoranyoneYouauthorizetouseYourAccountaswellasallinterestcharges and fees.For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.TheMinimumPaymentDueis2.00%ofYourtotalNewBalance,or$35.00,whicheverisgreater,plusanyamountpastdueandanyamountbywhichYouhaveexceededYourapplicablecreditlimit.IfYourtotalNewBalanceislessthan$35.00,then Your Minimum Payment Due is the amount of the total New Balance.You may pay more frequently, pay more than theMinimum Payment Due or pay the total New Balance in full.IfYoumakeextraorlargerpayments,YouarestillrequiredtomakeatleasttheMinimumPaymentDueeachmonthYourAccounthasabalance(otherthanacreditbalance).TheCreditUnionmaydelayreplenishingYourcreditlimituntilthedate the payment is posted or the Credit Union confirms the payment has cleared.Unlessotherwiserequiredbylaw,paymentswillbeappliedinthefollowingorder:(a)feesandcharges;(b)interest;(c)principal.IfYoumakeapaymentinexcessoftherequiredMinimumPaymentDue,theCreditUnionwillallocatetheexcessamountfirsttothebalancewiththehighestannualpercentagerate(“APR”)andanyremainingportiontotheotherbalancesindescendingorderbasedonapplicableAPR,unlessotherwiseprescribedbyapplicablelaw.Wemayacceptchecksmarked"paymentinfull"orwithwordsofsimilareffectwithoutlosinganyofOurrightstocollectthefullbalanceofYour Account with Us.5.INTERESTANDFINANCECHARGES—WewillbeginchargingYouinterestonpurchasesonthedatethetransactionispostedtoYourAccount.WewillbeginchargingYouinterestoncashadvancesandbalancetransfersonthedateofthetransactionorthefirstdayofthebillingcycleinwhichthetransactionispostedtoYourAccount,whicheverislater(transactiondate).However,WewillnotchargeYouanyinterestonnewpurchasesifYourAccounthadazeroorcreditbalanceatthebeginningofthatbillingcycle,orYoupaidtheentirenewbalanceonthepreviouscycle'sbillingstatementbythePaymentDueDateofthatstatement.Toavoidanadditionalfinancechargeonthebalanceofpurchases, You must pay the entire new balance on the billing statement by thePayment Due Date of that statement.How We Calculate Your Balance:InterestchargesonYourAccountarecalculatedseparatelyforpurchases,balancetransfersandcashadvances(“TransactionType”).WefiguretheinterestchargeforeachTransactionTypebyapplyingtheperiodicratetoeachcorresponding“averagedailybalance.”Togetthe“averagedailybalance”foraTransactionTypeWetakethebeginningbalanceforthatTransactionTypeeachday,addanynewtransactionsofthattype,andsubtractanyunpaidinterestorotherfinancechargesandanyapplicablepaymentsorcredits.ThisgivesUsthedailybalanceforeachTransactionType.Then,foreachTransactionType,Weaddupallthedailybalancesforthebillingcycleanddivideeachtotalbythenumber of days in the billing cycle. This gives Us the “average daily balance” for each Transaction Type.6.FEES—Inadditiontotheperiodicrate,additionalfeesmaybeimposedonYourAccount.IfapplicabletoYourAccount,thefeeamountsandexplanationsaredisclosedontheAccountOpeningDisclosureaccompanyingthisAgreement.7.FOREIGNTRANSACTIONS—PurchasesandcashadvancesmadeinforeigncurrencieswillbedebitedfromYourAccountinU.S.dollars.TheexchangeratebetweenthetransactioncurrencyandthebillingcurrencyusedforprocessinginternationaltransactionsisarateselectedbyVisafromarangeofratesavailableinwholesalecurrencymarketsforthetransactiondate,whichratemayvaryfromtherateVisaitselfreceives,ortheratemandatedbythegovernmentorgoverningbodyineffectfortheapplicabletransactiondate.Theexchangerateusedonthetransactiondatemaydifferfrom the rate that would have been used on the processing date or cardholder statement posting date.8.AUTHORIZATIONS—Wedonotguaranteeauthorizationofatransaction,eitherbyUsorbyathirdparty,evenifYouhavesufficientcreditavailable.YouagreethatWewillnotbeliableforfailingtogiveanauthorization.Wealsoreservetherighttolimitthenumberoftransactionsthatmaybeapprovedinoneday.WereservetherighttodenycertaintransactionsforanyreasonandatOursolediscretion,includingfordefault,suspectedfraudulentorunlawfulactivity,internetgamblingoranyindicationofincreasedriskrelatedtothetransactionortheAccount.YouagreethatWehavenorequirementtonotifyYouofthespecificreasonWedeniedatransaction.IfWedetectunusualorsuspiciousactivity,Wemay suspendYour credit privileges untilWe can verify the activity, orWe may close theAccount.Page3 of616300736-MXC30-C-1-050621 (MXC304-E)9.INFORMATIONUPDATINGSERVICEANDAUTHORIZATIONS—IfYouhaveauthorizedamerchanttobillchargestoYourCardonarecurringbasis,itisYourresponsibilitytonotifythemerchantintheeventYourCardisreplaced,YourAccountinformation(suchasCardnumberorexpirationdate)changes,orYourAccountisclosed.However,ifYourCardisreplacedorYourAccountinformationchanges,YouauthorizeUs,withoutobligationonOurpart,toprovidetheupdatedAccountinformationtothemerchantinordertopermitthemerchanttobillrecurringchargestoYourCard.YouauthorizeUstoapplysuchrecurringchargestoYourCarduntilYounotifyUsthatYouhaverevokedauthorizationforthechargesto Your Card.YourCardisautomaticallyenrolledinaninformationupdatingservice.Throughthisservice,YourupdatedAccountinformation(suchasCardnumberorexpirationdate)maybesharedwithparticipatingmerchantstofacilitatecontinuedrecurringcharges.UpdatesarenotguaranteedbeforeYournextpaymenttoamerchantisdue.Youareresponsibleformakingdirectpaymentuntilrecurringchargesresume.TorevokeYourauthorizationallowingUstoprovideupdatedAccount information to a merchant, please contact Us.10.PREAUTHORIZEDCHARGES—Wemaysuspendpreauthorizedrecurringchargeswithmerchantsif,forexample,YourCardislostorstolen,Youdefault,orWechangeYourAccountforanyreason.Ifpreauthorizedrecurringchargesaresuspended,YouareresponsibleformakingdirectpaymentforsuchchargesuntilYoucontactthemerchanttoreinstate recurring charges.11.DEFAULT—YouwillbeindefaultunderthisAgreementifYoufailtopaytheMinimumPaymentDuebyitsPaymentDueDate;paybyacheckorsimilarinstrumentthatisnothonoredorthatWemustreturnbecauseitcannotbeprocessed;paybyautomaticdebitthatisreturnedunpaid;makeanyfalseormisleadingstatementsinanycreditapplicationorcreditupdate;fileforbankruptcy;ordie.YouwillalsobeindefaultifYoufailtocomplywiththetermsofthisAgreement or any other Agreement You have with Us.IfYoudefault,WemaycloseYourAccountandrequireYoutopayanyunpaidbalanceimmediately,subjecttoapplicablelaw.InthisAgreementandonYourCreditCardApplication,YougaveUsasecurityinterestinallindividualorjointshareand/ordepositaccountswiththeCreditUnionandauthorizedUs,ifYoudefaulted,toapplythebalanceintheseaccountstoanyamountsdue.YouagreeWemayrelyonYouragreementandauthorizationto,uponYourdefault,applyanybalance to any amounts due on Your Account.12.LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION —VisaPlatinum-IfYounoticethelossortheftofYourcreditcardorapossibleunauthorizeduseofYourCard,YoushouldwritetoUsimmediatelyatPOBox31281,Tampa,FL,33631-3281orcallUsat(866)604-8153orforInternationalcallsuse: (727) 299-2449, seven days a week 24 hours a day.VisaSignature-IfYounoticethelossortheftofYourcreditcardorapossibleunauthorizeduseofYourCard,YoushouldwritetoUsimmediatelyatPOBox31281,Tampa,FL,33631-3281orcallUsat(866)604-8139orforInternationalcalls use: (727) 299-2449, seven days a week 24 hours a day.YouwillnotbeliableforanyunauthorizedusethatoccursafterYounotifyUs.Youmay,however,beliableforunauthorizedusethatoccursbeforeYournoticetoUs.YouwillhavenoliabilityforunauthorizeduseunlessYouarefoundtobefraudulentornegligentinthehandlingofYourAccountorCard.Inanycase,Yourliabilityforunauthorizedtransactions will not exceed $50.13.CHANGINGORTERMINATINGYOURACCOUNT—Aspermittedbylaw,theCreditUnionmaychangethetermsofthisAgreementandanyattachedDisclosurefromtimetotime.Noticeofanychangewillbegiveninaccordancewithapplicablelaw.Totheextentpermittedbylaw,changestotheAgreementmayapplytoYourexistingaccountbalanceaswell as to future transactions.Arizona,California,Idaho,Louisiana,NewMexico,Nevada,Texas,Washington,andWisconsinResidents-EitherYou,YourspouseortheCreditUnionmayterminatethisAgreementatanytime,butterminationbyYou,YourspouseortheCreditUnionwillnotaffectYourobligationtopaytheaccountbalanceplusanyfinanceandotherchargesYouorYourspouseoweunderthisAgreement.YourobligationtopaytheaccountbalanceplusanyfinanceandotherchargesYouoweunderthisagreementaresubjecttoallapplicablelawsandregulationsregardingrepaymentrequirements.TheCardorCardsYoureceiveremainthepropertyoftheCreditUnionandYoumustrecoverandsurrendertotheCreditUnionallCards upon request or upon termination of this Agreement whether by You or the Credit Union.Residentsofallotherstates-EitherYouortheCreditUnionmayterminatethisAgreementatanytime,butterminationbyYouortheCreditUnionwillnotaffectYourobligationtopaytheaccountbalanceplusanyfinanceandotherchargesYouoweunderthisAgreement.YourobligationtopaytheaccountbalanceplusanyfinanceandotherchargesYouoweunderthisagreementaresubjecttoallapplicablelawsandregulationsregardingrepaymentrequirements.TheCardorCardsYoureceiveremainthepropertyoftheCreditUnionandYoumustrecoverandsurrendertotheCreditUnionallCards upon request or upon termination of this Agreement whether by You or the Credit Union.14.AUTHORIZEDUSERS—UponYourrequest,WemayissueadditionalCardsforauthorizedusersthatYoudesignate.YoumustnotifyUsinwritingofanyterminationofanauthorizeduser'srighttoaccessYourAccount.YournoticemustincludethenameoftheauthorizeduserandYourAccountnumberand/oranysubaccountnumberissuedtotheauthorizeduseralongwiththeauthorizeduser'sCardandanyconvenienceorotheraccesschecksissuedtothePage4 of616300736-MXC30-C-1-050621 (MXC304-E)authorizeduser.IfYoucannotreturntheauthorizeduser'sCardoraccesschecksandifYourequestYourAccounttobeclosed,WewillcloseYourAccountandYoumayapplyforanewAccount.Alternatively,Wemay,atOursolediscretion,issue You a new Account number and a new Card.15.CREDITREPORTS—YouauthorizetheCreditUniontoobtaincreditreportsandanyotherinformationWemayneedtoverifyYouridentityanduseoftheAccountwhenopeningYourAccountandforanyupdate,increase,renewal,extension,collection,orreviewofYourAccount.YouauthorizetheCreditUniontodiscloseinformationregardingYourAccount to credit bureaus and creditors who inquire about Your credit standing.16.JOINTACCOUNTS—IfthisisajointAccount,eachofYouwillbeindividuallyandjointlyresponsibleforpayingallamountsowedunderthisAgreement.ThismeansthattheCreditUnioncanrequireanyoneofYouindividuallytorepaytheentireamountowedunderthisAgreement.EachofYouauthorizestheother(s)tomaketransactionsontheAccountindividually. Any one ofYou may terminate theAccount and the termination will be effective as to all ofYou.17.EFFECTOFAGREEMENT—ThisAgreementisthecontractwhichappliestoalltransactionsonYourAccounteventhough the sales, cash advances, credit or other slipsYou sign or receive may contain different terms.18.SEVERABILITYANDFINALEXPRESSION—ThisAgreementisthefinalexpressionofthetermsandconditionsofYourAccount.ThiswrittenAgreementmaynotbecontradictedbyevidenceofanyallegedoralAgreement.ShouldanypartofthisAgreementbefoundtobeinvalidorunenforceable,allotherpartsofthisAgreementshallremainineffectandfully enforceable to the fullest extent possible under thisAgreement.19.ILLEGALTRANSACTIONSPROHIBITED—YouagreethatYouwillnotuseYourCardforanytransaction,includinganytype of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.EvenifYouuseYourCardforanillegaltransaction,Youwillberesponsibleforallamountsandchargesincurredinconnectionwiththetransaction.Thisparagraphshallnotbeinterpretedaspermittingorauthorizinganytransactionthatisillegal.20.APPLICABLELAW—ThetermsandenforcementofthisAgreementshallbegovernedbyfederallawandthelawofHawaii.21.ENFORCINGTHISAGREEMENT—WecandelayinenforcingorfailtoenforceanyofOurrightsunderthisAgreement without losing them.22.COLLECTIONCOSTS—IfWerefercollectionofYourAccounttoalawyerwhoisnotOursalariedemployee,Youareliableforanyreasonableattorney’sfeesWeincur,plusthecostsandexpensesofanylegalaction,asfurtherdisclosed on this Agreement, or to the extent allowed by law.23.ASSIGNMENT—We may assign any or all ofOur rights and obligations under thisAgreement to a third party.24.CUREWARDSPROGRAM®—ByestablishingYourcreditcardAccount,YouwillbeautomaticallyenrolledintheCURewardsprogram,whichallowsqualifiedparticipantstoearnpointsforrewards.ToredeemYourCURewardspointsYouwillneedtoregisterfortheCURewardsprogram.FormoreinformationontheCURewardsprogramYoumayviewthetermsandconditionsathttps://www.curewards.comoryoumaycontactHFSFederalCreditUnionat(808)930-1400or toll free at (800) 216-2666.25.CALIFORNIARESIDENTS—AmarriedapplicantmayapplyforaseparateAccount.Applicants:1)may,aftercreditapproval,usethecreditcardAccountuptoitscreditlimit;2)maybeliableforamountsextendedundertheplantoanyjointapplicant.Asrequiredbylaw,YouareherebynotifiedthatanegativecreditreportreflectingonYourcreditrecordmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.26.FLORIDARESIDENTS—You(borrower)agreethat,shouldWeobtainajudgmentagainstYou,aportionofYourdisposableearningsmaybeattachedorgarnished(paidtoUsbyYouremployer),asprovidedbyFloridaand Federal law.27.MARYLAND RESIDENTS—To the extent, if any, that Maryland law applies to Your Account, We elect to offer YourCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.28.MISSOURIRESIDENTS—OralAgreementsorcommitmentstoloanmoney,extendcreditortoforbearfromenforcingrepaymentofadebtincludingpromisestoextendorrenewsuchdebtarenotenforceable.ToprotectYou(borrower(s))andUs(creditor)frommisunderstandingordisappointment,anyAgreementsWereachcoveringsuchmattersarecontainedinthiswriting,whichisthecompleteandexclusivestatementoftheAgreement between Us, except as We may later agree in writing to modify it.29.NEWYORKRESIDENTS—WemayobtainacreditreportinconnectionwiththisAccount,includingforanyreview,modification,renewalorcollectionsassociatedwiththisAccount.UponYourrequest,Youwillbeinformedwhethersuchreportwasrequestedand,ifso,thenameandaddressoftheconsumerreportingagencyfurnishingthereport.NewYorkresidentsmaycontacttheNewYorkStateDepartmentofFinancialServicesat800.342.3736orwww.dfs.ny.govtoobtaina comparative listing of credit card rates, fees and grace periods.30.OHIORESIDENTS—TheOhiolawsagainstdiscriminationrequirethatallcreditorsmakecreditequallyavailabletoallcreditworthycustomersandthatcreditreportingagenciesmaintainseparatecredithistoriesoneachindividualuponrequest. The Ohio Civil Rights Commission administers compliance with this law.Page5 of616300736-MXC30-C-1-050621 (MXC304-E)31.SOUTHDAKOTARESIDENTS—IfYoubelievetherehavebeenanyimproprietiesinmakingthisloanorinthelender’sloanpractices,YoumaycontacttheSouthDakotaDivisionofBankingat1601N.HarrisonAve,Suite1,Pierre,SD 57501, or by phone at 605.773.3421.32.WISCONSINRESIDENTS—IfYouaremarried,pleasecontactUsimmediatelyuponreceiptofthisAgreementattheaddressorphonenumberlistedonthisAgreementandprovideUswiththenameandaddressofYourspouse.Wearerequired to inform Your spouse that We have opened an Account for You.33.NOTICETOUTAHBORROWERS—ThiswrittenAgreementisafinalexpressionoftheAgreementbetweenYouandtheCreditUnion.ThiswrittenAgreementmaynotbecontradictedbyevidenceofanyoralAgreement.Asrequiredbylaw,YouareherebynotifiedthatanegativecreditreportreflectingonYourcreditrecordmaybesubmittedtoacreditreporting agency if You fail to fulfill the terms of Your credit obligations.34.THEFOLLOWINGISREQUIREDBYVERMONTLAW—NOTICETOCO-SIGNER—YOURSIGNATUREONTHISNOTEMEANSTHATYOUAREEQUALLYLIABLEFORREPAYMENTOFTHISLOAN.IFTHEBORROWERDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.Page6 of616300736-MXC30-C-1-050621 (MXC304-E)Your Billing Rights: Keep this Document for Future UseThis notice tellsYou aboutYour rights andOur responsibilities under the Fair Credit Billing Act.What To Do If You Find A Mistake On Your StatementIfYou think there is an error onYour statement, write toUs at the address listed onYour statement.InYour letter, giveUs the following information:-Account information: Your name andAccount number.-Dollar amount: The dollar amount of the suspected error.-Descriptionofproblem:IfYouthinkthereisanerroronYourbill,describewhatYoubelieveiswrongandwhyYoubelieve it is a mistake.You must contactUs:-Within 60 days after the error appeared onYour statement.-Atleastthreebusinessdaysbeforeanautomatedpaymentisscheduled,ifYouwanttostoppaymentontheamountYou think is wrong.YoumustnotifyUsofanypotentialerrorsinwritingorelectronically.YoumaycallUs,butifYoudoWearenotrequiredto investigate any potential errors andYou may have to pay the amount in question.What Will Happen After We Receive Your LetterWhenWe receiveYour letter,We must do two things:1.Within30daysofreceivingYourletter,WemusttellYouthatWereceivedYourletter.WewillalsotellYouifWehavealready corrected the error.2.Within90daysofreceivingYourletter,WemusteithercorrecttheerrororexplaintoYouwhyWebelievethebilliscorrect.WhileWe investigate whether or not there has been an error:-We cannot try to collect the amount in question, or reportYou as delinquent on that amount.-The charge in question may remain onYour statement, andWe may continue to chargeYou interest on that amount.-WhileYou do not have to pay the amount in question,You are responsible for the remainder ofYour balance.-Wecan apply any unpaid amount againstYour credit limit.AfterWe finishOur investigation, one of two things will happen:-IfWemadeamistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedtothatamount.-IfWedonotbelievetherewasamistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestandfees.WewillsendYouastatementoftheamountYouoweandthedatepaymentisdue.WemaythenreportYou as delinquent ifYou do not pay the amountWe thinkYou owe.IfYoureceiveOurexplanationbutstillbelieveYourbilliswrong,YoumustwritetoUswithin10daystellingUsthatYoustillrefusetopay.IfYoudoso,WecannotreportYouasdelinquentwithoutalsoreportingthatYouarequestioningYourbill.WemusttellYouthenameofanyonetowhomWereportedYouasdelinquent,andWemustletthoseorganizationsknow when the matter has been settled betweenUs.IfWedonotfollowalloftherulesabove,Youdonothavetopaythefirst$50oftheamountYouquestionevenifYourbillis correct.Your Rights if You Are Dissatisfied With Your Credit Card PurchasesIfYouaredissatisfiedwiththegoodsorservicesthatYouhavepurchasedwithYourcreditcard,andYouhavetriedingoodfaithtocorrecttheproblemwiththemerchant,Youmayhavetherightnottopaytheremainingamountdueonthepurchase.To use this right, all of the following must be true:1.ThepurchasemusthavebeenmadeinYourhomestateorwithin100milesofYourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan$50.(Note:NeitherofthesearenecessaryifYourpurchasewasbasedonan advertisementWe mailed toYou, or ifWe own the company that soldYou the goods or services.)2.YoumusthaveusedYourcreditcardforthepurchase.PurchasesmadewithcashadvancesfromanATMorwithacheck that accessesYour credit cardAccount do not qualify.3.You must not yet have fully paid for the purchase.IfallofthecriteriaabovearemetandYouarestilldissatisfiedwiththepurchase,contactUsinwritingorelectronicallyatthe address listed onYour statement.WhileWeinvestigate,thesamerulesapplytothedisputedamountasdiscussedabove.AfterWefinishOurinvestigation,WewilltellYouOurdecision.Atthatpoint,ifWethinkYouoweanamountandYoudonotpay,WemayreportYouasdelinquent.©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved16300736-MXC10-C-1-050621 (MXC102-E)APPLICATIONANDSOLICITATIONDISCLOSUREInterest Rates and Interest ChargesAnnual Percentage Rate (APR) forPurchasesVisa PlatinumThis APR will vary with the market based on thePrime Rate.Visa Signature to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.APR for Balance TransfersVisa PlatinumIntroductory APR for12months from account opening.After that, your APR will be. This APR will vary with the marketbased on the Prime Rate.Visa Signature Introductory APR for12months from account opening.After that, your APR will be to,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.APR for Cash AdvancesVisa PlatinumThis APR will vary with the market based on thePrime Rate.Visa Signatureto,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.How to Avoid Paying Interest onPurchasesYour due date is at least25 days after the close of each billing cycle. We willnot charge you any interest on purchases if you pay your entire balance bythe due date each month.For Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.FeesAnnual Fee- Annual FeeNoneTransaction Fees- Balance Transfer FeeNone- Cash Advance FeeNone-Foreign Transaction FeeNoneSEE NEXT PAGE for more important information about your account.©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved16300736-MXC10-C-1-050621 (MXC102-E)Penalty Fees- Late Payment FeeUp to$25.00- Returned Payment FeeUp to$25.00How We Will Calculate Your Balance:We use a method called"average daily balance (including new purchases)."Promotional Period for Introductory APR:TheIntroductoryAPRforbalancetransferswillapplytotransactionspostedtoyouraccountduringthefirst90daysfollowingtheopeningofyouraccount.AnyexistingbalancesonHFSFederalCreditUnionloanorcreditcardaccountsare not eligible for the Introductory APR for balance transfers.Effective Date:The information about the costs of the card described in this application is accurate as of:This information may have changed after that date. To find out what may have changed, contact the Credit Union.ForCaliforniaBorrowers,theVisaPlatinumandVisaSignaturearesecuredcreditcards.Creditextendedunderthiscreditcardaccountissecuredbyvariouspersonalpropertyandmoneyincluding,butnotlimitedto:(a)anygoodsyoupurchasewiththisaccount,(b)anysharesyouspecificallypledgeascollateralforthisaccountonaseparatePledgeofShares,(c)allsharesyouhaveinanyindividualorjointaccountwiththeCreditUnionexcludingsharesinanIndividualRetirementAccountorinanyotheraccountthatwouldlosespecialtaxtreatmentunderstateorfederallaw,and(d)collateralsecuringotherloansyouhavewiththeCreditUnionexcluding dwellings.Other Fees & Disclosures:Late Payment Fee:10.00%ofyourcurrentrequiredminimumpayment,ifyouare10ormoredayslateinmakingapayment.However,thefee will not exceed$25.00.Returned Payment Fee:$25.00or the amountofyour current required minimum payment, whichever is less.Emergency Card Replacement Fee:$100.00for requests originating and delivered inside the U.S.$165.00 for requests originating or delivered outside the U.S.Rush Fee:$80.00.Statement Copy Fee:$5.00per copy.Account Research Fee:$25.00per hour (minimum 1 hour).