P.O. Box 70Westby, WI 54667608.634.3118

P.O. Box 228Viroqua, WI 54665608.637.6200

P.O. Box 189Cashton, WI 54619608.654.7580

P.O. Box 110Richland Center, WI 53581608.647.8835

P.O. Box 550Reedsburg, WI 53959608.768.9228

wccucreditunion.coop

Helping you build a better life...

...feels so right!P.O. Box 190Lake Delton, WI 53940608.678.4000

P.O. Box 730Baraboo, WI 53913608.356.5500

P.O. Box 400Coon Valley, WI 54623608.452.2444

CREDIT CARD APPLICATION

6/20

CURRENT RATES: Ask us for the current Index Rate and APR. Upon approval of your credit application, we will notify you of the initial Index Rate, margin and APR for your account. The initial Index Rate will be determined as of the date your credit application is approved. An adjustment in the periodic rate and corresponding APR will apply both to outstanding balances of the account and to new purchases, cash advances and/or other charges. After you open a credit line, rate information will be provided on periodic statements that we will send you.CHANGES TO TERMS: We may change the terms and conditions of this Agreement by providing you at least 90 days’ prior written notice as permitted by Section 422.415 of the Wisconsin Statutes.MONTHLY PAYMENT: A statement will be mailed to you every month. You must pay the minimum payment within 25 days of the statement date. You can reduce your finance charge by paying more than the minimum payment. Any additional amount paid will reduce the balance, but will not prepay any future monthly payments. You can eliminate the finance charge by paying the new balance in full. A payment is applied to the finance charge first and then to the balance. If you exceed your credit limit, the minimum payment will be your monthly payment plus the total amount above your credit limit. Purchases and cash advances will be paid off in the order that they were added to your regular balance. If two or more transactions are added on the same day, your payment will be applied to the smaller first.DEFAULT: You will be in default if (1) you fail to make the minimum payment on time 2 times during any 12 month period or (2) your ability to repay us or the value to us of our security interest is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or insolvency proceedings involving you, your death, or your failure to abide by these regulations. If you default 3 times within 12 months and we notified you of the prior 2, and you do not cure your default within 15 days after we sent you a written default notice, we have the right to demand immediate payment of your full account balance.SECURITY INTEREST: Each purchase and cash advance through your account constitutes a loan made by WCCU to you in the State of Wisconsin. You agree that the Wisconsin Consumer Act applies to all these loans (except for the rate of finance charge which may be governed by federal law) even though you are a person not otherwise covered by the Act. To secure each purchase loan, you grant us a security interest under the Uniform Commercial Code in any goods you purchase with it. If you default, we still have the right to recover any of these goods which have not been fully paid for through our application of your payments in the manner described in the monthly payment section. You also agree to grant us a security interest in all funds now or hereafter in the WCCU deposit accounts that you have listed on the application (except any IRA), and if you default under the terms of this Agreement you authorize us to apply such funds to the payment of your credit card indebtedness. To the extent not prohibited by Wis. Stat. 422.417 or other provision of the Wisconsin Consumer Act, this Agreement is also secured by all existing and future security agreements between the Credit Union and any Borrower or any other person providing security for Borrower’s obligations. However, this Agreement is not secured by a Borrower’s dwelling.CREDITS: If those who honor your card give you credit for returns or adjustments, they will send us a credit slip which we will apply to your account. The credit will first be applied to your current purchases, and then to your previous balance. If the credit is for more than what you owe, we will hold it and apply it toward any future purchases and cash advances, or refund it with your written request if the credit amount is $1 or more. We will make an attempt to return any credit that remains in your account for more than 6 months. FOREIGN TRANSACTIONS: Purchases and cash advances you make in foreign currencies will be billed to you in U.S. dollars. The conversion to dollars will be made by the foreign plan member’s bank in accordance with the applicable MasterCard/VISA operating regulations for international transactions. An International Transaction Fee of up to 1% of the transaction amount will be assessed and will be shown independently of the transaction on your billing statement. PLAN MEMBER DISPUTES: We are not responsible for those who refuse to honor your card. You must resolve directly with the plan member any disputes regarding goods or services you purchase with the card, unless (a) your purchase was made in response to an advertisement WCCU sent or participated in sending you; or (b) your purchase amount was more than $50 and was made from a plan member in your state or within 100 miles of your home. UNAUTHORIZED USE: You may be liable for unauthorized use of the card. However, you will not be liable for unauthorized use which occurs after you notify us (see information below), orally or in writing of the loss, theft or possible unauthorized use of your card. In any case, your liability will not exceed $50.00, unless you are a business or other organization to which we have issued ten or more cards for use by your employees. Your consumer liability may be $0 for fraud, theft or loss of a MasterCard if you meet the following three rules as a condition of $0 liability: the activity involves a MasterCard, you have exercised reasonable care in safeguarding the MasterCard from risk or loss or theft, you have not reported two or more incidents of unauthorized use of the MasterCard within the preceding twelve months, the MasterCard account is in good standing, you are a natural person, and the MasterCard is not used primarily for business, commercial, or agricultural purposes. Your liability may be $0 for fraud, theft, or loss of consumer Visa card, unless you have been grossly negligent or have engaged in fraud. This $0 liability limit does not apply to commercial cards. Unauthorized use does not include use by a person to whom you have given authority to use the Account.ILLEGAL USE OF CARD: You, the cardholder, agree that you will not use your Card for any transaction that is illegal under applicable federal, state or local law. Cardholder agrees that illegal use of the card will be deemed an action of default and/or breach of contract and the cardholder’s account may be terminated at the Credit Union’s discretion. Cardholder further agrees, should illegal use occur, to waive any right to sue the Credit Union for such illegal use or any activity or indirectly related to it and additionally agrees to indemnify and hold the Credit Union harmless from any suits or other legal action or liability, resulting from such illegal use. The Credit Union reserves the right to decline to authorize any transaction that may possess an undue risk of illegal activity.EFFECT OF REGULATIONS: These regulations are the contract which applies to all transactions on your account even though the sales, cash advances or credit slips you sign may contain different terms. We may amend these regulations from time to time. Using the card thereafter will indicate that you have agreed to the amendments. To the extent the law permits, amendments will apply to your existing account balance as well as to any future transactions. No delay or omission in exercising any rights granted to us hereunder shall impair such rights or be construed to be a waiver thereof. No waiver whatsoever shall be valid unless signed in writing by us and then only to the extent set forth therein.The information about the costs of the card described in this application is accurate as of June 25, 2020. This information may have changed after that date. To find out what may have changed contact us by phone or mail to one of the addresses on the front of this brochure..

P.O. Box 128Prairie du Sac, WI 53578608.643.0006

A Variable APR, currently 7.75% as of June 25, 2020.

A Variable APR, currently 7.75% as of June 25, 2020.

Your APR for purchase transactions may vary. The rate is determined quarterly by adding 4.5% to the Prime Rate.**

25 Days

None

None

None

None

None

Up to $20.00

None

Average Daily Balances Including New Purchases

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Protection Bureau at http://www.consumerfinance.gov.learnmore

Annual Percentage Rate (APR) for Purchases

Other APRs Cash Advances & Balance Transfers

VARIABLE RATEINFORMATION

Grace Period for Purchases

Annual Fee

Cash Advance Fee

Balance Transfer Fee

Transaction Charge on Purchases

Minimum Advance Fee

Late Payment Fee

Over-The-Credit-Limit Fee

Method of Computing Balance for Purchases

For Credit Card Tips from the Consumer Financial Protection Bureau

Disclosures

*The information listed above is correct as of 6/25/20 and is subject to change at any time without prior notice. Please contact us to receive the most recent information.**The Prime Rate used to determine your APR is the rate published in the Money Rates section of The Wall Street Journal, Midwest Edition, on the 22nd

published day of the last month of each fiscal quarter.

WCCU CREDIT CARD REGULATIONS

RESPONSIBILITY: You agree to repay all debts and any finance charge and or any other fees or charges arising from the use of the card and the card account. You are responsible for charges made by yourself and anyone whom you give permission to use the card. Except to the extent allowed by law, you cannot disclaim responsibility by notifying us and it continues even through an agreement, divorce decree or other court judgement to which we are not a part may direct you or one of the other persons responsible with you for charges he or she makes, and if that person signs the card, and receives a copy of these regulations, he or she is also responsible for all charges on the account, including yours. FINANCE CHARGES: Your account will be subject to a finance charge during any statement period during which you (a) receive or had an outstanding cash advance, or (b) do not pay in full the beginning balance shown on the statement during the first 25 days of the statement period. The amount subject to interest is your average daily balance for the statement period. Your average daily balance is determined by adjusting your statement’s beginning balance (subtracting payments you make, adding credits we apply, adding purchases and cash advances applied during the statement period). Late payment charges assessed are not subject to finance charges. Any cash advances included in the new balance will continue to be subject to a finance charge until your payment is received.INDEX RATE AND LIMITATIONS: Your credit card account has a variable-rate feature, and the Annual Percentage Rate (“APR”) (corresponding to the periodic rate) and the minimum payment can change as a result. The periodic rate and APR may vary based on the value of the Index Rate. The Index Rate will be the highest U.S. prime rate of interest published in The Wall Street Journal, Midwest Edition, “Money Rates” table on the 22nd publishing day of the last month of each fiscal quarter (the “Index Rate”). A change in the Index Rate will take effect on the 22nd publishing day of the last month of each fiscal quarter. We may substitute a substantially similar index if we are no longer able to get access to the Index Rate noted above. The APR shall not exceed any maximum amount that may be designated by applicable law, rule, order, and/or regulation in effect from time to time, or be less than the Index Rate.VARIABLE INTEREST RATES AND EFFECTS: The APR for all credit accounts made under this Agreement will be the sum of the Index Rate in effect for the statement period, plus a margin. The margin is 4.5% and is subject to change by the Credit Union from time to time in its discretion. Assuming the other variables remain constant, the APR will increase if the Index Rate increases. An increase or decrease in the daily periodic rate and the APR will result in a corresponding increase or decrease in the minimum monthly payment.

For WCCU Office Use:Approved for $_____________________________ credit line.

By: __________________________________Date ________

Comments: ____________________________________

Credit Line Desired:

$500 $1,000 $2,500

$5,000 $10,000 Other___________

Check One: Individual Joint

Applicant’s Signature

Joint Applicant’s Signature (if joint applicant is not your spouse, a separate application is needed)

Number of Cards Requested __________Other authorized users and relationship to applicant:_________________________________________________________________________________________________________________________________________________________________________________

Marital Status: If you live in a community property state (such as Wisconsin), indicate your marital status (check one):

Married Unmarried Legally Separated

NOTICE TO MARRIED APPLICANTS: No provision of a marital property agreement, a unilateral statement under Wis. Stat. sec. 766.59 or a court decree under Wis. Stat. sec. 766.70 adversely affects the interests of the credit union unless prior to the time the credit is extended, the credit union is furnished with a copy of the agreement, statement or decreee, or has actual knowledge of the adverse provision when the obligation to the credit union was incurred.

Do you have any accounts at WCCU?____________________

If Yes, list your account number(s): ________________________ __________________________ ________________________ __________________________Before signing this application, read the SECURITY INTEREST Section of the regulations listed on the back of this application. With this application you must submit income verification (a copy of your most recent paystub, W-2 form, or tax return).

WCCU MEMBER CREDIT CARD APPLICATIONCheck One: APPLICANT CO-APPLICANT

Name

Social Security Number/Tax Id # Date of Birth (MM/DD/YYYY)

Phone Number Age of Dependents

Home Street Address

City State Zip Code How Long?

Previous Home Street Address (if under 2 years at present address)

City State Zip Code How Long?

Current Employer How Long

City, State Business Phone

Gross Monthly Income Position

Previous Employer How Long

City, State Business Phone Position

Name of nearest relative not living with you Relationship

Address

City State Zip CodeOther Income: $_________ Source: _________________(Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.)

Checking Institution Name & Location Average Balance

Savings Institution Name & Location Balance

Investment (specify) Market Value

Other Assets (specify) Market Value

Automobile(s) - list year, make & model Value

Financed At Owe

BY SUBMITTING THIS APPLICATION The individuals (“you”) signing below acknowledge and agree to all the Terms and Conditions set forth in this application, (front and back) and sent to you upon card issuance. You also certify that you have the authority to make this application for the business listed and all information and documents submitted are verifiable and accurate. You understand that the creditor may ask for additional identifying documents from you and the business to assist with credit decisions and cooperate with the US Patriot Act. You authorize the creditor to obtain your personal credit report and to provide credit information to credit bureaus about you if applicable. When you are in default and after expiration of any legal right to cure your default, Westby Co-op Credit Union (WCCU) has the right to apply your shares, and/or deposits toward what you owe.

Check One: MasterCard VISASPOUSE INFORMATION(Must be completed even though your spouse may not be a joint applicant)

Name

Social Security/Tax ID # Date of Birth (MM/DD/YYYY)

Phone Number Age of Dependents

Current Employer Gross Month Income

Business Phone City, State

Position How Long

Previous Employer City, State

Business Phone Position How Long

Check One: Own Home Rent Other: _________

Landlord/Mortgage Holder Monthly Pymt/Rent

Mortgage Balance Market Value

List ALL other debts (if applicable) along with Name, Balance & Monthly Payment: _____________________________________________________________________________________________________________________________________________________________________________________________________________________________________

I/we certify that this information has been supplied truthfully, accurately and voluntarily, and therefore authorize WCCU to investigate our creditworthiness, credit history and financial responsiblitity through any credit bureau or by any other reasonable means. WCCU may release information about its credit expe-rience with me/us. I/we understand that granting a security interest is a condi-tion for the credit card and I/we give you a securtiy interst in all funds now or thereafter in thte WCCU deposit accounts listed on this application (expcet and IRA), and if I/we default under the terms of this Agreement I/we authorize you to apply such funds to the payment of the credit card indebtedness. I/we agree to abide by the WCCU terms, conditions, and operating procedures gov-erning credit card accounts, as detailed on the back of this applicaition.

Applicant(s) Signature Date

Spouse Signature (Required if listed as Joint Applicant) Date

If your spouse is not a Joint Applicant: I certify that the credit being applied for, if granted, will be incurred or obtained during marriage and will be in the interest of the marriage or family. This statement is made in accordance with Wis. stat. sec. 766.55(1).

Applicant/Co-Applicant’s Signature DateIf this section applies, we are required to notify your spouse by mail if loan is granted.