13.  CHANGING  OR  TERMINATING  YOUR  ACCOUNT  —  As 
permitted  by  law,  the  Credit  Union  may  change  the  terms 
of this Agreement and any attached Disclosure from time to 
time. Notice of any change will be given in accordance with 
applicable  law.  To  the  extent  permitted  by  law,  changes  to 
the  Agreement  may  apply  to  your  existing  account  balance 
as well as to future transactions. 
Either  you,  your  spouse  or  the  Credit  Union  may  terminate 
this  Agreement  at  any  time,  but  termination  by  you,  your 
spouse  or  the  Credit  Union  will  not  affect  your  obligation 
to  pay  the  account  balance  plus  any  finance  and  other 
charges you or your spouse owe under this Agreement. Your 
obligation  to  pay  the  account  balance  plus  any  finance  and 
other  charges  you  owe  under  this  agreement  are  subject 
to  all  applicable  laws  and  regulations  regarding  repayment 
requirements.
The  card  or  cards  you  receive  remain  the  property  of  the 
Credit  Union  and  you  must  recover  and  surrender  to  the 
Credit  Union  all  cards  upon  request  or  upon  termination  of 
this Agreement whether by you or the Credit Union. 
14.  CHANGING OR TERMINATING AUTHORIZED USERS — 
Upon  your  request,  we  may  issue  additional  cards  for 
authorized  users  that  you  designate.  You  must  notify  us  in 
writing  of  any  termination  of  an  authorized  user’s  right  to 
access  your  account.  Your  letter  must  include  the  name  of 
the  authorized  user  and  your  account  number  and/or  any 
subaccount number issued to the authorized user along with 
the  authorized  user’s  card  and  any  convenience  or  other 
access  checks  issued  to  the  authorized  user.  If  you  cannot 
return the authorized user’s card or access checks and if you 
request your account to be closed, we will close your account 
and you may apply for a new account.
15.  CREDIT  REVIEW  AND  RELEASE  OF  INFORMATION  — 
You  authorize  the  Credit  Union  to  investigate  your  credit 
standing  when  opening  or  reviewing  your  account.  You 
authorize the Credit Union to disclose information regarding 
your  account  to  credit  bureaus  and  creditors  who  inquire 
about  your  credit  standing.  If  your  account  is  eligible 
for  emergency  cash  and/or  emergency  card  replacement 
services,  and  you  request  such  services,  you  agree  that 
we  may  provide  personal  information  about  you  and  your 
account that is necessary to provide you with the requested 
service(s).
16.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and 
others  who  honor  your  card  may  give  credit  for  returns  or 
adjustments, and they will do so by sending the Credit Union 
a  credit  slip  which  will  be  posted  to  your  account.  If  your 
credits and payments exceed what you owe the Credit Union, 
the amount will be applied against future purchases and cash 
advances.  If  the  credit  balance  amount  is  $1.00  or  more,  it 
will be refunded upon your written request or automatically 
after six (6) months.

17.  ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The 
Credit Union may from time to time offer additional services 
to  your  account,  such  as  travel  accident  insurance,  at  no 
additional cost to you. You understand that the Credit Union 
is not obligated to offer such services and may withdraw or 
change them at any time.
18.  MERCHANT  DISPUTES  —  The  Credit  Union  is  not 
responsible  for  the  refusal  of  any  merchant  or  financial 
institution  to  honor  your  card.  The  Credit  Union  is  subject 
to  claims  and  defenses  (other  than  tort  claims)  arising  out 
of goods or services you purchase with the card if you have 
made  a  good  faith  attempt  but  have  been  unable  to  obtain 
satisfaction  from  the  merchant  or  service  provider,  and  (a) 
your  purchase  was  made  in  response  to  an  advertisement 
the Credit Union sent or participated in sending to you; or (b) 
your purchase cost more than $50.00 and was made in your 
state or within 100 miles of your home.
19.  JOINT  ACCOUNTS  —  If  this  is  a  joint  account,  each  of 
you will be individually and jointly responsible for paying all 
amounts  owed  under  this  Agreement.  This  means  that  the 
Credit Union can require any one of you individually to repay 
the entire amount owed under this Agreement. Each of you 
authorizes the other(s) to make purchases or cash advances 
individually. Any one of you may terminate the account and 
the termination will be effective as to all of you.
20.  EFFECT  OF  AGREEMENT  —  This  Agreement  is  the 
contract  which  applies  to  all  transactions  on  your  account 
even  though  the  sales,  cash  advances,  credit  or  other  slips 
you sign or receive may contain different terms.
21.  NO WAIVER — The Credit Union can delay enforcing any 
of its rights any number of times without losing them.
22.  STATEMENTS AND NOTICES — Statements and notices 
will be mailed or delivered to you at the appropriate address 
you  have  given  the  Credit  Union.  If  you  both  reside  at  the 
same  address,  one  copy  of  any  notice  required  by  the 
Wisconsin Consumer Act will be sent to both of you at that 
address; otherwise, separate notices will be sent to separate 
addresses.
23.  SEVERABILITY  AND  FINAL  EXPRESSION  —  This 
Agreement and the Disclosure are the final expression of the 
terms and conditions of your account. This written Agreement 
and Disclosure may not be contradicted by evidence of any 
alleged  oral  agreement.  Should  any  part  of  this  Agreement 
or the Disclosure be found to be invalid or unenforceable, all 
other  parts  of  this  Agreement  and  Disclosure  shall  remain 
in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement.
24.  COPY  RECEIVED  —  You  acknowledge  that  you  have 
received a copy of this Agreement and Disclosure.
25.  INTERNET GAMBLING TRANSACTIONS PROHIBITED — 
You may not use your card to initiate any type of electronic 
gambling transaction through the Internet.

26.  PENALTY RATE DISCLOSURES — If applicable to your 
account,  all  rates  for  your  account,  including  the  rates 
for  purchases,  cash  advances,  and  balance  transfers,  will 
increase to the Penalty Rate when you meet one or more of 
the conditions as set forth in the Disclosure accompanying 
this Agreement. Any rate increases applied to your account 
are  subject  to  applicable  notice  requirements.  Please  refer 
to  the  Disclosure  for  additional  information  regarding  the 
Penalty Rate.
27.  NOTICE  TO  UTAH  BORROWERS  —  This  written 
agreement  is  a  final  expression  of  the  agreement  between 
you  and  the  Credit  Union.  This  written  agreement  may  not 
be contradicted by evidence of any oral agreement.
28.  THE FOLLOWING IS REQUIRED BY VERMONT LAW — 
NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON  THIS 
NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR 
REPAYMENT  OF  THIS  LOAN.  IF  THE  BORROWER  DOES 
NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT 
FROM YOU.

Your Billing Rights: Keep this Document for Future Use

This notice tells you about your rights and our 
responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us 
at the address listed on your statement.
In your letter, give us the following information:

 -  Account  information:  Your  name  and  account 

number.

 -  Dollar amount: The dollar amount of the suspected 

error.

 -  Description of problem: If you think there is an error 
on your bill, describe what you believe is wrong and 
why you believe it is a mistake.

You must contact us:

 -  Within  60  days  after  the  error  appeared  on  your 

statement.

 -  At  least  3  business  days  before  an  automated 
payment  is  scheduled,  if  you  want  to  stop  payment 
on the am ount you think is wrong.

You  must  notify  us  of  any  potential  errors  in  writing  [or 
electronically].  You  may  call  us,  but  if  you  do  we  are  not 
required to investigate any potential errors and you may have 
to pay the amount in question.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

 1.  Within 30 days of receiving your letter, we must tell 
you that we received your letter. We will also tell you 
if we have already corrected the error.

 2.  Within  90  days  of  receiving  your  letter,  we  must 
either  correct  the  error  or  explain  to  you  why  we 
believe the bill is correct. 

While we investigate whether or not there has been an error:
 -  We  cannot  try  to  collect  the  amount  in  question,  or 

report you as delinquent on that amount.

 -  The charge in question may remain on your statement, 
and we may continue to charge you interest on that 
amount.

 -  While you do not have to pay the amount in question, 
you are responsible for the remainder of your balance.
 -  We can apply any unpaid amount against your credit 

limit. 

 2.  You must have used your credit card for the purchase. 
Purchases made with cash advances from an ATM or 
with  a  check  that  accesses  your  credit  card  account 
do not qualify.

 3.  You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied 
with the purchase, contact us in writing [or electronically] at 
the address listed on your statement.
While  we  investigate,  the  same  rules  apply  to  the  disputed 
amount as discussed above. After we finish our investigation, 
we  will  tell  you  our  decision.  At  that  point,  if  we  think  you 
owe an amount and you do not pay, we may report you as 
delinquent.

 - 

After  we  finish  our  investigation,  one  of  two  things  will 
happen:
 - 

If we made a mistake: You will not have to pay the 
amount  in  question  or  any  interest  or  other  fees 
related to that amount.
If  we  do  not  believe  there  was  a  mistake:  You 
will  have  to  pay  the  amount  in  question,  along 
with  applicable  interest  and  fees.  We  will  send 
you  a  statement  of  the  amount  you  owe  and  the 
date  payment  is  due.  We  may  then  report  you  as 
delinquent if you do not pay the amount we think you 
owe. 

If  you  receive  our  explanation  but  still  believe  your  bill  is 
wrong, you must write to us within 10 days telling us that 
you still refuse to pay. If you do so, we cannot report you as 
delinquent  without  also  reporting  that  you  are  questioning 
your  bill.  We  must  tell  you  the  name  of  anyone  to  whom 
we  reported  you  as  delinquent,  and  we  must  let  those 
organizations  know  when  the  matter  has  been  settled 
between us.
If we do not follow all of the rules above, you do not have 
to pay the first $50 of the amount you question even if your 
bill is correct.

Your Rights if You Are Dissatisfied With Your Credit Card 
Purchases
If  you  are  dissatisfied  with  the  goods  or  services  that  you 
have  purchased  with  your  credit  card,  and  you  have  tried 
in good faith to correct the problem with the merchant, you 
may have the right not to pay the remaining amount due on 
the purchase.
To use this right, all of the following must be true:

 1.  The  purchase  must  have  been  made  in  your  home 
state  or  within  100  miles  of  your  current  mailing 
address,  and  the  purchase  price  must  have  been 
more than $50. (Note: Neither of these are necessary 
if your purchase was based on an advertisement we 
mailed  to  you,  or  if  we  own  the  company  that  sold 
you the goods or services.)

© CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved  

1-261V1Q00
CCM002
MXC501

1700 Oak Forest Drive
Onalaska, WI 54650
800-755-0055 (cid:129) 608-787-4500 
www.altra.org

TRADITIONAL REWARDS / 
STUDENT REWARDS / 
SIGNATURE / NON-REWARDS
CONSUMER CREDIT CARD AGREEMENT
 In this Agreement, “Agreement” means this Consumer Credit 
Card Agreement. “Disclosure” means the Credit Card Account 
Opening  Disclosure.  The  Account  Opening  Disclosure  is 
incorporated  into  this  Consumer  Credit  Card  Agreement 
and  is  part  of  the  Agreement.  In  this  Agreement  the  words 
“you,” “your,” and “yours” mean each and all of those who 
agree to be bound by this Agreement; “card” means the Visa 
credit card and any duplicates, renewals, or substitutions the 
Credit Union issues to you; “account” means your Visa credit 
card line-of-credit account with the Credit Union; and “Credit 
Union” means the Credit Union whose name appears on this 
Agreement  or  anyone  to  whom  the  Credit  Union  transfers 
this Agreement.
1.   USING  YOUR  ACCOUNT  —  If  you  are  approved  for  an 
account,  the  Credit  Union  will  establish  a  line  of  credit  for 
you. You agree that your credit limit is the maximum amount 
(purchases,  cash  advances,  finance  charges,  plus  “other 
charges”) which you will have outstanding on your account 
at  any  time.  Unless  disclosed  otherwise,  the  Credit  Union 
will  not  allow  advances  over  the  credit  limit.  If  the  Credit 
Union has a program whereby it allows payment of advances 
that  exceed  your  credit  limit,  subject  to  a  fee,  the  Credit 
Union  will  provide  you  with  notice,  either  orally,  in  writing, 
or  electronically  (notwithstanding  the  requirements  of  the 
paragraph entitled “Statements and Notices”) explaining your 
right to opt in to the Credit Union’s program whereby it will 
honor advance requests over the credit limit. In the event you 
opt in to such a program, you agree to the terms of such a 
program.  You  may  request  an  increase  in  your  credit  limit 
only by a method acceptable to the Credit Union. The Credit 
Union  may  increase  or  decrease  your  credit  limit,  refuse  to 
make an advance and/or terminate your account at any time 
for any reason not prohibited by law. If you are permitted to 
obtain cash advances on your account, we may, from time to 
time, issue convenience checks to you that may be drawn on 
your account. Convenience checks may not be used to make 
a payment on your account balance. If you use a convenience 
check, it will be posted to your account as a cash advance. 
We  reserve  the  right  to  refuse  to  pay  a  convenience  check 

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M-109698

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drawn on your account for any reason and such refusal shall 
not constitute wrongful dishonor.
You may request that we stop the payment of a convenience 
check  drawn  on  your  account.  You  agree  to  pay  any  fee 
imposed to stop a payment on a convenience check issued 
on  your  account.  You  may  make  a  stop  payment  request 
orally, if permitted, or in writing. Your request must be made 
with  sufficient  time  in  advance  of  the  presentment  of  the 
check for payment to give us a reasonable opportunity to act 
on  your  request.  In  addition,  your  request  must  accurately 
describe the check including the exact account number, the 
payee,  any  check  number  that  may  be  applicable,  and  the 
exact amount of the check. If permitted, you may make a stop 
payment  request  orally  but  such  a  request  will  expire  after 
14  days  unless  you  confirm  your  request  in  writing  within 
that time. Written stop payment orders are effective only for 
six (6) months and may be renewed for additional six month 
periods by requesting in writing that the stop payment order 
be renewed. We are not required to notify you when a stop 
payment  order  expires.  If  we  re-credit  your  account  after 
paying a check or draft over a valid and timely stop payment 
order, you agree to sign a statement describing the dispute 
with the payee, to assign to us all of your rights against the 
payee  or  other  holders  of  the  check  or  draft  and  to  assist 
us  in  any  legal  action.  You  agree  to  indemnify  and  hold  us 
harmless  from  all  costs  and  expenses,  including  attorney’s 
fees, damages, or claims, related to our honoring your stop 
payment request or in failing to stop payment of an item as a 
result of incorrect information provided to us or the giving of 
inadequate time to act upon a stop payment request. 
2.   USING  YOUR  CARD  —  You  understand  that  the  use 
of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement of receipt and agreement to the terms of 
the Credit Card Agreement and Credit Card Account Opening 
Disclosure  (Disclosure).  You  may  use  your  card  to  make 
purchases  from  merchants  and  others  who  accept  your 
card.  The  credit  union  is  not  responsible  for  the  refusal  of 
any  merchant  or  financial  institution  to  honor  your  card.  If 
you wish to pay for goods or services over the Internet, you 
may be required to provide card number security information 
before  you  will  be  permitted  to  complete  the  transaction. 
In  addition,  you  may  obtain  cash  advances  from  the  Credit 
Union, from other financial institutions that accept your card, 
and  from  some  automated  teller  machines  (ATMs).  (Not  all 
ATMs accept your card.) If the credit union authorizes ATM 
transactions  with  your  card,  it  will  issue  you  a  personal 
identification  number  (PIN).  To  obtain  cash  advances  from 
an  ATM,  you  must  use  the  PIN  issued  to  you  for  use  with 
your  card.  You  agree  that  you  will  not  use  your  card  for 
any  transaction  that  is  illegal  under  applicable  federal, 
state,  or  local  law.  Even  if  you  use  your  card  for  an  illegal 
transaction,  you  will  be  responsible  for  all  amounts  and 

charges  incurred  in  connection  with  the  transaction.  If  you 
are permitted to obtain cash advances on your account, you 
may also use your card to purchase instruments and engage 
in  transactions  that  we  consider  the  equivalent  of  cash. 
Such  transactions  will  be  posted  to  your  account  as  cash 
advances and include, but are not limited to,  wire transfers, 
money orders, bets, lottery tickets, and casino gaming chips, 
as  applicable.  This  paragraph  shall  not  be  interpreted  as 
permitting or authorizing any transaction that is illegal.
3.   PROMISE  TO  PAY  —  You  promise  to  pay  all  charges 
(purchases,  cash  advances,  balance  transfers,  use  of 
convenience  checks  or  any  other  charge)  made  to  your 
account by you or anyone you authorize to use your account. 
You also promise to pay all finance charges and other charges 
added to your account under the terms of this Agreement or 
another  agreement  you  made  with  the  Credit  Union.  If  this 
is a joint account, the paragraph on JOINT ACCOUNTS also 
applies to your account.
4.   PERIODIC  RATES  —  The  periodic  rates  applicable 
to  purchases,  cash  advances,  and  balance  transfers 
are  disclosed  on  the  Disclosure  that  accompanies  this 
Agreement.  Any  penalty  rate  that  may  be  imposed  for 
failing  to  make  a  payment  by  the  payment  due  date  is  also 
disclosed  on  the  Disclosure.  Any  rate  change  will  be  made 
pursuant  to  applicable  law.  If  the  rate  for  your  account  is 
variable,  as  indicated  on  the  accompanying  Disclosure,  the 
rate charged on purchases, cash advances, balance transfers 
and  any  penalty  rate  will  vary  periodically  as  disclosed  in 
the  Disclosure  accompanying  this  Agreement.  The  initial 
rate  on  your  account  for  certain  types  of  transactions  may 
be  an  introductory  discounted  rate  (Introductory  Rate)  that 
is  lower  than  the  rate  that  would  ordinarily  apply  for  that 
type  of  transaction.  If  an  Introductory  Rate  applies  to  your 
account, the rates and the period of time it will be effective 
is  shown  on  the  Disclosure  accompanying  this  Agreement. 
After the Introductory Rate period expires, the periodic rate 
will automatically increase to the rates that would ordinarily 
apply for that type of transaction based on the terms of this 
Agreement. 
5.   FINANCE  CHARGES  —  New  purchases  posted  to  your 
account during a billing cycle will not incur a finance charge 
for  that  billing  cycle.  Finance  charge  begins  to  accrue  on 
those purchases from the first day of the next billing cycle, 
unless  you  paid  the  entire  new  balance  on  the  previous 
cycle’s  billing  statement  by  the  payment  due  date  of  that 
statement.  To  avoid  an  additional  finance  charge  on  the 
balance of purchases, you must pay the entire new balance 
on  the  billing  statement  by  the  payment  due  date  of  that 
statement.   A  finance  charge  begins  to  accrue  on  cash 
advances  from  the  date  you  get  the  cash  advance  or  from 
the first day of the billing cycle in which the cash advance is 
posted to your account, whichever is later (transaction date).

 The  finance  charge  is  calculated  separately  for  purchases 
and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily 
balance of purchases. To calculate the average daily balance 
of  purchases,  we  take  the  beginning  outstanding  balance 
of  purchases  each  day  and  subtract  any  payments  and/or 
credits  that  we  apply  to  the  purchase  balance.  (We  do  not 
add in any purchases posted during the billing cycle.) This 
gives us the daily balance of purchases. We then add all of 
the daily balances of purchases for the billing cycle together 
and divide the total by the number of days in the billing cycle. 
This gives us the average daily balance of purchases. 
 For  cash  advances,  the  finance  charge  is  computed  by 
applying  the  periodic  rate  to  the  average  daily  balance  of 
cash  advances.  To  calculate  the  average  daily  balance  of 
cash  advances,  we  take  the  beginning  outstanding  balance 
of cash advances each day, add in any new cash advances, 
and  subtract  any  payments  and/or  credits  that  we  apply  to 
the cash advance balance. This gives us the daily balance of 
cash advances. We then add all of the daily balances of cash 
advances  for  the  billing  cycle  together  and  divide  the  total 
by the number of days in the billing cycle. This gives us the 
average  daily  balance  of  cash  advances.   Balance  transfers 
are calculated in the same manner as cash advances.
6.   FOREIGN  TRANSACTIONS  —  Purchases  and  cash 
advances  made  in  foreign  currencies  will  be  debited  from 
your  account  in  U.S.  dollars.  The  exchange  rate  between 
the  transaction  currency  and  the  billing  currency  used  for 
processing  international  transactions  is  a  rate  selected  by 
Visa  from  a  range  of  rates  available  in  wholesale  currency 
markets  for  the  applicable  central  processing  date,  which 
rate  may  vary  from  the  rate  Visa  itself  receives  or  the 
government-mandated rate in effect for the applicable central 
processing date. The exchange rate used on the processing 
date may differ from the rate that would have been used on 
the purchase date or cardholder statement posting date.
A  fee  (finance  charge),  calculated  in  U.S.  dollars,  will  be 
imposed  on  all  multiple  currency  foreign  transactions, 
including  purchases,  cash  advances  and  credits  to  your 
account.  A  fee  (finance  charge),  calculated  in  U.S.  dollars, 
will be imposed on all single currency foreign transactions, 
including  purchases,  cash  advances  and  credits  to  your 
account.  A  foreign  transaction  is  any  transaction  that  you 
complete  or  a  merchant  completes  on  your  card  outside 
of  the  United  States,  with  the  exception  of  U.S.  military 
bases,  U.S.  territories,  U.S.  embassies  or  U.S.  consulates. 
The  Foreign  Transaction  Fee  is  set  forth  on  the  Disclosure 
accompanying this Agreement.
7.   FEES  —  In  addition  to  the  periodic  rate,  the  following 
additional fees may be imposed on your account. If applicable 
to  your  account,  the  fee  amounts  and  explanations  are 
disclosed on the Disclosure accompanying this Agreement. 

Your account may also be subject to additional fees as set 
forth on the Disclosure accompanying this Agreement.
a.   Balance Transfer Fee (Finance Charge). If your account 
is subject to a Balance Transfer Fee (finance charge), the fee 
as disclosed on the Disclosure accompanying this Agreement 
will be charged to your account when you transfer a balance 
from an account of another creditor to the account subject 
to this Agreement.
b.   Cash Advance Fee (Finance Charge). If your account is 
subject to a Cash Advance Fee (finance charge), the fee will 
be charged to your account when you obtain a cash advance 
from an ATM, the Credit Union or other financial institution. 
c.   Foreign  Transaction  Fee  (Finance  Charge).  If  your 
account  is  subject  to  a  Foreign  Transaction  Fee  (finance 
charge), a fee may be charged to your account for transactions 
made outside of the United States or in a foreign currency. 
d.   Late  Payment  Fee.  A  late  fee  will  be  charged  to  your 
account  if  you  make  your  payment  later  than  the  fifth  day 
after the payment’s due date.
e.   Returned  Payment  Fee.  If  your  account  is  subject  to 
a  Returned  Payment  Fee,  the  fee  will  be  charged  to  your 
account when a payment is returned for any reason.
f.   Statement  Copy  Fee.  If  your  account  is  subject  to  a 
Statement Copy Fee, except as limited by applicable law and 
when the request is made in connection with a billing error 
made  by  the  Credit  Union,  a  fee  may  be  charged  to  your 
account for each copy of a sales draft or statement that you 
request.
g.   Document  Copy  Fee.  If  your  account  is  subject  to  a 
Document Copy Fee, except as limited by applicable law, a 
fee may be charged to your account for each copy of a sales 
draft or statement that you request (except when the request 
is made in connection with a billing error made by the Credit 
Union).
h.   Rush  Fee.  If  your  account  is  subject  to  a  Rush  Fee, 
except as limited by applicable law, a fee may be charged to 
your account for each rush card that you request, providing 
delivery of the card is also available by standard mail service, 
without paying a fee for delivery.
i.   Card  Replacement  Fee.  If  your  account  is  subject  to 
a  Card  Replacement  Fee,  a  fee  will  be  charged  for  each 
replacement card that is issued to you for any reason.
j.   Pay-by-Phone  Fee.  If  your  account  is  subject  to  the 
Pay-by-Phone Fee, a fee will be charged for each time you 
make a payment by telephone as disclosed on the Disclosure 
accompanying this Agreement.
k.   Balance Transfer Stop Payment Fee. If your account is 
subject to the Balance Transfer Stop Payment Fee, a fee will 
be charged to your account as disclosed on the Disclosure 
accompanying this Agreement.

l.   Expedited  Payment  Fee.  If  your  account  is  subject  to 
the  Expedited  Payment  Fee,  a  fee  will  be  charged  to  your 
account  as  disclosed  on  the  Disclosure  accompanying  this 
Agreement.
8.   PAYMENTS  —  Each  month  you  must  pay  at  least  the 
minimum  payment  shown  on  your  statement  by  the  date 
specified  on  the  statement.  You  may  pay  more  frequently, 
pay  more  than  the  minimum  payment  or  pay  the  total  new 
balance  in  full.  If  you  make  extra  or  larger  payments,  you 
are  still  required  to  make  at  least  the  minimum  payment 
each month your account has a balance (other than a credit 
balance).   For  our  Traditional  Rewards  card,  the  minimum 
payment  is  2.00%  of  your  total  new  balance,  or  $25.00, 
whichever is greater, plus the amount of any prior minimum 
payments  that  you  have  not  made,  all  outstanding  unpaid 
fees and charges, and any amount you are over your credit 
limit by the date specified on the statement. For our Student 
Rewards  card,  the  minimum  payment  is  2.00%  of  your 
total new balance, or $25.00, whichever is greater, plus the 
amount  of  any  prior  minimum  payments  that  you  have  not 
made,  all  outstanding  unpaid  fees  and  charges,  and  any 
amount you are over your credit limit by the date specified on 
the statement. For our Signature card, the minimum payment 
is 2.00% of your total new balance, or $25.00, whichever is 
greater, plus the amount of any prior minimum payments that 
you have not made, all outstanding unpaid fees and charges, 
and  any  amount  you  are  over  your  credit  limit  by  the  date 
specified  on  the  statement.  For  our  Non-Rewards  card,  the 
minimum  payment  is  2.00%  of  your  total  new  balance,  or 
$25.00,  whichever  is  greater,  plus  the  amount  of  any  prior 
minimum payments that you have not made, all outstanding 
unpaid fees and charges, and any amount you are over your 
credit limit by the date specified on the statement. The Credit 
Union  also  has  the  right  to  demand  immediate  payment  of 
any amount by which you are over your credit limit. 
9.   PAYMENT  ALLOCATION  —  Subject  to  applicable  law, 
your  payments  may  be  applied  to  what  you  owe  the  Credit 
Union  in  any  manner  the  Credit  Union  chooses.  However, 
in every case, in the event you make a payment in excess of 
the  required  minimum  periodic  payment,  the  Credit  Union 
will allocate the excess amount first to the balance with the 
highest annual percentage rate and any remaining portion to 
the other balances in descending order based on applicable 
annual percentage rate. 
10.  SECURITY  INTEREST  —  You  grant  the  Credit  Union  a 
security  interest  under  the  Uniform  Commercial  Code  and 
under  any  common  law  rights  the  Credit  Union  may  have 
in  any  goods  you  purchase.  If  you  give  the  Credit  Union 
a  specific  pledge  of  shares  by  signing  a  separate  pledge 
of  shares,  your  pledged  shares  will  secure  your  account. 
You  may  not  withdraw  amounts  that  have  been  specifically 
pledged to secure your account until the Credit Union agrees 
to release all or part of the pledged amount. 

Your  Account  is  secured  by  all  other  shares  you  have 
in any individual or joint account with the Credit Union, 
except for shares in an Individual Retirement Account or 
in any other account that would lose special tax treatment 
under  state  or  federal  law  if  given  as  security.  These 
other shares may be withdrawn unless you are in default 
under  this  agreement.  You  authorize  the  Credit  Union 
to  apply  the  balance  in  your  individual  or  joint  share 
accounts to pay any amounts due on your Account if you 
should default.

Collateral securing other loans you have with the Credit Union 
may also secure this loan, except that a dwelling will never 
be  considered  as  security  for  this  account,  notwithstanding 
anything to the contrary in any other agreement. 
11.  DEFAULT — Upon default, the entire outstanding balance 
due  under  this  Agreement  shall,  unless  excused  by  our 
Board  of  Directors,  become  immediately  due  and  payable, 
subject only to any right to cure default which you may have 
under Section 425.105 of the Wisconsin Statutes. A default 
shall  be  deemed  to  have  occurred  if  (a)  you  fail  to  make 
payments when due on two occasions within any 12-month 
period, or (b) you fail to observe any other covenant of this 
Agreement,  you  or  your  spouse  die,  change  marital  status, 
change  marital  domicile  or  become  insolvent  or  subject  of 
a bankruptcy or other insolvency proceeding, if such failure, 
act  or  occurrence  materially  impairs  your  ability  to  pay 
the  amount  due  under  this  Agreement  or  breach  of  which 
materially  impairs  the  condition,  value  or  protection  of  the 
merchant’s rights in any collateral securing the transaction. 
In  addition,  notwithstanding  Sections  425.103  and  425.105 
of the Wisconsin Statutes, in the event we receive a notice of 
termination of this Agreement from the spouse of a borrower 
pursuant  to  Section  766.565(5),  Wisconsin  Statutes,  we 
may declare the entire outstanding balance of the Agreement 
immediately  due  and  payable.  If  immediate  payment  is 
demanded,  you  agree  to  continue  paying  finance  charges 
at  the  periodic  rate  charged  before  the  default,  until  what 
you  owe  has  been  paid,  and  any  shares  that  were  given  as 
security for your account may be applied towards what you 
owe.
12.  LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN 
CARD NOTIFICATION — You agree to notify us immediately, 
orally  or  in  writing,  at  1700  Oak  Forest  Dr.,  Onalaska,  WI 
54650 or telephone (800) 449-7728 seven (7) days a week, 
24 hours a day, of the loss, theft, or unauthorized use of your 
credit  card.  You  may  be  liable  for  the  unauthorized  use  of 
your credit card. You will not be liable for unauthorized use 
that occurs after you notify us of the loss, theft, or possible 
unauthorized use. You will have no liability for unauthorized 
purchases made with your credit card, unless you are grossly 
negligent  in  the  handling  of  your  card.  In  any  case,  your 
liability will not exceed $50.00.

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