In order to establish credit with Northern Star Cooperative Services, the information requested below must be provided in its entirety. Please take a few minutes to complete this form. We cannot begin service until this and all required forms are returned to our office.

Privacy Disclosure: Individual privacy is very important, so Northern Star Cooperative Services will only collect and use information needed to offer and fulfill its business purposes. Northern Star Cooperative will retain only what is needed to maintain its relationship with the individual. This means Northern Star Cooperative will not disclose information for an unrelated purpose without the consent of the individual or by authority of law.

I/We give this information for the purpose of obtaining credit and certify that the above information is true and correct. Authorization is hereby given to check credit. If approved, I/we agree to make payments to Northern Star Cooperative Services according to their terms. No further delivery or service will be provided until the previous balance is paid in full. It is further agreed that a late payment charge on the unpaid balance will be applied on accounts not paid within 30 day, and I/we will pay any and all costs to collect on the account including, but not limited to, the attorney fees. It is understood that delinquent account(s) will have their credit suspended. I further acknowledge that I have read, understand, and agree to the terms and conditions of credit listed in the Northern Star Cooperative Credit Policy.

Personal Guarantee

(This form must be completed to be eligible for patronage dividends)

(To be completed by all business applicants.)

Each of the undersigned hereby guarantees full payment of all present and future indebtedness of the applicant. This guarantee is open and continuous and is given in induce Northern Star Cooperative, hereafter “The Cooperative,” to extend credit to the applicant. This personal guarantee shall remain effective until evoked by the undersigned by notice in writing to The Cooperative. However, such a revocation shall be effective only as to amounts due which arise out of new contracts or transactions entered into more than 30 days after receipt of notice by The Cooperative. Such notice must be given by certified mail to The Cooperative. At any time, The Cooperative may, without notice, extend credit to applicant or modify, renew, extend, or compromise any indebtedness; take, subordinate or release any security interests; release applicant or any other guarantor from any liability for indebtedness and otherwise deal with applicant and other guarantors in any manner deemed fit, without waiving the effectiveness of this personal guaranty. Each guarantor waives presentment, demand, protests, and notice of any kind. If any guarantor, without first proceeding against the applicant, or any other person or security, and without pursuing any other remedy. In any proceeding to interpret or enforce this personal guaranty, The Cooperative shall be entitled to recover all of its costs and attorney fees from any personal guarantor. All notices regarding this personal guarantee must be sent to Northern Star Cooperative Services, P.O. Box 458, Deer River, MN 56636. Each guarantor hereby consents to the jurisdiction of the Court of the State of Minnesota, County of Itasca, and the U.S. District for the District of Minnesota.

The Federal Truth in Lending Act requires all businesses, including your NORTHERN STAR COOPERATIVE SERVICES, to disclose credit terms to the customers in a uniform manner. Your Board of Directors have adopted the following credit policy.

A. Purchases will be billed monthly. B. Billing cycle closing date is the end of each month. C. Itemized statement will be mailed or emailed. D. Payment in full is due by the last day of the month following the month that the item was purchased in. E. If account is not paid in full by the due date, the past due amount will be assessed 1.5% per month finance charges (18% A.P.R F. If the balance becomes 60 days past due, your charging privileges may be withdrawn unless arrangements are made with our credit manager.

A. Minimum delivery for LP gas is 200 gallons. Orders of less than 200 gallons of LP gas and who are not on scheduled delivery, will be charged 30 cents a gallon more than the regular price. B. Accounts that are not authorized to charge must make payment in one of our offices prior to delivery. Our office hours are Monday through Friday, 8:00 A.M. through 4:30 P.M. C. Delivery and mileage charges will be applied for same day, weekend or holiday deliveries.

A. Can be used for gas, fuel and C Store purchases. B. Patron applies, if approved, card is given C. Credit terms are the same as open account. D. No fee-Safety features if lost.

VI. ACCOUNTS PAST DUE (PROCEDURE)

III.CENEX CONVENIENCE CREDIT CARD

A. Application must be approved by Cenex Corporation. B. Card and instructions issued by Cenex. C. Monthly billing from Cenex, not Northern Star Co-op. D. If total is $450.00 or greater, Cenex authorization is required. E. No fee-We also accept Visa, Mastercard, Discover, American Express, Diners Club.

A. Patron will receive a phone call. B. If no response, Patron will receive a "Reminder Letter". C. If no payment or arrangements have been made, charging privileges will be withdrawn and a "Final Letter" will be sent. D. All costs of court collection will be added to the delinquent account balance. D. To prevent this let us know if there is a problem. We want to work with you. Main office (218) 246-8296

A.This plan is available for heating accounts. Offering a fixed monthly payment. Payment is based upon your estimated annual usage. Open enrollment is June 1st thru September 1st.

A. $30.00 service charge will be assessed on each NSF check. B. We will pursue legal action through sheriff's office. C. If we must, we will pursue a legal remedy through the court and collection systems.

Our credit policy is a benefit and convenience to our qualified patrons. The policy applies to all patrons, employees, and the Board of Directors. We thank you for your business and support. If you ever have any questions, comments or concerns, please let us know.

Respectfully, Board of Directors, Northern Star Cooperative Services