VISA® CREDIT CARD DISCLOSURE

        INTEREST RATES & INTEREST CHARGES   

Annual Percentage Rate (APR) for Purchases:  12.9%  
APR for Balance Transfers: 
APR for Cash Advances: 
Paying Interest 

For Credit Card Tips from the 
Consumer Financial Protection Bureau
                                                                FEES
Transaction Fees: Foreign Transaction 
Penalty Fees: Late Payment 

Returned Payment 

12.9% 
17.9% 

The APR will vary with the market based on the Prime Rate.

The APR will vary with the market based on the Prime Rate.

The APR will vary with the market based on the Prime Rate.

VISA® SIGNATURE  
(Variable) 

VISA® PLATINUM 
(Non-Variable) 
8.9% 
8.9% 
8.9% 

VISA® SELECT
(Non-Variable)
15.5%
15.5%
15.5%
Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
interest on purchases if you pay your entire balance by the due date each month. 
We will begin charging interest on cash advances 
on the transaction date.
To learn more about factors to consider when applying for or using a credit card, visit the website 
of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

We will begin charging interest on cash advances 
and balance transfers on the transaction date.

  1% of each transaction in U.S. dollars.
up to $25 
up to $25

How we will calculate your balance: We use a method called “average daily balance (including new purchases)” 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Wings Credit Card Agreement and Truth-in-Lending Disclosure.
Rates are effective as of 8/15/2013 and are subject to change. Call 1 800 692-2274 for current rate information.

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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, required by law, states the terms and 
conditions governing your account(s). 
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  Wings  Financial  Credit  Union,  located  with  its 
main  office  in  Minnesota.  “Card”  means  the  Credit  Card  and  
any  duplicates  and  renewals  we  issue.  “Account”  means  your 
Credit Card Line-of-Credit account with us.
BY KEEPING THE CREDIT CARD, SIGNING IT, USING IT,  
OR PERMITTING ANOTHER TO USE IT, YOU AGREE TO ALL 
THE TERMS AND CONDITIONS OF THIS AGREEMENT.
1. Effect  of  Agreement.  This  Agreement  is  the  contract  which 
applies  to  all  transactions  on  your  Account  even  though  the 
sales, cash advance, or credit slips you sign or receive may con-
tain different terms. Subject to applicable law, we may amend 
this Agreement including, but not limited 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 
the  law  permits,  and  we  indicate  in  our  notice,  amendments 
will apply to your existing account balances as well as to future  
transactions.
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  Account.  For  example,  you  are  re-
sponsible  for  charges  made  by  you,  your  spouse,  and  minor 
children. You cannot transfer or assign your account to another 
person.  You  are  responsible  for  chargesmade  by  anyone  else  
to  whom  you  give  the  Card,  and  this  responsibility  continues 
until  the  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  request  and  return  
all  Cards.  Your  obligation  to  pay  the  Account  balance  contin-
ues even though an agreement, divorce decree or other court  
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 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 responsible for all charges on the 
Account, including yours.
3. Finance  Charges.  You  can  avoid  the  finance  charge  (inter-
est on purchases) by paying the full amount of the New Balance  
of  Purchases  each  month  within  25  days  of  your  statement 
closing  date.  Otherwise,  the  New  Balance  of  Purchases,  and 
subsequent  purchases  from  the  date  they  are  posted  to  your 
Account,  will  be  subject  to  a  finance  charge.  Cash  Advances 
are  always  subject  to  a  finance  charge  from  the  date  they  are 
posted to your Account. The finance charge will be applied to 

ISPSCUINS54    07/13

the  average  daily  principal  balances  of  purchases  and  cash  
advances  of  your  Account.  We  figure  the  finance  charge  on 
your  account  by  applying  the  periodic  rate  to  the  “average 
daily balance” of your Account (including current transactions).  
To  get  the  “average  daily  balance”  we  take  the  beginning  
balance  of  your  Account  each  day,  add  any  new  purchases, 
cash  advances,  and  subtract  any  payment  or  credits  and  
unpaid  finance  charges  and  fees.  This  gives  us  the  daily  bal-
ance. Then we add up all the daily balances for the billing cycle 
and divide the total by the number of days in the billing cycle. 
This gives us the “average daily balance.” 
The following applies to variable rate Visa Signature card only:
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 next billing cycle that begins after a rate change date.
c)  The Annual Percentage Rate will determined monthly by add-
ing a margin to an Index value. For Visa Signature, the margin 
is 9.65 percentage points. The Index value is the Prime Inter-
est Rate published in the Wall Street Journal “Money Rates” 
table on the last business day of the month (or next business 
day if the last day falls on a weekend or holiday).

d)  An  increase  in  the  “Index”  will  result  in  an  increase  in  the 
FINANCE  CHARGE,  and  it  may  have  the  effect  of  increas-
ing  your  Minimum  Payment.    A  decrease  in  the  “Index”  
will have the opposite effect of an increase.  However, in no 
event, regardless of any decrease in the Index value, will the 
ANNUAL  PERCENTAGE  RATE  for  a  Visa  Signature  decrease  
below 12.90%. The maximum ANNUAL PERCENTAGE RATE a 
Visa Signature will increase to is 18.00%.

4. Other  Charges.  The  following  charges,  when  applicable, 
may be charged to your Credit Card Account: returned payment 
fee up to $25; replacement fee for lost card, $10; late payment 
fee up to $25; 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  operator  or  by  a  national,  regional,  or  
local network used to complete a transaction.
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 statement listing all amounts you owe on this 
account.  You agree to 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 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. Every 
month you must pay, in United States dollars, at least the Mini-
mum Payment required within 25 days of your statement closing 
date as shown 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, and reduce the finance charge 
by doing so. The Minimum Payment will either be: 
a)  three percent (3%) of your total New Balance or $25.00, 

whichever is greater, or

b)  your Total New Balance, if it is less than $25.00, plus
c)  any portion of the Minimum Payment(s) shown on prior 

statement(s) which remains unpaid.

In addition, at any time your Total New Balance exceeds your 
Credit  Limit,  you  must  immediately  pay  the  excess  upon  our  
demand. We will apply your payments in the following order:
a)  to the previously billed and unpaid finance charge on 

purchases,

b)  to the previously billed and unpaid finance charge on  

cash advances,
c) to cash advances,
d) to previously billed purchases,
e)  to new purchases, whether or not billed on the monthly 

statement.

However, any payment equal to, or greater than, the Previous 
Balance  of  Purchases  will  be  applied  first  to  that  balance  and 
any  finance  charge  on  that  balance  so  as  to  avoid  continu-
ing  accrual  of  finance  charge  on  that  amount.  Purchases  and 
cash  advances  will  be  paid  off  in  the  order  they  were  posted 
to  your  Account.  If  two  or  more  purchases  were  posted  on  
the  same  day,  your  payment  will  be  applied  to  the  smallest  
purchases first. You will be responsible for all matters shown 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 notice entitled “Your Billing Rights – Keep This 
Notice For Future Use” included in this Agreement.
6.  Default.  You  will  be  in  default  if  you  fail  to  make  any  
Minimum Payment within 25 days after the monthly statement 
closing date. You will also be in default if:
a) upon an adverse reevaluation of your creditworthiness,
b)  there are bankruptcy or insolvency proceedings  

involving you,

c) you die,
d)  you make a misrepresentation in connection with  

your Account,

e)  you default on any obligation to us, under this Agreement, 
f) you cancel your membership with us, or
g) you exceed your Line-of-Credit.
We have the right to demand immediate payment of your full  
account balance if you are in default. If permitted by law, you 
will also be required to pay our collection expenses, including 
court costs and reasonable attorney’s fees.
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  (800)  449-7728.  Address  all  written  
correspondence to Card Services, Wings Financial Credit Union, 
14985 Glazier Avenue, Apple Valley, MN 55124.
8. Liability  for  Unauthorized  Use  Under  Federal  Law.  Any 
Card or other credit instrument issued to you is the property of 
Wings Financial Credit Union, and must be returned to us im-
mediately upon demand or upon notice of cancellation or with-
drawal of the Card. 
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 state-
ment was mailed to 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 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.
Business  or  organization  accounts  in  which  ten  or  more  cards  
have been issued to employees or associates are not subject to 
the limitations on liability.
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  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  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  
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  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 credit risk. Such termina-
tion by us does not affect your obligation to pay us the Account 
balance. “Line-of-Credit” may also be called “Credit Limit” in this  
Agreement and in your monthly statement. 
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  credit  worthiness.  You  authorize  us  to  investigate 
your credit standing at any time, and you authorize us to disclose 
information regarding your account to credit bureaus and other 
creditors who ask us about your credit standing. We will take rea-
sonable steps to protect your rights under Federal and State law.
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 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  imprinted  with  your  Card.  The 
other  is  to  complete  the  transaction  by  using  your  Person-
al  Identification  Number  (PIN)  together  with  the  Card  in  an  
Automated Teller Machine or other type of electronic terminal that  
provides  access  to  the  Credit  Card  system.  The  monthly  
statement  will  identify  the  merchant,  electronic  terminal,  or 
financial  institution  at  which  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 slips furnished 
at the time of the transaction in order to verify the monthly state-
ment. There is a limitation of 20 transactions per day. 
12.  Returns  and  Adjustments.  Merchants  and  others  who  
honor the Card may give credit for returns or adjustments, and 
they  will  do  so  by  issuing  a  credit  slip  which  will  be  posted  
to  your  Account.  If  your  credits  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  
balance  is  $1.00  or  more,  we  will  refund  it  per  your  written  
request.
13. Foreign  Transactions.  Purchases  and  cash  advances  you 
make in foreign countries currencies will be billed to you in U.S. 
dollars. The conversion to dollars will be made according to the 
operatingregulations for international transactions established 

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you have a question on your bill. And we must also tell anyone 
we report you to that the matter has been settled between us 
when it is finally settled.
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 have tried in good faith to correct the prob-
lem with the merchant, you may 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 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 the advertisement for the property or services, 
all purchases are covered regardless of amount or location of 
purchase.)

IMPORTANT SECURITY INTEREST NOTICE
Pledge of Deposits for Repayment of Credit Card
By accepting (evidenced by use) the enclosed card, you grant 
Wings Financial a Security Interest in all shares, deposits and 
dividends now or in the future held in the name of all credit 
card account owners at Wings Financial (excluding funds held 
in an Individual Retirement  
Account).
The Security Interest secures payment of all credit card indebt-
edness, including all future advances, and gives Wings Financial 
the right to deduct all or part of the credit card debt due if pay-
ment is not timely made.
If you do not agree to the Security Interest pledge, please cut 
up the enclosed card(s) and return to: Card Services, Wings 
Financial Credit Union, 14985 Glazier Avenue, Apple Valley, 
MN 55124.

by VISA International, Inc. Currently, those Regulations provide 
that the currency conversion rate to be used is either a whole-
sale market rate or a government mandated rate in effect one 
day prior to the processing date, increased by one percent (1%). 
The currency conversion 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  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 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 of the currency conversion rate.
14. Irregular Payments. We may accept late payments, partial  
payments, and checks marked “Payment in Full” and disregard 
such  statements  (or  accompanying)  without  waiving  or  losing 
any right to demand payment as set forth in this Agreement.
15. Termination. You may terminate this Agreement at any time 
without  reason  by  notifying  us  in  writing.  Upon  termination 
you  will  return  your  cards,  which  you  will  have  cut  in  half.  
Your  obligations  under  this  Agreement,  and  any  subsequent 
amendments made to it, will continue until the balance due on 
the Account is paid.
16. Skip Payment Option. At the option of Wings Financial, a  
minimum payment may be waived during certain billing cycles.  
If such a waiver occurs, finance charges will continue to apply 
to the Account during the skip payment billing cycle. Beginning 
with the billing cycle following the skip payment, all provisions 
of the Agreement shall apply.
17.  Refusal to Honor. We are not responsible for the refusal of 
any Plan Merchant or financial institution to honor your card.
18. Governing  Law.  This  Agreement  and  my  account  shall  be 
governed by Minnesota law and the laws of the United States.
19. Successors  and  Assigns.  You  agree  that  Wings  Financial  
may  at  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  rights  or  duties  under  this 
Agreement.  This  Agreement  is  binding  upon  your  heirs  and  
legal representatives.
20. Other Provisions. If any part of this Agreement is not valid, 
all other parts will remain enforceable.
21. Automatic  Payment  Option.  If  you  have  requested  the 
Automatic  Payment  option,  all  Minimum  Payments  due  will 
automatically  be  deducted  from  your  designated  share  
savings or checking account balance on any payment due date. 
If your account does not contain sufficient funds on the payment 
due date, no automatic deduction will be made and you will be  
assessed a service charge up to $25.
22. Copy Received. You acknowledge receipt of a copy of this  
Agreement.
23. Signature  Authorized.  By  accepting  this  Agreement,  you 
authorize 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 of this Agreement is required by law.

24. ATM Security. Do not write your PIN on your card or keep 
your PIN in your purse or wallet or anywhere else where some-
one  might  find  it  and  associate  it  with  your  card.  Do  not  use 
an ATM machine unless it appears 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 and 
leave the site.
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 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, 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  or  other  legal  action  or  liability,  directly  or  
indirectly, resulting from such illegal use.
NOTICE  TO  NEW  YORK  RESIDENTS:  In  connection  with  your  
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 name and address of the consumer reporting 
  agency  that  provided  the  report.  New  York  residents  may  
contact  the  New  York  State  Banking  Department  to  obtain  a  
comparative listing of credit card rates, fees and grace periods. 
New York State Banking Department: 1-800-518-8866.
NOTICE TO OHIO RESIDENTS: The Ohio laws against discrimi-
nation require that all creditors make credit equally available to 
all  creditworthy  customers  and  that  credit  reporting  agencies 
maintain separate credit histories on each individual upon re-
quest.  The  Ohio  Civil  Rights  Commission  administers  compli-
ance with this law.
NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision  
of  a  marital  property  agreement,  a  unilateral  statement  un-
der Sec. 766.59, 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 granted is furnished 
a  copy  of  the  agreement,  statement  or  decree  or  has  actual 
knowledge of the adverse provision when the obligation to the 
creditor is incurred. You are married and this account is being 
opened in the interest of your marriage or family.
NOTICE TO CALIFORNIA RESIDENTS: If you are married, you 
may apply 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 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  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 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  obtain  satisfaction  from  the  seller.  
The amount to which the defense 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 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  
Section 1747.90. Purchases with cash or check are not included 
in this section eventhough you used your credit card to validate 
your credit. We cannot penalize you by either giving out unfa-
vorable credit information about you or canceling or refusing to 
renew your credit card solely because you obtained relief under 
the remedies you have for correcting billing errors.

YOUR BILLING RIGHTS
(Keep this notice for future use)
This notice contains important information about your 
rights and our responsibilities under the 
Fair Credit Billing Act.
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,  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 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, but doing so will not preserve your rights.
In your letter give us the following information:
a) Your name and account number.
b) The dollar amount of the suspected error.
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 are not sure about.

If you have authorized us to pay your credit card automatically 
from your savings or checking account, you can stop the payment 
on  any  amount  you  think  is  wrong.  To  stop  the  payment,  your  
letter  must  reach  us  three  business  days  before  the  automatic 
payment is scheduled to occur.
Your rights and our responsibilities after we receive your written 
notice. We must acknowledge your letter within 30 days,unless 
we  have  corrected  the  error  by  then.  Within  90  days,we  must  
either correct the error or explain why we believe the statement 
was correct. 
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 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 questioned amount, while we are investigat-
ing, but you are still 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 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 up any missed payments on the ques-
tioned amount. In either case, we will 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  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 anyone that we report you to that 

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