� CUNA Mutual Group 2016 All Rights Reserved 04807021-AXX00-P-1-031021 (AXX002-E)
CREDIT CARD
APPLICATION
There are costs associated with the use of a credit card. Information about costs, rates and fees may be contained in disclosures provided with this
application or by calling us toll-free or collect at or writing to us at the address stated on this application.
Check below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.
Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if
1. y ou live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI)
2. y our spouse will use the account, or
3. y ou are relying on your spouse's income as a basis for repayment. If you are relying on income from alimony, child support, or separate
maintenance, complete the Other section to the extent possible about the person on whose payments you are relying.
Joint Credit: Each Applicant must individually complete appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant
box.
Credit Card Account:  Individual  Joint
If this is an application for joint credit, Applicant and Co-Applicant each agree and acknowledge the intent to apply for joint credit (sign below):
Applicant Date
X (Seal)Co-Applicant Date
X (Seal)
 Credit Limit Requested $ If Authorized User, Name:
Guarantors Complete OTHER section below.
APPLICANT OTHERCO-APPLICANT SPOUSE GUARANTOR OTHER
NAME (Last - First - Initial) NAME (Last - First - Initial)
ACCOUNT NUMBER SOCIAL SECURITY NUMBER ACCOUNT NUMBER SOCIAL SECURITY NUMBER
BIRTH DATE EMAIL ADDRESS BIRTH DATE EMAIL ADDRESS
HOME PHONE CELL PHONE BUSINESS PHONE/EXT. HOME PHONE CELL PHONE BUSINESS PHONE/EXT.
DRIVER�S LICENSE NUMBER/STATE AGES OF DEPENDENTS DRIVER�S LICENSE NUMBER/STATE AGES OF DEPENDENTS
PRESENT ADDRESS (Street � City � State � Zip) OWN RENT PRESENT ADDRESS (Street � City � State � Zip) OWN RENT
LENGTH AT RESIDENCE LENGTH AT RESIDENCE
PREVIOUS ADDRESS (Street � City � State � Zip) OWN RENT PREVIOUS ADDRESS (Street � City � State � Zip) OWN RENT
LENGTH AT RESIDENCE LENGTH AT RESIDENCE
MORTGAGE/RENT OWED TO MORTGAGE/RENT OWED TO
MORTGAGE BALANCE
$MONTHLY PAYMENT
$INTEREST RATE
%MORTGAGE BALANCE
$MONTHLY PAYMENT
$INTEREST RATE
%
COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY
PROPERTY STATE:COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY
PROPERTY STATE:
MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed)
EMPLOYMENT/INCOME START DATE EMPLOYMENT/INCOME START DATE
EMPLOYMENT STATUS FULL TIME PART TIME EMPLOYMENT STATUS FULL TIME PART TIME
NAME AND ADDRESS OF EMPLOYER NAME AND ADDRESS OF EMPLOYER
NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT
BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT
BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.
EMPLOYMENT INCOME
$PER OTHER INCOME
$PER EMPLOYMENT INCOME
$PER OTHER INCOME
$PER
TITLE/GRADE SOURCE TITLE/GRADE SOURCE
PREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN FIVE YEARS PREVIOUS EMPLOYER NAME AND ADDRESS IF EMPLOYED LESS THAN FIVE YEARS
STARTING DATE ENDING DATE STARTING DATE ENDING DATE 04807021-AXX00-P-1-031021 (AXX002-E)MILITARY : IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR? YES  NO MILITARY : IS DUTY STATION TRANSFER EXPECTED DURING NEXT YEAR? YES NO
WHERE ENDING/SEPARATION DATE WHERE ENDING/SEPARATION DATE
STATE LAW NOTICE (S)
Notice toNebraska Residents :Acredit agreement must beinwriting tobeenforceable under Nebraska law. Toprotect you and usfrom any
misunderstandings ordisappointments, anycontract, promise, undertaking, oroffer toforebear repayment ofmoney ortomake anyother financial
accommodation inconnection with thisloan ofmoney orgrant orextension ofcredit, oranyamendment of,cancellation of,waiver of,orsubstitution for
anyoralloftheterms orprovisions ofanyinstrument ordocument executed inconnection with thisloan ofmoney orgrant orextension ofcredit, must
be in writing to be effective.
Notice toNew York Residents :New York residents may contact theNew York State Department ofFinancial Services toobtain acomparative listing
of credit card rates, fees, and grace periods. New York State Department of Financial Services: 1-800- 342-3736 or www.dfs.ny.gov .
Notice toOhio Residents :The Ohio laws against discrimination require thatallcreditors make credit equally available toallcreditworthy customers,
andthatcredit reporting agencies maintain separate credit histories oneach individual upon request. The Ohio Civil Rights Commission administers
compliance with this law.
Notice toWisconsin Residents :(1)Noprovision ofanymarital property agreement, unilateral statement under Section 766.59, orcourt decree under
Section 766.70 willadversely affect therights oftheCredit Union unless theCredit Union isfurnished acopy oftheagreement, statement ordecree, or
hasactual knowledge ofitsterms, before thecredit isgranted ortheaccount isopened. (2)Please sign ifyouarenotapplying forthisaccount orloan
with your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.
Signature for Wisconsin Residents Only Date
X (Seal)
CONSENSUAL SECURITY INTEREST
You grant usasecurity interest inallindividual and joint share and/or deposit accounts you have with usnow and inthefuture tosecure
your credit card account. Shares anddeposits inanIRAoranyother account that would lose special taxtreatment under state orfederal law
ifgiven assecurity arenotsubject tothesecurity interest youhave given inyour shares anddeposits. You may withdraw these other shares
unless youareindefault. When youareindefault, youauthorize ustoapply thebalance inthese accounts toanyamounts due. Forexample,
if you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.
Bysigning orotherwise authenticating below, youareaffirmatively agreeing that youareaware thatgranting asecurity interest isacondition
forthecredit card and you intend togrant asecurity interest .You acknowledge and agree that your pledge does notapply during any
periods when you areacovered borrower under theMilitary Lending Act. Forclarity, you willnotbedeemed acovered borrower, and your
pledge willapply, if:(i)youbecome obligated onacredit transaction orestablish anaccount forcredit when youarenotacovered borrower;
or (ii) you cease to be a covered borrower .
Security Interest Acknowledgement and Agreement Date
X (Seal)Security Interest Acknowledgement and Agreement Date
X (Seal)
SIGNATURES
By signing or otherwise authenticating below:
1. Youpromise thateverything youhave stated inthisapplication iscorrect tothebest ofyour knowledge .Ifthere areanyimportant changes youwill
notify usinwriting immediately. You authorize theCredit Union toobtain credit reports inconnection with thisapplication forcredit andforany
update, increase, renewal,extension,orcollectionofthecreditreceived.YouunderstandthattheCredit Union willrelyontheinformation inthis
application andyour credit report tomake itsdecision. Ifyourequest, theCredit Union willtellyouthename andaddress ofanycredit bureau from
which it received a credit report on you. It is a crime to willfully and deliberately provide incomplete or incorrect information in this application.
2. You understand that theuseofyour card willconstitute acknowledgment ofreceipt and agreement totheterms oftheConsumer Credit Card
Agreement and Disclosure.
Applicant�s Signature Date
X (Seal)Other Signature Date
X (Seal)
CREDIT UNION USE ONLY
DATE APPROVED
DECLINEDNUMBER OF CARDS CREDIT LIMIT
$CREDIT CARD NUMBER
Signature s
Date
X (Seal)Date
X (Seal) �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04807021-MXC10-P-1-031021 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Classic
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa uChoose Rewards
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Secured
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
APR for Balance Transfers Visa Classic
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa uChoose Rewards
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Secured
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
APR for Cash Advances Visa Classic
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa uChoose Rewards
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Secured
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04807021-MXC10-P-1-031021 (MXC101-E)How to Avoid Paying Interest on
PurchasesYour due date is at least 25 days after the close of each billing cycle. We will
not charge you any interest on purchases if you pay your entire balance by
the due date each month.
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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.
Fees
Annual Fee
- Annual Fee None
Transaction Fees
- Balance Transfer Fee 3.00%  of the amount of each balance transfer
- Cash Advance Fee 3.00%  of the amount of each cash advance
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $20.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee Up to $20.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Effective Date:
The information about the costs of the card described in this application is accurate as of :
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
ForCalifornia Borrowers, theVisa Classic, Visa uChoose Rewards and Visa Secured aresecured credit cards.
Credit extended under thiscredit card account issecured byvarious personal property andmoney including, but
notlimited to:(a)anygoods you purchase with this account, (b)anyshares you specifically pledge ascollateral
forthisaccount onaseparate Pledge ofShares, (c)allshares youhave inanyindividual orjoint account with the
Credit Union excluding shares inanIndividual Retirement Account orinany other account that would lose
special taxtreatment under state orfederal law, and (d)collateral securing other loans you have with theCredit
Union excluding dwellings. Notwithstanding theforegoing, you acknowledge and agree that during any periods
whenyou areacovered borrower under theMilitary Lending Actyour credit card willbesecured byanyspecific
Pledge ofShares you grant usbutwillnotbesecured byallshares you have inany individual orjoint account
with theCredit Union. Forclarity, you willnotbedeemed acovered borrower if:(i)you establish your credit card
account when you are not a covered borrower; or (ii) you cease to be a covered borrower.
Other Fees & Disclosures:
Late Payment Fee :
$20.00 ortheamount oftherequired minimum payment, whichever isless, ifyouareoneormore days lateinmaking a
payment.
Balance Transfer Fee (Finance Charge) :
3.00% of each balance transfer.
Cash Advance Fee (Finance Charge) :
3.00% of each cash advance.
Returned Payment Fee :
$20.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee :
$10.00 .
Rush Fee :
$75.00 .
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04807021-MXC10-P-1-031021 (MXC101-E)Document Copy Fee :
$25.00 per document .
Statement Copy Fee :
$5.00 per document . �CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 , 16 All Rights Reserved 04807021-MXC30-P-1-031021 (MXC303-E)
CONSUMER
CREDIT CARD
AGREEMENT
AND
DISCLOSURE
VISA CLASSIC/VISA UCHOOSE REWARDS/VISA
SECURED
This Consumer Credit Card Agreement and Disclosure together with theAccount Opening Disclosure and any other
Account opening documents orany subsequent documents provided toYou related tothis Account (hereinafter
collectively referred toas�Agreement �)govern theterms andconditions ofthisAccount .�We,� �Us,� �Our� and�Ours� and
�Credit Union� refers toFond duLacCredit Union withwhich thisAgreement ismade. �You,� �Your ,�and�Yours �refers to
each applicant and co-applicant fortheAccount ;any person responsible forpaying theAccount; and anyone You
authorize touse, access orservice theAccount. "Card" means theVisa �credit card and anyother access devices,
duplicates, renewals, orsubstitutions ,theCredit Union issues toYou. "Account "means thelineofcredit established by
this Agreement and includes Your Card.
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.
You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now
and in the future to secure Your credit card Account. Shares and d eposits in an IRA or any other a ccount that
would lose special tax treatment under state or federal law if given as security are not subject to the security
interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in
default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.
For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay
any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any
periods whe n You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a
covered borrower, and Your pledge will apply, if: (i) You established Your credit card A ccount when You were
not a covered borrower; or (ii) You cease to be a covered borrower.
Unless otherwise prohibited by federal and/or state law, 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.
1.USING YOUR ACCOUNT �Byusing theAccount orkeeping theCard, You agree totheterms ofthisAgreement.
You agree touse Your Account inaccordance with this Agreement. Your Account must only beused forlawful
transactions.
2.CREDIT LIMIT �Wemay establish acredit limit aspartofthisAgreement, which You promise nottoexceed. IfYou
exceed thecredit limit, You promise torepay immediately theamount which exceeds thecredit limit, including amounts
duetofinance charges, fees orother charges. You may request acredit limit increase onYour Account only byamethod
acceptable totheCredit Union. Wemay increase ordecrease Your credit limit, refuse tomake anadvance and/or
terminate Your Account at any time for any reason permitted by law.
3.REPAYMENT �You promise torepay allamounts You owe under thisAgreement. Your promise torepay includes
alltransactions made toYour Account byYou oranyone You authorize touse Your Account aswell asallinterest
charges and fees.
For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.
TheMinimum Payment Due is2.50% ofYourtotal New Balance, or$25.00 ,whichever isgreater, plus anyamount past
dueandanyamount bywhich You have exceeded Yourapplicable credit limit. IfYour total New Balance isless than
$25.00 ,then Your Minimum Payment Due is the amount of the total New Balance. Page 2 of5
04807021-MXC30-P-1-031021 (MXC303-E)You may pay more frequently, pay more than the Minimum Payment Due or pay the total New B alance in full.
IfYoumake extra orlarger payments, Youarestillrequired tomake atleast theMinimum Payment Due each month Your
Account hasabalance (other than acredit balance). The Credit Union may delay replenishing Your credit limit until the
date the payment is posted or the Credit Union confirms the payment has cleared.
Your payment oftherequired Minimum Payment Due may beapplied towhat You owe theCredit Union inanymanner
theCredit Union chooses, aspermitted byapplicable law. IfYou make apayment inexcess oftherequired Minimum
Payment Due,theCredit Union willallocate theexcess amount firsttothebalance with thehighest annual percentage
rate (�APR�) and anyremaining portion totheother balances indescending order based onapplicable APR, unless
otherwise prescribed byapplicable law.Wemay accept checks marked "payment infull"orwith words ofsimilar effect
without losing any of Our rights to collect the full balance of Your Account with U s.
4.INTEREST AND FINANCE CHARGES �Wewillbegin charging You interest onpurchases onthedate the
transaction isposted toYour Account. Wewillbegin charging You interest oncash advances andbalance transfers on
thedate ofthetransaction orthefirstdayofthebilling cycle inwhich thetransaction isposted toYour Account, whichever
islater (transaction date). However, Wewillnotcharge You anyinterest onnew purchases ifYour Account hadazero or
credit balance atthebeginning ofthat billing cycle, orYou paid theentire new balance ontheprevious cycle's billing
statement bythePayment Due Date ofthat statement. Toavoid anadditional finance charge onthebalance ofYour
Account, You must pay the entire new balance on the billing statement by the Payment Due Date  of that statement.
How We Calculate Your Balance:
Interest charges onYour Account arecalculated separately forpurchases, balance transfers and cash advances
(�Transaction Type�). Wefigure theinterest charge foreach Transaction Type byapplying theperiodic rate toeach
corresponding �average daily balance.� Togetthe�average daily balance� foraTransaction Type Wetake thebeginning
balance forthatTransaction Type each day, addanynew transactions ofthattype, andsubtract anyunpaid interest or
other finance charges andanyapplicable payments orcredits. This gives Usthedaily balance foreach Transaction Type.
Then, foreach Transaction Type, Weadd upallthedaily balances forthebilling cycle and divide each total bythe
number of days in the billing cycle. This gives Us the �average daily balance� for each Transaction Type.
5.FEES �Inaddition totheperiodic rate, additional fees may beimposed onYour Account. Ifapplicable toYour
Account, thefeeamounts and explanations aredisclosed ontheAccount Opening Disclosure accompanying this
Agreement.
6.FOREIGN TRANSACTIONS �Purchases andcash advances made inforeign currencies willbedebited from Your
Account inU.S. dollars. Theexchange ratebetween thetransaction currency andthebilling currency used forprocessing
international transactions isarateselected byVisa from arange ofrates available inwholesale currency markets forthe
applicable central processing date, which rate may vary from therate Visa itself receives orthegovernment-mandated
rateineffect fortheapplicable central processing date. Theexchange rateused ontheprocessing date may differ from
the rate that would have been used on the purchase date or cardholder statement posting date.
Afee(finance charge) willbecharged onalltransactions completed inaforeign currency. Allfees arecalculated based
onthetransaction amount after itisconverted toU.S. dollars. These fees arecharged except where excluded. The
Foreign Transaction Fee is set forth on the Disclosure  accompanying this Agreement.
7.AUTHORIZATIONS �Wedonotguarantee authorization ofatransaction, either byUsorbyathird party, even if
You have sufficient credit available. You agree that Wewillnotbeliable forfailing togive anauthorization. Wealso
reserve theright tolimitthenumber oftransactions thatmay beapproved inoneday. Wereserve theright todeny certain
transactions foranyreason and atOur sole discretion, including fordefault, suspected fraudulent orunlawful activity,
internet gambling oranyindication ofincreased riskrelated tothetransaction ortheAccount .You agree thatWehave no
requirement tonotify You ofthespecific reason Wedenied atransaction. IfWedetect unusual orsuspicious activity, We
may suspend Your  credit privileges until We can verify the activity, or We may close the Account .
8.INFORMATION UPDA TING SERVICE AND AUTHORIZATIONS �IfYouhave authorized amerchant tobillcharges
toYour Card onarecurring basis, itisYour responsibility tonotify themerchant intheevent Your Card isreplaced, Your
Account information (such asCard number orexpiration date) changes, orYour Account isclosed. However, ifYour Card
isreplaced orYour Account information changes, Youauthorize Us,without obligation onOurpart, toprovide theupdated
Account information tothemerchant inorder topermit themerchant tobillrecurring charges toYour Card. You authorize
Ustoapply such recurring charges toYour Card until You notify UsthatYou have revoked authorization forthecharges
to Your Card.
Your Card isautomatically enrolled inaninformation updating service. Through thisservice, Your updated Account
information (such asCard number orexpiration date) may beshared with participating merchants tofacilitate continued
recurring charges. Updates arenotguaranteed before Your next payment toamerchant isdue. You areresponsible for
making direct payment until recurring charges resume. Torevoke Your authorization allowing Ustoprovide updated
Account information to a merchant, please contact Us .
9.PREAUTHORIZED CHARGES �Wemay suspend preauthorized recurring charges with merchants if,forexample,
Your Card islostorstolen, You default, orWechange Your Account foranyreason. Ifpreauthorized recurring charges Page 3 of5
04807021-MXC30-P-1-031021 (MXC303-E)aresuspended, You areresponsible formaking direct payment forsuch charges until You contact themerchant to
reinstate recurring charges.
10.DEFAULT �Upon default, theentire outstanding balance dueunder thisAgreement shall, unless excused byOur
Board ofDirectors, become immediately dueandpayable, subject only toanyright tocure default which You may have
under Section 425.105 oftheWisconsin Statutes. Adefault shall bedeemed tohave occurred if(a)You failtomake
payments when dueontwooccasions within any12-month period, or(b)You failtoobserve anyother covenant ofthis
Agreement, change marital status, change marital domicile orYou orYour spouse become insolvent orsubject ofa
bankruptcy orother insolvency proceeding, ifsuch failure, actoroccurrence materially impairs Your ability topaythe
amount due under this Agreement orbreach ofwhich materially impairs thecondition, value orprotection ofthe
merchant's rights inanycollateral securing thetransaction. Inaddition, notwithstanding Sections 425.103 and425.105 of
theWisconsin Statutes, intheevent Wereceive anotice oftermination ofthisAgreement from thespouse ofaborrower
pursuant toSection 766.565(5), Wisconsin Statutes, Wemay declare theentire outstanding balance oftheAgreement
immediately dueandpayable. Ifimmediate payment isdemanded, You agree tocontinue paying finance charges atthe
periodic ratecharged before thedefault, until what Youowe hasbeen paid,andanyshares thatwere given assecurity for
Your Account may be applied towards what You owe .
11.LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION �IfYou notice theloss ortheft of
Your credit card orapossible unauthorized useofYour Card,Youshould write toUsimmediately attheaddress listed on
Your billorcallUsat888.999.2231 ,seven days aweek 24hours adayor531.233.6413 (International Number) ,seven
days a week  24 hours a day .
You willnotbeliable forany unauthorized use that occurs after You notify Us.You may, however, beliable for
unauthorized usethat occurs before Your notice toUs.You willhave noliability forunauthorized useunless Youare
found tobefraudulent ornegligent inthehandling ofYourAccount orCard. Inanycase, Your liability forunauthorized
transactions will not exceed  $50.
12.CHANGING ORTERMINATING YOUR ACCOUNT �Aspermitted bylaw, theCredit Union may change theterms
ofthisAgreement andanyattached Disclosure from time totime. Notice ofanychange willbegiven inaccordance with
applicable law. Totheextent permitted bylaw, changes totheAgreement may apply toYour existing account balance as
well as to future transactions.
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents -Either
You, Your spouse ortheCredit Union may terminate thisAgreement atanytime, buttermination byYou, Your spouse or
theCredit Union willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges YouorYour
spouse owe under thisAgreement. Your obligation topaytheaccount balance plus anyfinance andother charges You
owe under thisagreement aresubject toallapplicable laws andregulations regarding repayment requirements. TheCard
orCards You receive remain theproperty oftheCredit Union andYou must recover andsurrender totheCredit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
Residents ofallother states -Either You ortheCredit Union may terminate thisAgreement atanytime, buttermination
byYou ortheCredit Union willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges
You owe under thisAgreement. Your obligation topaytheaccount balance plus anyfinance andother charges You owe
under thisagreement aresubject toallapplicable laws andregulations regarding repayment requirements. The Card or
Cards You receive remain theproperty oftheCredit Union andYou must recover andsurrender totheCredit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
13.AUTHORIZED USERS �Upon Your request, We may issue additional Cards forauthorized users that You
designate. You must notify Usinwriting ofanytermination ofanauthorized user's right toaccess Your Account .Your
notice must include thename oftheauthorized user andYour Account number and/or anysubaccount number issued to
theauthorized user along with theauthorized user's Cardand anyconvenience orother access checks issued tothe
authorized user. IfYou canno treturn theauthorized user's Cardoraccess checks andifYou request Your Account tobe
closed, Wewillclose Your Account andYou may apply foranew Account .Alternatively, Wemay, atOursole discretion,
issue You a new Account number and a new Card.
14.CREDIT REPORTS AND NOTICE OFNEGATIVE INFORMATION �You authorize theCredit Union toobtain credit
reports and any other information Wemay need toverify Your identity and use oftheAccount when opening Your
Account andforanyupdate, increase, renewal, extension, collection orreview ofYour Account .You authorize theCredit
Union todisclose information regarding Your Account tocredit bureaus and creditors who inquire about Your credit
standing .Wemay report information about Your Account tocredit bureaus. Late payments, missed payments, orother
defaults on Your Account may be reflected on Your credit report.
15.JOINT ACCOUNT S�Ifthisisajoint Account ,each ofYou willbeindividually andjointly responsible forpaying all
amounts owed under thisAgreement .This means thattheCredit Union canrequire anyoneofYou individually torepay
theentire amount owed under thisAgreement .Each ofYou authorizes theother(s) tomake transactions ontheAccount
individually. Any one of You may terminate the Account  and the termination will be effective as to all of You.
16.EFFECT OFAGREEMENT �This Agreement isthecontract which applies toalltransactions onYour Account even
though the sales, cash advances, credit or other slips You sign or receive may contain different terms. Page 4 of5
04807021-MXC30-P-1-031021 (MXC303-E)17.SEVERABILITY AND FINAL EXPRESSION �This Agreement isthefinal expression oftheterms andconditions of
Your Account .This written Agreement may notbecontradicted byevidence ofanyalleged oralAgreement .Should any
partofthisAgreement befound tobeinvalid orunenforceable, allother parts ofthisAgreement shall remain ineffect and
fully enforceable to the fullest extent possible under this Agreement .
18.ILLEGAL TRANSACTIONS PROHIBITED �Youagree thatYouwillnotuseYour Card foranytransaction, including
anytype of electronic gambling tr ansaction through the Internet , that is illegal under applicable federal, state, or local law .
Even ifYou useYour Card foranillegal transaction, You willberesponsible forallamounts and charges incurred in
connection withthetransaction. This paragraph shall notbeinterpreted aspermitting orauthorizing anytransaction thatis
illegal.
19.APPLICABLE LAW �Theterms andenforcement ofthisAgreement shall begoverned byfederal lawandthelawof
Wisconsin .
20.ENFORCING THIS AGREEMENT �Wecan delay inenforcing orfailtoenforce any ofOur rights under this
Agreement  without losing them.
21.COLLECTION COSTS �IfWerefer collection ofYour Account toalawyer who isnotOursalaried employee, You
areliable forany reasonable attorney�s fees Weincur, plus thecosts and expenses ofany legal action, asfurther
disclosed on this Agreement, or to the extent allowed by law.
22.ASSIGNMENT �We may assign any or all of Our rights and obligations under this Agreement  to a third party.
23.CALIFORNIA RESIDENTS �Amarried applicant may apply foraseparate Account. Applicants: 1)may, after credit
approval, usethecredit card Account uptoitscredit limit; 2)may beliable foramounts extended under theplan toany
joint applicant. Asrequired bylaw, You arehereby notified thatanegative credit report reflecting onYour credit record
may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.
24.FLORIDA RESIDENTS �You (borrower) agree that, should Weobtain ajudgment against You, aportion of
Your disposable earnings may beattached orgarnished (paid toUsbyYour employer), asprovided byFlorida
and Federal law.
25.MARYLAND RESIDENTS �To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your
Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article .
26.MISSOURI RESIDENTS �Oral Agreements orcommitments toloan money, extend credit ortoforbear from
enforcing repayment ofadebt including promises toextend orrenew such debt arenotenforceable. Toprotect
You (borrower(s)) and Us(creditor) from misunderstanding ordisappointment, any Agreements We reach
covering such matters arecontained inthis writing, which isthecomplete and exclusive statement ofthe
Agreement between Us, except as We may later agree in writing to modify it.
27.NEW YORK RESIDENTS �Wemay obtain acredit report inconnection with thisAccount, including foranyreview,
modification, renewal orcollections associated with thisAccount. Upon Your request, You willbeinformed whether such
report was requested and, ifso,thename andaddress oftheconsumer reporting agency furnishing thereport. New York
residents may contact theNew York State Banking Department at800.342.3736 orwww.dfs.ny.gov toobtain a
comparative listing of credit card rates, fees and grace periods.
28.OHIO RESIDENTS �TheOhio laws against discrimination require thatallcreditors make credit equally available to
allcreditworthy customers andthatcredit reporting agencies maintain separate credit histories oneach individual upon
request. The Ohio Civil Rights Commission administers compliance with this law.
29.SOUTH DAKOTA RESIDENTS �IfYou believe there have been anyimproprieties inmaking thisloan orinthe
lender�s loan practices, You may contact theSouth Dakota Division ofBanking at1601 N.Harrison Ave, Suite 1,Pierre,
SD 57501, or by phone at 605.773.3421.
30.WISCONSIN RESIDENTS �IfYouaremarried, please contact Usimmediately uponreceipt ofthisAgreement atthe
address orphone number listed onthisAgreement andprovide Uswith thename andaddress ofYour spouse. Weare
required to inform Your spouse that We have opened a n Account for You.
31.NOTICE TOUTAH BORROWERS �This written Agreement isafinal expression oftheAgreement between You
andtheCredit Union. This written Agreement may notbecontradicted byevidence ofanyoralAgreement. Asrequired by
law, You arehereby notified thatanegative credit report reflecting onYour credit record may besubmitted toacredit
reporting agency if You fail to fulfill the terms of Your credit obligations.
32.THE FOLLOWING ISREQUIRED BYVERMONT LAW �NOTICE TOCO-SIGNER �YOUR SIGNATURE ON
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OFTHIS LOAN. IFTHE BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. Page 5 of5
04807021-MXC30-P-1-031021 (MXC303-E)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
IfYou think there is an error on Your statement, write to Us at the address listed on Your statement.
InYour letter, give Us the following information:
-Account information:  Your name and Account number.
-Dollar amount:  The dollar amount of the suspected error.
-Description ofproblem: IfYouthink there isanerror onYourbill,describe what Youbelieve iswrong andwhy You
believe it is a mistake.
You must contact Us:
-Within 60 days after the error appeared on Your statement .
-Atleast three business days before anautomated payment isscheduled, ifYouwant tostop payment ontheamount
You thin k is wrong.
You must notify Usofanypotential errors inwriting orelectronically. You may callUs,butifYoudoWearenotrequired
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 30days ofreceiving Yourletter, Wemust tellYouthatWereceived Yourletter. Wewillalso tellYouifWehave
already corrected the error.
2.Within 90days ofreceiving Yourletter, Wemust either correct theerror orexplain toYouwhy Webelieve thebillis
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.
-Wecan apply any unpaid amount against Your credit limit.
After We finish Our investigation, one of two things will happen:
-IfWemade amistake: You willnothave topaytheamount inquestion oranyinterest orother fees related tothat
amount.
-IfWedonotbelieve there was amistake: You willhave topaytheamount inquestion, along with applicable
interest andfees. Wewillsend Youastatement oftheamount Youowe andthedate payment isdue. Wemay then
report You as delinquent if You do not pay the amount We think You owe.
IfYoureceive Ourexplanation butstillbelieve Yourbilliswrong, Youmust write toUswithin 10days telling UsthatYou
stillrefuse topay. IfYoudoso,Wecannot report Youasdelinquent without also reporting thatYouarequestioning Your
bill.Wemust tellYouthename ofanyone towhom Wereported Youasdelinquent, andWemust letthose organizations
know when the matter has been settled between Us.
IfWedonotfollow alloftherules above, Youdonothave topaythefirst$50oftheamount Youquestion even ifYourbill
is correct.
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
IfYouaredissatisfied with thegoods orservices thatYouhave purchased with Yourcredit card, andYouhave tried in
good faith tocorrect theproblem with themerchant, Youmay have theright nottopaytheremaining amount dueonthe
purchase.
To use this right, all of the following must be true:
1.Thepurchase must have been made inYourhome state orwithin 100miles ofYourcurrent mailing address, andthe
purchase price must have been more than $50. (Note: Neither ofthese arenecessary ifYourpurchase wasbased 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 Yourcredit card forthepurchase. Purchases made with cash advances from anATM orwith a
check that accesses Your credit card Account do not qualify.
3.You must not yet have fully paid for the purchase .
Ifallofthecriteria above aremetandYouarestilldissatisfied withthepurchase, contact Usinwriting orelectronically at
the address listed on Your statement.
While Weinvestigate, thesame rules apply tothedisputed amount asdiscussed above. After Wefinish Ourinvestigation,
WewilltellYouOurdecision. Atthatpoint, ifWethink Youowe anamount andYoudonotpay, Wemay report Youas
delinquent.