CREDIT CARD AGREEMENT AND
                                                   TRUTH-IN-LENDING DISCLOSURE STATEMENT
    BORROWER 1 NAME                                              ACCOUNT NUMBER
    BORROWER 2 NAME                                              DATE
    In this Agreement, �You� and �your� mean any person who accepts this Agreement or uses the Card. The �Card� means any 
    credit card issued to you or those designated by you under the terms of this Agreement. �We�, �us�, �our� and the �Credit Union� 
    means Blackhawk Community Credit Union or its successors. By using your card, you agree to all of the terms and conditions 
    set forth herein.
    The following disclosure represents important details concerning your credit card. We reserve the right to periodically review 
    your credit standing and to increase any rate on your new balances, in accordance with applicable law.
     INTEREST RATES and INTEREST CHARGES:
     Annual Percentage Rate (APR) 
                                9.25 %
     for Purchases, Cash Advances, 
                            This APR will vary with the market based on the Prime Rate*.
     & Balance Transfers
     Penalty APR and When it Applies None
     Paying Interest        Your due date is at least 21 days after we mail your billing statement. We will not 
                            charge you interest on purchases or balance transfers if you pay your entire new 
                            purchase or balance transfer balance by the due date each month.
                            For Cash Advances, we will begin charging interest on the date the cash advance is 
                            posted to your account.
     Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.
     For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit 
     the Consumer Financial  card, visit the website of the Consumer Financial Protection Bureau at
     Protection Bureau      http://www.consumerfinance.gov/learnmore
     FEES:
     Fees to Open or Maintain 
     your Account
       � Annual Fee:        None
       � Application Fee:   None
     Transaction Fees
       � Balance Transfer:  None
       � Cash Advance:      None
       � Foreign Transaction: A 1% Visa International Service Assessment Fee will be assessed on all transactions 
                            the merchant processes outside the United States (which may include internet 
                            transactions), regardless of whether you are located inside or outside the United 
                            States at the time of the transaction.
     Penalty Fees
       � Late Payment:      Up to $25.00 if your minimum payment is not received by the end of the billing 
                            cycle as shown on your periodic statement.
       � Returned Payment:  Up to $15.00 if your payment is returned for any reason.
    How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your 
    account agreement for more details.
                     SEE NEXT PAGE for more important information about this account
    9011/9010 LASER IMM FI14844 Rev 2-2022 page 1 of 4   COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.
    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
    agreement.
    OTHER IMPORTANT DISCLOSURES:
    Other Fees: In addition to the fees disclosed above, the following fees may be imposed:
         Lost Card/Replacement Fee: $10.00
         Returned/Undeliverable Mail Fee: $10.00
         Design Your Own Card Fee: $15.00
                                            Others Using Your Account. If you allow anyone else to use your account, 
     THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR 
                                            you will be liable for all credit extended to such persons. You promise to pay 
     THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
                                            for all purchases and advances made by anyone you authorize to use your 
     YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY  account, whether or not you notify us that he or she will be using it. If 
     INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE  someone else is authorized to use your account and you want to end that 
     WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF  person's privilege, you must notify us in writing, and if he or she has a Card, 
     CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE  you must return that Card with your written notice for it to be effective.
     THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE 
                                            Ownership of Card. Your Card remains our property and may be cancelled 
     AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY 
                                            by us at any time without notice. You agree to surrender your Card and to 
     YOUR SHARES TO THE AMOUNT YOU OWE.
                                            discontinue use of the account immediately upon our request.
     Shares and deposits in an Individual Retirement Account or any other 
                                            Interest Charges. You agree to pay interest at the rate(s) disclosed to you at 
     account that would lose special tax treatment under state or federal law if 
                                            the time you open your account and as may be changed from time to time in 
     given are not subject to this security interest.
                                            accordance with applicable law. Average Daily Balance including new 
     If you have other loans with us, collateral securing such loans will also  transactions: Interest Charges will accrue on your average daily balance 
     secure your obligations under this Agreement, unless that other collateral  outstanding during the month. To get the average daily balance, we take the 
     is your principal residence or non-purchase money household goods. beginning balance each day, add any new purchases, cash advances, 
                                            balance transfers or other advances, and subtract any payments, unpaid 
    Using Your Card. You can purchase or lease goods and services from any  interest charges, and unpaid late charges. This gives us the daily balance. 
    merchant who honors your Card, and you may obtain cash advances from  Then, we add up all the daily balances for the billing cycle and divide that by 
    financial institutions and ATM machines that accept the Card, up to your  the number of days in the billing cycle. We then multiply that by the periodic 
    maximum credit limit. Certain purchases and cash advances require  rate corresponding to the Annual Percentage Rate on your account. If you 
    authorization prior to completion of the transaction. In some cases, you may  have different rates for purchases, cash advances or balance transfers, 
    be asked to provide identification. If our system is not working, we may not be  separate average daily balances for each will be calculated and the 
    able to authorize a transaction, even though you have sufficient credit  appropriate periodic rate is then applied to each.
    available. Also, for security reasons, we may block the use of your Card in  *Variable Rates: The ANNUAL PERCENTAGE RATE (APR) is a variable 
    certain countries or geographic areas. We will have no liability to you or  rate, that may increase or decrease when the Prime Rate, as identified in the 
    others if any of these events occur. For your added convenience, you are able  �Money Rates� column of the Wall Street Journal, changes. We calculate the 
    to extend your credit limit to 5% over your approved credit limit. APR based on the Prime Rate (Index), plus a margin of 4.50%. The APR is 
    Personal Identification Number (PIN). We may issue a Personal  subject to change quarterly and will take effect on the first day of your 
    Identification Number (PIN) for use with your Card. This PIN is confidential  January, April, July and October billing cycles, following a change in the Prime 
    and should not be disclosed to anyone. You may use your PIN and your Card  Rate. The APR will never be more than the maximum rate allowed by 
    to access your account, and all sums advanced will be added to your account  applicable law. Any increase in the APR may increase your Interest Charges 
    balance. In the event a use of your PIN constitutes an Electronic Funds  and your Minimum Payment until what you owe has been repaid.
    Transfer, the terms and conditions of your Electronic Funds Transfer  Daily Periodic Rates: Purchases, Cash Advances, and Balance Transfers: 
    Agreement may affect your rights.       ______________% 0.02534
    Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,  Grace Period on Purchases or Balance Transfers: You can avoid Interest 
    cash advances, and balance transfers made by you or anyone whom you  Charges on purchases and balance transfers by paying the full amount of the 
    authorize to use the Card; (b) all Interest Charges and all other charges or  new balance for purchases or balance transfers each month by the date on 
    fees; and (c) credit in excess of your credit limit that we may extend to you. If  which the payment is due. Otherwise, the new balance of your account, and 
    the Wisconsin Consumer Act does not apply to your Card, you also promise  subsequent advances from the date they are posted to the account, will be 
    to pay collection costs and attorney�s fees as permitted by applicable law. subject to an Interest Charge. You cannot avoid Interest Charges on cash 
    Minimum Payment Requirement: Your minimum monthly payment will be  advances; even if you pay the entire cash advance balance by the payment 
    1% of your total New Balance shown on your billing statement at the end of  due date, you will incur the Interest Charges accrued from the date the cash 
    each billing cycle, plus the amount of any prior payments due that remain  advance is posted to your account.
    unpaid, subject to the lesser of $25 or your account balance. Fees. In addition to the Interest Charges set forth above, you agree to also 
    Illegal Transactions. You agree that your Card and account will not be used  pay any and all fees that you incur as disclosed to you during the term of your 
    to make or facilitate any illegal transactions as determined by applicable law;  Card, including:
    and that any such use will constitute an event of default under this  Foreign Transaction Fee: A 1% Visa International Service Assessment  Foreign Transaction Fee: A 1% Visa International Service Assessment 
    Agreement. We may decline any transaction that we believe to be illegal  Fee will be assessed on all transactions the merchant processes outside  Fee will be assessed on all transactions the merchant processes outside 
    under applicable law, including but not limited to any transaction involving or  the United States (which may include internet transactions), regardless of  the United States (which may include internet transactions), regardless of 
    relating to any gambling activity. You agree that we will have no liability or  whether you are located inside or outside the United States at the time of  whether you are located inside or outside the United States at the time of 
    responsibility for any such use by you or any authorized user(s); or for  the transaction; the transaction;
    declining any such transaction. You further agree to indemnify and hold us 
                                             Late Payment Fee: Up to $25.00 if your minimum payment is not received  Late Payment Fee: Up to $25.00 if your minimum payment is not received 
    harmless from any suits, liability, damages or adverse action of any kind that 
                                             by the end of the billing cycle as shown on your periodic statement; by the end of the billing cycle as shown on your periodic statement;
    results directly or indirectly from such illegal use. You promise to pay us any 
                                             Returned Payment Fee: Up to $15.00 if your payment is returned for any  Returned Payment Fee: Up to $15.00 if your payment is returned for any 
    and all amounts owing on your Card for any transactions made by you, even 
                                             reason. reason.
    if the transaction is determined to be illegal.
    Joint Accounts. Each of you will be responsible, jointly and severally, for the 
    repayment of amounts owed, regardless of who initiated any transaction 
    under the account.
    9011/9010 LASER IMM FI14844 Rev 2-2022 page 2 of 4   COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.
    If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree  Foreign Transactions; Currency Conversion. Purchases and cash advances 
    to notify us immediately if your Card is ever lost or stolen or if an unauthorized  made in foreign currencies will be billed to you in U.S. dollars. The conversion 
    use may have occurred. "Unauthorized use" means the use of the Card by  rate in dollars will be a rate selected by the card company from a range of rates 
    someone other than you who does not have actual, implied or apparent  available in wholesale currency markets for the applicable central processing 
    authority for such use, and from which you receive no benefit. The telephone  date, which rate may vary from the rate the card company itself receives, or the 
    number to call is (608) 755-6065 or (800) 779-5555 or after hours call (800)  government-mandated rate in effect for the applicable central processing date in 
    449-7728. You agree to follow up your call with notice in writing to us at: P.O.  each instance. All transactions processed outside of the United States (which 
    Box 5366, 2640 W. Court Street, Janesville, Wisconsin 53547-5366. You also  may include internet transactions) will be charged a foreign transaction fee in 
    agree to assist us in determining the facts, circumstances and other pertinent  the amount disclosed on your Truth-in-Lending Statement (as amended from 
    information relating to any loss, theft or possible unauthorized use of your Card  time to time), even if you are located in the United States.
    and comply with such procedures as we may require in connection with our 
                                            Termination; Change-in-Terms. We may, by written notice, terminate this 
    investigation. You will be liable for any unauthorized use only if we can prove 
                                            Agreement at any time, subject to applicable law. You may terminate this 
    that you were negligent in your use or handling of your Card, or if we can prove 
                                            Agreement by written notice. Termination by either party shall not affect your 
    that you used your Card fraudulently.
                                            obligation to repay any balance on your account resulting from use of the Card 
    Minimum Payment Due; Crediting of Payments. Payments are due in the  as well as Interest Charges and fees incurred. We may change the terms of this 
    amount and on the date disclosed on your billing statement. If your payment is  Agreement, including the method of calculating the periodic rate, at any time, by 
    received by us on a business day at the address designated on the billing  written notice, subject to applicable law. Use of the Card constitutes agreement 
    statement, it will be credited to your account on the date of receipt. If payment is  and acceptance of any change in terms, unless applicable law requires 
    made at any location other than the address designated on the periodic  otherwise. Our failure to exercise any of our rights or to take any action shall not 
    statement, credit for such payment may be delayed up to five (5) days.  constitute a waiver of those rights, or an amendment or change in any of the 
    Payments will be applied in any order we determine, subject to applicable law. terms of this Agreement.
    Default; Acceleration; Credit Suspension; Collection Costs. You will be in  Late or Partial Payments. Any payment that delays the reduction of your 
    default if: (1) you fail to make any payment on time; (2) if you fail to keep any  balance will increase your total interest costs. Partial payments or prepayments 
    promises you have made under this Agreement or under other Agreements you  will not delay your next scheduled payment - you will still need to make the 
    have with us; (3) if you or your spouse die; (4) if you file a petition in bankruptcy  minimum scheduled payment by the next scheduled due date to keep your 
    or have a bankruptcy petition filed against you, or if you become involved in any  account current. We may accept late payments, partial payments, checks or 
    insolvency, receivership or custodial proceeding; (5) if anyone attempts to take  money orders marked "payment in full" and such action shall not constitute final 
    any of your funds held by us via legal process or if you have a judgment or tax  settlement of your account or a waiver or forgiveness of any amounts owing 
    lien filed against you; (6) if you make any false, inaccurate, or misleading  under this Agreement.
    statements in any credit application or credit update; or (7) if we, in good faith, 
                                            Enforcement. We do not lose our rights under this or any related agreement if 
    believe that you or your spouse�s ability to repay what you owe is or soon will 
                                            we delay enforcing them. If any provision of this or any related agreement is 
    be impaired, or that you are unwilling to make your payments.
                                            determined to be unenforceable or invalid, all other provisions remain in full 
    If you are in default, we have the right to demand immediate payment of your  force and effect.
    full account balance without giving you notice. If immediate payment is 
                                            Returns and Adjustments. Merchants and others who honor the Card may 
    demanded, you agree to continue paying interest charges and fees until what 
                                            give credit for returns or adjustments, and they will do so by submitting a credit 
    you owe has been paid, and any shares that were given as security for your 
                                            slip which will be posted to your account. If your credits and payments exceed 
    account may be applied towards what you owe. Even if your unpaid balance is 
                                            what you owe us, the amount will be applied against future purchases and cash 
    less than your credit limit, you will have no credit available during any time that 
                                            advances. If the credit balance amount is $1 or more, it will be refunded upon 
    any aspect of your account is in default. If the Wisconsin Consumer Act does 
                                            your written or verbal request.
    not apply to your Card, you agree to pay all reasonable costs of collection, 
                                            Plan Merchant Disputes. We are not responsible for the refusal of any plan 
    including court costs and attorney�s fees, subject to applicable law.
                                            merchant or financial institution to honor your Card. Also, we are not 
    Suspension of electronic services and access to share or deposit 
                                            responsible for goods or services that you purchase with the Card unless: (a) 
    accounts. Subject to applicable law, we may suspend some or all electronic 
                                            your purchase was made in response to an advertisement we sent or 
    services and access to your checking or other account(s) if you become 
                                            participated in sending you; or (b) your purchase cost more than $50 and was 
    delinquent on any of your credit card or deposit obligations to us or you cause a 
                                            made from a plan merchant in your state or within 100 miles of your home; and 
    loss to us. We shall not be liable to you in any regard in connection with such 
                                            only if you have made a good faith attempt, but have been unable to obtain 
    suspension of services.
                                            satisfaction from the plan merchant. You must resolve all other disputes directly 
    Additional Benefits/Card Enhancements. We may from time to time offer  with the plan merchant. We do not warrant any merchandise or services 
    additional services to your Account at no additional cost to you. You understand  purchased by you with the Card.
    that we are not obligated to offer such services and may withdraw or change 
                                            Statements and Notices. Statements and notices will be mailed to you at the 
    them at any time.
                                            most recent postal address or e-mail address (if you have elected to receive 
    Convenience Checks. We may, at our discretion, issue checks to you which  such documents via electronic means) you have given us. Notice sent to any 
    may be used for any purpose other than making a payment for credit to your  one of you will be considered notice to all.
    account. By signing such check, you authorize us to pay the item for the 
                                            Notification of Address Change. You will notify us promptly if you change 
    amount indicated and post such amount as a cash advance to your account. 
                                            your address for any reason. In order to prevent identity theft, your identity may 
    We do not have to pay any item which would cause the outstanding balance in 
                                            need to be verified before we act upon the notification.
    your account to exceed your credit limit.
                                            Copy Received. You acknowledge that you have received a copy of this 
    Credit Information. We may from time to time request personal information 
                                            Agreement.
    from you or obtain credit reports from the credit reporting agencies for the 
                                            Governing Law. This Agreement shall be construed under federal law and 
    purpose of updating your credit status. Your failure to provide such information 
                                            state law in the state in which we are primarily located, and the venue shall be 
    when requested by us may result in suspension of credit privileges under this 
                                            located in the county and state in which we are primarily located. Operating 
    Agreement, including your ability to obtain any future advances by any means. 
                                            regulations of Visa may also apply. This Agreement is the contract that applies 
    You authorize us to investigate your credit standing when opening or reviewing 
                                            to all transactions even though the sales, cash advance, convenience check, 
    your account. You authorize us to disclose information regarding your account 
                                            credit or other slips you sign or receive may contain different terms.
    to credit bureau and creditors who inquire about your credit standing.
                                            NOTICE TO UTAH BORROWERS: This written agreement is a final expression 
                                            of the agreement between you and the Credit Union. This written agreement 
                                            may not be contradicted by evidence of any oral agreement.
    9011/9010 LASER IMM FI14844 Rev 2-2022 page 3 of 4   COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.
          IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
     The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military 
     Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (�MLA�)), and (a) your loan is unsecured or secured by personal property or a vehicle 
     that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving 
     line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).
     1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. 
      In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 
      percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection 
      fees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for 
      specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive 
      this notice verbally, please call 800.779.5555 during our normal business hours.
     2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection 
      with this loan (�Secured Account�). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization 
      provision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject 
      to the Military Lending Act.
      However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the 
      sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.
     3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to  3.
      waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from 
      you in order to exercise your legal rights; or (d) Prepayment penalties.
     4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to  4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to 
      these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms  these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms 
      and conditions of the consumer credit contract shall remain in full force and effect. and conditions of the consumer credit contract shall remain in full force and effect.
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
    This notice tells you about your rights and our responsibilities under the  After we finish our investigation, one of two things will happen:
    Fair Credit Billing Act.                 � If we made a mistake: You will not have to pay the amount in question or 
                                              any interest or other fees related to that amount.
    What To Do If You Find A Mistake On Your Statement
                                             � If we do not believe there was a mistake: You will have to pay the amount 
    If you think there is an error on your statement, write to us at the address(es)  in question, along with applicable interest and fees. We will send you a 
    listed on your statement.                 statement of the amount you owe and the date payment is due. We may 
                                              then report you as delinquent if you do not pay the amount we think you 
    In your letter, give us the following information:
                                              owe.
     1. Your name and account number.
                                            If you receive our explanation but still believe your bill is wrong, you must 
     2. The dollar amount of the suspected error.
                                            write to us within 10 days telling us that you still refuse to pay. If you do so, 
     3. If you think there is an error on your bill, describe what you believe is 
                                            we cannot report you as delinquent without also reporting that you are 
      wrong and why you believe it is a mistake.
                                            questioning your bill. We must tell you the name of anyone to whom we 
    You must contact us:                    reported you as delinquent, and we must let those organizations know when 
     � Within 60 days after the error appeared on your statement. the matter has been settled between us.
     � At least 3 business days before an automated payment is scheduled, if 
                                            If we do not follow all of the rules above, you do not have to pay the first $50 
      you want to stop payment on the amount you think is wrong.
                                            of the amount you question even if your bill is correct.
    You must notify us of any potential errors in writing. You may call us, but if you 
    do, we are not required to investigate any potential errors and you may have  Your Rights If You Are Dissatisfied With Your Credit Card Purchases
    to pay the amount in question.
                                            If you are dissatisfied with the goods or services that you have purchased with 
    What Will Happen After We Receive Your Letter your credit card, and you have tried in good faith to correct the problem with 
                                            the merchant, you may have the right not to pay the remaining amount due on 
    When we receive your letter, we must do two things: the purchase.
     1. Within 30 days of receiving your letter, we must tell you that we received 
                                            To use this right, all of the following must be true:
      your letter. We will also tell you if we have already corrected the error.
     2. Within 90 days of receiving your letter, we must either correct the error or  1. The purchase must have been made in your home state or within 100 
      explain to you why we believe the bill is correct. miles of your current mailing address, and the purchase price must have 
                                              been more than $50. (Note: Neither of these are necessary if your 
    While we investigate whether or not there has been an error:
                                              purchase was based on an advertisement we mailed to you, or if we own 
     � We cannot try to collect the amount in question, or report you as  the company that sold you the goods or services.)
      delinquent on that amount.             2. You must have used your credit card for the purchase. Purchases made 
     � The charge in question may remain on your statement, and we may  with cash advances from an ATM or with a check that accesses your 
      continue to charge you interest on that amount. credit card account do not qualify.
     � While you do not have to pay the amount in question, you are responsible  3. You must not yet have fully paid for the purchase.
      for the remainder of your balance.
                                            If all of the criteria above are met and you are still dissatisfied with the 
     � We can apply any unpaid amount against your credit limit.
                                            purchase, contact us in writing at the address(es) listed on your statement.
                                            While we investigate, the same rules apply to the disputed amount as 
                                            discussed above. After we finish our investigation, we will tell you our 
                                            decision. At that point, if we think you owe an amount and you do not pay, we 
                                            may report you as delinquent.
    9011/9010 LASER IMM FI14844 Rev 2-2022 page 4 of 4   COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.