WILDFIRE CREDIT UNION
P.O. Box 3285 • Saginaw, MI 48605 • (989) 249-8200 • (800) 227-2328

VISA® PLATINUM CREDIT CARD APPLICATION-AGREEMENT 
AND TRUTH-IN-LENDING DISCLOSURE STATEMENT

In this Application-Agreement and Truth-In-Lending Disclosure Statement, the
words “you” and “your” mean each and all of those who apply and are approved
for the card. “Card” means the VISA® Credit Card and any duplicates and
renewals we issue. “Account” means your VISA® Credit Card Line of Credit
account with us. “We,” “us” and “ours” mean this Credit Union.

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Responsibility. If we issue you a card, you agree to repay all debts and the
FINANCE CHARGE arising from the use of the card and the card account.
For example, you are responsible for charges made by yourself, your spouse
and minor children. You are also responsible for charges made by anyone
else to whom you give the card, and this responsibility continues until the
card is recovered. You cannot disclaim responsibility by notifying us, but
we will close the account for new transactions if you so request and return
all cards. Your obligation to pay the account balance continues even though
an agreement, divorce decree or other court judgment to which we are not a
party  may  direct you  or  one  of  the  other  persons  responsible  to  pay  the
account. Any person using the card is jointly responsible with you for
charges he or she makes, but if that person signs the card he or she becomes
a party to this Agreement and is also jointly responsible for all charges on
the account, including yours.
Credit Line. If we approve your application, we will establish a self-replen-
ishing Line of Credit for you and notify you of its amount when we issue the
card. You agree not to let the account balance exceed this approved Credit
Line. Each payment you make on the account will restore your Credit Line
by the amount of the payment which is applied to principal. You may
request an increase in your Credit Line, which must be approved by our
credit committee or loan officer. By giving you written notice, we may
reduce your Credit Line from time to time, or with good cause, revoke your
card and terminate this Agreement. Good cause includes your failure to
comply with this Agreement, or our adverse reevaluation of your creditwor-
thiness. You may also terminate this Agreement at the time, but termination
by either of us does not affect your obligation to pay the account balance.
The cards remain our property and you must recover and surrender to us all
cards upon our request and upon termination of this Agreement.
Using the Card. To make a purchase or cash advance, present the card to the
participating VISA® plan merchant, to us or to another financial institution,
and sign the sales or cash advance draft which will be imprinted with your
card. You will receive a copy of the draft which you should retain to verify
your monthly statement. We reserve the right to make a reasonable charge
not exceeding ($2.00) each for photostatic copies of drafts you may request.
Monthly Payment.  We will mail you a statement every month showing your 
Previous Balances of purchases and cash advances, the current transactions
on your account, the remaining credit available under your Credit Line, the
New Balances of purchases and cash advances, the Total New Balance, the
FINANCE CHARGE due to date, and the Minimum Payment required.
Every month you must pay at least the Minimum Payment by the due date. 
By separate agreement, you may authorize us  to  charge  the  Minimum
Payment  automatically  to  your  share  or  checking account with us. You
may, of course, pay more frequently, pay more than the Minimum
Payment, or pay the Total New Balance in full, and you will reduce the
FINANCE CHARGE by doing so. The Minimum Payment will be either
(a) 3%  of  your Total  New  Balance,  or  $10.00  whichever  is  greater,  or  (b)
your Total New Balance, if it is less than $10.00, plus (c) any portion of the
Minimum Payment(s)
statement(s) which remains
In addition, at any time your Total New Balance exceeds your
unpaid.
Credit Line, you must immediately pay the excess upon our demand. We
will apply your payments first to previously billed and unpaid FINANCE
CHARGE on purchases; then to previously billed and unpaid FINANCE
CHARGE on cash advances; then to any late fees; then to previously billed
purchases; then to previously billed cash advances; and then to new pur-
chases, whether or not billed on the monthly statement. Purchases and cash
advances will be paid off in the order they were posted to your account.
(Credit
period billed.)

insurance premiums are considered purchase items for the

shown on prior

Finance  Charges.  You can avoid FINANCE CHARGES on purchases by 
paying the full amount of the New Balance of Purchases each month by the 
due date. Otherwise, an average daily balance computation method will be 
applied  to  the  New  Balance  of  Purchases and subsequent purchases 
from the date they are posted to your account. Each average daily 
balance computation will be subject
to FINANCE CHARGE from the 
date they are posted to your account. FINANCE CHARGE (interest) is 
calculated at the periodic rate of .742% - 1.05% per month (ANNUAL 
PERCENTAGE RATE OF 8.9% - 12.6%), on the aver-age daily principal 
balances of purchases and cash advances you make and debit adjustments 
we make during the statement period. The daily principal  balances are 
totalled, and divided by the number of days in the statement  period, to 
produce separate average daily principal balances for purchases and cash

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advances  to  which  the  periodic  rate  is  then  applied.    Insurance charges, 
late fees and annual fee are included in the daily balance of New 
Purchases on the date they are posted to the account.
Fees.  Late Payment Fee.  If you fail to pay the Minimum Payment Du e 
within 10 days from the Minimum Payment Due Date, we may charge, and 
you agree to pay, a late payment fee of up to $15.00.
Annual Fee.  There is no annual fee.
Returned Check Fee.  If any check or other instrument given as payment on 
your account is uncollectible or is dishonored for any reason, we may charge 
you and you agree to pay a Returned Fee of up to $20.00.  We do not have 
to attempt to collect any check more than once. 
Replacement Card Fee. If you need to replace a lost/stolen/damaged Visa credit 
card, we may charge you up to $5.

With proper notice, the Credit Union reserves the right to change fees as may be 
deemed necessary.  Such fees may be automatically charged and non-refundable.

Credits.  If  merchants  who  honor  your  card  give  you  credit for  returns  or 
adjustments they will do so by sending us a credit slip which we will post to 
your account.  If your credits and payments exceed what you owe us, we 
will  hold  and  apply  this  credit  balance  against  future  purchases  and  cash 
advances, or refund it on your written request if it is $1 or more.
Security Interest.  To secure your account, you grant us a purchase money 
security  interest  under  the  Uniform  Commercial  Code  in  any  goods  you 
purchase  through  the  account.  If  you  default,  we  will  have  the  right  to 
recover any of these goods which have not been paid for through our appli-
cation of your payments in the manner described in paragraph 4.  If you give 
or have given us a specific pledge of your Credit Union shares (deposits) by 
signing  a  Pledge  of  Shares,  or  otherwise,  or  any  other  security  interests 
securing repayment of  all your debts to the Credit Union, your account will 
also be secured by the pledge or other property described in those security 
agreements, except for your home.  We reserve any statutory right we may 
have  if  you  are  in  default  to  offset  our  losses  against  any  of  your  other 
deposit accounts in our possession, applying such amounts as stated under 
Paragraph 4.

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Foreign  Transactions.  Purchases  and  cash  advances  you  make  in  foreign 
countries and foreign currencies will be billed to you in U.S. dollars.  The 
conversion to dollars will be made in accordance with the VISA® operating 
regulations for international transactions.

A  1%  International  Transaction  Fee  will  be  assessed  on  all  transactions 
where  the  merchant  country  differs  from  the  country  of  the  card  issuer. 
Single currency international transactions (cross border transactions where 
currency conversions do not take place) will assess a 0.8 percent fee.  The 
converted  transaction  amount  will  be  shown  separately  from  the 
International Transaction Fee on your credit union statement.  This fee will 
be  assessed  on  all  international  purchases,  credit  vouchers,  and  cash 
disbursements.

The  exchange  rate  for  transactions  in  a  foreign  currency  will  be  a  rate 
selected  by  Visa  from  the  range  of  rates  available  in  wholesale  currency 
markets for the applicable central processing date, which rate may vary from 
the rate Visa itself receives, or the government mandated rate in effect for 
the applicable central processing date, plus 1%.

10. Plan Merchant Disputes.  We are not responsible for the refusal of any plan 
merchant or financial institution to honor your card.  We may be subject to 
claims and defenses (other than tort claims) arising out of goods or services 
you  purchase  with  the  card as  explained in  the billing rights  notice.  Any 
other disputes you must resolve directly with the plan merchant.

11. Default.  You will be in default if you fail to make any Minimum Payment 
by the due date.  You  will  also  be in  default  if  your  ability  to  repay  us  is 
materially  reduced  by  a  change  in  your  employment,  an 
in 
your  obligations,  bankruptcy  or  insolvency proceedings involving you, 
your death or your failure to abide by this Agreement, or if the value of our 
security  interest  materially  declines.  We  have 
to  demand 
immediate  payment  of  your  fullaccount  balance if you default, subject 
to our giving you any notice required by law. To  the  extent  permitted  by 
law,  you  will  also  be  required  to  pay  our collection expense, including 
court costs and reasonable attorneys’ fees.

increase 

right 

the 

12. Credit  Information.  You  authorize us  to  investigate  your  credit  standing 
when opening, renewing or reviewing your account, and you authorize us to 
disclose  information  regarding  your  account  to  credit  bureaus  and  other 
creditors who inquire of us about your credit standing, to the extent author-
ized in our By-Laws.

13. Effect  of  Agreement.  This Agreement  is  the  contract  which  applies  to  all 

transactions on your account even though the sales, cash advance or credit
slips you sign may contain different terms.

from such a machine is agreed to constitute your signature for purposes of
such cash advance.

14. Loss  or  Theft  of  Card. You  agree  to  notify  us  immediately  upon
discovering that your Card has been lost or stolen at 1-800-227-2328.

15. Member Liability. You agree to notify us immediately, orally or in writing at
Wildfire Credit Union, 6640 Bay road, P.O. Box 3285 Saginaw, MI 48605
Phone (989) 249-8200, of the loss, theft, or unauthorized use of your credit
card.You may be liable for the unauthorized use of your credit card. You will
not be liable for unauthorized use that occurs after you notify us of the loss,
theft, or possible unauthorized use. In any case your liability will not exceed
$50 for unauthorized cash advances at ATMs. You will have no liability for
unauthorized purchases made with your credit card. 
Illegal Transactions. Cardholder agrees that all transactions that are initiated
by use of the card shall be legal in the jurisdiction where cardholder lives
and/or the transaction occurred. Issuer may decline to authorize any trans-
action that issuer believes poses an undue risk of illegality or unlawfulness.

16.

Internet gambling may be illegal in the jurisdiction in which cardholder is
located, including the United States. The card cannot be used for illegal
transactions. Display of a payment card logo by an online merchant does
not mean that internet transactions are legal in the jurisdiction in which 
cardholder is located. Issuer shall decline to authorize any transaction issuer
believes poses an undue risk of illegality or unlawfulness.

17. Amendment  of  Agreement.

From  time  to  time,  we  may  amend  this
Agreement upon written notice to you by mailing you a copy of the 
proposed amendment at least 15 days prior to the statement period during
which the amendment is to become effective. The notice will be sent to your
last known address appearing in our records when it is sent, and will state
the date upon which the amendment will become effective. The notice will
also advise of the extent, if any, the amendment will apply to your then 
existing obligations under this Agreement.

18. Cash Advance by Machine. If automated teller machines or other electronic
devices are available while this Agreement remains in effect which make it
possible for you to obtain a cash advance by use of your Card in such a
machine, we will furnish you with a secret personal identification number.
Your use of that number, together with your Card, in getting a cash advance

19. Record  Keeping. You  hereby  agree  that  we  may  keep  the  portion  of  this
Agreement which bears your signature so that we can comply with federal
and/or state laws relating to loan documents we are required to keep in our
files.

20. CA RESIDENTS: You may apply for credit in your own name regardless of

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your marital status.
IL  RESIDENTS: Comparative  information  available  from  the  Illinois
Commission of Banks and Trusts Companies, P. O. Box 10181, Springfield,
IL 62791; 1-800-634-5452.

22. NY RESIDENTS: Comparative information available from the New York State

Banking Department 1-800-518-8866.

23. OH RESIDENTS: Credit must be equally available to all those that are credit-
worthy, and credit bureaus must maintain separate credit histories on each
individual upon request. You may contact
the Ohio Civil Rights
Commission regarding compliance with this law. 

24. WI RESIDENTS: No provision of any marital property agreement, unilateral
statement, separation or property settlement agreement, or court decree in a
divorce or legal separation, will affect a creditor’s interest unless, prior to
the time credit is granted, the creditor is furnished a copy of the agreement,
statement or decree, or has actual knowledge of the adverse provision when
the obligation to the creditor is incurred. Therefore, you must provide the
Credit Union with a copy of any such documentation, and the name and
address of your spouse so that we may provide such disclosures as required
under the applicable Wisconsin laws.

IN CASE OF ERRORS OR INQUIRIES ABOUT YOUR BILL

The Federal Truth in Lending Act requires prompt correction of billing mistakes.

1.

If you want to preserve your rights under the Act, here’s what to do if you
think your bill is wrong or if you need more information about an item on
your bill:

a. Do not write on the bill.  On a separate sheet of paper write (you may
telephone your inquiry but DOING SO WILL NOT PRESERVE YOUR
RIGHTS UNDER THIS LAW) the following:

i. Your name and account number.

ii. A description of the error and an explanation (to the extent you can
explain) why you believe it is an error.
If you only need more
information, explain the item you are not sure about and, if you
wish, ask for evidence of the charge such as a copy of the charge
slip. Do not send in your copy of a sales slip or other document
unless you have a duplicate copy for your records.

iii. The dollar amount of the suspected error.

iv. Any other information (such as your address) which you think will
help the Credit Union identify you or the reason for your complaint
or inquiry.

b. Send your billing error notice to the address on your bill which is
listed after the words: “Send Inquiries To:” or similar wording.
Mail it as soon as you can, but in any case, early enough to reach
the Credit Union within 60 days after the bill was mailed to you. If
you have authorized the Credit Union to automatically pay your
VISA® bill from your share or deposit account, you can stop or
reverse  payment  on  any  amount  you  think  is  wrong  by  mailing
your notice so the Credit Union received it within 16 days after the
bill was sent to you. However, you do not have to meet this 16-day
deadline to get the Credit Union to investigate your billing error
claim.

2. The Credit Union must acknowledge all letters pointing out possible errors
within 30 days.  Within 90 days after receiving your letter, the Credit Union
must either correct the error or explain why the Credit Union believes the
bill was correct. Once the Credit Union has explained the bill, the Credit
Union has no further obligation to you even though you still believe that
there is an error, except as provided in paragraph 5 below.

3. After the Credit Union has been notified, neither the Credit Union nor an
attorney nor  a  collection agency  may  send  you  collection letters or  take
other collection action with respect to the amount in dispute but periodic

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statements  may  be  sent  to  you,  and  the  disputed  amount  can  be  applied
against your credit limit. You can not be threatened with damage to your
credit rating or sued for the amount in question, nor can the disputed amount
be reported to a credit bureau or to other creditors as delinquent until the
Credit Union has answered your inquiry. HOWEVER, YOU REMAIN
OBLIGATED TO PAY THE PARTS OF YOUR BILL NOT IN DISPUTE.

If it is determined that the Credit Union has made a mistake on your bill, you
will not have to pay any finance charges on the amount in dispute. If it turns
out that the Credit Union has not made an error, you may have to pay
finance charges on the amount in dispute, and you will have to make up any
missed minimum or required payments on the disputed amount. Unless you
have agreed that your bill was correct, the Credit Union must send you a
written notification of what you owe; and if it is determined that the Credit
Union did make a mistake in billing the disputed amount, you must be given
the time to pay which you normally are given to pay undisputed amounts
before any more finance charges on the DISPUTED AMOUNT can be
charged to you.

If  the  Credit  Union’s  explanation  does  not  satisfy  you  and  you  notify  the
Credit Union IN WRITING within 10 days after you receive its explanation
that you still refuse to pay the disputed amount, the Credit Union may report
you to credit bureaus and other creditors and may pursue regular collection
procedures. But the Credit Union must let you know to whom such reports
were made. Once the matter has been settled between you and the Credit
Union, the Credit Union must notify those to whom the Credit Union report-
ed you as delinquent of the subsequent resolution.

If  the  Credit  Union  does  not  follow  these  rules,  the  Credit  Union  is  not
allowed to collect the first $50 of the disputed amount and finance charges
thereon, even if the bill turns out to be correct.

If  you  have  a  problem  with  property  or  services  purchased  with  a  credit
card, you may have the right not to pay the remaining amount due on them,
if you first try in good faith to return them or give the merchant a chance to
correct the problem. There are two limitations on this right:

a. You must have bought them in your home state or if not within your
home state within 100 miles of your current mailing address; and

b. The purchase price must have been more than $50.

However,  these  limitations  do  not  apply  if  the  merchant  is  owned  or
operated by the Credit Union, or if the Credit Union mailed you the
advertisement for the property or services.

Form #S-790 Rev. 12/15