safe to do SO. Do not key in your PIN if someone is looking. Be sure you take
YOUR BILLING RIGHTS
CONSENT TO CONTACT
your card and receipt when you are done. Put your money away quickly
(Keep this notice for future use)
You agree that we may contact you by telephone or text message
VISA
and leave the site.
This notice contains important information about your rights
at any telephone number associated with your account, including
Wings
25. Legal Use of Account. Cards issued may be used for any transaction
and our responsibilities under the Fair Credit Billing Act.
wireless telephone numbers (i.e., cell phone numbers), which
FINANCIAL
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
may result in charge to you. You agree that we may contact you
CREDIT UNION
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
in order to service your account, prevent fraud, collect any amounts
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.
owed to us, and for informational and telemarketing purposes as
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
permitted by law. You further agree that methods of contact
hear from you no later than 60 days after we sent you the first bill on which
may include the use of pre-recorded or artificial voice messages
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
the error or problem appeared. You can telephone us at 1-800-692-2274,
and/or the use of an automatic dialing system. You understand that
but doing SO will not preserve your rights.
you are not required to agree to this provision of the Agreement
illegal use.
CREDIT CARD AGREEMENT
and Disclosure as a condition of purchasing any property, goods, or
NOTICE TO NEW YORK RESIDENTS: In connection with your
In your letter give us the following information:
services. You represent and agree that you are and will be the
AND DTRUTH-IN-LENDING
application for credit, we may request a consumer report. If you make a
a) Your name and account number.
wireless telephone number subscriber with respect to each wireless
DISCLOSURE
request, we will advise you whether such a report was ordered and the
b) The dollar amount of the suspected error.
telephone number provided by you to us.
name and address of the consumer reporting agency that provided the
c) Describe the error and explain, if you can, why you believe there
report. New York residents may contact the New York State Banking
is an error. If you need more information, describe the item you
Department to obtain a comparative listing of credit card rates, fees and
are not sure about.
grace periods. New York State Banking Department: 1-800-518-8866.
EFFECTIVE AS OF OCTOBER 3, 2017
This is your Credit Card Agreement and Truth-In-Lending Disclosure.
If you have authorized us to pay your credit card automatically from
IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS
Please read and file with your records. This Agreement and Disclosure,
NOTICE TO OHIO RESIDENTS: The Ohio laws against discrimination
your savings or checking account, you can stop the payment on
OF THE MILITARY AND THEIR DEPENDENTS:
required by law, states the terms and conditions governing your
require that all creditors make credit equally available to all creditworthy
any amount you think is wrong. To stop the payment, your letter
customers and that credit reporting agencies maintain separate credit
The following applies if at the time your credit card account is
account(s).
must reach us three business days before the automatic payment
histories on each individual upon request. The Ohio Civil Rights
established you are a member of the military or a dependent
In this Agreement, the words "you" and "your" mean each and all of
is scheduled to occur.
Commission administers compliance with this law.
(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
YOUR RIGHTS AND OUR RESPONSIBILITIES
987 and its implementing regulations), and terminates when
Wings Financial Credit Union, located with its main office in Minnesota.
NOTICE TO MARRIED WISCONSIN RESIDENTS: No provision
after we receive your written notice.
military service ends.
"Card" means the Credit Card and any duplicates and renewals we issue.
of a marital property agreement, a unilateral statement under Sec. 766.59,
We must acknowledge your letter within 30 days, unless we have
Wis. Stats. or a court decree under Sec. 766.70 Wis. Stats., adversely affects
1. NOTICE: Federal law provides important protections to members
"Account" means your Credit Card Line-of-Credit account with us.
the interest of the creditor unless the creditor, prior to the time the credit is
corrected the error by then. Within 90 days, we must either correct the
of the Armed Forces and their dependents relating to extensions of
BY KEEPING THE CREDIT CARD, SIGNING IT, USING IT,
error or explain why we believe the statement was correct.
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
OR PERMITTING ANOTHER TO USE IT, YOU AGREE TO ALL THE TERMS
actual knowledge of the adverse provision when the obligation to the
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
AND CONDITIONS OF THIS AGREEMENT.
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
annual percentage rate of 36 percent. This rate must include, as
1. Effect of Agreement. This Agreement is the contract which applies to
the interest of your marriage or family.
amount you question, including the finance charge, and we can apply
applicable to the credit transaction or account: the costs associated
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
with credit insurance premiums or debt protection fees; fees for
NOTICE TO CALIFORNIA RESIDENTS: If you are married, you may apply
credit slips you sign or receive may contain different terms. Subject to
any questioned amount, while we are investigating, but you are still
ancillary products sold in connection with the credit transaction;
for credit in your own name. Under California law, our rights to recover
applicable law, we may amend this Agreement including, but not limited
obligated to pay the parts of your bill that are not in question.
any application fee charged (other than certain application fees for
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
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
specified credit transactions or accounts); and any participation
sending you the advance written notice as required by law. To the extent
fee charged (other than certain participation fees for a credit card
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
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
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
your existing account balances as well as to future transactions.
up any missed payments on the questioned amount. In either case, we will
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
send you a statement of the amount you owe and the date that it is due.
and 9:00 am to 1:00 pm Saturday.
2. Responsibility: Joint Account. If we issue a Card to you, you agree to
of the seller, the date of purchase, the price paid, the goods or services
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
If you fail to pay the amount that we think you owe, we may report you as
2. This card will not be secured by a consensual lien on shares or
Account. For example, you are responsible for charges made by you, your
obtain satisfaction from the seller. The amount to which the defense
in default. However, if our explanation does not satisfy you and you write
deposits in any of your accounts unless you specifically agree to
spouse, and minor children. You cannot transfer or assign your account
applies is limited to the amount outstanding on the purchase as well as
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 another person. You are responsible for charges made by anyone else
late charges and Finance Charges at the time the written demand is
anyone that we report you to that you have a question on your bill. And
Account"). Only funds deposited into the Secured Account after 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
we must also tell anyone we report you to that the matter has been settled
card is approved will secure this card. Any cross-collateralization
Card is recovered. You cannot avoid responsibility by notifying us, but we
rights are limited to those circumstances outlined in California Civil Code
between us when it is finally settled.
provision contained in your credit or membership documents will
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
not apply to the Secured Account or your other share or deposit
Special rule for credit card purchases. If you have a problem with the
request and return all Cards. Your obligation to pay the Account balance
section even though you used your credit card to validate your credit. We
accounts for any loan subject to the Military Lending Act. However,
continues even though an agreement, divorce decree or other court
cannot penalize you by either giving out unfavorable credit information
quality of goods or services that you purchase with a credit card and you
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
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
and any resulting rights to set-off or administrative freeze under
persons responsible to pay the Account Any person using the Card is
you obtained relief under the remedies you have for correcting billing
not have to pay the remaining amount due on the goods or services. You
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
have this protection only when the purchase price was more than $50.00
errors.
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
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
mailing address. (If we own or operate the merchant, or if we mailed you
responsible for all charges on the Account, including yours.
membership agreements that contradict the above with regard to
the advertisement for the property or services, all purchases are covered
this card are hereby deleted.
regardless of amount or location of purchase.)
M-131760
4. Other Charges. The following charges, when applicable, may be
7. 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
Security Interest Specific For Credit Cards. You acknowledge
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
against future purchases and cash advances to your Account. If this credit
and pledge, specifically as a condition of your use of the Card,
the amount of each Cash Advance, whichever is greater; Returned
(800) 449-7728. Address all written correspondence to Payment Systems,
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
Payment fee up to $27; Replacement fee for lost card, $10; Late Payment
Wings Financial Credit Union, 14985 Glazier Avenue, Apple Valley, MN
of your individual and joint share accounts you have now and
13. Foreign Transactions. Purchases and cash advances you make
fee up to $27; Statement Copy fee, $2; and Copy Of Charge Slip, $2. A fee
55124.
in the future with us. If your Card becomes delinquent, this
in foreign countries' currencies will be billed to you in U.S. dollars. The
may be imposed for a transaction or balance inquiry at an ATM by an ATM
security interest may be used without further notice to pay
8. Liability for Unauthorized Use Under Federal Law. Any Card or
conversion to dollars will be made according to the operating regulations
operator or by a national, regional, or local network used to complete a
all or part of such delinquency. This security interest does not
other credit instrument issued to you is the property of Wings Financial
for international transactions established by VISA International, Inc.
transaction.
apply to shares in an Individual Retirement Account (IRA).
Credit Union, and must be returned to us immediately upon demand or
Currently, those regulations provide that the currency conversion rate to
You agree to pledge a security interest in the collateral secur-
5. Monthly Statement and Payments. If you have a balance in excess
upon notice of cancellation or withdrawal of the Card.
be used is either a wholesale market rate or a government mandated rate
loans that you have with us now and in the future and any
of $1.00, we will mail to you, on a date selected by us, a periodic monthly
If your statement shows transfers that you did not make, tell us at once. If
in effect one day prior to the processing date. The currency conversion
proceeds from the sale of such collateral and of insurance
statement listing all amounts you owe on this account. You agree to
you do not tell us within sixty (60) days after the statement was mailed to
rate in effect on the processing date may differ from the rate in effect on
thereon, not to exceed the unpaid balance of the Card.
examine the statement upon receipt and immediately notify us of any
you, you may not get back any money you lost after the sixty (60) days if
the transaction date or the posting date. The currency conversion rate
charge or item which you believe is an error or subject to dispute. If you
we can prove that we could have stopped someone from taking the money
used may be the same as, greater than or less than the amount that would
The Security Interest secures payment of all credit card
do not notify us within 60 days of the billing date of such inaccuracies,
if you had told us in time. If a good reason (such as a long trip or hospital
be calculated by conversion through a financial institution in the country
indebtedness, including all future advances, and gives
the statement will be considered by us to be accepted by you as correct.
Wings Financial the right to deduct all or part of the credit
stay) kept you from telling us, we will extend the time period.
in which the purchase or advance occurred. We do not determine the
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
card debt due if payment is not timely made.
Payment required within 25 days of your statement closing date as shown
Business or organization accounts in which ten or more cards have been
of the currency conversion rate.
If you do not agree to the Security Interest pledge, please
on your monthly statement. You may, of course, pay more frequently, pay
issued to employees or associates are not subject to the limitations on
cut up the enclosed card(s) and return to: Payment Systems,
more than the Minimum Payment, or pay the Total New Balance in full,
liability.
14. Irregular Payments. We may accept late payments, partial payments,
and checks marked "Payment in Full" and disregard such statements (or
Wings Financial Credit Union, 14985 Glazier Avenue,
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
accompanying) without waiving or losing any right to demand payment as
Apple Valley, MN 55124.
either be:
approved Line-of-Credit. Each payment you make on the Account will
set forth in this Agreement.
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
the principal. You may request an increase in your Line-of-Credit, which
15. Termination. You may terminate this Agreement at any time without
3. Finance Charges. You can avoid paying the finance charge (interest
greater, or
on purchases) by paying the total amount of the New Balance on
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,
reason by notifying us in writing. Upon termination, you will return
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
your cards, which you will have cut in half. Your obligations under this
Purchases, in full, each month on or before the Payment Due Date.
which remains unpaid.
writing of the increase. By giving you written notice, we may reduce your
Agreement, and any subsequent amendments made to it, will continue
Otherwise, the New Balance of Purchases, and subsequent purchases
Line-of-Credit at any time. We may also, with good cause, revoke your
until the balance due on the Account is paid.
from the date they are posted to your Account, will be subject to a
In addition, if at any time your Total New Balance exceeds your
Card and terminate this Agreement. Good cause includes your failure to
16. Skip Payment Option. At the option of Wings Financial, a minimum
finance charge. Cash Advances and Balance Transfers are always subject
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
payment may be waived during certain billing cycles. If such a waiver
to a finance charge from the date they are posted to your Account. The
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
occurs, finance charges will continue to apply to the Account during the
finance charge will be applied to the average daily principal balances
and fees and then balances in ascending annual percentage rate order.
the Account balance. "Line-of-Credit" may also be called "Credit Limit" in
skip payment billing cycle. Beginning with the billing cycle following
of purchases and cash advances of your Account. We figure the finance
We will apply payments made in excess of the Minimum Payment Due to
this Agreement and in your monthly statement.
the skip payment, all provisions of the Agreement shall apply.
charge on your Account by applying the periodic rate to the "average
balances in descending annual percentage rate order.
daily balance" of your Account (including current transactions). To get the
10. Credit Information. At any time we may request, and you will give,
17. Refusal to Honor. We are not responsible for the refusal of any Plan
"average daily balance," we take the beginning balance of your Account
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
Merchant or financial institution to honor your card.
each day, add any new purchases, cash advances, and subtract any
your check or money order at the address specified on your monthly ac-
creditworthiness. You authorize us to investigate your credit standing at
18. Governing Law. This Agreement and your account shall be governed
payment or credits and unpaid finance charges and fees. This gives us
count statement or the day we receive your electronic or phone payment.
any time, and you authorize us to disclose information regarding your
by Minnesota law and the laws of the United States.
the daily balance. Then we add up all the daily balances for the billing
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
cycle and divide the total by the number of days in the billing cycle. This
address, it may result in a delayed credit to your account, additional
standing. We will take reasonable steps to protect your rights under
19. Successors and Assigns. You agree that Wings Financial may at
gives us the "average daily balance."
Interest charges and/or fees. You will be responsible for all matters shown
Federal and State law.
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
The following applies to variable rate Visa Platinum cards only:
on each monthly statement unless you notify us in writing of any dispute
11. Using the Card. To make a purchase or cash advance, there are two
rights or duties under this Agreement. This Agreement is binding upon
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
a) The rate may be changed monthly by Wings Financial.
your heirs and legal representatives.
notice entitled "Your Billing Rights - Keep This Notice For Future Use"
the Card to a participating plan merchant, to us, or to another financial
b) Any change to your account will not apply until the first day of your
included in this Agreement.
institution, and sign the sales or cash advance draft which will be
20. Other Provisions. If any part of this Agreement is not valid,
next billing cycle that begins after a rate change date.
imprinted with your Card. The other is to complete the transaction by
all other parts will remain enforceable.
c) The Annual Percentage Rate will be determined monthly by
6. Default. You will be in default if you fail to make any Minimum
adding a margin to an Index value. The Index value is the Prime
Payment within 25 days after the monthly statement closing date.
using your Personal Identification Number (PIN) together with the Card
21. Automatic Payment Option. If you have requested the Automatic
You will also be in default:
in an Automated Teller Machine or other type of electronic terminal that
Payment option, all Payments due will automatically be deducted from
Interest Rate published in the Wall Street Journal "Money Rates"
table on the last business day of the month (or next business day
a) upon an adverse reevaluation of your creditworthiness,
provides access to the Credit Card system. The monthly statement will
your designated share savings or checking account balance any day
if the last day falls on a weekend or holiday).
b) if there are bankruptcy or insolvency proceedings involving you,
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
c) if you die,
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
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) if you make a misrepresentation in connection with your Account,
be returned with the monthly statement. You will keep the copy of the
make your payment.
Payment. A decrease in the "Index" will have the opposite effect of an
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
22. Copy Received. You acknowledge receipt of a copy of this
f) if you cancel your membership or fail to keep the $5 minimum
statement. There is a limitation of 20 transactions per day. Your Card
increase. The maximum ANNUAL PERCENTAGE RATE a Visa Platinum
Agreement.
membership share on deposit with us, or
may not be used to make payments on any other Wings card or loan, this
will increase to is 18.00%.
g) if you exceed your Line-of-Credit.
includes balance transfers and cash advances.
23. Platinum Authorized. By accepting this Agreement, you authorize
any of our offices to sign on your behalf a copy of this Agreement, as
We have the right to demand immediate payment of your full account
12. Returns and Adjustments. Merchants and others who honor the
amended or supplemented from time to time, if your signature on a copy
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
of this Agreement is required by law.
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
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
your purse or wallet or anywhere else where someone might find it and
reasonable attorney's fees.
associate it with your card. Do not use an ATM machine unless it appears