visa® credit card disclosure

        InTeResT RATes & InTeResT ChARges   
Annual Percentage Rate (APR) for Purchases: 
APR for Balance Transfers: 
APR for Cash Advances: 
Paying Interest 

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

Returned Payment 

vIsA® PlATInum 
8.9% 
8.9% 
8.9% 

vIsA® ClAssIC 
11.9% 
11.9% 
11.9% 

vIsA® seleCT 
15.5%
15.5%
15.5%

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on 
purchases if you pay your entire balance by the due date each month. We will begin charging interest 
on cash advances and balance transfers on the transaction date.

To learn more about factors to consider when applying for or using a credit card, visit the website of 
the Consumer Financial Protection Bureau at  http://www.consumerfinance.gov/learnmore.

  1% of each transaction in u.s. dollars.
up to $25 
up to $25

How we will calculate your balance: We use a method called “average daily balance (including new purchases)” 
Billing rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Wings Credit Card Agreement and Truth-in-lending Disclosure.
Rates are effective as of 4/1/12 and are subject to change. Call 1 800 692-2274 for current rate information.

m-106333   4-12

 
                            
 
 
CREDIT CARD AGREEMENT AND 
TRUTH-IN-LENDING DISCLOSURE

This  is  your  Credit  Card  Agreement  and  Truth-In-Lending  Disclosure. 
Please read and file with your records. This Agreement and Disclsure,  
required  by  law,  states  the  terms  and  conditions  governing  your 
account(s). 

In  this  Agreement  the  words  “you”  and  “your”  mean  each  and  all  
of  those  who  apply  for  the  Credit  Card.  “We”,  “us”,  and  “ours” 
mean  Wings  Financial  Credit  Union,  located  with  its  main  office  in  
Minnesota.  “Card”  means  the  Credit  Card  and  any  duplicates  and  
renewals  we  issue.  “Account”  means  your  Credit  Card  Line-of-Credit 
account with us.

BY KEEPING THE CREDIT CARD, SIGNING IT, USING IT, OR
PERMITTING ANOTHER TO USE IT, YOU AGREE TO ALL THE TERMS  
AND CONDITIONS OF THIS AGREEMENT.

1.  Affect  of  Agreement.  This  Agreement  is  the  contract  which  
applies  to  all  transactions  on  your  Account  even  though  the  sales, 
cash  advance,  or  credit  slips  you  sign  or  receive  may  contain  
different  terms.  Subject  to  applicable  law,  we  may  amend  this  
Agreement including, but not limited to, changing the rate or method 
of  determining  the  finance  charge,  by  sending  you  the  advance  
written notice as required by law. To the extent the law permits, and 
we  indicate  in  our  notice,  amendments  will  apply  to  your  existing  
account balances as well as to future transactions.
2.  Responsibility:  Joint  Account.  If  we  issue  a  Card  to  you,  you 
agree to repay all debts and the finance charge from the use of your 
Card  and  the  Account.  For  example,  you  are  responsible  for  charges 
made by you, your spouse, and minor children. You cannot transfer or  
assign your account to another person. You are responsible for charges 
made by anyone else to whom you give the Card, and this responsibility 
continues until the Card is recovered. You cannot avoid responsibility 
by  notifying  us,  but  we  will  close  the  Account  as  soon  as  possible  
for  new  transactions  after  you  request  and  return  all  Cards.  Your  
obligation to pay the Account balance continues even though an agree-
ment, divorce decree or other court judgement to which we are a party 
may  direct  you  or  one  of  the  other  persons  responsible  to  pay  the  
Account. Any person using the Card is jointly responsible with you for 
charges he or she makes. Any person who signs the Card becomes a 
party to this Agreement and is jointly responsible for all charges on the 
Account, including yours.

3.  Finance  Charges.  You  can  avoid  the  finance  charge  (interest  on 
purchases  by  paying  the  full  amount  of  the  New  Balance  of  
Purchases each month within 25 days of your statement closing date. 
Otherwise, the New Balance of Purchases, and subsequent purchases 
from  the  date  they  are  posted  to  your  Account,  will  be  subject  to  a  
finance charge. Cash Advances are always subject to a finance charge 
from the date they are posted to your Account. The finance charge will 
be applied to the average daily principal balances of purchases and 
cash advances of your Account. We figure the finance charge on your  
account  by  applying  the  periodic  rate  to  the  “average  daily  balance” 
of  your  Account  (including  current  transactions).  To  get  the  “average 
daily  balance”  we  take  the  beginning  balance  of  your  Account 
each  day,  add  any  new  purchases,  cash  advances,  and  subtract  any  
payment or credits and unpaid finance charges and fees. This gives us 
the daily balance. Then we add up all the daily balances for the billing 
cycle and divide the total by the number of days in the billing cycle. 
This gives us the “average daily balance.” 

4.  Other  Charges.  The  following  charges,  when  applicable,  may  be 
charged  to  your  Credit  Card  Account;  returned  payment  fee  up  to  
$25,  replacement  fee  for  lost  card  $10,  late  payment  fee  up  to  $25, 
statement  copy  fee  $2,  and  copy  of  charge  slip  $2.  A  fee  may  be  
imposed  for  a  transaction  or  balance  inquiry  at  an  ATM  by  an  ATM  
operator or by a national, regional, or local network used to complete 
a transaction.
5. Monthly Statement and Payments. If you have a balance in excess 
of  $1.00,  we  will  mail  to  you,  on  a  date  selected  by  us,  a  periodic 
monthly  statement  listing  all  amounts  you  owe  on  this  account.  
You  agree  to  examine  the  statement  upon  receipt  and  immediately  
notify us of any charge or item which you believe is an error or subject 
to  dispute.  If  you  do  not  notify  us  within  60  days  of  the  billing  date  
of  such  inaccuracies,  the  statement  will  be  considered  by  us  to  be  
accepted by you as correct. Every month you must pay, in United States 
dollars, at least the Minimum Payment required within 25 days of your 
statement closing date as shown on your monthly statement. You may, 
of course, pay more frequently, pay more than the Minimum Payment, 
or pay the Total New Balance in full, and reduce the finance charge by 
doing so. The Minimum Payment will either be: 
a)  three percent (3%) of your total New Balance or $10.00, whichever 

is greater, or

b)  your Total New Balance, if it is less than $10.00, plus
c)  any portion of the Minimum Payment(s) shown on prior statement(s) 

which remains unpaid.

In addition, at any time your Total New Balance exceeds your Credit 
Limit, you must immediately pay the excess upon our demand. We will 
apply your payments in the following order:

a) to the previously billed and unpaid finance charge on purchases,
b)  to the previously billed and unpaid finance charge on  

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

However, any payment equal to, or greater than, the Previous Balance
of  Purchases  will  be  applied  first  to  that  balance  and  any  finance 

charge  on  that  balance  so  as  to  avoid  continuing  accrual  of  finance 
charge on that amount. Purchases and cash advances will be paid off 
in  the  order  they  were  posted  to  your  Account.  If  two  or  more  pur-
chases  were  posted  on  the  same  day,  your  payment  will  be  applied 
to the smallest purchases first. You will be responsible for all matters 
shown on each monthly statement unless you notify us in writing of 
any  dispute  within  60  days  after  the  statement  date  in  the  manner  
required by the notice entitled “Your Billing Rights – Keep This Notice 
For Future Use” included in this Agreement.
6.  Default.  You  will  be  in  default  if  you  fail  to  make  any  Minimum  
Payment  within  25  days  after  the  monthly  statement  closing  date.  
You will also be in default if:
a) upon an adverse reevaluation of your creditworthiness,
b) there are bankruptcy or insolvency proceedings involving you,
c) you die,
d) you make a misrepresentation in connection with your Account,
e)  you default on any obligation to us, under this Agreement or  

otherwise,

f) you cancel your membership with us, 
g) you exceed your Line-of-Credit.

We have the right to demand immediate payment of your full account  
balance  if  you  are  in  default.  If  permitted  by  law,  you  will  also  be  
required  to  pay  our  collection  expenses,  including  court  costs  and  
reasonable attorney’s fees.
7.  Lost  Card  Notification.  If  you  believe  your  Card  has  been  lost  or  
stolen, you will immediately call the Credit Card Lost/Stolen number at  
(800) 449-7728. Address all written correspondence to Card Services, 
Wings  Financial  Credit  Union,  14985  Glazier  Avenue,  Apple  Valley,  
MN 55124.
8. Liability for Unauthorized Use Under Federal Law. Any Card or 
other credit instrument issued to you is the property of Wings Financial 
Credit Union, and must be returned to us immediately upon demand or 
upon notice of cancellation or withdrawal of the Card. 

If  your  statement  shows  transfers  that  you  did  not  make,  tell  us  at 
once. If you do not tell us within sixty (60) days after the statement was 
mailed to you, you may not get back any money you lost after the sixty 
(60) days if we can prove that we could have stopped someone from 
taking the money if you had told us in time. If a good reason (such as 
a long trip or hospital stay) kept you from telling us, we will extend the  
time period.
Business  or  organization  accounts  in  which  ten  or  more  cards  
have  been  issued  to  employees  or  associates  are  not  subject  to  the 
limitations on liability.
9.  Credit  Line.  You  agree  not  to  let  the  account  balance  exceed  the  
approved  Line-of-Credit.  Each  payment  you  make  on  the  Account 
will  restore  your  Line-of-Credit  by  the  amount  of  payment  which  is 
applied  to  the  principal.  You  may  request  an  increase  in  your  Line-
of-Credit,  which  must  be  approved  by  us,  by  calling  or  writing  us.  
We  may,  at  our  discretion,  increase  your  Line-of-Credit  from  time  to 
time upon notifying you in writing of the increase. By giving you written 
notice  we  may  reduce  your  Line-of-Credit  at  any  time.  We  may  also, 
with  good  cause,  revoke  your  Card  and  terminate  this  Agreement. 
Good  cause  includes  your  failure  to  comply  with  this  Agreement,  

or  our  decision  that  you  are  no  longer  a  good  credit  risk.  Such  
termination  by  us  does  not  affect  your  obligation  to  pay  us  the  
Account balance. “Line-of-Credit” may also be called “Credit Limit” in 
this Agreement and in your monthly statement. 
10.  Credit  Information.  At  any  time  we  may  request,  and  you  will 
give,  information  to  us  as  we  deem  necessary  to  reevaluate  your  
Account  or  credit  worthiness.  You  authorize  us  to  investigate 
your  credit  standing  at  any  time,  and  you  authorize  us  to  disclose  
information  regarding  your  account  to  credit  bureaus  and  other  
creditors  who  ask  us  about  your  credit  standing.  We  will  take  
reasonable steps to protect your rights under Federal and State law.
11.  Using  the  Card.  To  make  a  purchase  or  cash  advance,  there 
are  two  alternative  procedures  that  you  may  follow.  One  is  for  you 
to  present  the  Card  to  a  participating  plan  merchant,  to  us,  or  to  
another financial institution, and sign the sales or cash advance draft 
which will be imprinted with your Card. The other is to complete the  
transaction  by  using  your  Personal  Identification  Number  (PIN)  
together with the Card in an Automated Teller Machine or other type 
of electronic terminal that provides access to the Credit Card system. 
The monthly statement will identify the merchant, electronic terminal, 
or  financial  institution  at  which  transactions  were  made.  Sales,  cash 
advance,  credit  or  other  slips  will  not  be  returned  with  the  monthly 
statement.  You  will  keep  the  copy  of  the  slips  furnished  at  the  time 
of the transaction in order to verify the monthly statement. There is a  
limitation of 15 transactions per day. 
12.  Returns  and  Adjustments.  Merchants  and  others  who  honor  
the Card may give credit for returns or adjustments, and they will do 
so by issuing a credit slip which will be posted to your Account. If your 
credits and payments exceed what you owe us, we will apply this credit 
balance against future purchases and cash advances to your Account. 
If this credit balance is $1.00 or more, we will refund it per your written 
request.
13.  Foreign  Transactions.  Purchases  and  cash  advances  you  make  
in  foreign  countries  currencies  will  be  billed  to  you  in  U.S.  dollars.  
The  conversion  to  dollars  will  be  made  according  to  the  operating 
transactions  established  by  VISA  
regulations  for 
International,  Inc.  Currently,  those  Regulations  provide  that  the  
currency  conversion  rate  to  be  used  is  either  a  wholesale  market  
rate  or  a  government  mandated  rate  in  effect  one  day  prior  to  the  
processing  date,  increased  by  one  percent  (1%).  For  transactions  
involving  your  MasterCard,  you  will  be  charged  1%  calculated  on 
the  final  settlement  amount  for  transactions  that  are  initiated  in  a  
foreign country. In either case, the currency conversion rate in effect  
on the processing date may differ from the rate in effect on the trans-
action  date  or  the  posting  date.  The  currency  conversion  rate  used  
may be the same as, greater than or less than the amount that would be  
calculated by conversion through a financial institution in the country 
in which the purchase or advance occurred. We do not determine the  
currency  conversion  rate  which  is  used  and  we  do  not  receive  any  
portion of the currency conversion rate.
14.  Irregular  Payments.  We  may  accept  late  payments,  partial  
payments,  and  checks  marked  “Payment  in  Full”  and  disregard  such 
statements  (or  accompanying)  without  waiving  or  losing  any  right  to 
demand payment as set forth in this Agreement.

international 

M-103179    01/11

Special rule for credit card purchases. If you have a problem with the 
quality of goods or services that you purchase with a credit card and 
you have tried in good faith to correct the problem with the merchant, 
you may not have to pay the remaining amount due on the goods or 
services. You have this protection only when the purchase price was 
more than $50.00 and the purchase was made in your home state or 
within  100  miles  of  your  mailing  address.  (If  we  own  or  operate  the 
merchant, or if we mailed you the advertisement for the property or 
services, all purchases are covered regardless of amount or location of 
purchase.)

IMPORTANT SECURITY INTEREST NOTICE
Pledge of Deposits for Repayment of Credit Card
By  accepting  (evidenced  by  use)  the  enclosed  card,  you  grant  Wings 
Financial a Security Interest in all shares, deposits and dividends now 
or in the future held in the name of all credit card account owners at 
Wings  Financial  (excluding  funds  held  in  an  Individual  Retirement  
Account).

The  Security  Interest  secures  payment  of  all  credit  card  indebted-
ness, including all future advances, and gives Wings Financial the right  
to  deduct  all  or  part  of  the  credit  card  debt  due  if  payment  is  not  
timely made.

If you do not agree to the Security Interest pledge, please cut up 
the  enclosed  card(s)  and  return  to:  Card  Service,  Wings  Financial 
Credit Union, 14985 Glazier Avenue, Apple Valley, MN 55124

15.  Termination.  You  may  terminate  this  Agreement  at  any  time  
without reason by notifying us in writing. Upon termination you will 
return  your  cards,  which  you  will  have  cut  in  half.  Your  obligations  
under  this  Agreement,  and  any  subsequent  amendments  made  to  it, 
will continue until the balance due on the Account is paid.
16.  Skip  Payment  Option.  At  the  option  of  Wings  Financial,  a  
minimum  payment  may  be  waived  during  certain  billing  cycles.  
If such a waiver occurs, finance charges will continue to apply to the 
Account  during  the  skip  payment  billing  cycle.  Beginning  with  the  
billing  cycle  following  the  skip  payment,  all  provisions  of  the  
Agreement shall apply.
17. Refusal to Honor. We are not responsible for the refusal of any Plan 
Merchant or financial institution to honor your card.
18.  Governing  Law.  This  Agreement  and  my  account  shall  be  
governed by Minnesota law and the laws of the United States.
19. Successors and Assigns. You agree that Wings Financial may at any 
time assign or transfer to another person your account, your account 
balance, on this Agreement. You will not assign or transfer any of your 
rights or duties under this Agreement. This Agreement is binding upon 
your heirs and legal representatives.
20. Other Provisions. If any part of this Agreement is not valid, all other 
parts will remain enforceable.
21. Automatic Payment Option. If you have requested the Automatic 
Payment  option,  all  Minimum  Payments  due  will  automatically  be  
deducted  from  your  designated  share  savings  or  checking  account  
balance  on  any  payment  due  date.  If  your  account  does  not  contain  
sufficient funds on the payment due date, no automatic deduction will 
be made and you will be assessed a service charge up to $25.
22.  Copy  Received.  You  acknowledge  receipt  of  a  copy  of  this  
Agreement.
23. Signature Authorized. By accepting this Agreement, you authorize 
any of our offices to sign on your behalf a copy of this Agreement, as 
amended  or  supplemented  from  time  to  time,  if  your  signature  on  a 
copy of this Agreement is required by law.
24. ATM Security. Do not write your PIN on your card or keep your PIN 
in your purse or wallet or anywhere else where someone might find 
it and associate it with your card. Do not use an ATM machine unless 
it appears safe to do so. Do not key in your PIN if someone is looking. 
Be sure you take your card and receipt when you are done. Put your 
money away quickly and leave the site.
25.  Legal  Use  of  Account.  Cards  issued  may  be  used  for  any  
transaction  permitted  by  law.  You  agree  that  illegal  use  of  the  card  
will  be  deemed  as  an  action  of  default  and/or  breach  of  contract 
and the card may be terminated at the credit union’s discretion. You 
  further  agree,  should  illegal  use  occur,  to  waive  the  right  to  sue  the 
credit union for such illegal activity directly or indirectly related to it 
and hold the credit union harmless from any suits or other legal action 
or liability, directly or indirectly, resulting from such illegal use.

NOTICE TO NEW YORK RESIDENTS: In connection with your application 
for credit, we may request a consumer report. If you make a request, 
we will advise you whether such a report was ordered and the name 
and  address  of  the  consumer  reporting  agency  that  provided  the  
report.  New  York  residents  may  contact  the  New  York  State  Banking  
Department to obtain a comparative listing of credit card rates, fees and 
grace periods. New York State Banking Department 1-800-518-8866
NOTICE TO OHIO RESIDENTS: The Ohio laws against discrimination 
require  that  all  creditors  make  credit  equally  available  to  all  
creditworthy  customers  and  that  credit  reporting  agencies  maintain 
separate  credit  histories  on  each  individual  upon  request.  The  Ohio 
Civil Rights Commission administers compliance with this law.
NOTICE  TO  MARRIED  WISCONSIN  RESIDENTS:  No  provision  of  a 
marital property agreement, a unilateral statement under Sec. 766.59, 
Wis.  Stats.  or  a  court  decree  under  Sec.  766.70  Wis.  Stats.,  adversely  
affects the interest of the creditor unless the creditor, prior to the time 
the credit is granted is furnished a copy of the agreement, statement 
or decree or has actual knowledge of the adverse provision when the 
obligation to the creditor is incurred. You are married and this account 
is being opened in the interest of your marriage or family.
NOTICE  TO  CALIFORNIA  RESIDENTS:  If  you  are  married,  you  may 
apply for credit in your own name. Under California law our rights to 
recover credit extended to you for credit card purchases is subject to 
any defenses that you have against the seller if: (1) the purchase price 
of the item in question exceeded $50; (2) the purchase was made in 
California; (3) you made a written demand on the retailer and made a 
good faith attempt to get satisfaction of your complaint; (4) you notify 
us in writing of the name of the seller, the date of purchase, the price 
paid,  the  goods  or  services  purchased,  the  nature  of  your  defense, 
and  the  acts  which  you  took  to  obtain  satisfaction  from  the  seller.  
The  amount  to  which  the  defense  applies  is  limited  to  the  amount  
outstanding  on  the  purchase  as  well  as  late  charges  and  Finance 
Charges  at  the  time  the  written  demand  is  received  by  you.  This  
remedy is the only one you have against us. Your rights are limited to 
those circumstances outlined in California Civil Code Section 1747.90. 
Purchases  with  cash  or  check  are  not  included  in  this  section  even 
though you used your credit card to validate your credit. We cannot 
penalize  you  by  either  giving  out  unfavorable  credit  information 
about  you  or  canceling  or  refusing  to  renew  your  credit  card  solely 
because  you  obtained  relief  under  the  remedies  you  have  for  
correcting billing errors.

YOUR BILLING RIGHTS
(Keep this notice for future use)
This notice contains important information about your 
rights and our responsibilities under the 
Fair Credit billing Act.

Notify  us  in  case  of  errors  or  questions  about  your  statement.  
If you think your bill is wrong, or if you need more information about a  
transaction  on  your  bill,  write  to  us  on  a  separate  sheet  of  paper  at  
Customer Service, P.O. Box 31112, Tampa, FL 33631-3112. Write to us as 
soon as possible. We must hear from you no later than 60 days after 
we sent you the first bill on which the error or problem appeared. You 
can telephone us at 1-800-692-2274, but doing so will not preserve your 
rights.

In your letter give us the following information:
a) Your name and account number.
b) The dollar amount of the suspected error.
c)  Describe the error and explain, if you can, why you believe there is  
an error. If you need more information, describe the item you are not 
sure about.

If you have authorized us to pay your credit card automatically from 
your  savings  or  checking  account,  you  can  stop  the  payment  on  any 
amount you think is wrong. To stop the payment, your letter must reach 
us three business days before the automatic payment is scheduled to 
occur.

Your rights and our responsibilities after we receive your 
written notice.
We  must  acknowledge  your  letter  within  30  days,  unless  we  have  
corrected the error by then. Within 90 days, we must either correct the  
error or explain why we believe the statement was correct. 

After we receive your letter, we cannot try to collect any amount you  
question or report as delinquent. We can continue to bill you for the 
amount you question, including the finance charge, and we can apply  
any unpaid amount against your credit limit. You do not have to pay 
any  questioned  amount,  while  we  are  investigating,  but  you  are  still  
obligated to pay the parts of your bill that are not in question. 

If we find that we made a mistake on your bill, you will not have to pay 
any finance charge related to the questioned amount. If we didn’t make 
a mistake, you may have to pay the finance charge, and you will have 
to make up any missed payments on the questioned amount. In either 
case, we will send you a statement of the amount you owe and the date 
that it is due. 

If  you  fail  to  pay  the  amount  that  we  think  you  owe,  we  may  report  
you as in default. However, if our explanation does not satisfy you and 
you  write  to  us  within  ten  days telling  us  that  you  still refuse  to  pay,  
we  must  tell  anyone  that  we  report  you  to  that  you  have  a  question 
on your bill. And we must also tell anyone we report you to that the  
matter has been settled between us when it is finally settled.