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 BILLING RIGHTS YOUR BILLING RIGHTS YOUR BILLING RIGHTS YOUR BILLING RIGHTS CONSENT TO CONTACT  CONSENT TO CONTACT  CONSENT TO CONTACT  CONSENT TO CONTACT 
  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  (Keep this notice for future use)  (Keep this notice for future use)  (Keep this notice for future use)  (Keep this notice for future use)  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 
  and leave the site. and leave the site. and leave the site. and leave the site. 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   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 
                                       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. 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 
  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 
                                                                      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 
  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  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 
                                                                      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 
  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  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 
                                                                      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
  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,  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. 
                                                                      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 
  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  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 
                                                                      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 
  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  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 
                                                                      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 
  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  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, 
                                                                      you are not required to agree to this provision of the Agreement  you are not required to agree to this provision of the Agreement  you are not required to agree to this provision of the Agreement  you are not required to agree to this provision of the Agreement 
  illegal use. illegal use. illegal use. illegal use. 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. CREDIT CARD AGREEMENT  CREDIT CARD AGREEMENT  CREDIT CARD AGREEMENT  CREDIT CARD AGREEMENT 
                                                                      and Disclosure as a condition of purchasing any property, goods, or  and Disclosure as a condition of purchasing any property, goods, or  and Disclosure as a condition of purchasing any property, goods, or  and Disclosure as a condition of purchasing any property, goods, or 
  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   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: 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  AND TRUTH-IN-LENDING  AND TRUTH-IN-LENDING  AND TRUTH-IN-LENDING  AND TRUTH-IN-LENDING 
  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   a) Your name and account number. a) Your name and account number. a) Your name and account number. a) Your name and account number. 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  DISCLOSURE DISCLOSURE DISCLOSURE DISCLOSURE
  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  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. 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.
  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  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  
  report. New York residents may contact the New York State Banking   report. New York residents may contact the New York State Banking   report. New York residents may contact the New York State Banking   report. New York residents may contact the New York State Banking   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  
  Department to obtain a comparative listing of credit card rates, fees and  Department to obtain a comparative listing of credit card rates, fees and  Department to obtain a comparative listing of credit card rates, fees and  Department to obtain a comparative listing of credit card rates, fees and  are not sure about. are not sure about. are not sure about. are not sure about.
                                                                             EFFECTIVE AS OF OCTOBER 3, 2017   EFFECTIVE AS OF OCTOBER 3, 2017   EFFECTIVE AS OF OCTOBER 3, 2017   EFFECTIVE AS OF OCTOBER 3, 2017   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.  
  grace periods. New York State Banking Department: 1-800-518-8866. grace periods. New York State Banking Department: 1-800-518-8866. grace periods. New York State Banking Department: 1-800-518-8866. grace periods. New York State Banking Department: 1-800-518-8866.
                                    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           IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS   IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS   IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS   IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS   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,  
  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  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           OF THE MILITARY AND THEIR DEPENDENTS:  OF THE MILITARY AND THEIR DEPENDENTS:  OF THE MILITARY AND THEIR DEPENDENTS:  OF THE MILITARY AND THEIR DEPENDENTS:  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 
  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  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   account(s).  account(s).  account(s).  account(s). 
  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     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  
                                    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  
                                                                       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   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  
  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   is scheduled to occur. is scheduled to occur. is scheduled to occur. is scheduled to occur.
                                                                       (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.   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  
  Commission administers compliance with this law. Commission administers compliance with this law. Commission administers compliance with this law. Commission administers compliance with this law.
                                           YOUR RIGHTS AND OUR RESPONSIBILITIES   YOUR RIGHTS AND OUR RESPONSIBILITIES   YOUR RIGHTS AND OUR RESPONSIBILITIES   YOUR RIGHTS AND OUR RESPONSIBILITIES   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   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. 
  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   after we receive your written notice.  after we receive your written notice.  after we receive your written notice.  after we receive your written notice.  military service ends. military service ends. military service ends. military service ends. �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. 
  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, 
                                    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   �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.
  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    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 
                                    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   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,  
  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  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 
                                    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. 
  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   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  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 
  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  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   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  AND CONDITIONS OF THIS AGREEMENT. AND CONDITIONS OF THIS AGREEMENT. AND CONDITIONS OF THIS AGREEMENT. AND CONDITIONS OF THIS AGREEMENT.
  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  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  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  
                                                                                                        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 
  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. 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   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 
                                                                                                        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 
                                    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   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 
  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   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  
                                    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   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; 
  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  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 
                                    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.  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 
  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  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 
                                                                       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 
  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   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  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 
                                                                       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 
  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  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  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 
                                                                       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 
  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  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  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.
                                                                       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 
  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   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  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 
                                                                       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.
  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   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.  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 
  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       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  
                                    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  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 
  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     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 
                                    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  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 
  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   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  
                                    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  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 
  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   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 
                                    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  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 
  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  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  
                                    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  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 
  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  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 
                                    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. 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 
  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   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  
                                                                                                        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 
                                    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 
  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  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, 
                                                                                                        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  
                                    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 
  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  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  
                                                                                                        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  
                                    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 
  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  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 
                                                                                                        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 
                                    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 
  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  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  
                                                                                                        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  
                                    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 
  errors. errors. errors. errors.                                      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 
                                                                                                        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  
                                    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  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  
                                                                                                        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.
                                    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  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  
                                    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  this card are hereby deleted. this card are hereby deleted. this card are hereby deleted. this card are hereby deleted.
                                    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.)
                                                                                                                                     M-131760
                                                                                                                                     M-128142 M-128142 M-128142 M-128142
                                    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  7.  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  Lost Card Notification. If you believe your Card has been lost or  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 
    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  charged to your Credit Card Account: Cash Advance, either $10, or 2% of  charged to your Credit Card Account: Cash Advance, either $10, or 2% of  charged to your Credit Card Account: Cash Advance, either $10, or 2% of  charged to your Credit Card Account: Cash Advance, either $10, or 2% of  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   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 
   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,  the amount of each Cash Advance, whichever is greater; Returned   the amount of each Cash Advance, whichever is greater; Returned   the amount of each Cash Advance, whichever is greater; Returned   the amount of each Cash Advance, whichever is greater; Returned   (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,  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.
   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   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  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 
                                                                                                        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  
   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  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  55124. 55124. 55124. 55124.
                                                                                                        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  
   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   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 
                                                                      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   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 
   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   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 
                                                                      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  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.  
   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   transaction. transaction. transaction. transaction.
                                                                      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  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 
   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).  
                                    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  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.  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 
   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-
                                    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  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 
   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  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 
                                    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  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 
   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  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 
                                    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  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 
   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.  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 
                                    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  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 
                                                                      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 
    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   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,  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 
                                                                      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 
   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   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.  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  
                                                                      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.
   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   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  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 
   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. 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  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  of the currency conversion rate. of the currency conversion rate. of the currency conversion rate. of the currency conversion rate.
                                                                      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 
    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   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 
                                                                                                        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, 
   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,  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,   liability. liability. liability. liability.
                                                                                                        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 
   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,   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  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   accompanying) without waiving or losing any right to demand payment as  accompanying) without waiving or losing any right to demand payment as  accompanying) without waiving or losing any right to demand payment as  accompanying) without waiving or losing any right to demand payment as 
   Apple Valley, MN 55124. Apple Valley, MN 55124. Apple Valley, MN 55124. Apple Valley, MN 55124. either be:  either be:  either be:  either be:  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  set forth in this Agreement. set forth in this Agreement. set forth in this Agreement. set forth in this Agreement.
                                    a)  two percent (2%) of your total New Balance or $10.00, whichever is  a)  two percent (2%) of your total New Balance or $10.00, whichever is  a)  two percent (2%) of your total New Balance or $10.00, whichever is  a)  two percent (2%) of your total New Balance or $10.00, whichever is  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 
                                                                                                        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 
                                     greater, or greater, or greater, or greater, or 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 
  3. Finance Charges. You can avoid paying the ?nance 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  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  
                                    b)  your Total New Balance, if it is less than $10.00, and/or b)  your Total New Balance, if it is less than $10.00, and/or b)  your Total New Balance, if it is less than $10.00, and/or b)  your Total New Balance, if it is less than $10.00, and/or 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, 
  on purchases) by paying the total amount of the New Balance 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  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 
                                    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)  c)  any portion of the Minimum Payment(s) shown on prior statement(s)  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 
  Purchases, in full, each month on or before the Payment Due Date.  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,  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 
                                     which remains unpaid. which remains unpaid. which remains unpaid. which remains unpaid. 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 
  Otherwise, the New Balance of Purchases, and subsequent purchases  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  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.
                                                                      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 
  from the date they are posted to your Account, will be subject to a  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  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  
                                                                      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  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 
  ?nance charge. Cash Advances and Balance Transfers are always subject  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  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.  
                                                                      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  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  
  to a ?nance charge from the date they are posted to your Account. The  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  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 
                                                                      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  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 
  ?nance charge will be applied to the average daily principal balances  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  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. 
                                                                      the Account balance. �Line-of-Credit� may also be called �Credit Limit� in  the Account balance. �Line-of-Credit� may also be called �Credit Limit� in  the Account balance. �Line-of-Credit� may also be called �Credit Limit� in  the Account balance. �Line-of-Credit� may also be called �Credit Limit� in  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  
  of purchases and cash advances of your Account. We ?gure the ?nance  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  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 
                                                                      this Agreement and in your monthly statement.  this Agreement and in your monthly statement.  this Agreement and in your monthly statement.  this Agreement and in your monthly statement.  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.
  charge on your Account by applying the periodic rate to the �average  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  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.
                                                                                                        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 
  daily balance� of your Account (including current transactions). To get the  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  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, 
                                      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  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  Merchant or financial institution to honor your card.
                                    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  Merchant or financial institution to honor your card. Merchant or financial institution to honor your card. Merchant or financial institution to honor your card.
  �average daily balance,� we take the beginning balance of your Account  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 
  each day, add any new purchases, cash advances, and subtract any  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   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- 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  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  
  payment or credits  and unpaid ?nance charges and fees. This gives us  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.  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.  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  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.
  the daily balance. Then we add up all the daily balances for the billing  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  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   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 
                                                                                                        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  
  cycle and divide the total by the number of days in the billing cycle. This  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  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   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 
                                                                                                        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  
  gives us the �average daily balance.�  �average daily balance.�  �average daily balance.�  �average daily balance.�  �average daily balance.�  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  Federal and State law. Federal and State law. Federal and State law. Federal and State law.
                                                                                                        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 
                                    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 
  The following applies to variable rate Visa Platinum cards only: The following applies to variable rate Visa Platinum cards only: The following applies to variable rate Visa Platinum cards only: The following applies to variable rate Visa Platinum cards only: The following applies to variable rate Visa Platinum cards only: 11.  11.  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  Using the Card. To make a purchase or cash advance, there are two  Using the Card. To make a purchase or cash advance, there are two  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 
                                    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  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   your heirs and legal representatives. your heirs and legal representatives. your heirs and legal representatives. your heirs and legal representatives.
  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. 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�  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  
  b) Any change to your account will not apply until the ?rst day of your  b)  Any change to your account will not apply until the first day of   b)  Any change to your account will not apply until the first day of   b)  Any change to your account will not apply until the first day of   b)  Any change to your account will not apply until the first day of   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,  
                                    included in this Agreement. included in this Agreement. included in this Agreement. included in this Agreement. 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  
    next billing cycle that begins after a rate change date. your next billing cycle that begins after a rate change date. your next billing cycle that begins after a rate change date. your next billing cycle that begins after a rate change date. your next billing cycle that begins after a rate change date. all other parts will remain enforceable. all other parts will remain enforceable. all other parts will remain enforceable. all other parts will remain enforceable.
                                    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   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  
  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   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 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.   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  
    adding a margin to an Index value. The Index value is the Prime  adding a margin to an Index value. For Visa Platinum, the margin is  adding a margin to an Index value. For Visa Platinum, the margin is  adding a margin to an Index value. For Visa Platinum, the margin is  adding a margin to an Index value. For Visa Platinum, the margin is  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  
    Interest Rate published in the Wall Street Journal �Money Rates�   You will also be in default: You will also be in default: You will also be in default: You will also be in default: 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  
   3.40% to 13.45%. The Index value is the Prime Interest Rate published  3.40% to 13.45%. The Index value is the Prime Interest Rate published  3.40% to 13.45%. The Index value is the Prime Interest Rate published  3.40% to 13.45%. The Index value is the Prime Interest Rate published 
                                                                      provides access to the Credit Card system. The monthly statement will  provides access to the Credit Card system. The monthly statement will  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  
    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  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, 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  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 
    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   day of the month (or next business day if the last day falls on a   day of the month (or next business day if the last day falls on a   day of the month (or next business day if the last day falls on a   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,
                                                                      transactions were made. Sales, cash advance, credit or other slips will not  transactions were made. Sales, cash advance, credit or other slips will not  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  
  d) An increase in the �Index� will result in an increase in the FINANCE  weekend or holiday). weekend or holiday). weekend or holiday). weekend or holiday). c) if you die, c) if you die, c) if you die, c) if you die, 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  make your payment. make your payment. make your payment. make your payment.
    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  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)  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,
                                                                      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 
    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   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,  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  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  
                                                                      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 
    increase. The maximum ANNUAL PERCENTAGE RATE a Visa Platinum  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  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   Agreement. Agreement. Agreement. Agreement.
                                                                      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 
    will increase to is 18.00%. increase. The maximum ANNUAL PERCENTAGE RATE a Visa Platinum  increase. The maximum ANNUAL PERCENTAGE RATE a Visa Platinum  increase. The maximum ANNUAL PERCENTAGE RATE a Visa Platinum  increase. The maximum ANNUAL PERCENTAGE RATE a Visa Platinum  membership share on deposit with us, or membership share on deposit with us, or membership share on deposit with us, or membership share on deposit with us, or 23. Platinum Authorized. By accepting this Agreement, you authorize  23. Platinum Authorized. By accepting this Agreement, you authorize  23. Platinum Authorized. By accepting this Agreement, you authorize  23. Platinum Authorized. By accepting this Agreement, you authorize 
                                                                      includes balance transfers and cash advances. includes balance transfers and cash advances. includes balance transfers and cash advances. includes balance transfers and cash advances.
   will increase to is 18.00%. will increase to is 18.00%. will increase to is 18.00%. will increase to is 18.00%. 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. 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 
                                                                      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  
                                    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   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 
                                                                         Card may give credit for returns or adjustments, and they will do so by  
                                    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 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   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.
                                      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  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 
                                    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  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 
                                    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   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 
                                    reasonable attorney�s fees. reasonable attorney�s fees. reasonable attorney�s fees. reasonable attorney�s fees. 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