CREDIT CARD AGREEMENT

In this Agreement the words you and your mean each and all of those who sign this Agreement. Card means a MasterCard credit card and any duplicates and renewals
the Credit Union issues. Account means your MasterCard credit card line of credit account with the Credit Union. Credit Union means the Credit Union whose name appears in this Agreement.

1. Using the Account. If you are approved for a MasterCard account, the Credit Union will establish a line of credit for you and notify you of its amount when the card is sent to you. You agree not to let your account balance exceed your approved credit limit. Each payment you make on the account will restore your credit limit by the amount of the payment which is applied to the principal amount of purchases and cash advances. You may request an increase in your credit limit only by written application which is approved by the Credit Union. The Credit Union has the right to reduce or terminate your credit limit at any time.

2. Using the Card. You may use the card issued to you to make purchases in person, and by mail or telephone from merchants and others who accept MasterCard cards. In addition,  you may obtain cash advances from the Credit Union, from other financial institutions participating in the MasterCard program and from automated teller machines (ATMs), such as MasterCard ATM Network, that provide access to the MasterCard system. (Not all ATMs provide such access.) You will need to use your Personal Identification Number (PIN) to obtain a cash advance from an ATM.

3. Responsibility. You agree to pay all charges (purchases and cash advances) to your account made by you and anyone whom you authorize to use your account. Your obligation to pay the amount owed on your account continues until paid in full even though an agreement, divorce decree or other court judgment to which the Credit
Union is not a party may direct someone else to pay the account balance. If more than one person signs this Agreement, each is individually responsible for all amounts owed on the account and all are jointly responsible for all amounts owed. This means the Credit Union can enforce this Agreement against any of you individually or all of you together.

4. Finance Charges. In order to avoid a finance charge on purchases made since your last statement date, you must pay the Total New Balance shown on your statement within 25  days of the statement closing date. Otherwise finance charge on purchases is calculated from the beginning of the next statement period on previously billed but unpaid purchases and on new purchases from the date they are posted to your account. Cash advances are always subject to finance charge from the date they are posted to your account. The finance charge (interest) on purchases and cash advances is calculated at the periodic rate of .0243836% per month is an ANNUAL PERCENTAGE RATE of 8.9%. Separate finance charges for purchases and cash advances are determined by multiplying the periodic rate by the separate average daily balances for purchases and cash advances. Each average daily balance is determined by taking the beginning balance (of cash advances or purchases) in your account each day, adding any new purchases or cash advances (whichever is applicable) and subtracting any payments or credits. The results are the daily balances. All the daily balances for the statement cycle are added and the total is divided by the number of days in the statement cycle to arrive at the average daily balance for the cycle.

5. Other Charges. The following other charges will be added to your account, as applicable, and a Late Fee of $25.00.

6. Monthly Payment. Each month you must pay at least the minimum payment shown on your statement within 25 days of the statement closing date. You may, of course, pay more frequently, pay more than the minimum payment, or pay the Total New Balance in full. If you make extra payments or larger payments, you are still required to make at least the minimum payment each month your account has a balance. The minimum payment is 4% of your Total New Balance but not less than $20.00, plus the amount of any prior minimum payments that you have not paid. In addition, at any time your Total New Balance exceeds your credit limit, you must immediately pay the excess upon demand.

7. Security Interest. If you give the Credit Union a specific pledge of shares by signing a separate pledge of shares for this account, your account will be secured by your pledged shares.

8. Default. You will be in default if you fail to make any minimum payment or other required payment by the date that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy or  become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or misleading statements in any credit application or credit update. You will also be in default if something happens which the Credit Union believes may substantially reduce your ability to repay what you owe. You will continue to pay finance charge, at the periodic rate charged before default, until what you owe has been paid, and any shares that were given as security will be applied towards what you owe. To the extent permitted by law, you will also be required to pay the Credit Union’s collection expenses, including court costs and reasonable attorney’s fees.

IN ADDITION, IN THE EVENT OF DEFAULT, AND UPON NOTICE AND EXPIRATION OF ANY RIGHT TO CURE, IF REQUIRED BY WIS. STATS., SEC. 425.105, WE MAY SET OFF ANY AMOUNT OF THE UNPAID BALANCE OF THE AGREEMENT, INCLUDING INTEREST, COSTS, AND EXPENSES, AGAINST ANY SHARES, DEPOSITS, SHARE CERTIFICATES, (CERTIFICATES OF DEPOSIT), OR OTHER ACCOUNTS (EXCEPT SHARES, SHARE CERTIFICAT5ES (CERTIFICATES OF DEPOSIT),DEPOSITS AND ACCOUNTS, THE INTEREST ON WHICH IS EXEMPT FROM FEDERAL INCOME TAX)
NOW OR HEREAFTER HELD IN THE CREDIT UNION BY BORROWER AND AVIALABLE TO PAY OBLIGATIONS UNDER THE AGREEMENT.

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.

9. Liability for Unauthorized Use. 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 the Credit Union orally or in writing, of the loss, theft, or possible unauthorized use. In any case, your liability will not exceed $50.

10. Lost Card Notification. If you believe your credit card has been lost or stolen, immediately inform the Credit Union by calling 1-877-330-3328.

11. Changing or Terminating Your Account. The Credit Union may change the terms of this Agreement form time to time after giving you any advance notice required by law. Your use of the card after receiving notice of a change will indicate your agreement to the change. To the extent the law permits, and indicated in the notice to you, the change will apply to your existing account balance as well as to future transactions.

12. Credit Information. You authorize the Credit Union to investigate you credit standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your account to credit bureaus and creditors who inquire about your credit standing.

13. Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your credits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and cash advances. If the amount is $1 or more, it will be refunded upon your written request or automatically after six months.

14. Foreign Transactions. Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The conversion rate to dollars will be made in accordance with the operating regulations for international transactions established by MasterCard International, Inc.

15. Merchant Disputes. The Credit Union is not responsible for the refusal of any merchant or financial institution to honor the card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction form the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50 and was made in your state or within 100 miles of your home.

16. Effect of Agreement. This Agreement is the contract which applies to all transactions on your account even though the sales, cash advances, credit or other slips you sign or receive may contain different terms.

17. No Waiver. The Credit Union can delay enforcing any of its rights any number of times without losing them.

18. Statements and Notices. Statements and notices will be mailed to you at the most recent address you have given the Credit Union. Notice sent to any one of you will
be considered notice to all.

19. Copy Received. You acknowledge that you have received a copy of this statement.

20. Collateral. X Any money you have on deposit with the Credit Union at the time of  default, unless explicitly disclaimed by the Credit Union.X Collateral securing other loans with the Credit Union may also secure this loan.

Interest Rates and Interest Charges

8.90% APR for purchases, cash advances, and balance transfers.
With a convenient 25 day grace period.
Now you can avoid annual percentage rate (APR)
interest charges altogether by paying in full by the due
date or make the minimum payment upon receipt of
your statement at Forward Financial Credit Union’s
affordably low interest rate.
Easy to apply instructions:

Read the Master Card Agreement/Disclosure and your
Billing Rights which are part of the application form.
In ink, print clearly and complete the MasterCard
Application. Be sure that all pertinent sections have
been completed.

To avoid processing delays:
Be sure to indicate whether you are applying for a
Separate or Joint Account.

If you are married, but applying for a Separate
Account, and reside in a Marital Property or
Community Property State, you’re required to complete
the Spouse Section.

DETACH Agreement and save for your records. Address
envelope and mail to:
Forward Financial Credit Union
P.O. Box 48
Niagara, WI 54151
If you have any questions, please feel free to contact our
MasterCard services at 715-251-4546, Monday through
business hours.

Accepted at home and abroad:
Whether you shop locally or around the world, your
Forward Financial Credit Union MasterCard is one of
the most widely accepted, at over 3,000,000 leading
restaurants, hotels motels, fine stores and all major
airlines and car rental companies.

Accepted at home and abroad:
Your Forward Financial Credit Union MasterCard is
ideal for single credit card purchases, but you can also
get an “instant” lump sum amount of cash with your
Credit Union MasterCard. Lump sum cash advances
are available at our office or most other financial

Paying higher interest rates?
Consolidate your existing credit card balances at higher
interest rates. Consolidating your bills on your
MasterCard, at a lower interest rate, will save you
money, time and worry. Let our representatives help
you get away form paying too much for less.

For Credit Card Tips from the Federal
Reserve Board
To learn more about factors to consider when applying
for or using a credit card, visit the web site of the
Federal Reserve Board at
http://www.consumerfinance.gov/learnmore


Over-the-Credit-Limit fee: N/A                                  Returned Payment fee: NONE
How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases), * An explanation of this method
is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in you account agreement
The information about the costs of the card described in this application is accurate as of June, 2010. This information may have changed after that date.
To find out what may have changed call us at 1-715-251-4546 or write us at Forward Financial Credit Union, P.O. Box 48, Niagara, WI 54151.

SUMMARY OF INSURANCE COVERAGES

IMPORTANT INFORMATION ON CHARGEGARD LIMITATIONS, EXCLUSIONS, COSTS: Upon acceptance of your enrollment, you will receive your certificates and/or policies indicating your effective date.

Eligibility, restrictions and exclusions vary by coverage and state. Read your certificates and/or policies carefully for full details. If you have other insurance that covers the same risks as described, you may notneed or want to purchase this insurance. This credit insurance is optional. You are not required to purchase the insurance to obtain credit.

You are free to cancel anytime. Premium rates are subject to change. Rates disclosed are accurate as of the printing date of this disclosure. The underwriters referenced below reserve the right to modify the terms and conditions of the insurance certificates and/or policies upon written notice and subject to state regulations.

COVERAGE IS NOT AVAILABLE IN: KY & MN LIFE, DISABILITY, UNEMPLOYMENT AND LEAVE OF ABSENCE COVERAGES APPLY ONLY TO THE PERSON WHOSE NAME APPEARS FIRST ON THE ACCOUNT. LIFE COVERAGE: If you die, Chargegard will pay to the Creditor the outstanding account balance as of the date of death, up to the master policy maximum of $10,000. Suicide is excluded except in MD & MO. Life coverage is replaced with Accidental Death coverage at age 66 in IA. Life is not available in TX.

DISABILITY: If you become totally disabled, Chargegard will pay to the Creditor your scheduled minimum monthly payment due on your account on the date of loss. Benefits begin after 30 consecutive days of disability and are retroactive to the first day of loss. In MA, Chargegard will pay to the Creditor your scheduled minimum monthly payments. Disability coverage is not retroactive in MA. Benefits will continue until your balance on the date of loss is paid off, you return to work, you are no longer disabled, or you reach the master policy maximum of $10,000, whichever occurs first. In GA and SD, you are eligible for coverage if employed full-time in a nonseasonal occupation; in NY if employed 30 hours a week and not a partnership, corporation or association. Disability benefits are not payable for self-inflicted injury (except in AL, GA, IA, MD & SD); flight in nonscheduled aircraft in MA & PA; war or foreign travel or foreign residence in MA; normal pregnancy in CA & PA. Disability is not available in TX.

UNEMPLOYMENT COVERAGE: If you become involuntarily unemployed, Chargegard will pay to the Creditor your scheduled minimum monthly payment due on your account as of the date of loss, until your balance is paid off, you return to work, or you reach the $10,000 master policy maximum, whichever occurs first. In MA & TX, you are eligible for coverage if you are employed for 90 days at least 30 hours a week in a nonseasonal occupation for the same employer, and are not self employed, an independent contractor or a controlling stockholder of your employer; in IA & GA if employed full-time in a nonseasonal occupation; in NY if actively employed by someone else and employed in a nonseasonal occupation. Benefits begin after 30 consecutive days of unemployment and are retroactive to the first day of loss.

Unemployment benefits are limited to 12 months in PA. Unemployment excludes discharge for cause (except in AL, AZ, GA, IA, NY, PA, SC & SD); willful or criminal misconduct in AZ, CO, MD, MA, MO, NY &
TX; forbidden acts, violation of established policies or neglect of duty in MA, MO & TX; being notified either orally or in writing of pending unemployment in MA & TX; normal seasonal unemployment in MA & TX; strike, lockout or illegal walkout in NY. Unemployment coverage is not available in ND & NE.

LEAVE OF ABSENCE: If you take an employer-approved unpaid leave of absence from work due to: accident or illness of an immediate family member; childbirth / adoption; recall to active military service; residing in a federally-declared disaster area; placement of a foster child in your home (in NC only); or petit or grand jury duty (in NC only), Chargegard will pay to the Creditor your scheduled minimum monthly payment based on the outstanding balance as of the date of leave until your balance is paid off, you return to work, or you reach the $10,000 master policy maximum, whichever occurs first. Benefits begin after 30 consecutive days of leave and are retroactive to the first day of leave. In AL, CO, GA, IA, MD, MA & SD, you are eligible for this coverage if employed full-time, in a non-seasonal occupation and are not selfemployed.

Benefit payments do not apply to leave during the first 90 days of coverage (except in KS, MD, & OR). The number of monthly benefits payments for leave of absence are limited to 6 months in AL, CO, GA, IA, MA & SD; 9 months in OR; 18 months in MD. Leave of Absence coverage is not available in CA, FL, MO, NV, ND, NY, PA, TX & VA.
GENERAL PROVISIONS: Maximum enrollment age in all states is 70, except 65 in CO, IA, MA, NY & PA; 69 in AL, AZ, GA & SD; 71 in NM. No maximum enrollment age in TX. Coverage terminates in all states at age 71, except 66 in CO, MA, NY & PA; 70 in AZ; 72 in NM. No termination age in AL, FL, IA, GA, SD & TX.

COST PER $100 PER MONTH: 65.7¢ in AK; 76.7¢ in AL; 91.4¢ in AR; 71.1¢ in AZ; 46.9¢ in CA; 43.6¢ in CO; 83.8¢ in CT; 85.7¢ in DC; 89¢ in DE; 59.5¢ in FL; 79.7¢ in GA; 72.5¢ in HI; 86.4¢ in ID; 73.7¢ in IA; 82.9¢ in IL; 67.6¢ in IN; 85.6¢ in KS; 96.4¢ in LA; 65.9¢ in ME; 41.9¢ in MD; 45.6¢ in MA; 82.3¢ in MI; 53¢ in MO; $1.068 in MS; 81¢ in MT; 69.8¢ in NH; 70.4¢ in NJ; 67.2¢ in NM; 29.2¢ in NV; 22.4¢ in NY; 56.8¢ in NC; 23.9¢ in ND; 46.2¢ in NE; 72.9¢ in OH; 86.1¢ in OK; 68.9¢ in OR; 33¢ in PA; 77.9¢ in RI; 82.2¢ in SC; 82¢ in SD; 88.2¢ in TN; 19¢ in TX; 80.1¢ in UT; 26.1¢ in VA; 63.6¢ in VT; .68.1¢ in WI; 89¢ in WV; 75.4¢ in WA; 86¢ in WY. The cost of credit insurance will be financed at the rate specified in your agreement with the creditor.

Coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC), American Bankers Insurance Company of Florida (ABIC) and American Reliable Insurance Company (ARIC), 11222 Quail Roost Drive, Miami, FL 33157-6596. In TX unemployment under ABIC certificate number AD9139CQ-0499. In CA, life and disability coverage provided by ABLAC and ARIC provides remaining coverages described above. Coverage for life and disability is provided under form numbers AE2415PL-0999 and AC2099CB-0707. In FL, MI and VA, coverage for life and disability are provided under ABLAC policy form numbers AC3755PQ-0897, AC3757EQ-0297 and AC3892EQ-0408. In MI coverage for life and disability are provided under ABLAC certificate numbers B3576CQ-0997, AC3759EQ-0297 and AC3890EQ-0997. Ana Aguila is the licensed agent for the states of FL, ND & WV. In New York, credit life and credit disability coverage is underwritten by Union Security Life Insurance Company of New York, Fayetteville, NY.

Credit life and credit disability coverages are provided under form numbers UL2000PL-0707 & UL2022PD-0707. Coverages are only available as a package. If you cancel within 30 days of receiving your certificate, we will refund your premium. Insurance and cost disclosures are accurate as of the printing date. The creditor has a financial interest in the sale of this insurance. If you have questions or want to file a claim, you should contact us, toll-free, at 1-800-859-0490 between 8:00 a.m. and 8:00 p.m., Eastern Time, Monday through Friday, except for federal holidays. Written correspondence and other documents should be sent via U.S. mail to: DFS Claims Department, P.O. Box 977122, Miami, FL 33197-7122.

This insurance product is not a deposit, nor is it insured or guaranteed by the FDIC, institution, or any Federal Government Agency. We may not condition your extension of credit on either: your purchase of an insurance product from us or our affiliates, your agreement not to obtain insurance from an unaffiliated entity, or a prohibition on your obtaining insurance from an unaffiliated entity. AR, LA, ME, NM, OH, TN & VA residents: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and may subject such person to criminal and substantial civil penalties. (VA residents; this notice is not applicable to life and health insurance). DC residents: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.

FL residents: Any person who knowingly and with intent to injure, defraud or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree.

MD residents: Any person who knowingly and willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly and willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. NJ residents: Any person who includes false or misleading information on an application for insurance policy is subject to criminal and civil penalties.

PA residents: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties. WA residents: It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits. 01/10

CREDIT INSURANCE PRE-PURCHASE DISCLOSURE This disclosure is required by MA law. You may purchase optional credit life insurance and credit disability insurance.

CREDIT LIFE INSURANCE: If you die while coverage is in force, we will pay the outstanding balance of your loan to the creditor. We will not pay a life benefit in the first 2 years if you die as a result of suicide.

CREDIT DISABILITY COVERAGE: If you become disabled while this coverage is in force, we will pay up to your minimum monthly payment, as of the date of your disability, to the creditor. We will not pay benefits if your disability is the result of war, a self-inflicted injury, flight in nonscheduled aircraft, foreign travel or foreign residence. You must send proof of disability within 90 days. There is a 30 day waiting period. You are eligible for this coverage if you work 30 hours a week, are in a non-seasonal occupation and meet the age criteria below.

GENERAL: See certificate of insurance for specific definitions. You are eligible for optional credit life insurance and credit disability insurance if you are between 18 and 65 years of age. Coverage will expire on your 66th birthday. The maximum benefit is $10,000. You may cancel this coverage at any time. All unearned premiums will be credited to your account by the actuarial method for life coverage and by the prorate rule for disability coverage. The premium rate for the credit life and credit disability insurance is $0.146 per $100 of monthly outstanding balance. These coverages can only be purchased as a package.

If other insurance exists that covers this risk or that may cover this risk, one may not want or need this coverage.