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        8.90% - Platinum
   Purchases, Balance Transfers and 
                                           Your rate is based on your creditworthiness. After that, your APR will 
   Cash Advances                           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                   None.
   u  Cash Advance                       1% of the amount of each transfer not to exceed $25.
   u  Foreign Transaction                1% of each transaction in U.S. Dollars.
   Penalty Fees
   u  Late Payment                       Up to $25 
   u  Returned Payment                   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  The words �Visa Cash Advance� means loans which may be obtained through the 
                  Disclosure Statement (�Visa Agreement�) is to establish the terms and conditions  use of the card upon execution by you, written request on a form furnished by 
  for use of the Lakewinds Natural Foods Visa Credit Card revolving line of credit and  Issuer, or an authorized Visa   representative.
  to provide you with certain disclosures required by law.
                                            You and we understand and agree as follows:
  In this Visa Agreement the words �we,� �our,� �us� or �Credit Union� mean SPIRE  
  Federal Credit Union or its successors and assigns. 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 
  The words �you� or �your� mean each person who has applied for a Lakewinds       Natural Foods Visa   Credit Card and may be replenished by payment of 
  Natural Foods Visa Credit Card or who uses the card or duplicate credit card.      amounts previously drawn on such line of credit.
  The word �card� means your Lakewinds Natural Foods Visa   Credit Card and  2.  Approval and Use. If SPIRE Federal Credit Union approves your application 
  duplicates of said card. The word �account� means your Lakewinds Natural Foods       for a card, any use of the line of credit made available to you through your 
  Visa Credit Card revolving credit account with SPIRE Federal Credit Union.       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 
  The words �Credit Purchase� mean goods and services which may be purchased       Credit Card, any use of it thereafter shall constitute your acceptance of all of the 
  or leased by means of the card from any retail business establishment which       terms stated in this Visa Agreement.
  honors the card upon the execution of a sales slip evidencing such Credit 
  Purchase and your account number.
   3.  Prepayment. You may pay the balance of your account in full or in part at any  9.  Late/Cash Advance/Replacement Card Fee/Returned Check 
        time without penalty except that you must pay the minimum periodic payments       Charges/International Currency Conversions. 
        that are required under paragraph 7.       
                                                 You agree to pay up to a $25 fee when payments of any amounts due 
   4.  Credit Limit and Repayment. Your credit limit will be determined by the          thereunder is more than 5 days late.
        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       You agree to pay a Cash Advance Fee of 1% of transaction amount with a   
        accordance with the terms and conditions of this Visa   Agreement. The card       maximum of $25.
        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       You agree to pay a $10 fee for replacement card(s) if card(s) is/are lost, stolen, 
        representative of the Credit Union.      or damaged.
                                                  
   5.  Finance Charge. A Finance Charge will be imposed on Visa Cash       You agree to pay up to a $25 fee if your check for payment is not honored or is 
        Advances that you obtain through the use of your card during the current billing       returned to you because it cannot be processed.
        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,       You agree to pay a Foreign Transaction Fee of 1% of the total transaction amount 
        which is determined by dividing the sum of the daily balances during the billing       for international currency conversions. 
        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  10. Direct Payment Authorization. Unless you have instructed the Credit 
        or the ?rst day of the billing cycle in which posted, whichever is later, to previous       Union to the contrary at the time you submitted your application or so instruct 
        balance, excluding any unpaid Finance Charges, and subtracting each       the Credit Union before using your new Visa Credit Card, you authorize the 
        payment and credit on the date of receipt. The Finance Charge for a billing       Credit Union in the event the minimum payment on your account is 10 days late 
        cycle is computed by multiplying the average daily balance by the daily rate and       or your account exceeds its assigned credit limit by 10% or more to pay the 
        the number of days in the cycle.         minimum amount required on your account or the amount exceeding your credit 
                                                 limit by advancing funds from any savings account, checking account, or 
        A Finance Charge will be imposed on Credit Purchase of goods and service       revolving credit loan plan that you have with the Credit Union.
        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  11. Collection Costs. You agree to pay all costs, including reasonable attorney�s 
        days from the closing date of the statement. If you elect not to pay the entire       fees and court costs, incurred by the Credit Union in trying to collect any 
        New Balance shown on your previous monthly statement, a Finance Charge       amounts which are owed on your account or in enforcing the terms and 
        will be imposed on the unpaid balance of Credit Purchases from the statement       conditions of this Visa Agreement.
        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  12. Obligations For All Persons Under This Agreement. You agree to pay 
        to accrue until the closing date of the billing cycle preceding the date on which       any and all charges incurred by you or by any person whom you authorize to 
        the entire New Balance is paid in full. If the New Balance indicated on your       use the Visa   Credit Card issued to you, and any fees or charges incurred in the 
        statement for the prior monthly period is paid in full within 25 days after the       recovery of your card and in the retrieval of transaction data.
        closing date, no Finance Charge will be imposed during the current billing 
        cycle for Credit Purchases made during previous billing cycles.  13. Security Interest. If you give us a speci?c pledge of shares by signing a 
                                                 separate Pledge of Shares, your pledged shares will secure your account. 
        The balance of Credit Purchases subject to a Finance Charge is the average       You may not withdraw amounts that have been speci?cally pledged to secure 
        daily outstanding unpaid balance, which is determined by dividing the sum of       your account until we agree to release all or part of the pledged amount. YOUR 
        the daily balances during the billing cycle by number of days in the cycle. Each      ACCOUNT IS SECURED BY ALL OTHER SHARES YOU HAVE IN ANY 
        daily balance of Credit Purchases is determined by adding to the previous      INDIVIDUAL OR JOINT ACCOUNT WITH US, EXCEPT FOR SHARES 
        balance new Credit Purchases posted through the date if the previous balance      IN AN IRA OR ANY OTHER ACCOUNT THAT WOULD LOSE 
        was not paid in full within 25 days of the statement closing date, and subtracting      SPECIAL TAX TREATMENT UNDER STATE OR FEDERAL LAW IF 
        each payment and credit on the date of receipt, but excluding any unpaid      GIVEN AS SECURITY.  THESE OTHER SHARES MAY BE 
        Finance Charges. The Finance Charge for a billing cycle is computed by      WITHDRAWN UNLESS YOU ARE IN DEFAULT UNDER THIS  
        multiplying the average daily balance by the daily rate and the number of days in      AGREEMENT.  YOU AUTHORIZE US TO APPLY THE BALANCE 
        the cycle, using Average Daily Balance (including new purchases) Method.     IN YOUR INDIVIDUAL OR JOINT SHARE ACCOUNT TO PAY ANY 
                                                AMOUNTS DUE ON YOUR LINE OF CREDIT IF YOU SHOULD 
   6.  Periodic Rate. The Daily Periodic Rate applicable to purchases and cash      DEFAULT.  Collateral securing other loans you have with us may also secure this 
        advances for the billing cycle is 1/365th of the Annual Percentage Rate effective       loan, except that a dwelling will never be considered as security for this account, 
        for the billing period as disclosed below. The ANNUAL PERCENTAGE RATE is       notwithstanding anything to the contrary in any other Agreement.�
        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  14.Termination By Credit Union. The Credit Union may terminate your account   
        Rate. The U. S. Prime Rate used to determine your APR for each billing cycle is       and declare any and all amounts thereunder immediately due and payable under  
        the highest rate appearing in The Wall Street Journal on the last day of the       any of the following conditions:
        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       (a) upon the adverse re-evaluation of your creditworthiness; or
        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       (b) upon your failure to make any minimum payment or other required payment 
        periodic rate of 0.024% for Visa Platinum. The Annual Percentage Rate will             by the date that it is due or otherwise fail to satisfy the terms of this Visa 
        never be greater than 18.00%.                  Agreement; or     
   7.   Minimum Payments. The minimum periodic payment required on your       (c) upon your default under any other security agreement executed in 
        account will be the total New Balance as shown on your monthly billing             connection with a transaction with the Credit Union; or
        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        (d) if you die; or
        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        (e) at the Credit Union�s option, if it has other good cause.
        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  15. Termination by Cardholder. You may terminate your account at any time at   
        account at the sole discretion of the Credit Union. If you pay more than the       your option.
        minimum payment, your payment will be applied to the highest APR ?rst.
   8.  Annual Fee. None.
   16. Noti?cation of Amendment or Termination. The Credit Union reserves  YOUR BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE
        the right to amend this Visa Agreement to comply with federal and/or state  This notice tells you about your rights and our responsibilities under the Fair Credit Billing 
        laws or to refuse any request for a Visa Cash Advance or Credit Purchase  Act.
        at any time for any reason not prohibited by law or to terminate your account as 
                                            What To Do If You Find A Mistake On Your Statement
        provided in paragraph 15. If the Credit Union changes the terms of this  If you think there is an error on your statement, write to us at:
        Agreement, a 45 day notice of any change will be given in accordance 
                                            SPIRE Federal Credit Union
        applicable law. The change in terms will apply to any future transactions and all  2025 Larpenteur Ave. W.
        existing balances. You have the right to opt-out of any changes to your  Falcon Heights, MN 55113
        account. If you elect to opt-out of any changes after noti?cation, you will be  or via email: info@spire-banking.com
        required to submit your request in writing or contact us at: 651.215.3500 by the 
                                            In your letter, give us the following information:
        stated due date as stated in the noti?cation. If you choose to opt-out, your 
                                                 � Account information: Your name and account number.
        account will be closed. Your existing balance may be subject to a ?ve (5) year 
                                                 � Dollar amount: The dollar amount of the suspected error.
        amortization to repay the existing balance once your account is closed.      � 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.
   17. Liability for Unauthorized Use.  You may be liable for the unauthorized use 
                                            You must contact us:
        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       � Within 60 days after the error appeared on your statement.
                                                 � At least 3 business days before an automated payment is scheduled, if you 
        unauthorized use of your card or account.  You are not liable for any further 
                                                   want to stop payment on the amount you think is wrong.
        unauthorized charges after you notify us of a loss, theft or possible 
        unauthorized use.  You will have no liability for unauthorized purchases made  You must notify us of any potential errors in writing or electronically. You may call 
        with your credit card, unless you are grossly negligent in handling your card.  In  us, but if you do, we are not required to investigate any potential errors and you 
        any case your liability will not exceed $50.00. may have to pay the amount in question.
                                            What Will Happen After We Receive Your Letter.
   18. Returns and Adjustments.  Merchants and others who honor your card  When we receive your letter, we must do two things:
        may give credit for returns or adjustments, and they will do so by sending the       1. Within 30 days of receiving your letter, we must tell you that we received 
        Credit Union a credit slip which will be posted to your account.  If your credits           your letter. We will also tell you if we have already corrected the error.
        and payments exceed what you owe the Credit Union, the amount will be       2. Within 90 days of receiving your letter, we must either correct the error or 
        applied against future purchases and cash advances.  If the credit balance is           explain to you why we believe the bill is correct. 
        $1.00 or more, it will be refunded upon your written request or automatically 
                                            While we investigate whether or not there has been an error:
        after six (6) months.
                                                 � We cannot try to collect the amount in question, or report you as delinquent 
                                                   on that amount.
   19. Statements and Notices.  Statements and Notices will be mailed to you at 
                                                 � The charge in question may remain on your statement, and we may continue 
         the appropriate address you have given the Credit Union.  Notice sent to any 
                                                   to charge you interest on that amount.
         one of you will be considered notice to all.      � While you do not have to pay the amount in question, you are responsible for 
                                                   the remainder of your balance.
   20. Review of Credit. You understand that the Credit Union reserves the right       � We can apply any unpaid amount against your credit limit.
        to review your loan ?le and you hereby give permission and authorize the 
                                            After we ?nish our investigation, one of two things will happen:
        Credit Union to investigate and re-assess your creditworthiness including the       
                                                 � If we made a mistake: You will not have to pay the amount in question or any 
        right to make inquiries as deemed necessary pertaining to your employment, 
                                                   interest or other fees related to that amount.
        credit standing, and ?nancial responsibility from time to time as the Credit 
                                                 � If we do not believe there was a mistake: You will have to pay the amount in 
        Union may determine.                       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 
   21. Governing Law. You understand and agree that this Visa Agreement shall         report you as delinquent if you do not pay the amount we think you owe.
                                                 
        be governed in all respects, including validity, interpretation and enforcement, 
                                            If you receive our explanation but still believe your bill is wrong, you must write to 
        by federal law and the laws of the State of Minnesota, without regard to its 
                                            use within10 days telling us that you still refuse to pay. If you do so, we cannot re-
        con?ict of law principles. The invalidity or unenforceability of any provision of  port you as delinquent without also reporting that you are questioning your bill. We 
        this Visa Agreement under applicable law shall not affect, modify or impair the  must tell you the name of anyone to whom we reported you as delinquent, and we 
        validity and enforceability of all other provisions. In addition, you agree that we  must let those organizations know when the matter has been settled between us.
                                                 
        may sue you in the county in which our principal of?ce is located.
                                            If we do not follow all of the rules above, you do not have to pay the ?rst $50 of the 
                                            amount you question even if your bill is correct.
   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        Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
        transaction that we believe poses an undue risk of illegality or unlawfulness. If you are dissatis?ed 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 dissatis?ed 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 ?nish 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.
   (1/11)