safe to do so. Do not key in your PIN if someone is looking. Be sure you take 
safe to do so. Do not key in your PIN if someone is looking. Be sure you take 
safe to do so. Do not key in your PIN if someone is looking. Be sure you take 
safe to do so. Do not key in your PIN if someone is looking. Be sure you take 
your card and receipt when you are done. Put your money away quickly 
your card and receipt when you are done. Put your money away quickly 
your card and receipt when you are done. Put your money away quickly 
your card and receipt when you are done. Put your money away quickly 
and leave the site.
and leave the site.
and leave the site.
and leave the site.
25.  Legal Use of Account. Cards issued may be used for any transaction 
25.  Legal Use of Account. Cards issued may be used for any transaction 
25.  Legal Use of Account. Cards issued may be used for any transaction 
25.  Legal Use of Account. Cards issued may be used for any transaction 
permitted by law. You agree that illegal use of the card will be deemed as an 
permitted by law. You agree that illegal use of the card will be deemed as an 
permitted by law. You agree that illegal use of the card will be deemed as an 
permitted by law. You agree that illegal use of the card will be deemed as an 
action of default and/or breach of contract and the card may be terminated 
action of default and/or breach of contract and the card may be terminated 
action of default and/or breach of contract and the card may be terminated 
action of default and/or breach of contract and the card may be terminated 
at the credit union’s discretion. You further agree, should illegal use occur, 
at the credit union’s discretion. You further agree, should illegal use occur, 
at the credit union’s discretion. You further agree, should illegal use occur, 
at the credit union’s discretion. You further agree, should illegal use occur, 
to waive the right to sue the credit union for such illegal activity directly or 
to waive the right to sue the credit union for such illegal activity directly or 
to waive the right to sue the credit union for such illegal activity directly or 
to waive the right to sue the credit union for such illegal activity directly or 
indirectly related to it and hold the credit union harmless from any suits 
indirectly related to it and hold the credit union harmless from any suits 
indirectly related to it and hold the credit union harmless from any suits 
indirectly related to it and hold the credit union harmless from any suits 
or other legal action or liability, directly or indirectly, resulting from such 
or other legal action or liability, directly or indirectly, resulting from such 
or other legal action or liability, directly or indirectly, resulting from such 
or other legal action or liability, directly or indirectly, resulting from such 
illegal use.
illegal use.
illegal use.
illegal use.
NOTICE TO NEW YORK RESIDENTS: In connection with your  
NOTICE TO NEW YORK RESIDENTS: In connection with your  
NOTICE TO NEW YORK RESIDENTS: In connection with your  
NOTICE TO NEW YORK RESIDENTS: In connection with your  
application for credit, we may request a consumer report. If you make a  
application for credit, we may request a consumer report. If you make a  
application for credit, we may request a consumer report. If you make a  
application for credit, we may request a consumer report. If you make a  
request, we will advise you whether such a report was ordered and the 
request, we will advise you whether such a report was ordered and the 
request, we will advise you whether such a report was ordered and the 
request, we will advise you whether such a report was ordered and the 
name and address of the consumer reporting agency that provided the 
name and address of the consumer reporting agency that provided the 
name and address of the consumer reporting agency that provided the 
name and address of the consumer reporting agency that provided the 
report. New York residents may contact the New York State Banking Depart-
report. New York residents may contact the New York State Banking Depart-
report. New York residents may contact the New York State Banking Depart-
report. New York residents may contact the New York State Banking Depart-
ment to obtain a comparative listing of credit card rates, fees and grace 
ment to obtain a comparative listing of credit card rates, fees and grace 
ment to obtain a comparative listing of credit card rates, fees and grace 
ment to obtain a comparative listing of credit card rates, fees and grace 
periods. New York State Banking Department: 1-800-518-8866.
periods. New York State Banking Department: 1-800-518-8866.
periods. New York State Banking Department: 1-800-518-8866.
periods. New York State Banking Department: 1-800-518-8866.
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 
require that all creditors make credit equally available to all creditworthy 
require that all creditors make credit equally available to all creditworthy 
require that all creditors make credit equally available to all creditworthy 
require that all creditors make credit equally available to all creditworthy 
customers and that credit reporting agencies maintain separate credit  
customers and that credit reporting agencies maintain separate credit  
customers and that credit reporting agencies maintain separate credit  
customers and that credit reporting agencies maintain separate credit  
histories on each individual upon request. The Ohio Civil Rights  
histories on each individual upon request. The Ohio Civil Rights  
histories on each individual upon request. The Ohio Civil Rights  
histories on each individual upon request. The Ohio Civil Rights  
Commission administers compliance with this law.
Commission administers compliance with this law.
Commission administers compliance with this law.
Commission administers compliance with this law.
NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision  
NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision  
NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision  
NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision  
of a marital property agreement, a unilateral statement under Sec. 766.59, 
of a marital property agreement, a unilateral statement under Sec. 766.59, 
of a marital property agreement, a unilateral statement under Sec. 766.59, 
of a marital property agreement, a unilateral statement under Sec. 766.59, 
Wis. Stats. or a court decree under Sec. 766.70 Wis. Stats., adversely affects 
Wis. Stats. or a court decree under Sec. 766.70 Wis. Stats., adversely affects 
Wis. Stats. or a court decree under Sec. 766.70 Wis. Stats., adversely affects 
Wis. Stats. or a court decree under Sec. 766.70 Wis. Stats., adversely affects 
the interest of the creditor unless the creditor, prior to the time the credit is 
the interest of the creditor unless the creditor, prior to the time the credit is 
the interest of the creditor unless the creditor, prior to the time the credit is 
the interest of the creditor unless the creditor, prior to the time the credit is 
granted is furnished a copy of the agreement, statement or decree or has  
granted is furnished a copy of the agreement, statement or decree or has  
granted is furnished a copy of the agreement, statement or decree or has  
granted is furnished a copy of the agreement, statement or decree or has  
actual knowledge of the adverse provision when the obligation to the 
actual knowledge of the adverse provision when the obligation to the 
actual knowledge of the adverse provision when the obligation to the 
actual knowledge of the adverse provision when the obligation to the 
creditor is incurred. You are married and this account is being opened in 
creditor is incurred. You are married and this account is being opened in 
creditor is incurred. You are married and this account is being opened in 
creditor is incurred. You are married and this account is being opened in 
the interest of your marriage or family.
the interest of your marriage or family.
the interest of your marriage or family.
the interest of your marriage or family.
NOTICE TO CALIFORNIA RESIDENTS: If you are married, you may apply  
NOTICE TO CALIFORNIA RESIDENTS: If you are married, you may apply  
NOTICE TO CALIFORNIA RESIDENTS: If you are married, you may apply  
NOTICE TO CALIFORNIA RESIDENTS: If you are married, you may apply  
for credit in your own name. Under California law, our rights to recover 
for credit in your own name. Under California law, our rights to recover 
for credit in your own name. Under California law, our rights to recover 
for credit in your own name. Under California law, our rights to recover 
credit extended to you for credit card purchases is subject to any defenses 
credit extended to you for credit card purchases is subject to any defenses 
credit extended to you for credit card purchases is subject to any defenses 
credit extended to you for credit card purchases is subject to any defenses 
that you have against the seller if: (1) the purchase price of the item in  
that you have against the seller if: (1) the purchase price of the item in  
that you have against the seller if: (1) the purchase price of the item in  
that you have against the seller if: (1) the purchase price of the item in  
question exceeded $50; (2) the purchase was made in California; (3) you 
question exceeded $50; (2) the purchase was made in California; (3) you 
question exceeded $50; (2) the purchase was made in California; (3) you 
question exceeded $50; (2) the purchase was made in California; (3) you 
made a written demand on the retailer and made a good faith attempt to 
made a written demand on the retailer and made a good faith attempt to 
made a written demand on the retailer and made a good faith attempt to 
made a written demand on the retailer and made a good faith attempt to 
get satisfaction of your complaint; (4) you notify us in writing of the name  
get satisfaction of your complaint; (4) you notify us in writing of the name  
get satisfaction of your complaint; (4) you notify us in writing of the name  
get satisfaction of your complaint; (4) you notify us in writing of the name  
of the seller, the date of purchase, the price paid, the goods or services  
of the seller, the date of purchase, the price paid, the goods or services  
of the seller, the date of purchase, the price paid, the goods or services  
of the seller, the date of purchase, the price paid, the goods or services  
purchased, the nature of your defense, and the acts which you took to 
purchased, the nature of your defense, and the acts which you took to 
purchased, the nature of your defense, and the acts which you took to 
purchased, the nature of your defense, and the acts which you took to 
obtain satisfaction from the seller. The amount to which the defense  
obtain satisfaction from the seller. The amount to which the defense  
obtain satisfaction from the seller. The amount to which the defense  
obtain satisfaction from the seller. The amount to which the defense  
applies is limited to the amount outstanding on the purchase as well as  
applies is limited to the amount outstanding on the purchase as well as  
applies is limited to the amount outstanding on the purchase as well as  
applies is limited to the amount outstanding on the purchase as well as  
late charges and Finance Charges at the time the written demand is  
late charges and Finance Charges at the time the written demand is  
late charges and Finance Charges at the time the written demand is  
late charges and Finance Charges at the time the written demand is  
received by you. This remedy is the only one you have against us. Your 
received by you. This remedy is the only one you have against us. Your 
received by you. This remedy is the only one you have against us. Your 
received by you. This remedy is the only one you have against us. Your 
rights are limited to those circumstances outlined in California Civil Code 
rights are limited to those circumstances outlined in California Civil Code 
rights are limited to those circumstances outlined in California Civil Code 
rights are limited to those circumstances outlined in California Civil Code 
Section 1747.90. Purchases with cash or check are not included in this 
Section 1747.90. Purchases with cash or check are not included in this 
Section 1747.90. Purchases with cash or check are not included in this 
Section 1747.90. Purchases with cash or check are not included in this 
section even though you used your credit card to validate your credit. We 
section even though you used your credit card to validate your credit. We 
section even though you used your credit card to validate your credit. We 
section even though you used your credit card to validate your credit. We 
cannot penalize you by either giving out unfavorable credit information  
cannot penalize you by either giving out unfavorable credit information  
cannot penalize you by either giving out unfavorable credit information  
cannot penalize you by either giving out unfavorable credit information  
about you or canceling or refusing to renew your credit card solely because 
about you or canceling or refusing to renew your credit card solely because 
about you or canceling or refusing to renew your credit card solely because 
about you or canceling or refusing to renew your credit card solely because 
you obtained relief under the remedies you have for correcting billing 
you obtained relief under the remedies you have for correcting billing 
you obtained relief under the remedies you have for correcting billing 
you obtained relief under the remedies you have for correcting billing 
errors.
errors.
errors.
errors.

YOUR BILLING RIGHTS
YOUR BILLING RIGHTS
YOUR BILLING RIGHTS
YOUR BILLING RIGHTS
(Keep this notice for future use) 
(Keep this notice for future use) 
(Keep this notice for future use) 
(Keep this notice for future use) 
This notice contains important information about your rights  
This notice contains important information about your rights  
This notice contains important information about your rights  
This notice contains important information about your rights  
and our responsibilities under the Fair Credit Billing Act.
and our responsibilities under the Fair Credit Billing Act.
and our responsibilities under the Fair Credit Billing Act.
and our responsibilities under the Fair Credit Billing Act.
Notify us in case of errors or questions about your statement. If you think 
Notify us in case of errors or questions about your statement. If you think 
Notify us in case of errors or questions about your statement. If you think 
Notify us in case of errors or questions about your statement. If you think 
your bill is wrong, or if you need more information about a transaction on 
your bill is wrong, or if you need more information about a transaction on 
your bill is wrong, or if you need more information about a transaction on 
your bill is wrong, or if you need more information about a transaction on 
your bill, write to us on a separate sheet of paper at Customer Service, P.O. 
your bill, write to us on a separate sheet of paper at Customer Service, P.O. 
your bill, write to us on a separate sheet of paper at Customer Service, P.O. 
your bill, write to us on a separate sheet of paper at Customer Service, P.O. 
Box 31112, Tampa, FL 33631-3112. Write to us as soon as possible. We must 
Box 31112, Tampa, FL 33631-3112. Write to us as soon as possible. We must 
Box 31112, Tampa, FL 33631-3112. Write to us as soon as possible. We must 
Box 31112, Tampa, FL 33631-3112. Write to us as soon as possible. We must 
hear from you no later than 60 days after we sent you the first bill on which 
hear from you no later than 60 days after we sent you the first bill on which 
hear from you no later than 60 days after we sent you the first bill on which 
hear from you no later than 60 days after we sent you the first bill on which 
the error or problem appeared. You can telephone us at 1-800-692-2274, 
the error or problem appeared. You can telephone us at 1-800-692-2274, 
the error or problem appeared. You can telephone us at 1-800-692-2274, 
the error or problem appeared. You can telephone us at 1-800-692-2274, 
but doing so will not preserve your rights.
but doing so will not preserve your rights.
but doing so will not preserve your rights.
but doing so will not preserve your rights.
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:
a) Your name and account number.
a) Your name and account number.
a) Your name and account number.
a) Your name and account number.
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.
c)  Describe the error and explain, if you can, why you believe there  
c)  Describe the error and explain, if you can, why you believe there  
c)  Describe the error and explain, if you can, why you believe there  
c)  Describe the error and explain, if you can, why you believe there  
is an error. If you need more information, describe the item you  
is an error. If you need more information, describe the item you  
is an error. If you need more information, describe the item you  
is an error. If you need more information, describe the item you  
are not sure about.
are not sure about.
are not sure about.
are not sure about.
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  
your savings or checking account, you can stop the payment on  
your savings or checking account, you can stop the payment on  
your savings or checking account, you can stop the payment on  
your savings or checking account, you can stop the payment on  
any amount you think is wrong. To stop the payment, your letter  
any amount you think is wrong. To stop the payment, your letter  
any amount you think is wrong. To stop the payment, your letter  
any amount you think is wrong. To stop the payment, your letter  
must reach us three business days before the automatic payment  
must reach us three business days before the automatic payment  
must reach us three business days before the automatic payment  
must reach us three business days before the automatic payment  
is scheduled to occur.
is scheduled to occur.
is scheduled to occur.
is scheduled to occur.

YOUR RIGHTS AND OUR RESPONSIBILITIES  
YOUR RIGHTS AND OUR RESPONSIBILITIES  
YOUR RIGHTS AND OUR RESPONSIBILITIES  
YOUR RIGHTS AND OUR RESPONSIBILITIES  
after we receive your written notice. 
after we receive your written notice. 
after we receive your written notice. 
after we receive your written notice. 
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  
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  
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. 
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  
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 
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 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  
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  
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. 
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 
any finance charge related to the questioned amount. If we didn’t make a 
any finance charge related to the questioned amount. If we didn’t make a 
any finance charge related to the questioned amount. If we didn’t make a 
any finance charge related to the questioned amount. If we didn’t make a 
mistake, you may have to pay the finance charge, and you will have to make 
mistake, you may have to pay the finance charge, and you will have to make 
mistake, you may have to pay the finance charge, and you will have to make 
mistake, you may have to pay the finance charge, and you will have to make 
up any missed payments on the questioned amount. In either case, we will 
up any missed payments on the questioned amount. In either case, we will 
up any missed payments on the questioned amount. In either case, we will 
up any missed payments on the questioned amount. In either case, we will 
send you a statement of the amount you owe and the date that it is due. 
send you a statement of the amount you owe and the date that it is due. 
send you a statement of the amount you owe and the date that it is due. 
send you a statement of the amount you owe and the date that it is due. 
If you fail to pay the amount that we think you owe, we may report you as 
If you fail to pay the amount that we think you owe, we may report you as 
If you fail to pay the amount that we think you owe, we may report you as 
If you fail to pay the amount that we think you owe, we may report you as 
in default. However, if our explanation does not satisfy you and you write 
in default. However, if our explanation does not satisfy you and you write 
in default. However, if our explanation does not satisfy you and you write 
in default. However, if our explanation does not satisfy you and you write 
to us within ten days telling us that you still refuse to pay, we must tell 
to us within ten days telling us that you still refuse to pay, we must tell 
to us within ten days telling us that you still refuse to pay, we must tell 
to us within ten days telling us that you still refuse to pay, we must tell 
anyone that we report you to that you have a question on your bill. And 
anyone that we report you to that you have a question on your bill. And 
anyone that we report you to that you have a question on your bill. And 
anyone that we report you to that you have a question on your bill. And 
we must also tell anyone we report you to that the matter has been settled 
we must also tell anyone we report you to that the matter has been settled 
we must also tell anyone we report you to that the matter has been settled 
we must also tell anyone we report you to that the matter has been settled 
between us when it is finally settled.
between us when it is finally settled.
between us when it is finally settled.
between us when it is finally settled.
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 
quality of goods or services that you purchase with a credit card and you 
quality of goods or services that you purchase with a credit card and you 
quality of goods or services that you purchase with a credit card and you 
quality of goods or services that you purchase with a credit card and you 
have tried in good faith to correct the problem with the merchant, you may 
have tried in good faith to correct the problem with the merchant, you may 
have tried in good faith to correct the problem with the merchant, you may 
have tried in good faith to correct the problem with the merchant, you may 
not have to pay the remaining amount due on the goods or services. You 
not have to pay the remaining amount due on the goods or services. You 
not have to pay the remaining amount due on the goods or services. You 
not have to pay the remaining amount due on the goods or services. You 
have this protection only when the purchase price was more than $50.00 
have this protection only when the purchase price was more than $50.00 
have this protection only when the purchase price was more than $50.00 
have this protection only when the purchase price was more than $50.00 
and the purchase was made in your home state or within 100 miles of your 
and the purchase was made in your home state or within 100 miles of your 
and the purchase was made in your home state or within 100 miles of your 
and the purchase was made in your home state or within 100 miles of your 
mailing address. (If we own or operate the merchant, or if we mailed you 
mailing address. (If we own or operate the merchant, or if we mailed you 
mailing address. (If we own or operate the merchant, or if we mailed you 
mailing address. (If we own or operate the merchant, or if we mailed you 
the advertisement for the property or services, all purchases are covered 
the advertisement for the property or services, all purchases are covered 
the advertisement for the property or services, all purchases are covered 
the advertisement for the property or services, all purchases are covered 
regardless of amount or location of purchase.)
regardless of amount or location of purchase.)
regardless of amount or location of purchase.)
regardless of amount or location of purchase.)

CONSENT TO CONTACT 
CONSENT TO CONTACT 

CONSENT TO CONTACT 
CONSENT TO CONTACT 
You agree that we may contact you by telephone or text message 
You agree that we may contact you by telephone or text message 
You agree that we may contact you by telephone or text message 
You agree that we may contact you by telephone or text message 
at any telephone number associated with your account, including 
at any telephone number associated with your account, including 
at any telephone number associated with your account, including 
at any telephone number associated with your account, including 
wireless telephone numbers (i.e., cell phone numbers), which 
wireless telephone numbers (i.e., cell phone numbers), which 
wireless telephone numbers (i.e., cell phone numbers), which 
wireless telephone numbers (i.e., cell phone numbers), which 
may result in charge to you. You agree that we may contact you 
may result in charge to you. You agree that we may contact you 
may result in charge to you. You agree that we may contact you 
may result in charge to you. You agree that we may contact you 
in order to service your account, prevent fraud, collect any amounts 
in order to service your account, prevent fraud, collect any amounts 
in order to service your account, prevent fraud, collect any amounts 
in order to service your account, prevent fraud, collect any amounts 
owed to us, and for informational and telemarketing purposes as 
owed to us, and for informational and telemarketing purposes as 
owed to us, and for informational and telemarketing purposes as 
owed to us, and for informational and telemarketing purposes as 
permitted by law. You further agree that methods of contact 
permitted by law. You further agree that methods of contact 
permitted by law. You further agree that methods of contact 
permitted by law. You further agree that methods of contact 
may include the use of pre-recorded or artificial voice messages 
may include the use of pre-recorded or artificial voice messages 
may include the use of pre-recorded or artificial voice messages 
may include the use of pre-recorded or artificial voice messages 
and/or the use of an automatic dialing system. You understand that 
and/or the use of an automatic dialing system. You understand that 
and/or the use of an automatic dialing system. You understand that 
and/or the use of an automatic dialing system. You understand that 
you are not required to agree to this provision of the Agreement and
you are not required to agree to this provision of the Agreement and
you are not required to agree to this provision of the Agreement and
you are not required to agree to this provision of the Agreement and
Disclosure as a condition of purchasing any property, goods, or 
Disclosure as a condition of purchasing any property, goods, or 
Disclosure as a condition of purchasing any property, goods, or 
Disclosure as a condition of purchasing any property, goods, or 
services. You represent and agree that you are and will be the 
services. You represent and agree that you are and will be the 
services. You represent and agree that you are and will be the 
services. You represent and agree that you are and will be the 
wireless telephone number subscriber with respect to each wireless 
wireless telephone number subscriber with respect to each wireless 
wireless telephone number subscriber with respect to each wireless 
wireless telephone number subscriber with respect to each wireless 
telephone number provided by you to us.
telephone number provided by you to us.
telephone number provided by you to us.
telephone number provided by you to us.

EFFECTIVE AS OF OCTOBER 3, 2017  
EFFECTIVE AS OF OCTOBER 3, 2017  
EFFECTIVE AS OF OCTOBER 3, 2017  
EFFECTIVE AS OF OCTOBER 3, 2017  
IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS  
IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS  
IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS  
IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS  
OF THE MILITARY AND THEIR DEPENDENTS: 
OF THE MILITARY AND THEIR DEPENDENTS: 
OF THE MILITARY AND THEIR DEPENDENTS: 
OF THE MILITARY AND THEIR DEPENDENTS: 
 The following applies if at the time your credit card account is  
 The following applies if at the time your credit card account is  
 The following applies if at the time your credit card account is  
 The following applies if at the time your credit card account is  
established you are a member of the military or a dependent  
established you are a member of the military or a dependent  
established you are a member of the military or a dependent  
established you are a member of the military or a dependent  
(as those terms are defined in the Military Lending Act, 10 U.S.C.  
(as those terms are defined in the Military Lending Act, 10 U.S.C.  
(as those terms are defined in the Military Lending Act, 10 U.S.C.  
(as those terms are defined in the Military Lending Act, 10 U.S.C.  
987 and its implementing regulations), and terminates when  
987 and its implementing regulations), and terminates when  
987 and its implementing regulations), and terminates when  
987 and its implementing regulations), and terminates when  
military service ends.
military service ends.
military service ends.
military service ends.
 1. NOTICE: Federal law provides important protections to members 
 1. NOTICE: Federal law provides important protections to members 
 1. NOTICE: Federal law provides important protections to members 
 1. NOTICE: Federal law provides important protections to members 
of the Armed Forces and their dependents relating to extensions of 
of the Armed Forces and their dependents relating to extensions of 
of the Armed Forces and their dependents relating to extensions of 
of the Armed Forces and their dependents relating to extensions of 
consumer credit. In general, the cost of consumer credit to a member 
consumer credit. In general, the cost of consumer credit to a member 
consumer credit. In general, the cost of consumer credit to a member 
consumer credit. In general, the cost of consumer credit to a member 
of the Armed Forces and his or her dependent may not exceed an 
of the Armed Forces and his or her dependent may not exceed an 
of the Armed Forces and his or her dependent may not exceed an 
of the Armed Forces and his or her dependent may not exceed an 
annual percentage rate of 36 percent. This rate must include, as  
annual percentage rate of 36 percent. This rate must include, as  
annual percentage rate of 36 percent. This rate must include, as  
annual percentage rate of 36 percent. This rate must include, as  
applicable to the credit transaction or account: the costs associated 
applicable to the credit transaction or account: the costs associated 
applicable to the credit transaction or account: the costs associated 
applicable to the credit transaction or account: the costs associated 
with credit insurance premiums or debt protection fees; fees for 
with credit insurance premiums or debt protection fees; fees for 
with credit insurance premiums or debt protection fees; fees for 
with credit insurance premiums or debt protection fees; fees for 
ancillary products sold in connection with the credit transaction; 
ancillary products sold in connection with the credit transaction; 
ancillary products sold in connection with the credit transaction; 
ancillary products sold in connection with the credit transaction; 
any application fee charged (other than certain application fees for 
any application fee charged (other than certain application fees for 
any application fee charged (other than certain application fees for 
any application fee charged (other than certain application fees for 
specified credit transactions or accounts); and any participation 
specified credit transactions or accounts); and any participation 
specified credit transactions or accounts); and any participation 
specified credit transactions or accounts); and any participation 
fee charged (other than certain participation fees for a credit card 
fee charged (other than certain participation fees for a credit card 
fee charged (other than certain participation fees for a credit card 
fee charged (other than certain participation fees for a credit card 
account). To receive this notice verbally, please call 1-800-692-2274 
account). To receive this notice verbally, please call 1-800-692-2274 
account). To receive this notice verbally, please call 1-800-692-2274 
account). To receive this notice verbally, please call 1-800-692-2274 
during our normal business hours: 7:00 am to 7:00 pm Monday-Friday 
during our normal business hours: 7:00 am to 7:00 pm Monday-Friday 
during our normal business hours: 7:00 am to 7:00 pm Monday-Friday 
during our normal business hours: 7:00 am to 7:00 pm Monday-Friday 
and 9:00 am to 1:00 pm Saturday.
and 9:00 am to 1:00 pm Saturday.
and 9:00 am to 1:00 pm Saturday.
and 9:00 am to 1:00 pm Saturday.
  2. This card will not be secured by a consensual lien on shares or  
  2. This card will not be secured by a consensual lien on shares or  
  2. This card will not be secured by a consensual lien on shares or  
  2. This card will not be secured by a consensual lien on shares or  
 deposits in any of your accounts unless you specifically agree to 
 deposits in any of your accounts unless you specifically agree to 
 deposits in any of your accounts unless you specifically agree to 
 deposits in any of your accounts unless you specifically agree to 
establish an account in connection with this card (“Secured  
establish an account in connection with this card (“Secured  
establish an account in connection with this card (“Secured  
establish an account in connection with this card (“Secured  
Account”). Only funds deposited into the Secured Account after the 
Account”). Only funds deposited into the Secured Account after the 
Account”). Only funds deposited into the Secured Account after the 
Account”). Only funds deposited into the Secured Account after the 
card is approved will secure this card. Any cross-collateralization  
card is approved will secure this card. Any cross-collateralization  
card is approved will secure this card. Any cross-collateralization  
card is approved will secure this card. Any cross-collateralization  
provision contained in your credit or membership documents will 
provision contained in your credit or membership documents will 
provision contained in your credit or membership documents will 
provision contained in your credit or membership documents will 
not apply to the Secured Account or your other share or deposit  
not apply to the Secured Account or your other share or deposit  
not apply to the Secured Account or your other share or deposit  
not apply to the Secured Account or your other share or deposit  
accounts for any loan subject to the Military Lending Act. However,  
accounts for any loan subject to the Military Lending Act. However,  
accounts for any loan subject to the Military Lending Act. However,  
accounts for any loan subject to the Military Lending Act. However,  
with regard to this card, we still reserve our statutory lien rights  
with regard to this card, we still reserve our statutory lien rights  
with regard to this card, we still reserve our statutory lien rights  
with regard to this card, we still reserve our statutory lien rights  
and any resulting rights to set-off or administrative freeze under 
and any resulting rights to set-off or administrative freeze under 
and any resulting rights to set-off or administrative freeze under 
and any resulting rights to set-off or administrative freeze under 
federal or state law, which gives us the right to apply the sums in the  
federal or state law, which gives us the right to apply the sums in the  
federal or state law, which gives us the right to apply the sums in the  
federal or state law, which gives us the right to apply the sums in the  
Secured Account or any other account(s) you have with us to satisfy 
Secured Account or any other account(s) you have with us to satisfy 
Secured Account or any other account(s) you have with us to satisfy 
Secured Account or any other account(s) you have with us to satisfy 
your obligations. Any contract terms in your credit, security, or  
your obligations. Any contract terms in your credit, security, or  
your obligations. Any contract terms in your credit, security, or  
your obligations. Any contract terms in your credit, security, or  
membership agreements that contradict the above with regard to  
membership agreements that contradict the above with regard to  
membership agreements that contradict the above with regard to  
membership agreements that contradict the above with regard to  
this card are hereby deleted.
this card are hereby deleted.
this card are hereby deleted.
this card are hereby deleted.

CREDIT CARD AGREEMENT 
CREDIT CARD AGREEMENT 
CREDIT CARD AGREEMENT 
CREDIT CARD AGREEMENT 
AND TRUTH-IN-LENDING 
AND TRUTH-IN-LENDING 
AND TRUTH-IN-LENDING 
AND TRUTH-IN-LENDING 
DISCLOSURE
DISCLOSURE
DISCLOSURE
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. 
This is your Credit Card Agreement and Truth-In-Lending Disclosure. 
Please read and file with your records. This Agreement and Disclosure, 
Please read and file with your records. This Agreement and Disclosure, 
Please read and file with your records. This Agreement and Disclosure, 
Please read and file with your records. This Agreement and Disclosure, 
required by law, states the terms and conditions governing your 
required by law, states the terms and conditions governing your 
required by law, states the terms and conditions governing your 
required by law, states the terms and conditions governing your 
account(s). 
account(s). 
account(s). 
account(s). 
In this Agreement, the words “you” and “your” mean each and all of  
In this Agreement, the words “you” and “your” mean each and all of  
In this Agreement, the words “you” and “your” mean each and all of  
In this Agreement, the words “you” and “your” mean each and all of  
those who apply for the Credit Card. “We,” “us,” and “ours” mean  
those who apply for the Credit Card. “We,” “us,” and “ours” mean  
those who apply for the Credit Card. “We,” “us,” and “ours” mean  
those who apply for the Credit Card. “We,” “us,” and “ours” mean  
Wings Financial Credit Union, located with its main office in Minnesota. 
Wings Financial Credit Union, located with its main office in Minnesota. 
Wings Financial Credit Union, located with its main office in Minnesota. 
Wings Financial Credit Union, located with its main office in Minnesota. 
“Card” means the Credit Card and any duplicates and renewals we issue. 
“Card” means the Credit Card and any duplicates and renewals we issue. 
“Card” means the Credit Card and any duplicates and renewals we issue. 
“Card” means the Credit Card and any duplicates and renewals we issue. 
“Account” means your Credit Card Line-of-Credit account with us.
“Account” means your Credit Card Line-of-Credit account with us.
“Account” means your Credit Card Line-of-Credit account with us.
“Account” means your Credit Card Line-of-Credit account with us.
BY KEEPING THE CREDIT CARD, SIGNING IT, USING IT,  
BY KEEPING THE CREDIT CARD, SIGNING IT, USING IT,  
BY KEEPING THE CREDIT CARD, SIGNING IT, USING IT,  
BY KEEPING THE CREDIT CARD, SIGNING IT, USING IT,  
OR PERMITTING ANOTHER TO USE IT, YOU AGREE TO ALL THE TERMS 
OR PERMITTING ANOTHER TO USE IT, YOU AGREE TO ALL THE TERMS 
OR PERMITTING ANOTHER TO USE IT, YOU AGREE TO ALL THE TERMS 
OR PERMITTING ANOTHER TO USE IT, YOU AGREE TO ALL THE TERMS 
AND CONDITIONS OF THIS AGREEMENT.
AND CONDITIONS OF THIS AGREEMENT.
AND CONDITIONS OF THIS AGREEMENT.
AND CONDITIONS OF THIS AGREEMENT.
1.  Effect of Agreement. This Agreement is the contract which applies to 
1.  Effect of Agreement. This Agreement is the contract which applies to 
1.  Effect of Agreement. This Agreement is the contract which applies to 
1.  Effect of Agreement. This Agreement is the contract which applies to 
all transactions on your Account, even though the sales, cash advance, or 
all transactions on your Account, even though the sales, cash advance, or 
all transactions on your Account, even though the sales, cash advance, or 
all transactions on your Account, even though the sales, cash advance, or 
credit slips you sign or receive may contain different terms. Subject to  
credit slips you sign or receive may contain different terms. Subject to  
credit slips you sign or receive may contain different terms. Subject to  
credit slips you sign or receive may contain different terms. Subject to  
applicable law, we may amend this Agreement including, but not limited 
applicable law, we may amend this Agreement including, but not limited 
applicable law, we may amend this Agreement including, but not limited 
applicable law, we may amend this Agreement including, but not limited 
to, changing the rate or method of determining the finance charge, by 
to, changing the rate or method of determining the finance charge, by 
to, changing the rate or method of determining the finance charge, by 
to, changing the rate or method of determining the finance charge, by 
sending you the advance written notice as required by law. To the extent 
sending you the advance written notice as required by law. To the extent 
sending you the advance written notice as required by law. To the extent 
sending you the advance written notice as required by law. To the extent 
the law permits, and we indicate in our notice, amendments will apply to 
the law permits, and we indicate in our notice, amendments will apply to 
the law permits, and we indicate in our notice, amendments will apply to 
the law permits, and we indicate in our notice, amendments will apply to 
your existing account balances as well as to future transactions.
your existing account balances as well as to future transactions.
your existing account balances as well as to future transactions.
your existing account balances as well as to future transactions.
2.  Responsibility: Joint Account. If we issue a Card to you, you agree to 
2.  Responsibility: Joint Account. If we issue a Card to you, you agree to 
2.  Responsibility: Joint Account. If we issue a Card to you, you agree to 
2.  Responsibility: Joint Account. If we issue a Card to you, you agree to 
repay all debts and the finance charge from the use of your Card and the 
repay all debts and the finance charge from the use of your Card and the 
repay all debts and the finance charge from the use of your Card and the 
repay all debts and the finance charge from the use of your Card and the 
Account. For example, you are responsible for charges made by you, your 
Account. For example, you are responsible for charges made by you, your 
Account. For example, you are responsible for charges made by you, your 
Account. For example, you are responsible for charges made by you, your 
spouse, and minor children. You cannot transfer or assign your account 
spouse, and minor children. You cannot transfer or assign your account 
spouse, and minor children. You cannot transfer or assign your account 
spouse, and minor children. You cannot transfer or assign your account 
to another person. You are responsible for charges made by anyone else 
to another person. You are responsible for charges made by anyone else 
to another person. You are responsible for charges made by anyone else 
to another person. You are responsible for charges made by anyone else 
to whom you give the Card, and this responsibility continues until the 
to whom you give the Card, and this responsibility continues until the 
to whom you give the Card, and this responsibility continues until the 
to whom you give the Card, and this responsibility continues until the 
Card is recovered. You cannot avoid responsibility by notifying us, but we 
Card is recovered. You cannot avoid responsibility by notifying us, but we 
Card is recovered. You cannot avoid responsibility by notifying us, but we 
Card is recovered. You cannot avoid responsibility by notifying us, but we 
will close the Account as soon as possible for new transactions after you 
will close the Account as soon as possible for new transactions after you 
will close the Account as soon as possible for new transactions after you 
will close the Account as soon as possible for new transactions after you 
request and return all Cards. Your obligation to pay the Account balance 
request and return all Cards. Your obligation to pay the Account balance 
request and return all Cards. Your obligation to pay the Account balance 
request and return all Cards. Your obligation to pay the Account balance 
continues even though an agreement, divorce decree or other court  
continues even though an agreement, divorce decree or other court  
continues even though an agreement, divorce decree or other court  
continues even though an agreement, divorce decree or other court  
judgment to which we are a party may direct you or one of the other  
judgment to which we are a party may direct you or one of the other  
judgment to which we are a party may direct you or one of the other  
judgment to which we are a party may direct you or one of the other  
persons responsible to pay the Account. Any person using the Card is 
persons responsible to pay the Account. Any person using the Card is 
persons responsible to pay the Account. Any person using the Card is 
persons responsible to pay the Account. Any person using the Card is 
jointly responsible with you for charges he or she makes. Any person  
jointly responsible with you for charges he or she makes. Any person  
jointly responsible with you for charges he or she makes. Any person  
jointly responsible with you for charges he or she makes. Any person  
who signs the Card becomes a party to this Agreement and is jointly  
who signs the Card becomes a party to this Agreement and is jointly  
who signs the Card becomes a party to this Agreement and is jointly  
who signs the Card becomes a party to this Agreement and is jointly  
responsible for all charges on the Account, including yours.
responsible for all charges on the Account, including yours.
responsible for all charges on the Account, including yours.
responsible for all charges on the Account, including yours.

M-131763

M-128141

M-128141

M-128141
M-128141

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 Security Interest Specific For Credit Cards. You acknowledge 
 Security Interest Specific For Credit Cards. You acknowledge 
 Security Interest Specific For Credit Cards. You acknowledge 
 Security Interest Specific For Credit Cards. You acknowledge 
and pledge, specifically as a condition of your use of the Card, 
and pledge, specifically as a condition of your use of the Card, 
and pledge, specifically as a condition of your use of the Card, 
and pledge, specifically as a condition of your use of the Card, 
that you have voluntarily granted us a security interest in all  
that you have voluntarily granted us a security interest in all  
that you have voluntarily granted us a security interest in all  
that you have voluntarily granted us a security interest in all  
of your individual and joint share accounts you have now and 
of your individual and joint share accounts you have now and 
of your individual and joint share accounts you have now and 
of your individual and joint share accounts you have now and 
in the future with us. If your Card becomes delinquent, this  
in the future with us. If your Card becomes delinquent, this  
in the future with us. If your Card becomes delinquent, this  
in the future with us. If your Card becomes delinquent, this  
security interest may be used without further notice to pay  
security interest may be used without further notice to pay  
security interest may be used without further notice to pay  
security interest may be used without further notice to pay  
all or part of such delinquency. This security interest does not  
all or part of such delinquency. This security interest does not  
all or part of such delinquency. This security interest does not  
all or part of such delinquency. This security interest does not  
apply to shares in an Individual Retirement Account (IRA).  
apply to shares in an Individual Retirement Account (IRA).  
apply to shares in an Individual Retirement Account (IRA).  
apply to shares in an Individual Retirement Account (IRA).  
You agree to pledge a security interest in the collateral secur-
You agree to pledge a security interest in the collateral secur-
You agree to pledge a security interest in the collateral secur-
You agree to pledge a security interest in the collateral secur-
ing loans that you have with us now and in the future and any 
ing loans that you have with us now and in the future and any 
ing loans that you have with us now and in the future and any 
ing loans that you have with us now and in the future and any 
proceeds from the sale of such collateral and of insurance 
proceeds from the sale of such collateral and of insurance 
proceeds from the sale of such collateral and of insurance 
proceeds from the sale of such collateral and of insurance 
thereon, not to exceed the unpaid balance of the Card. 
thereon, not to exceed the unpaid balance of the Card. 
thereon, not to exceed the unpaid balance of the Card. 
thereon, not to exceed the unpaid balance of the Card. 
 The Security Interest secures payment of all credit card  
 The Security Interest secures payment of all credit card  
 The Security Interest secures payment of all credit card  
 The Security Interest secures payment of all credit card  
indebtedness, including all future advances, and gives  
indebtedness, including all future advances, and gives  
indebtedness, including all future advances, and gives  
indebtedness, including all future advances, and gives  
Wings Financial the right to deduct all or part of the credit  
Wings Financial the right to deduct all or part of the credit  
Wings Financial the right to deduct all or part of the credit  
Wings Financial the right to deduct all or part of the credit  
card debt due if payment is not timely made.
card debt due if payment is not timely made.
card debt due if payment is not timely made.
card debt due if payment is not timely made.
 If you do not agree to the Security Interest pledge, please  
 If you do not agree to the Security Interest pledge, please  
 If you do not agree to the Security Interest pledge, please  
 If you do not agree to the Security Interest pledge, please  
cut up the enclosed card(s) and return to: Payment Systems, 
cut up the enclosed card(s) and return to: Payment Systems, 
cut up the enclosed card(s) and return to: Payment Systems, 
cut up the enclosed card(s) and return to: Payment Systems, 
Wings Financial Credit Union, 14985 Glazier Avenue,  
Wings Financial Credit Union, 14985 Glazier Avenue,  
Wings Financial Credit Union, 14985 Glazier Avenue,  
Wings Financial Credit Union, 14985 Glazier Avenue,  
Apple Valley, MN 55124.
Apple Valley, MN 55124.
Apple Valley, MN 55124.
Apple Valley, MN 55124.

3. Finance Charges. You can avoid paying the finance charge (interest 
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 
purchases) by paying the full amount of the New Balance of Purchases 
purchases) by paying the full amount of the New Balance of Purchases 
purchases) by paying the full amount of the New Balance of Purchases 
purchases) by paying the full amount of the New Balance of Purchases 
on purchases) by paying the total amount of the New Balance of 
each month within 25 days of your statement closing date. Otherwise, 
each month within 25 days of your statement closing date. Otherwise, 
each month within 25 days of your statement closing date. Otherwise, 
each month within 25 days of your statement closing date. Otherwise, 
Purchases, in full, each month on or before the Payment Due Date. 
the New Balance of Purchases, and subsequent purchases from the date 
the New Balance of Purchases, and subsequent purchases from the date 
the New Balance of Purchases, and subsequent purchases from the date 
the New Balance of Purchases, and subsequent purchases from the date 
Otherwise, the New Balance of Purchases, and subsequent purchases 
they are posted to your Account, will be subject to a finance charge. Cash 
they are posted to your Account, will be subject to a finance charge. Cash 
they are posted to your Account, will be subject to a finance charge. Cash 
they are posted to your Account, will be subject to a finance charge. Cash 
from the date they are posted to your Account, will be subject to a 
Advances and Balance Transfers are always subject to a finance charge 
Advances and Balance Transfers are always subject to a finance charge 
Advances and Balance Transfers are always subject to a finance charge 
Advances and Balance Transfers are always subject to a finance charge 
finance charge. Cash Advances and Balance Transfers are always subject 
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 
to a finance charge from the date they are posted to your Account. The 
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 
finance charge will be applied to the average daily principal balances 
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 
of purchases and cash advances of your Account. We figure the finance 
Account by applying the periodic rate to the “average daily balance” of 
Account by applying the periodic rate to the “average daily balance” of 
Account by applying the periodic rate to the “average daily balance” of 
Account by applying the periodic rate to the “average daily balance” of 
charge on your Account by applying the periodic rate to the “average 
your Account (including current transactions). To get the “average daily 
your Account (including current transactions). To get the “average daily 
your Account (including current transactions). To get the “average daily 
your Account (including current transactions). To get the “average daily 
daily balance” of your Account (including current transactions). To get the 
balance,” we take the beginning balance of your Account each day, add 
balance,” we take the beginning balance of your Account each day, add 
balance,” we take the beginning balance of your Account each day, add 
balance,” we take the beginning balance of your Account each day, add 
“average daily balance,” we take the beginning balance of your Account 
any new purchases, cash advances, and subtract any payment or credits  
any new purchases, cash advances, and subtract any payment or credits  
any new purchases, cash advances, and subtract any payment or credits  
any new purchases, cash advances, and subtract any payment or credits  
each day, add any new purchases, cash advances, and subtract any 
and unpaid finance charges and fees. This gives us the daily balance. 
and unpaid finance charges and fees. This gives us the daily balance. 
and unpaid finance charges and fees. This gives us the daily balance. 
and unpaid finance charges and fees. This gives us the daily balance. 
payment or credits  and unpaid finance charges and fees. This gives us 
Then we add up all the daily balances for the billing cycle and divide 
Then we add up all the daily balances for the billing cycle and divide 
Then we add up all the daily balances for the billing cycle and divide 
Then we add up all the daily balances for the billing cycle and divide 
the daily balance. Then we add up all the daily balances for the billing 
the total by the number of days in the billing cycle. This gives us the 
the total by the number of days in the billing cycle. This gives us the 
the total by the number of days in the billing cycle. This gives us the 
the total by the number of days in the billing cycle. This gives us the 
cycle and divide the total by the number of days in the billing cycle. This 
“average daily balance.” 
“average daily balance.” 
“average daily balance.” 
“average daily balance.” 
gives us the “average daily balance.” 
The following applies to variable rate Visa Signature cards only:
The following applies to variable rate Visa Signature cards only:
The following applies to variable rate Visa Signature cards only:
The following applies to variable rate Visa Signature cards only:
The following applies to variable rate Visa Signature cards only:
a)  The rate may be changed monthly by Wings Financial.
a)  The rate may be changed monthly by Wings Financial.
a)  The rate may be changed monthly by Wings Financial.
a)  The rate may be changed monthly by Wings Financial.
a)  The rate may be changed monthly by Wings Financial.
b)  Any change to your account will not apply until the first day of your 
b)  Any change to your account will not apply until the first day of your 
b)  Any change to your account will not apply until the first day of your 
b)  Any change to your account will not apply until the first day of your 
b) Any change to your account will not apply until the first day of your 
  next billing cycle that begins after a rate change date.
next billing cycle that begins after a rate change date.
next billing cycle that begins after a rate change date.
next billing cycle that begins after a rate change date.
next billing cycle that begins after a rate change date.
c)  The Annual Percentage Rate will be determined monthly by 
c)    The Annual Percentage Rate will be determined monthly by  
c)    The Annual Percentage Rate will be determined monthly by  
c)    The Annual Percentage Rate will be determined monthly by  
c)    The Annual Percentage Rate will be determined monthly by  
  adding a margin to an Index value. The Index value is the Prime 
adding a margin to an Index value. For Visa Signature, the margin is 
adding a margin to an Index value. For Visa Signature, the margin is 
adding a margin to an Index value. For Visa Signature, the margin is 
adding a margin to an Index value. For Visa Signature, the margin is 
Interest Rate published in the Wall Street Journal “Money Rates”  
9.45% to 14.45%. The Index value is the Prime Interest Rate published 
9.45% to 14.45%. The Index value is the Prime Interest Rate published 
9.45% to 14.45%. The Index value is the Prime Interest Rate published 
9.45% to 14.45%. The Index value is the Prime Interest Rate published 
table on the last business day of the month (or next business day 
in the Wall Street Journal “Money Rates” table on the last business 
in the Wall Street Journal “Money Rates” table on the last business 
in the Wall Street Journal “Money Rates” table on the last business 
in the Wall Street Journal “Money Rates” table on the last business 
if the last day falls on a weekend or holiday).
day of the month (or next business day if the last day falls on a week-
day of the month (or next business day if the last day falls on a week-
day of the month (or next business day if the last day falls on a week-
day of the month (or next business day if the last day falls on a week-
end or holiday).
end or holiday).
end or holiday).
end or holiday).
d) An increase in the “Index” will result in an increase in the FINANCE 
  CHARGE, and it may have the effect of increasing your Minimum 
d)  An increase in the “Index” will result in an increase in the FINANCE 
d)  An increase in the “Index” will result in an increase in the FINANCE 
d)  An increase in the “Index” will result in an increase in the FINANCE 
d)  An increase in the “Index” will result in an increase in the FINANCE 
  Payment. A decrease in the “Index” will have the opposite effect of an 
CHARGE, and it may have the effect of increasing your Minimum 
CHARGE, and it may have the effect of increasing your Minimum 
CHARGE, and it may have the effect of increasing your Minimum 
CHARGE, and it may have the effect of increasing your Minimum 
increase. The maximum ANNUAL PERCENTAGE RATE a Visa Signature 
Payment. A decrease in the “Index” will have the opposite effect of an 
Payment. A decrease in the “Index” will have the opposite effect of an 
Payment. A decrease in the “Index” will have the opposite effect of an 
Payment. A decrease in the “Index” will have the opposite effect of an 
increase. The maximum ANNUAL PERCENTAGE RATE a Visa Signature 
increase. The maximum ANNUAL PERCENTAGE RATE a Visa Signature 
increase. The maximum ANNUAL PERCENTAGE RATE a Visa Signature 
increase. The maximum ANNUAL PERCENTAGE RATE a Visa Signature 
  will increase to is 18.00%.
will increase to is 18.00%.
will increase to is 18.00%.
will increase to is 18.00%.
will increase to is 18.00%.

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 
charged to your Credit Card Account: Cash Advance, either $10, or 2% 
charged to your Credit Card Account: Cash Advance, either $10, or 2% 
charged to your Credit Card Account: Cash Advance, either $10, or 2% 
charged to your Credit Card Account: Cash Advance, either $10, or 2% 
of the amount of each Cash Advance, whichever is greater; Returned 
of the amount of each Cash Advance, whichever is greater; Returned 
of the amount of each Cash Advance, whichever is greater; Returned 
of the amount of each Cash Advance, whichever is greater; Returned 
Payment fee up to $27; Replacement fee for lost card, $10; Late Payment 
Payment fee up to $27; Replacement fee for lost card, $10; Late Payment 
Payment fee up to $27; Replacement fee for lost card, $10; Late Payment 
Payment fee up to $27; Replacement fee for lost card, $10; Late Payment 
fee up to $27; Statement Copy fee, $2; and Copy Of Charge Slip, $2. A fee 
fee up to $27; Statement Copy fee, $2; and Copy Of Charge Slip, $2. A fee 
fee up to $27; Statement Copy fee, $2; and Copy Of Charge Slip, $2. A fee 
fee up to $27; Statement Copy fee, $2; and Copy Of Charge Slip, $2. A fee 
may be imposed for a transaction or balance inquiry at an ATM by an ATM 
may be imposed for a transaction or balance inquiry at an ATM by an ATM 
may be imposed for a transaction or balance inquiry at an ATM by an ATM 
may be imposed for a transaction or balance inquiry at an ATM by an ATM 
operator or by a national, regional, or local network used to complete a 
operator or by a national, regional, or local network used to complete a 
operator or by a national, regional, or local network used to complete a 
operator or by a national, regional, or local network used to complete a 
transaction.
transaction.
transaction.
transaction.
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 
of $1.00, we will mail to you, on a date selected by us, a periodic monthly 
of $1.00, we will mail to you, on a date selected by us, a periodic monthly 
of $1.00, we will mail to you, on a date selected by us, a periodic monthly 
of $1.00, we will mail to you, on a date selected by us, a periodic monthly 
statement listing all amounts you owe on this account. You agree to 
statement listing all amounts you owe on this account. You agree to 
statement listing all amounts you owe on this account. You agree to 
statement listing all amounts you owe on this account. You agree to 
examine the statement upon receipt and immediately notify us of any 
examine the statement upon receipt and immediately notify us of any 
examine the statement upon receipt and immediately notify us of any 
examine the statement upon receipt and immediately notify us of any 
charge or item which you believe is an error or subject to dispute. If you 
charge or item which you believe is an error or subject to dispute. If you 
charge or item which you believe is an error or subject to dispute. If you 
charge or item which you believe is an error or subject to dispute. If you 
do not notify us within 60 days of the billing date of such inaccuracies, 
do not notify us within 60 days of the billing date of such inaccuracies, 
do not notify us within 60 days of the billing date of such inaccuracies, 
do not notify us within 60 days of the billing date of such inaccuracies, 
the statement will be considered by us to be accepted by you as correct. 
the statement will be considered by us to be accepted by you as correct. 
the statement will be considered by us to be accepted by you as correct. 
the statement will be considered by us to be accepted by you as correct. 
Every month you must pay, in United States dollars, at least the Minimum 
Every month you must pay, in United States dollars, at least the Minimum 
Every month you must pay, in United States dollars, at least the Minimum 
Every month you must pay, in United States dollars, at least the Minimum 
Payment required within 25 days of your statement closing date as shown 
Payment required within 25 days of your statement closing date as shown 
Payment required within 25 days of your statement closing date as shown 
Payment required within 25 days of your statement closing date as shown 
on your monthly statement. You may, of course, pay more frequently, pay 
on your monthly statement. You may, of course, pay more frequently, pay 
on your monthly statement. You may, of course, pay more frequently, pay 
on your monthly statement. You may, of course, pay more frequently, pay 
more than the Minimum Payment, or pay the Total New Balance in full,  
more than the Minimum Payment, or pay the Total New Balance in full,  
more than the Minimum Payment, or pay the Total New Balance in full,  
more than the Minimum Payment, or pay the Total New Balance in full,  
and reduce the finance charge by doing so. The Minimum Payment will 
and reduce the finance charge by doing so. The Minimum Payment will 
and reduce the finance charge by doing so. The Minimum Payment will 
and reduce the finance charge by doing so. The Minimum Payment will 
either be: 
either be: 
either be: 
either be: 
a)  two percent (2%) of your total New Balance or $25.00, whichever is 
a)  two percent (2%) of your total New Balance or $25.00, whichever is 
a)  two percent (2%) of your total New Balance or $25.00, whichever is 
a)  two percent (2%) of your total New Balance or $25.00, whichever is 
greater, or
greater, or
greater, or
b)  your Total New Balance, if it is less than $25.00, and/or
b)  your Total New Balance, if it is less than $25.00, and/or
b)  your Total New Balance, if it is less than $25.00, and/or
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) 
which remains unpaid.
which remains unpaid.
which remains unpaid.

b)  your Total New Balance, if it is less than $25.00, and/or
c)  any portion of the Minimum Payment(s) shown on prior statement(s) 

which remains unpaid.

greater, or

In addition, if at any time your Total New Balance exceeds your  
In addition, if at any time your Total New Balance exceeds your  
In addition, if at any time your Total New Balance exceeds your  
In addition, if at any time your Total New Balance exceeds your  
Credit Limit, you must immediately pay the excess upon our demand.  
Credit Limit, you must immediately pay the excess upon our demand.  
Credit Limit, you must immediately pay the excess upon our demand.  
Credit Limit, you must immediately pay the excess upon our demand.  
We will apply your payments up to the Minimum Payment Due to interest 
We will apply your payments up to the Minimum Payment Due to interest 
We will apply your payments up to the Minimum Payment Due to interest 
We will apply your payments up to the Minimum Payment Due to interest 
and fees and then balances in ascending annual percentage rate order. 
and fees and then balances in ascending annual percentage rate order. 
and fees and then balances in ascending annual percentage rate order. 
and fees and then balances in ascending annual percentage rate order. 
We will apply payments made in excess of the Minimum Payment Due to 
We will apply payments made in excess of the Minimum Payment Due to 
We will apply payments made in excess of the Minimum Payment Due to 
We will apply payments made in excess of the Minimum Payment Due to 
balances in descending annual percentage rate order.
balances in descending annual percentage rate order.
balances in descending annual percentage rate order.
balances in descending annual percentage rate order.
For purposes of this Agreement, the payment date is the day we receive 
For purposes of this Agreement, the payment date is the day we receive 
For purposes of this Agreement, the payment date is the day we receive 
For purposes of this Agreement, the payment date is the day we receive 
your check or money order at the address specified on your monthly ac-
your check or money order at the address specified on your monthly ac-
your check or money order at the address specified on your monthly ac-
your check or money order at the address specified on your monthly ac-
count statement or the day we receive your electronic or phone payment. 
count statement or the day we receive your electronic or phone payment. 
count statement or the day we receive your electronic or phone payment. 
count statement or the day we receive your electronic or phone payment. 
If you mail your payment without a payment coupon or to an incorrect  
If you mail your payment without a payment coupon or to an incorrect  
If you mail your payment without a payment coupon or to an incorrect  
If you mail your payment without a payment coupon or to an incorrect  
address, it may result in a delayed credit to your account, additional  
address, it may result in a delayed credit to your account, additional  
address, it may result in a delayed credit to your account, additional  
address, it may result in a delayed credit to your account, additional  
Interest charges and/or fees. You will be responsible for all matters shown 
Interest charges and/or fees. You will be responsible for all matters shown 
Interest charges and/or fees. You will be responsible for all matters shown 
Interest charges and/or fees. You will be responsible for all matters shown 
on each monthly statement unless you notify us in writing of any dispute 
on each monthly statement unless you notify us in writing of any dispute 
on each monthly statement unless you notify us in writing of any dispute 
on each monthly statement unless you notify us in writing of any dispute 
within 60 days after the statement date in the manner required by the 
within 60 days after the statement date in the manner required by the 
within 60 days after the statement date in the manner required by the 
within 60 days after the statement date in the manner required by the 
notice entitled “Your Billing Rights – Keep This Notice For Future Use” 
notice entitled “Your Billing Rights – Keep This Notice For Future Use” 
notice entitled “Your Billing Rights – Keep This Notice For Future Use” 
notice entitled “Your Billing Rights – Keep This Notice For Future Use” 
included in this Agreement.
included in this Agreement.
included in this Agreement.
included in this Agreement.
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  
Payment within 25 days after the monthly statement closing date.  
Payment within 25 days after the monthly statement closing date.  
Payment within 25 days after the monthly statement closing date.  
Payment within 25 days after the monthly statement closing date.  
You will also be in default:
You will also be in default:
You will also be in default:
You will also be in default:
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,
b)  if there are bankruptcy or insolvency proceedings involving you,
b)  if there are bankruptcy or insolvency proceedings involving you,
b)  if there are bankruptcy or insolvency proceedings involving you,
b)  if there are bankruptcy or insolvency proceedings involving you,
c) if you die,
c) if you die,
c) if you die,
c) if you die,
d)  if you make a misrepresentation in connection with your Account,
d)  if you make a misrepresentation in connection with your Account,
d)  if you make a misrepresentation in connection with your Account,
d)  if you make a misrepresentation in connection with your Account,
e)  if you default on any obligation to us, under this Agreement, 
e)  if you default on any obligation to us, under this Agreement, 
e)  if you default on any obligation to us, under this Agreement, 
e)  if you default on any obligation to us, under this Agreement, 
f)  if you cancel your membership or fail to keep the $5 minimum  
f)  if you cancel your membership or fail to keep the $5 minimum  
f)  if you cancel your membership or fail to keep the $5 minimum  
f)  if you cancel your membership or fail to keep the $5 minimum  
membership share on deposit with us, or
membership share on deposit with us, or
membership share on deposit with us, or
g) if you exceed your Line-of-Credit.
g) if you exceed your Line-of-Credit.
g) if you exceed your Line-of-Credit.
g) if you exceed your Line-of-Credit.
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  
balance if you are in default. If you are in default, we may close the  
balance if you are in default. If you are in default, we may close the  
balance if you are in default. If you are in default, we may close the  
balance if you are in default. If you are in default, we may close the  
card and/or terminate the limit. If permitted by law, you will also be 
card and/or terminate the limit. If permitted by law, you will also be 
card and/or terminate the limit. If permitted by law, you will also be 
card and/or terminate the limit. If permitted by law, you will also be 
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 
reasonable attorney’s fees.
reasonable attorney’s fees.
reasonable attorney’s fees.
reasonable attorney’s fees.

membership share on deposit with us, 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 
7.  Lost Card Notification. If you believe your Card has been lost or 
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  
(800) 449-7728. Address all written correspondence to Payment Systems, 
(800) 449-7728. Address all written correspondence to Payment Systems, 
(800) 449-7728. Address all written correspondence to Payment Systems, 
(800) 449-7728. Address all written correspondence to Payment Systems, 
Wings Financial Credit Union, 14985 Glazier Avenue, Apple Valley, MN 
Wings Financial Credit Union, 14985 Glazier Avenue, Apple Valley, MN 
Wings Financial Credit Union, 14985 Glazier Avenue, Apple Valley, MN 
Wings Financial Credit Union, 14985 Glazier Avenue, Apple Valley, MN 
55124.
55124.
55124.
55124.
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  
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 
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 
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. 
If your statement shows transfers that you did not make, tell us at once. If 
If your statement shows transfers that you did not make, tell us at once. If 
If your statement shows transfers that you did not make, tell us at once. If 
If your statement shows transfers that you did not make, tell us at once. If 
you do not tell us within sixty (60) days after the statement was mailed to 
you do not tell us within sixty (60) days after the statement was mailed to 
you do not tell us within sixty (60) days after the statement was mailed to 
you do not tell us within sixty (60) days after the statement was mailed to 
you, you may not get back any money you lost after the sixty (60) days if 
you, you may not get back any money you lost after the sixty (60) days if 
you, you may not get back any money you lost after the sixty (60) days if 
you, you may not get back any money you lost after the sixty (60) days if 
we can prove that we could have stopped someone from taking the money 
we can prove that we could have stopped someone from taking the money 
we can prove that we could have stopped someone from taking the money 
we can prove that we could have stopped someone from taking the money 
if you had told us in time. If a good reason (such as a long trip or hospital 
if you had told us in time. If a good reason (such as a long trip or hospital 
if you had told us in time. If a good reason (such as a long trip or hospital 
if you had told us in time. If a good reason (such as a long trip or hospital 
stay) kept you from telling us, we will extend the time period.
stay) kept you from telling us, we will extend the time period.
stay) kept you from telling us, we will extend the time period.
stay) kept you from telling us, we will extend the time period.
Business or organization accounts in which ten or more cards have been 
Business or organization accounts in which ten or more cards have been 
Business or organization accounts in which ten or more cards have been 
Business or organization accounts in which ten or more cards have been 
issued to employees or associates are not subject to the limitations on 
issued to employees or associates are not subject to the limitations on 
issued to employees or associates are not subject to the limitations on 
issued to employees or associates are not subject to the limitations on 
liability.
liability.
liability.
liability.
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  
approved Line-of-Credit. Each payment you make on the Account will 
approved Line-of-Credit. Each payment you make on the Account will 
approved Line-of-Credit. Each payment you make on the Account will 
approved Line-of-Credit. Each payment you make on the Account will 
restore your Line-of-Credit by the amount of payment which is applied to 
restore your Line-of-Credit by the amount of payment which is applied to 
restore your Line-of-Credit by the amount of payment which is applied to 
restore your Line-of-Credit by the amount of payment which is applied to 
the principal. You may request an increase in your Line-of-Credit, which 
the principal. You may request an increase in your Line-of-Credit, which 
the principal. You may request an increase in your Line-of-Credit, which 
the principal. You may request an increase in your Line-of-Credit, which 
must be approved by us, by calling or writing us. We may, at our discretion, 
must be approved by us, by calling or writing us. We may, at our discretion, 
must be approved by us, by calling or writing us. We may, at our discretion, 
must be approved by us, by calling or writing us. We may, at our discretion, 
increase your Line-of-Credit from time to time upon notifying you in 
increase your Line-of-Credit from time to time upon notifying you in 
increase your Line-of-Credit from time to time upon notifying you in 
increase your Line-of-Credit from time to time upon notifying you in 
writing of the increase. By giving you written notice, we may reduce your 
writing of the increase. By giving you written notice, we may reduce your 
writing of the increase. By giving you written notice, we may reduce your 
writing of the increase. By giving you written notice, we may reduce your 
Line-of-Credit at any time. We may also, with good cause, revoke your 
Line-of-Credit at any time. We may also, with good cause, revoke your 
Line-of-Credit at any time. We may also, with good cause, revoke your 
Line-of-Credit at any time. We may also, with good cause, revoke your 
Card and terminate this Agreement. Good cause includes your failure to 
Card and terminate this Agreement. Good cause includes your failure to 
Card and terminate this Agreement. Good cause includes your failure to 
Card and terminate this Agreement. Good cause includes your failure to 
comply with this Agreement, or our decision that you are no longer a good 
comply with this Agreement, or our decision that you are no longer a good 
comply with this Agreement, or our decision that you are no longer a good 
comply with this Agreement, or our decision that you are no longer a good 
credit risk. Such termination by us does not affect your obligation to pay us 
credit risk. Such termination by us does not affect your obligation to pay us 
credit risk. Such termination by us does not affect your obligation to pay us 
credit risk. Such termination by us does not affect your obligation to pay us 
the Account balance. “Line-of-Credit” may also be called “Credit Limit”  
the Account balance. “Line-of-Credit” may also be called “Credit Limit”  
the Account balance. “Line-of-Credit” may also be called “Credit Limit”  
the Account balance. “Line-of-Credit” may also be called “Credit Limit”  
in this Agreement and in your monthly statement. 
in this Agreement and in your monthly statement. 
in this Agreement and in your monthly statement. 
in this Agreement and in your monthly statement. 
10.  Credit Information. At any time we may request, and you will give, 
10.  Credit Information. At any time we may request, and you will give, 
10.  Credit Information. At any time we may request, and you will give, 
10.  Credit Information. At any time we may request, and you will give, 
information to us as we deem necessary to reevaluate your Account or 
information to us as we deem necessary to reevaluate your Account or 
information to us as we deem necessary to reevaluate your Account or 
information to us as we deem necessary to reevaluate your Account or 
creditworthiness. You authorize us to investigate your credit standing at 
creditworthiness. You authorize us to investigate your credit standing at 
creditworthiness. You authorize us to investigate your credit standing at 
creditworthiness. You authorize us to investigate your credit standing at 
any time, and you authorize us to disclose information regarding your 
any time, and you authorize us to disclose information regarding your 
any time, and you authorize us to disclose information regarding your 
any time, and you authorize us to disclose information regarding your 
account to credit bureaus and other creditors who ask us about your credit 
account to credit bureaus and other creditors who ask us about your credit 
account to credit bureaus and other creditors who ask us about your credit 
account to credit bureaus and other creditors who ask us about your credit 
standing. We will take reasonable steps to protect your rights under 
standing. We will take reasonable steps to protect your rights under 
standing. We will take reasonable steps to protect your rights under 
standing. We will take reasonable steps to protect your rights under 
Federal and State law.
Federal and State law.
Federal and State law.
Federal and State law.
11.  Using the Card. To make a purchase or cash advance, there are two 
11.  Using the Card. To make a purchase or cash advance, there are two 
11.  Using the Card. To make a purchase or cash advance, there are two 
11.  Using the Card. To make a purchase or cash advance, there are two 
alternative procedures that you may follow. One is for you to present  
alternative procedures that you may follow. One is for you to present  
alternative procedures that you may follow. One is for you to present  
alternative procedures that you may follow. One is for you to present  
the Card to a participating plan merchant, to us, or to another financial  
the Card to a participating plan merchant, to us, or to another financial  
the Card to a participating plan merchant, to us, or to another financial  
the Card to a participating plan merchant, to us, or to another financial  
institution, and sign the sales or cash advance draft which will be  
institution, and sign the sales or cash advance draft which will be  
institution, and sign the sales or cash advance draft which will be  
institution, and sign the sales or cash advance draft which will be  
imprinted with your Card. The other is to complete the transaction by  
imprinted with your Card. The other is to complete the transaction by  
imprinted with your Card. The other is to complete the transaction by  
imprinted with your Card. The other is to complete the transaction by  
using your Personal Identification Number (PIN) together with the Card  
using your Personal Identification Number (PIN) together with the Card  
using your Personal Identification Number (PIN) together with the Card  
using your Personal Identification Number (PIN) together with the Card  
in an Automated Teller Machine or other type of electronic terminal that  
in an Automated Teller Machine or other type of electronic terminal that  
in an Automated Teller Machine or other type of electronic terminal that  
in an Automated Teller Machine or other type of electronic terminal that  
provides access to the Credit Card system. The monthly statement will 
provides access to the Credit Card system. The monthly statement will 
provides access to the Credit Card system. The monthly statement will 
provides access to the Credit Card system. The monthly statement will 
identify the merchant, electronic terminal, or financial institution at which 
identify the merchant, electronic terminal, or financial institution at which 
identify the merchant, electronic terminal, or financial institution at which 
identify the merchant, electronic terminal, or financial institution at which 
transactions were made. Sales, cash advance, credit or other slips will not 
transactions were made. Sales, cash advance, credit or other slips will not 
transactions were made. Sales, cash advance, credit or other slips will not 
transactions were made. Sales, cash advance, credit or other slips will not 
be returned with the monthly statement. You will keep the copy of the 
be returned with the monthly statement. You will keep the copy of the 
be returned with the monthly statement. You will keep the copy of the 
be returned with the monthly statement. You will keep the copy of the 
slips furnished at the time of the transaction in order to verify the monthly 
slips furnished at the time of the transaction in order to verify the monthly 
slips furnished at the time of the transaction in order to verify the monthly 
slips furnished at the time of the transaction in order to verify the monthly 
statement. There is a limitation of 20 transactions per day. Your Card 
statement. There is a limitation of 20 transactions per day. Your Card 
statement. There is a limitation of 20 transactions per day. Your Card 
statement. There is a limitation of 20 transactions per day. Your Card 
may not be used to make payments on any other Wings card or loan, this 
may not be used to make payments on any other Wings card or loan, this 
may not be used to make payments on any other Wings card or loan, this 
may not be used to make payments on any other Wings card or loan, this 
includes balance transfers and cash advances.
includes balance transfers and cash advances.
includes balance transfers and cash advances.
includes balance transfers and cash advances.
12. Returns and Adjustments. Merchants and others who honor the  
12. Returns and Adjustments. Merchants and others who honor the  
12. Returns and Adjustments. Merchants and others who honor the  
12. Returns and Adjustments. Merchants and others who honor the  
Card may give credit for returns or adjustments, and they will do so by  
Card may give credit for returns or adjustments, and they will do so by  
Card may give credit for returns or adjustments, and they will do so by  
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 credits  
issuing a credit slip which will be posted to your Account. If your credits  
issuing a credit slip which will be posted to your Account. If your credits  
issuing a credit slip which will be posted to your Account. If your credits  

and payments exceed what you owe us, we will apply this credit balance 
and payments exceed what you owe us, we will apply this credit balance 
and payments exceed what you owe us, we will apply this credit balance 
and payments exceed what you owe us, we will apply this credit balance 
against future purchases and cash advances to your Account. If this credit 
against future purchases and cash advances to your Account. If this credit 
against future purchases and cash advances to your Account. If this credit 
against future purchases and cash advances to your Account. If this credit 
balance is $1.00 or more, we will refund it per your written request.
balance is $1.00 or more, we will refund it per your written request.
balance is $1.00 or more, we will refund it per your written request.
balance is $1.00 or more, we will refund it per your written request.
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  
in foreign countries’ currencies will be billed to you in U.S. dollars. The 
in foreign countries’ currencies will be billed to you in U.S. dollars. The 
in foreign countries’ currencies will be billed to you in U.S. dollars. The 
in foreign countries’ currencies will be billed to you in U.S. dollars. The 
conversion to dollars will be made according to the operating regulations 
conversion to dollars will be made according to the operating regulations 
conversion to dollars will be made according to the operating regulations 
conversion to dollars will be made according to the operating regulations 
for international transactions established by VISA International, Inc.  
for international transactions established by VISA International, Inc.  
for international transactions established by VISA International, Inc.  
for international transactions established by VISA International, Inc.  
Currently, those regulations provide that the currency conversion rate to 
Currently, those regulations provide that the currency conversion rate to 
Currently, those regulations provide that the currency conversion rate to 
Currently, those regulations provide that the currency conversion rate to 
be used is either a wholesale market rate or a government mandated rate 
be used is either a wholesale market rate or a government mandated rate 
be used is either a wholesale market rate or a government mandated rate 
be used is either a wholesale market rate or a government mandated rate 
in effect one day prior to the processing date. The currency conversion 
in effect one day prior to the processing date. The currency conversion 
in effect one day prior to the processing date. The currency conversion 
in effect one day prior to the processing date. The currency conversion 
rate in effect on the processing date may differ from the rate in effect on 
rate in effect on the processing date may differ from the rate in effect on 
rate in effect on the processing date may differ from the rate in effect on 
rate in effect on the processing date may differ from the rate in effect on 
the transaction date or the posting date. The currency conversion rate 
the transaction date or the posting date. The currency conversion rate 
the transaction date or the posting date. The currency conversion rate 
the transaction date or the posting date. The currency conversion rate 
used may be the same as, greater than or less than the amount that would 
used may be the same as, greater than or less than the amount that would 
used may be the same as, greater than or less than the amount that would 
used may be the same as, greater than or less than the amount that would 
be calculated by conversion through a financial institution in the country 
be calculated by conversion through a financial institution in the country 
be calculated by conversion through a financial institution in the country 
be calculated by conversion through a financial institution in the country 
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  
currency conversion rate which is used and we do not receive any portion 
currency conversion rate which is used and we do not receive any portion 
currency conversion rate which is used and we do not receive any portion 
currency conversion rate which is used and we do not receive any portion 
of the currency conversion rate.
of the currency conversion rate.
of the currency conversion rate.
of the currency conversion rate.
14.  Irregular Payments. We may accept late payments, partial payments, 
14.  Irregular Payments. We may accept late payments, partial payments, 
14.  Irregular Payments. We may accept late payments, partial payments, 
14.  Irregular Payments. We may accept late payments, partial payments, 
and checks marked “Payment in Full” and disregard such statements (or 
and checks marked “Payment in Full” and disregard such statements (or 
and checks marked “Payment in Full” and disregard such statements (or 
and checks marked “Payment in Full” and disregard such statements (or 
accompanying) without waiving or losing any right to demand payment  
accompanying) without waiving or losing any right to demand payment  
accompanying) without waiving or losing any right to demand payment  
accompanying) without waiving or losing any right to demand payment  
as set forth in this Agreement.
as set forth in this Agreement.
as set forth in this Agreement.
as set forth in this Agreement.
15.  Termination. You may terminate this Agreement at any time without 
15.  Termination. You may terminate this Agreement at any time without 
15.  Termination. You may terminate this Agreement at any time without 
15.  Termination. You may terminate this Agreement at any time without 
reason by notifying us in writing. Upon termination, you will return  
reason by notifying us in writing. Upon termination, you will return  
reason by notifying us in writing. Upon termination, you will return  
reason by notifying us in writing. Upon termination, you will return  
your cards, which you will have cut in half. Your obligations under this 
your cards, which you will have cut in half. Your obligations under this 
your cards, which you will have cut in half. Your obligations under this 
your cards, which you will have cut in half. Your obligations under this 
Agreement, and any subsequent amendments made to it, will continue 
Agreement, and any subsequent amendments made to it, will continue 
Agreement, and any subsequent amendments made to it, will continue 
Agreement, and any subsequent amendments made to it, will continue 
until the balance due on the Account is paid.
until the balance due on the Account is paid.
until the balance due on the Account is paid.
until the balance due on the Account is paid.
16.  Skip Payment Option. At the option of Wings Financial, a minimum 
16.  Skip Payment Option. At the option of Wings Financial, a minimum 
16.  Skip Payment Option. At the option of Wings Financial, a minimum 
16.  Skip Payment Option. At the option of Wings Financial, a minimum 
payment may be waived during certain billing cycles. If such a waiver  
payment may be waived during certain billing cycles. If such a waiver  
payment may be waived during certain billing cycles. If such a waiver  
payment may be waived during certain billing cycles. If such a waiver  
occurs, finance charges will continue to apply to the Account during the 
occurs, finance charges will continue to apply to the Account during the 
occurs, finance charges will continue to apply to the Account during the 
occurs, finance charges will continue to apply to the Account during the 
skip payment billing cycle. Beginning with the billing cycle following  
skip payment billing cycle. Beginning with the billing cycle following  
skip payment billing cycle. Beginning with the billing cycle following  
skip payment billing cycle. Beginning with the billing cycle following  
the skip payment, all provisions of the Agreement shall apply.
the skip payment, all provisions of the Agreement shall apply.
the skip payment, all provisions of the Agreement shall apply.
the skip payment, all provisions of the Agreement shall apply.
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 
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.
18.  Governing Law. This Agreement and your account shall be governed  
18.  Governing Law. This Agreement and your account shall be governed  
18.  Governing Law. This Agreement and your account shall be governed  
18.  Governing Law. This Agreement and your account shall be governed  
by Minnesota law and the laws of the United States.
by Minnesota law and the laws of the United States.
by Minnesota law and the laws of the United States.
by Minnesota law and the laws of the United States.
19.  Successors and Assigns. You agree that Wings Financial may at  
19.  Successors and Assigns. You agree that Wings Financial may at  
19.  Successors and Assigns. You agree that Wings Financial may at  
19.  Successors and Assigns. You agree that Wings Financial may at  
any time assign or transfer to another person your Account, your Account  
any time assign or transfer to another person your Account, your Account  
any time assign or transfer to another person your Account, your Account  
any time assign or transfer to another person your Account, your Account  
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 
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 
your heirs and legal representatives.
your heirs and legal representatives.
your heirs and legal representatives.
your heirs and legal representatives.
20.  Other Provisions. If any part of this Agreement is not valid,  
20.  Other Provisions. If any part of this Agreement is not valid,  
20.  Other Provisions. If any part of this Agreement is not valid,  
20.  Other Provisions. If any part of this Agreement is not valid,  
all other parts will remain enforceable.
all other parts will remain enforceable.
all other parts will remain enforceable.
all other parts will remain enforceable.
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  
Payment option, all Payments due will automatically be deducted from 
Payment option, all Payments due will automatically be deducted from 
Payment option, all Payments due will automatically be deducted from 
Payment option, all Payments due will automatically be deducted from 
your designated share savings or checking account balance any day  
your designated share savings or checking account balance any day  
your designated share savings or checking account balance any day  
your designated share savings or checking account balance any day  
within four business days after the payment due date. A fee of up to $27 
within four business days after the payment due date. A fee of up to $27 
within four business days after the payment due date. A fee of up to $27 
within four business days after the payment due date. A fee of up to $27 
may be assessed to your credit card if there are insufficient funds to  
may be assessed to your credit card if there are insufficient funds to  
may be assessed to your credit card if there are insufficient funds to  
may be assessed to your credit card if there are insufficient funds to  
make your payment.
make your payment.
make your payment.
make your payment.
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  
Agreement.
Agreement.
Agreement.
Agreement.
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 
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 
amended or supplemented from time to time, if your signature on a copy 
amended or supplemented from time to time, if your signature on a copy 
amended or supplemented from time to time, if your signature on a copy 
amended or supplemented from time to time, if your signature on a copy 
of this Agreement is required by law.
of this Agreement is required by law.
of this Agreement is required by law.
of this Agreement is required by law.
24.  ATM Security. Do not write your PIN on your card or keep your PIN in 
24.  ATM Security. Do not write your PIN on your card or keep your PIN in 
24.  ATM Security. Do not write your PIN on your card or keep your PIN in 
24.  ATM Security. Do not write your PIN on your card or keep your PIN in 
your purse or wallet or anywhere else where someone might find it and 
your purse or wallet or anywhere else where someone might find it and 
your purse or wallet or anywhere else where someone might find it and 
your purse or wallet or anywhere else where someone might find it and 
associate it with your card. Do not use an ATM machine unless it appears 
associate it with your card. Do not use an ATM machine unless it appears 
associate it with your card. Do not use an ATM machine unless it appears 
associate it with your card. Do not use an ATM machine unless it appears