THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITYINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVEWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OFCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREETHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATEAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLYYOUR SHARES TO THE AMOUNT YOU OWE.Shares and deposits in an Individual Retirement Account or any otheraccount that would lose special tax treatment under state or federal law ifgiven are not subject to this security interest.If you have other loans with us, collateral securing such loans will alsosecure your obligations under this Agreement, unless that other collateralis your principal residence or non-purchase money household goods.CREDIT CARD AGREEMENT
Ownership of Card. Your Card remains our property and may be cancelled by usat any time without notice. You agree to surrender your Card and to discontinueuse of the account immediately upon our request.Interest Charges. You agree to pay interest at the rate(s) disclosed to you at thetime you open your account and as may be changed from time to time inaccordance with applicable law. Average Daily Balance including newtransactions: Interest Charges will accrue on your average daily balanceoutstanding during the month. To get the average daily balance, we take thebeginning balance each day, add any new purchases, cash advances, balancetransfers or other advances, and subtract any payments, unpaid interest charges,and unpaid late charges. This gives us the daily balance. Then, we add up all thedaily balances for the billing cycle and divide that by the number of days in thebilling cycle. We then multiply that by the periodic rate corresponding to the AnnualPercentage Rate on your account. If you have different rates for purchases, cashadvances or balance transfers, separate average daily balances for each will becalculated and the appropriate periodic rate is then applied to each.Grace Period on Purchases Only: Pay full amount of the new balance ofPurchases within 25 days of your statement closing date. Otherwise, the newbalance of your account, and subsequent advances from the date they are postedto the account, will be subject to an Interest Charge. You cannot avoid InterestCharges on cash advances and balance transfers; even if you pay the entire cashadvance balance or balance transfer balance by the payment due date, you willincur the Interest Charges accrued from the date the cash advance or balancetransfer is posted to your account.Fees. In addition to the Interest Charges set forth above, you agree to also payany and all fees that you incur as disclosed to you on your Truth-in- LendingStatement or similar disclosures (as may be amended from time to time), or asdisclosed to you during the term of your Card.If Your Card is Lost or Stolen or if an Unauthorized Use Occurs.  You agree to notify us immediately if your Card is ever lost or stolen or if an unauthorized usemay have occurred. "Unauthorized use" means the use of the Card by someoneother than you who does not have actual, implied or apparent authority for suchuse, and from which you receive no benefit. The telephone number to call is800.449.7728. You agree to follow up your call with notice in writing to us at: 111Empire Drive, St. Paul, MN 55103. You also agree to assist us in determining thefacts, circumstances and other pertinent information relating to any loss, theft orpossible unauthorized use of your Card and comply with such procedures as wemay require in connection with our investigation. You will be liable for anyunauthorized use only if we can prove that you were negligent in your use orhandling of your Card, or if we can prove that you used your Card fraudulently.Minimum Payment Due; Crediting of Payments. Payments are due in the amount and on the date disclosed on your billing statement. If your payment isreceived by us on a business day at the address and by the time designated onthe billing statement, it will be credited to your account on the date of receipt. Ifpayment is made at any location other than the address designated on theperiodic statement, credit for such payment may be delayed up to five (5) days.Payments will be applied in any order we determine, subject to applicable law. Ifyou pay more than the minimum payment, your payment will be applied to thehighest Annual Percentage Rate first. Payments received by 5:00 p.m. on the duedate will not be considered late. Any payment received after 5:00 p.m. will beprocessed on the next business day.Default; Acceleration; Credit Suspension; Collection Costs.  You will be in default if: (1) you fail to make any payment on time; (2) if you fail to keep anypromises you have made under this Agreement or under other Agreements youhave with us; (3) if you die; (4) if you file a petition in bankruptcy or have abankruptcy petition filed against you, or if you become involved in any insolvency,receivership or custodial proceeding; (5) if anyone attempts to take any of yourfunds held by us via legal process or if you have a judgment or tax lien filedagainst you; (6) if you make any false, inaccurate, or misleading statements in anycredit application or credit update; or (7) if we, in good faith, believe that your abilityto repay what you owe is or soon will be impaired, or that you are unwilling tomake your payments.IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSEDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR", AND THE "CREDIT UNION" MEANS HIWAY CREDIT UNION� OR ITS SUCCESSORS. BY USING YOUR CARD, YOUAGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.
page 1 of 3Using Your Card. You can purchase or lease goods and services from anymerchant who honors your Card, and you may obtain cash advances fromfinancial institutions and ATM machines that accept the Card, up to your maximumcredit limit. You agree not to present your Card or obtain a cash advance for anyextension of credit in excess of your available cash limit; however, if you do exceedyour credit limit, you agree to make immediate payment sufficient to bring thebalance below the credit limit. Certain purchases and cash advances requireauthorization prior to completion of the transaction. In some cases, you may beasked to provide identification. If our system is not working, we may not be able toauthorize a transaction, even though you have sufficient credit available. Also, forsecurity reasons, we may block the use of your Card in certain countries orgeographic areas. We will have no liability to you or others if any of these eventsoccur.Personal Identification Number (PIN).  We may issue a Personal Identification Number (PIN) for use with your Card. This PIN is confidential and should not bedisclosed to anyone. You may use your PIN and your Card to access youraccount, and all sums advanced will be added to your account balance. In theevent a use of your PIN constitutes an Electronic Funds Transfer, the terms andconditions of your Electronic Funds Transfer Agreement may affect your rights.Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cashadvances, and balance transfers made by you or anyone whom you authorize touse the Card; (b) all Interest Charges and all other charges or fees; (c) collectioncosts and attorney's fees as permitted by applicable law, and any costs incurred inthe recovery of the Card; and (d) credit in excess of your credit limit that we mayextend to you.Illegal Transactions. You agree that your Card and account will not be used tomake or facilitate any illegal transactions as determined by applicable law; and thatany such use will constitute an event of default under this Agreement. We maydecline any transaction that we believe to be illegal under applicable law, includingbut not limited to any transaction involving or relating to any gambling activity. Youagree that we will have no liability or responsibility for any such use by you or anyauthorized user(s); or for declining any such transaction. You further agree toindemnify and hold us harmless from any suits, liability, damages or adverse actionof any kind that results directly or indirectly from such illegal use. You promise topay us any and all amounts owing on your Card for any transactions made by you,even if the transaction is determined to be illegal.Joint Accounts. Each of you will be responsible, jointly and severally, for therepayment of amounts owed, regardless of who initiated any transaction under theaccount.Others Using Your Account. If you allow anyone else to use your account, youwill be liable for all credit extended to such persons. You promise to pay for allpurchases and advances made by anyone you authorize to use your account,whether or not you notify us that he or she will be using it. If someone else isauthorized to use your account and you want to end that person's privilege, youmust notify us in writing, and if he or she has a Card, you must return that Cardwith your written notice for it to be effective. 9011 LASER FPDF FI19013 Rev 6-2020 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.
 IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSEDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR", AND THE "CREDIT UNION" MEANS HIWAY CREDIT UNION� OR ITS SUCCESSORS. BY USING YOUR CARD, YOUAGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.
If you are in default, we have the right to demand immediate payment of yourfull account balance without giving you notice. If immediate payment isdemanded, you agree to continue paying interest charges and fees until whatyou owe has been paid, and any shares that were given as security for youraccount may be applied towards what you owe. You agree to pay allreasonable costs of collection, including court costs and attorney's fees, andany costs incurred in the recovery of the Card, subject to applicable law. Evenif your unpaid balance is less than your credit limit, you will have no creditavailable during any time that any aspect of your account is in default.Suspension of electronic services and access to share or depositaccounts. Subject to applicable law, we may suspend some or all electronicservices and access to your checking or other account(s) if you becomedelinquent on any of your credit card or deposit obligations to us or you causea loss to us. We shall not be liable to you in any regard in connection withsuch suspension of services.Additional Benefits/Card Enhancements. We may from time to time offeradditional services to your Account at no additional cost to you. Youunderstand that we are not obligated to offer such services and may withdrawor change them at any time.Convenience Checks. We may, at our discretion, issue checks to you whichmay be used for any purpose other than making a payment for credit to youraccount. By signing such check, you authorize us to pay the item for theamount indicated and post such amount as a cash advance to your account.We do not have to pay any item which would cause the outstanding balancein your account to exceed your credit limit.Credit Information. We may from time to time request personal informationfrom you or obtain credit reports from the credit reporting agencies for thepurpose of updating your credit status. Your failure to provide such informationwhen requested by us may result in suspension of credit privileges under thisAgreement, including your ability to obtain any future advances by anymeans. You authorize us to investigate your credit standing when opening orreviewing your account. You authorize us to disclose information regardingyour account to credit bureau and creditors who inquire about your creditstanding.Foreign Transactions; Currency Conversion. Purchases and cashadvances made in foreign currencies will be billed to you in U.S. dollars. Theconversion rate in dollars will be a rate selected by the card company from arange of rates available in wholesale currency markets for the applicablecentral processing date, which rate may vary from the rate the card companyitself receives, or the government-mandated rate in effect for the applicablecentral processing date in each instance. All transactions processed outsideof the United States (which may include internet transactions) will be chargeda foreign transaction fee in the amount disclosed on your Truth-in-LendingStatement (as amended from time to time).Termination; Change-in-Terms. We may, by written notice, terminate thisAgreement at any time, subject to applicable law. You may terminate thisAgreement by written notice. Termination by either party shall not affect yourobligation to repay any balance on your account resulting from use of theCard as well as Interest Charges and fees incurred. We may change theterms of this Agreement, including the method of calculating the periodic rate,at any time, by written notice, subject to applicable law. Use of the Cardconstitutes agreement and acceptance of any change in terms, unlessapplicable law requires otherwise. Our failure to exercise any of our rights orto take any action shall not constitute a waiver of those rights, or anamendment or change in any of the terms of this Agreement.Late or Partial Payments. Any payment that delays the reduction of yourbalance will increase your total interest costs. Partial payments orprepayments will not delay your next scheduled payment - you will still needto make the minimum scheduled payment by the next scheduled due date tokeep your account current. We may accept late payments, partial payments,checks or money orders marked "payment in full" and such action shall notconstitute final settlement of your account or a waiver or forgiveness of anyamounts owing under this Agreement.Enforcement. We do not lose our rights under this or any related agreementif we delay enforcing them. If any provision of this or any related agreement isdetermined to be unenforceable or invalid, all other provisions remain in fullforce and effect.Returns and Adjustments. Merchants and others who honor the Card maygive credit for returns or adjustments, and they will do so by submitting acredit slip which will be posted to your account. If your credits and paymentsexceed what you owe us, the amount will be applied against future purchasesand cash advances. If the credit balance amount is $1 or more, it will berefunded upon your written or verbal request.Plan Merchant Disputes. We are not responsible for the refusal of any planmerchant or financial institution to honor your Card. Also, we are notresponsible for goods or services that you purchase with the Card unless: (a)your purchase was made in response to an advertisement we sent orparticipated in sending you; or (b) your purchase cost more than $50 and wasmade from a plan merchant in your state or within 100 miles of your home;and only if you have made a good faith attempt, but have been unable toobtain satisfaction from the plan merchant. You must resolve all otherdisputes directly with the plan merchant. We do not warrant any merchandiseor services purchased by you with the Card.Statements and Notices. Statements and notices will be mailed to you at themost recent postal address or e-mail address (if you have elected to receivesuch documents via electronic means) you have given us. Notice sent to anyone of you will be considered notice to all.Notification of Address Change. You will notify us promptly if you changeyour address for any reason. In order to prevent identity theft, your identitymay need to be verified before we act upon the notification.Copy Received. You acknowledge that you have received a copy of thisAgreement.Governing Law. This Agreement shall be construed under federal law andstate law in the state of Minnesota, and the venue shall be located in thecounty and state in which we are primarily located. Operating regulations ofVisa may also apply. This Agreement is the contract that applies to alltransactions even though the sales, cash advance, convenience check, creditor other slips you sign or receive may contain different terms.NOTICE TO UTAH BORROWERS: This written agreement is a finalexpression of the agreement between you and the Credit Union. This writtenagreement may not be contradicted by evidence of any oral agreement.Important Information for Platinum Rewards card holders: One point will be earned for each dollar of purchases. Your account must be open and ingood standing to redeem rewards. No points are earned for cash advances,convenience checks, balance transfers, interest charges, fees, foreigntransaction currency conversion charges or insurance charges posted to theaccount. Points have no cash value. We reserve the right to change programrules, regulations, benefits, conditions or participation without notice. Pointscan only be used to order the awards described in the current PlatinumRewards brochure or the program web site, which may be updated from timeto time. Platinum Rewards points expire after five years on a first in, first outbasis annually on December 31st of the fifth calendar year. For example,points earned in 2016 will expire on December 31, 2020. Your accountstatement will show the number of points earned. You can earn a maximum of10,000 points per billing cycle with a 100,000 calendar year maximum. Taxliability is the responsibility of the cardholder. The program is void whereprohibited by law.Important Information for Signature Cash Rewards card holders: Rebate only applies to new purchases (less returns). Cash advances do not qualify.No minimum purchase required per billing cycle to qualify, then 1% is creditedquarterly on your statement on the net purchases. We reserve the right tochange program rules, regulations, benefits, conditions or cancel/amend theprogram without notice.
page 2 of 3
9011 LASER FPDF FI19013 Rev 6-2020 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
page 3 of 31.2.3.This notice tells you about your rights and our responsibilities under theFair Credit Billing Act.What To Do If You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at the address(es)listed on your statement.In your letter, give us the following information:
Within 60 days after the error appeared on your statement.At least 3 business days before an automated payment is scheduled, ifyou want to stop payment on the amount you think is wrong.��You must contact us:You must notify us of any potential errors in writing. You may call us, but if youdo, we are not required to investigate any potential errors and you may haveto pay the amount in question.What Will Happen After We Receive Your LetterWhen we receive your letter, we must do two things:Within 30 days of receiving your letter, we must tell you that we receivedyour letter. We will also tell you if we have already corrected the error.Within 90 days of receiving your letter, we must either correct the error orexplain to you why we believe the bill is correct.1.2.����We cannot try to collect the amount in question, or report you asdelinquent on that amount.The charge in question may remain on your statement, and we maycontinue to charge you interest on that amount.While you do not have to pay the amount in question, you are responsiblefor the remainder of your balance.We can apply any unpaid amount against your credit limit. If all of the criteria above are met and you are still dissatisfied with thepurchase, contact us in writing at the address(es) listed on your statement.While we investigate, the same rules apply to the disputed amount asdiscussed above. After we finish our investigation, we will tell you ourdecision. At that point, if we think you owe an amount and you do not pay, wemay report you as delinquent.If you receive our explanation but still believe your bill is wrong, you must writeto us within 10 days telling us that you still refuse to pay. If you do so, wecannot report you as delinquent without also reporting that you arequestioning your bill. We must tell you the name of anyone to whom wereported you as delinquent, and we must let those organizations know whenthe matter has been settled between us.If we do not follow all of the rules above, you do not have to pay the first $50of the amount you question even if your bill is correct.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased withyour credit card, and you have tried in good faith to correct the problem withthe merchant, you may have the right not to pay the remaining amount due onthe purchase.To use this right, all of the following must be true:If we made a mistake: You will not have to pay the amount in question orany interest or other fees related to that amount.If we do not believe there was a mistake: You will have to pay the amountin question, along with applicable interest and fees. We will send you astatement of the amount you owe and the date payment is due. We maythen report you as delinquent if you do not pay the amount we think youowe.��After we finish our investigation, one of two things will happen:
The purchase must have been made in your home state or within 100miles of your current mailing address, and the purchase price must havebeen more than $50. (Note: Neither of these are necessary if yourpurchase was based on an advertisement we mailed to you, or if we ownthe company that sold you the goods or services.)You must have used your credit card for the purchase. Purchases madewith cash advances from an ATM or with a check that accesses yourcredit card account do not qualify.You must not yet have fully paid for the purchase.1.2.3.While we investigate whether or not there has been an error:Your name and account number.The dollar amount of the suspected error.If you think there is an error on your bill, describe what you believe iswrong and why you believe it is a mistake.
9011 LASER FPDF FI19013 Rev 6-2020 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the MilitaryLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (�MLA�), and (a) your loan is unsecured or secured by personal property or a vehiclethat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolvingline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:NOTICE:
 Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protectionfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees forspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receivethis notice verbally, please call 1-866-915-7117 during our normal business hours Monday through Friday.1.
This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connectionwith this loan (�Secured Account�). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralizationprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subjectto the Military Lending Act.However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply thesums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.2.
Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) towaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice fromyou in order to exercise your legal rights; or (d) Prepayment penalties.3.4.Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory tothese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other termsand conditions of the consumer credit contract shall remain in full force and effect.