Metro Offices: 651.215.3500
Toll-Free: 888.34.SPIRE
www.spire-banking.com

LAKEWINDS NATURAL FOODS VISA PLATINUM REVOLVING CARD 
AGREEMENT & DISCLOSURE STATEMENT

Interest Rates and Interest Charges
 
Annual Percentage Rate (APR) For 
Purchases, Balance Transfers and 
Cash Advances
 8.90% - Platinum
Your rate is based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
 
Penalty APR and When It Applies
 None. 
 
Paying Interest
 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 the balance by the due date each month.
 
Minimum Interest Charge
 None.
 
For Credit Tips from the Federal Reserve Board
 To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Federal Reserve Board at: 
http://www.federalreserve.gov/creditcard
 

Fees
 
Annual Fee
 None.
 
Transaction Fees
u Balance Transfer
u Cash Advance
u Foreign Transaction
 None.
1% of the amount of each transfer not to exceed $25.
1% of each transaction in U.S. Dollars.
 
Penalty Fees
u Late Payment
u Returned Payment
 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 your account agreement.

The purpose of this Lakewinds Natural Foods Visa Credit Card Agreement and 
Disclosure Statement (�Visa Agreement�) is to establish the terms and conditions for use of the Lakewinds Natural Foods Visa Credit Card revolving line of credit and to provide you with certain disclosures required by law.
In this Visa Agreement the words �we,� �our,� �us� or �Credit Union� mean SPIRE  
Federal Credit Union or its successors and assigns.
The words �you� or �your� mean each person who has applied for a Lakewinds Natural Foods Visa Credit Card or who uses the card or duplicate credit card.
The word �card� means your Lakewinds Natural Foods Visa Credit Card and 
duplicates of said card. The word �account� means your Lakewinds Natural Foods Visa Credit Card revolving credit account with SPIRE Federal Credit Union. 
The words �Credit Purchase� mean goods and services which may be purchased or leased by means of the card from any retail business establishment which 
honors the card upon the execution of a sales slip evidencing such Credit 
Purchase and your account number.
The words �Visa Cash Advance� means loans which may be obtained through the use of the card upon execution by you, written request on a form furnished by 
Issuer, or an authorized Visa representative.
You and we understand and agree as follows:
1.  Application. You have previously applied for a line of credit that you can use 
     from time to time and which may be accessed through means of a Lakewinds 
     Natural Foods Visa Credit Card and may be replenished by payment of 
     amounts previously drawn on such line of credit.
2.  Approval and Use. If SPIRE Federal Credit Union approves your application 
     for a card, any use of the line of credit made available to you through your 
     account will cause you to be bound by all of the terms and conditions of this 
     Visa Agreement. Upon receipt of your new Lakewinds Natural Foods Visa 
     Credit Card, any use of it thereafter shall constitute your acceptance of all of the 
     terms stated in this Visa Agreement.
3.  Prepayment. You may pay the balance of your account in full or in part at any 
     time without penalty except that you must pay the minimum periodic payments 
     that are required under paragraph 7.
4.  Credit Limit and Repayment. Your credit limit will be determined by the    
     Credit Union and this credit limit will be drawn upon as you utilize your Visa  
     Account. You must repay all credit that you access from your account in 
     accordance with the terms and conditions of this Visa Agreement. The card 
     is not transferable and will at all times remain the property of the Credit Union 
     and must be surrendered immediately upon demand by any authorized 
     representative of the Credit Union.
5.  Finance Charge. A Finance Charge will be imposed on Visa Cash 
     Advances that you obtain through the use of your card during the current billing 
     cycle from the date of each such Cash Advance. The balance of Cash Advances 
     subject to a Finance Charge is the average daily outstanding unpaid balance, 
     which is determined by dividing the sum of the daily balances during the billing 
     cycle by the number of days in the cycle. Each daily balance of Cash Advances 
     is determined by adding any new Cash Advances as of the transaction date 
     or the first day of the billing cycle in which posted, whichever is later, to previous 
     balance, excluding any unpaid Finance Charges, and subtracting each 
     payment and credit on the date of receipt. The Finance Charge for a billing 
     cycle is computed by multiplying the average daily balance by the daily rate and 
     the number of days in the cycle.
     A Finance Charge will be imposed on Credit Purchase of goods and service 
     that you obtain through the use of your card only if you elect not to pay the 
     entire New Balance shown on your previous monthly statement within 25 
     days from the closing date of the statement. If you elect not to pay the entire 
     New Balance shown on your previous monthly statement, a Finance Charge 
     will be imposed on the unpaid balance of Credit Purchases from the statement 
     closing date and Credit Purchases made during the current billing cycle from 
     the date of posting each such Credit Purchase to the account, and will continue 
     to accrue until the closing date of the billing cycle preceding the date on which 
     the entire New Balance is paid in full. If the New Balance indicated on your 
     statement for the prior monthly period is paid in full within 25 days after the 
     closing date, no Finance Charge will be imposed during the current billing 
     cycle for Credit Purchases made during previous billing cycles. 
     The balance of Credit Purchases subject to a Finance Charge is the average 
     daily outstanding unpaid balance, which is determined by dividing the sum of 
     the daily balances during the billing cycle by number of days in the cycle. Each 
     daily balance of Credit Purchases is determined by adding to the previous 
     balance new Credit Purchases posted through the date if the previous balance 
     was not paid in full within 25 days of the statement closing date, and subtracting 
     each payment and credit on the date of receipt, but excluding any unpaid 
     Finance Charges. The Finance Charge for a billing cycle is computed by 
     multiplying the average daily balance by the daily rate and the number of days in 
     the cycle, using Average Daily Balance (including new purchases) Method.
6.  Periodic Rate. The Daily Periodic Rate applicable to purchases and cash 
     advances for the billing cycle is 1/365th of the Annual Percentage Rate effective 
     for the billing period as disclosed below. The ANNUAL PERCENTAGE RATE is 
     a Variable Rate and may be changed quarterly. Your APR is determined by 
     adding a margin of 5.65% for Visa Platinum cards to the prevailing U. S. Prime 
     Rate. The U. S. Prime Rate used to determine your APR for each billing cycle is 
     the highest rate appearing in The Wall Street Journal on the last day of the 
     calendar months of March, June, September and December. If the Prime Rate 
     has changed, the new rates will take effect with your billing period ending the 
     following month. As of the effective date of this disclosure, the ANNUAL 
     PERCENTAGE RATE is 8.9% for Visa Platinum which corresponds to a daily 
     periodic rate of 0.024% for Visa Platinum. The Annual Percentage Rate will 
     never be greater than 18.00%.
7.   Minimum Payments. The minimum periodic payment required on your 
     account will be the total New Balance as shown on your monthly billing 
     statement if such amount is $25 or less. If the New Balance amount exceeds 
     $25, the minimum periodic payment will be 3% of that portion of the New 
     Balance amount which does not exceed your credit limit, plus the entire portion 
     of the New Balance amount in excess of your credit limit, plus any amount past 
     due, any  late payment charge, and/or other charges. Any payments received for 
     payment of amounts due on your account will be applied and allocated to your 
     account at the sole discretion of the Credit Union. If you pay more than the 
     minimum payment, your payment will be applied to the highest APR first.
8.  Annual Fee. None.
9.  Late/Cash Advance/Replacement Card Fee/Returned Check 
     Charges/International Currency Conversions. 
      
     You agree to pay up to a $25 fee when payments of any amounts due 
     thereunder is more than 5 days late.
      
     You agree to pay a Cash Advance Fee of 1% of transaction amount with a   
     maximum of $25.
      
     You agree to pay a $10 fee for replacement card(s) if card(s) is/are lost, stolen, 
     or damaged.
      
     You agree to pay up to a $25 fee if your check for payment is not honored or is 
     returned to you because it cannot be processed.
      
     You agree to pay a Foreign Transaction Fee of 1% of the total transaction amount 
     for international currency conversions. 
10. Direct Payment Authorization. Unless you have instructed the Credit 
     Union to the contrary at the time you submitted your application or so instruct 
     the Credit Union before using your new Visa Credit Card, you authorize the 
     Credit Union in the event the minimum payment on your account is 10 days late 
     or your account exceeds its assigned credit limit by 10% or more to pay the 
     minimum amount required on your account or the amount exceeding your credit 
     limit by advancing funds from any savings account, checking account, or 
     revolving credit loan plan that you have with the Credit Union.
11. Collection Costs. You agree to pay all costs, including reasonable attorney�s 
     fees and court costs, incurred by the Credit Union in trying to collect any 
     amounts which are owed on your account or in enforcing the terms and 
     conditions of this Visa Agreement.
12. Obligations For All Persons Under This Agreement. You agree to pay 
     any and all charges incurred by you or by any person whom you authorize to 
     use the Visa Credit Card issued to you, and any fees or charges incurred in the 
     recovery of your card and in the retrieval of transaction data.
13. Security Interest. If you give us 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 we agree 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 US, EXCEPT FOR SHARES 
    IN AN IRA OR 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 US TO APPLY THE BALANCE 
    IN YOUR INDIVIDUAL OR JOINT SHARE ACCOUNT TO PAY ANY 
    AMOUNTS DUE ON YOUR LINE OF CREDIT IF YOU SHOULD 
    DEFAULT.  Collateral securing other loans you have with us 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.�
14.Termination By Credit Union. The Credit Union may terminate your account 		     and declare any and all amounts thereunder immediately due and payable under 	     any of the following conditions:
      
     (a) upon the adverse re-evaluation of your creditworthiness; or
     (b) upon your failure to make any minimum payment or other required payment 
           by the date that it is due or otherwise fail to satisfy the terms of this Visa 
           Agreement; or     
     (c) upon your default under any other security agreement executed in 
           connection with a transaction with the Credit Union; or
      (d) if you die; or
      (e) at the Credit Union�s option, if it has other good cause.
15. Termination by Cardholder. You may terminate your account at any time at 		     your option.
16. Notification of Amendment or Termination. The Credit Union reserves 
     the right to amend this Visa Agreement to comply with federal and/or state 
     laws or to refuse any request for a Visa Cash Advance or Credit Purchase 
     at any time for any reason not prohibited by law or to terminate your account as 
     provided in paragraph 15. If the Credit Union changes the terms of this 
     Agreement, a 45 day notice of any change will be given in accordance 
     applicable law. The change in terms will apply to any future transactions and all 
     existing balances. You have the right to opt-out of any changes to your 
     account. If you elect to opt-out of any changes after notification, you will be 
     required to submit your request in writing or contact us at: 651.215.3500 by the 
     stated due date as stated in the notification. If you choose to opt-out, your 
     account will be closed. Your existing balance may be subject to a five (5) year 
     amortization to repay the existing balance once your account is closed.
17. Liability for Unauthorized Use.  You may be liable for the unauthorized use 
     of your card.  Notify us immediately, in writing or by telephoning us at 
     (800)-654-7728, if your card is lost, stolen or you suspect there has been 
     unauthorized use of your card or account.  You are not liable for any further 
     unauthorized charges after you notify us of a 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 handling your card.  In 
     any case your liability will not exceed $50.00.
18. 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 is 
     $1.00 or more, it will be refunded upon your written request or automatically 
     after six (6) months.
19. Statements and Notices.  Statements and Notices will be mailed to you at 
      the appropriate address you have given the Credit Union.  Notice sent to any 
      one of you will be considered notice to all.
20. Review of Credit. You understand that the Credit Union reserves the right 
     to review your loan file and you hereby give permission and authorize the 
     Credit Union to investigate and re-assess your creditworthiness including the 
     right to make inquiries as deemed necessary pertaining to your employment, 
     credit standing, and financial responsibility from time to time as the Credit 
     Union may determine.
21. Governing Law. You understand and agree that this Visa Agreement shall 
     be governed in all respects, including validity, interpretation and enforcement, 
     by federal law and the laws of the State of Minnesota, without regard to its 
     conflict of law principles. The invalidity or unenforceability of any provision of 
     this Visa Agreement under applicable law shall not affect, modify or impair the 
     validity and enforceability of all other provisions. In addition, you agree that we 
     may sue you in the county in which our principal office is located.
22. Illegal or Unlawful Transaction. You may not use your card for gambling 
     or other illegal or unlawful transactions, and we may decline to authorize any 
     transaction that we believe poses an undue risk of illegality or unlawfulness.
YOUR BILLING RIGHTS: KEEP THIS NOTICE 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:
SPIRE Federal Credit Union
2025 Larpenteur Ave. W.
Falcon Heights, MN 55113
or via email: info@spire-banking.com
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 amount 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.
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 use within10 days telling us that you still refuse to pay. If you do so, we cannot re�port 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 merchants, 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.)
     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:
SPIRE Federal Credit Union
2025 Larpenteur Ave. W.
Falcon Heights, MN 55113
info@spire-banking.com
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.


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