Consumer Credit Card Agreement
M-109698

Visa Traditional Rewards • Student Rewards • Signature • Non-Rewards

In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” means the Credit Card Account Opening Disclosure.  The  Account  
Opening  Disclosure  is incorporated into this Consumer Credit Card  Agreement and is part of the Agreement. In this Agreement the words “you,” “your,” and “yours” 
mean each and all of those who agree to be bound by this Agreement; “card” means the Visa credit card and any duplicates, renewals, or substitutions the Credit 
Union issues to you; “account” means your Visa credit card line-of-credit account with the Credit Union; and “Credit Union” means the Credit Union whose name 
appears on this Agreement or anyone to whom the Credit Union transfers this Agreement.

1. USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you. You agree that your credit limit is the 
maximum amount (purchases, cash advances, finance charges, plus “other charges”) which you will have outstanding on your account at any time. Unless disclosed 
otherwise, the Credit Union will not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your 
credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or electronically (notwithstanding the requirements of the paragraph 
entitled “Statements and Notices”) explaining your right to opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In the 
event you opt in to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a method acceptable to the 
Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not 
prohibited by law. If you are permitted to obtain cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on 
your account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience check, it will be posted to your account 
as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such refusal shall not constitute wrongful 
dishonor.

You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee imposed to stop a payment on a convenience 
check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance 
of the presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately describe the 
check including the exact account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may make 
a stop payment request orally but such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop payment orders 
are effective only for six (6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be renewed. We are 
not required to notify you when a stop payment order expires. If we re-credit your account after paying a check or draft over a valid and timely stop payment order, 
you agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other holders of the check or draft and to 
assist us in any legal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney’s fees, damages, or claims, related to our 
honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us or the giving of inadequate time to act 
upon a stop payment request.

2. USING YOUR CARD — You understand that the use of your credit card or credit card account will constitute acknowledgment of receipt and agreement to the 
terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You may use your card to make purchases from merchants and 
others who accept your card. The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay for goods 
or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. In addition, 
you may obtain cash advances from the Credit Union, from other financial institutions that accept your card, and from some automated teller machines (ATMs). (Not 
all ATMs accept your card.) If the credit union authorizes ATM transactions with your  card, it will  issue you a  personal identification number (PIN). To obtain cash ad-
vances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will not use your card for any transaction that is illegal under ap-
plicable federal, state, or local law. Even if you use your card for an illegal transaction,  you  will  be  responsible  for  all  amounts  and charges incurred in connection 
with the transaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage in transactions 
that we consider the equivalent of  cash. Such transactions will be posted to your account as cash advances and include, but are not limited to, wire transfers, money 
orders, bets, lottery tickets, and casino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.

3. PROMISE TO PAY — You promise to pay all charges (purchases, cash advances, balance transfers, use of convenience checks or any other charge) made  
to your account by you or anyone you authorize to use your account. You also promise to pay all finance charges and other charges added to your account under  
the terms of this Agreement or another agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also applies to  
your account.

4. PERIODIC RATES — The periodic rates  applicable to purchases, cash advances, and  balance  transfers are disclosed on the Disclosure that accompanies 
this Agreement. Any penalty rate that may be imposed for failing to make a payment by the payment due date is also disclosed on the Disclosure. Any rate change 
will be made pursuant to applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash 
advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure accompanying this Agreement. The initial rate on your account 
for certain types of transactions may be an introductory discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of  
transaction. If an Introductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure accompanying this  
Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to the rates that would ordinarily apply for that type of transaction 
based on the terms of this Agreement.

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5. FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge for that billing cycle. Finance charge begins to 
accrue on those purchases from the first day of the next billing cycle, unless you paid the entire new balance on the previous cycle’s billing statement by the payment 
due date of that statement. To avoid an additional finance charge on the balance of purchases, you must pay the entire new balance on the billing statement by the 
payment due date of that statement. A finance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the billing 
cycle in which the cash advance is posted to your account, whichever is later (transaction date).

The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying the periodic rate to the 
average daily balance of purchases. To calculate the average daily balance of purchases, we take the beginning outstanding balance of purchases each day and 
subtract any payments and/or credits that we apply to the purchase balance. (We do not add in any purchases posted during the billing cycle.) This gives us the daily 
balance of purchases. We then add all of the daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. 
This gives us the average daily balance of purchases.

For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash advances. To calculate the average daily 
balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and subtract any payments and/
or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash advances for 
the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash advances. Balance transfers 
are calculated in the same manner as cash advances.

6. FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate 
between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from a range of rates available in 
wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in 
effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase 
date or cardholder statement posting date.

A fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including purchases, cash advances and credits to 
your account. A fee (finance charge), calculated in U.S. dollars, will be imposed on all single currency foreign transactions, including purchases, cash advances 
and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the 
exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this 
Agreement.

7. FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to your account, the fee amounts and  
explanations are disclosed on the Disclosure accompanying this Agreement.

Your account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.

a. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the fee as disclosed on the Disclosure  
    accompanying this Agreement will be charged to your account when you transfer a balance from an account of another creditor to the account subject to  
    this Agreement.

b. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee will be charged to your account when you   
    obtain a cash advance from an ATM, the Credit Union or other financial institution.

c. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance charge), a fee may be charged to your account  
    for transactions made outside of the United States or in a foreign currency.

d. Late Payment Fee.  A late fee will be charged to your account if you make your payment later than the fifth day after the payment’s due date.

e. Returned Payment  Fee. If your account is subject to a Returned Payment Fee,  the fee will be  charged to your account when a payment is returned for  
    any reason.

f. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is made in connection with  
    a billing error made by the Credit Union, a fee may be charged to your account for each copy of a sales draft or statement that you request.

g. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to your account for each    
    copy of a sales draft or statement that you request (except when the request is made in connection with a billing error made by the Credit Union).

h. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account for each rush card that you request,   
    providing delivery of the card is also available by standard mail service, without paying a fee for delivery.

i. Card Replacement  Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each replacement card that is issued to you for  
    any reason.

j. Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you make a payment by telephone as disclosed on the    
    Disclosure accompanying this Agreement.

k. Balance Transfer Stop Payment Fee. If your account is subject to the Balance Transfer Stop Payment Fee, a fee will be charged to your account as disclosed on   
    the Disclosure accompanying this Agreement.

l. Expedited Payment Fee. If your account is subject to the Expedited Payment Fee, a fee will be charged to your account as disclosed on the Disclosure  
   accompanying this Agreement.

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8. PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the date specified on the statement. You may pay more 
frequently, pay more than the minimum payment or pay the total new balance in full. If you make extra or larger payments, you are still required to make at least the 
minimum payment each month your account has a balance (other than a credit balance). For our Traditional Rewards card, the minimum payment is 2.00% of your 
total new balance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, 
and any amount you are over your credit limit by the date specified on the statement. For our Student Rewards card, the minimum payment is 2.00%  of  your total 
new balance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, and 
any amount you are over your credit limit by the date specified on the statement. For our Signature card, the minimum payment is 2.00% of your total new balance, 
or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, and any amount 
you are over your credit limit by the date specified on the statement. For our Non-Rewards card, the minimum payment is 2.00% of your total new balance, or $25.00, 
whichever is greater, plus the amount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, and any amount you are 
over your credit limit by the date specified on the statement. The Credit Union also has the right to demand immediate payment of any amount by which you are over 
your credit limit.

9. PAYMENT ALLOCATION  —  Subject  to  applicable  law, your payments may be applied to what you owe the Credit Union in any  manner  the  Credit  Union  
chooses.  However, in every case, in the event you make a payment in excess of the required minimum periodic payment,  the  Credit  Union will allocate the excess 
amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable annual 
percentage rate.

10. SECURITY INTEREST — You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights the Credit Union 
may have in any goods you purchase. If you give the Credit Union a specific pledge of shares by signing a separate pledge of shares, your pledged shares will 
secure your account. You may not withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release all or part of 
the pledged amount.

Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, except for shares in an Individual Retire-
ment Account or in any other account that would lose special tax treatment under state or federal law if  given as security. These other shares may be 
withdrawn unless you are in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint share accounts 
to pay any amounts due on your Account if you should default.

Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this account, 
notwithstanding anything to the contrary in any other agreement.

11. DEFAULT — Upon default, the entire outstanding balance due under  this  Agreement shall,  unless  excused by  our Board of Directors, become immediately 
due and payable, subject only to any right to cure default which you may have under Section 425.105 of the Wisconsin Statutes. A default shall be deemed to have 
occurred if (a) you fail to make payments when due on two occasions within any 12-month period, or (b) you fail to observe any other covenant of this Agreement, 
you or your spouse die, change marital status, change marital domicile or become insolvent or subject of a bankruptcy or other insolvency proceeding, if such  
failure, act or occurrence materially impairs  your  ability  to  pay the amount due under this Agreement or breach of which materially impairs the condition, value or  
protection of the merchant’s rights in any collateral securing the transaction. In addition, notwithstanding Sections 425.103 and 425.105 of the Wisconsin Statutes,  
in the event we receive a notice of termination of this Agreement from the spouse of a borrower pursuant to Section 766.565(5), Wisconsin Statutes, we may declare 
the entire outstanding balance of the Agreement immediately due and payable. If immediate payment is demanded, you agree to continue paying finance charges at 
the periodic rate charged before the default, until what you owe has been paid, and any shares that were given as security for your account may be applied towards 
what you owe.

12. LIABILITY   FOR   UNAUTHORIZED  USE-LOST/STOLEN CARD NOTIFICATION — You agree to notify us immediately, orally or in writing, at 1700 Oak Forest 
Dr., Onalaska, WI 54650 or telephone (800) 449-7728 seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be 
liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized 
use. You will have no liability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of your card. In any case, your 
liability will not exceed $50.00.

13. CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms of this Agreement and any attached Disclo-
sure from time to time. Notice of any change will be given in accordance with applicable law. To the extent permitted by law, changes to the Agreement may apply to 
your existing account balance as well as to future transactions.

Either you, your spouse or the Credit Union may terminate this Agreement at any time, but termination by you, your spouse or the Credit Union will not affect your 
obligation to pay the account balance plus any finance and other charges you or your spouse owe under this Agreement. Your obligation to pay the account balance 
plus any finance and other charges you owe under this agreement are subject to all applicable laws and regulations regarding repayment requirements.

The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all cards upon request or upon  
termination of this Agreement whether by you or the Credit Union.

14. CHANGING OR TERMINATING AUTHORIZED USERS — Upon your request, we may issue additional cards for authorized users that you designate. You must 
notify us in writing of any termination of an authorized user’s right to access your account. Your letter must include the name of the authorized user and your account 
number and/or any subaccount number issued to the authorized user along with the authorized user’s card and any convenience or other access checks issued to 
the authorized user. If you cannot return the authorized user’s card or access checks and if you request your account to be closed, we will close your account and 
you may apply for a new account.

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15. CREDIT REVIEW AND RELEASE OF  INFORMATION  — You authorize the Credit Union to investigate your credit standing when opening or reviewing your 
account. You authorize the Credit Union to disclose information regarding your account to credit bureaus and creditors who inquire about your credit  standing.  If  
your  account  is  eligible for emergency cash and/or emergency card replacement services, and you request such services, you agree that we may provide personal 
information about you and your account that is necessary to provide you with the requested service(s).

16. RETURNS AND ADJUSTMENTS  —  Merchants and others who honor your card may give credit for returns or adjustments, and they will do so by sending 
the Credit Union a credit slip which will be posted to your account. If your credits and payments exceed what you owe the Credit Union, the amount will be applied 
against future purchases and cash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or automatically after six  
(6) months.
 17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additional services to your account, such as travel accident 
insurance, at no additional cost to you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time.

18. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution to honor your card. The Credit Union is 
subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the card if you have made a good faith attempt but have 
been unable to obtain satisfaction from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union sent  
or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 100 miles of your home.

19. JOINT ACCOUNTS — If this is a joint account, each of you will be individually and jointly responsible for paying all amounts owed under this Agreement. This 
means that the Credit Union can require any one of you individually to repay the entire amount owed under this Agreement. Each of you authorizes the other(s) to 
make purchases or cash advances individually. Any one of you may terminate the account and the termination will be effective as to all of you.

20. EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account even though the sales, cash advances, credit or 
other slips you sign or receive may contain different terms.

21. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them.

22. STATEMENTS AND NOTICES — Statements and notices will be mailed or delivered to you at the appropriate address you have given the Credit Union. If you 
both reside at the same address, one copy of any notice required by the Wisconsin Consumer Act will be sent to both of you at that address; otherwise, separate 
notices will be sent to separate addresses.

23. SEVERABILITY AND FINAL  EXPRESSION  —   This Agreement and the Disclosure are the final expression of the terms and conditions of your account. This 
written Agreement and Disclosure may not be contradicted by evidence of any alleged oral agreement. Should any part of this Agreement or the Disclosure be found 
to be invalid or unenforceable, all other parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible under this 
Agreement.

24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure.

25. INTERNET  GAMBLING  TRANSACTIONS PROHIBITED  — You may not use your card to initiate any type of electronic gambling transaction through the 
Internet.

26. PENALTY RATE DISCLOSURES — If applicable to your account, all rates for  your  account,  including  the  rates for purchases, cash advances, and balance 
transfers, will increase to the Penalty Rate when you meet one or more of the conditions as set forth in the Disclosure accompanying this Agreement. Any rate 
increases applied to your account are subject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty Rate.

27. 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.

28. THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE  
EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER  DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM  YOU.

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the address listed on your statement.

In your letter, give us the following information:

• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required to investigate any potential errors and you 
may have to pay the amount in question.

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What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we  must either correct the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as delinquent on that amount.
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

• If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
• If we do not believe there was a mistake: You will have to pay the amount  in  question,  along with applicable interest and fees. We will send you a  
   statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot 
report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and 
we must let those organizations know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

Your Rights if You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the mer-
chant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been  
    more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that  
    sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card  
    account do not qualify.
3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at the address 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.

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