b'CREDIT CARD ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\n8805 University Boulevard\nMoon Township, PA 15108\n\nTHIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING\nDISCLOSURE STATEMENTS, PLATINUM MASTERCARD\xc2\xae, PREMIUM WORLD\xe2\x84\xa2 MASTERCARD\xc2\xae, AND SECURED\nPLATINUM MASTERCARD\xc2\xae AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR\nPLATINUM MASTERCARD\xc2\xae, PREMIUM WORLD\xe2\x84\xa2 MASTERCARD\xc2\xae, AND SECURED PLATINUM MASTERCARD\xc2\xae\nCREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS\nAGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nFor Purchases\n\nPlatinum Mastercard\xc2\xae: ________%\nYour APR will vary with the market based on the Prime Rate.\nPremium World\xe2\x84\xa2 Mastercard\xc2\xae: ________% Introductory APR for 12 billing cycles.\nAfter that Your APR will be ________%.\nYour APR will vary with the market based on the Prime Rate.\nSecured Platinum Mastercard\xc2\xae: ________%\nYour APR will vary with the market based on the Prime Rate.\n\nAnnual Percentage Rate (APR)\nFor Balance Transfers\n\nPlatinum Mastercard\xc2\xae: __________%\nYour APR will vary with the market based on the Prime Rate.\nPremium World\xe2\x84\xa2 Mastercard\xc2\xae: __________%\nYour APR will vary with the market based on the Prime Rate.\nSecured Platinum Mastercard\xc2\xae: __________%\nYour APR will vary with the market based on the Prime Rate.\n\nAnnual Percentage Rate (APR)\nFor Cash Advances\n\nPlatinum Mastercard\xc2\xae: ________%\nYour APR will vary with the market based on the Prime Rate.\nPremium World\xe2\x84\xa2 Mastercard\xc2\xae: ________%\nYour APR will vary with the market based on the Prime Rate.\nSecured Platinum Mastercard\xc2\xae: ________%\nYour APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each\nmonth within 25 days from Your statement closing date. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a Credit Card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nBalance Transfer\nCash Advance\nForeign Transaction\n\n4.00% of each transfer\n3.00% of each advance.\nUp to 2.00% of each foreign currency transaction in U.S. Dollars.\nUp to 2.00% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\xef\x82\xb7 Returned Payment\n\nUp to $35.00\nUp to $35.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nCopyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.\n\nPage 1 of 4\n\nOTBS 016CC-Variable FRB_Web CLEA (4/21)\n\n\x0cDEFINITIONS. In this Agreement, the references to "We," "Us," "Our" and "Credit Union" mean Clearview Federal Credit Union. The words "You" and "Your" mean each person\nwho accepts this Agreement or uses the Platinum Mastercard \xc2\xae, Premium World\xe2\x84\xa2 Mastercard\xc2\xae, and Secured Platinum Mastercard\xc2\xae Credit Card(s). The words "Card" and\n"Credit Card" mean the Platinum Mastercard\xc2\xae, Premium World\xe2\x84\xa2 Mastercard\xc2\xae, and Secured Platinum Mastercard\xc2\xae Credit Card issued to You by Us and any duplicates or\nrenewals. "Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time. If this is a joint Account, read singular pronouns\nin the plural.\nPROMISE TO PAY. You, as the Borrower, under a Credit Card Agreement ("Account"), understand that the following terms and conditions constitute Our Agreement with You.\nYour Account may be accessible through a variety of means which could include advance request forms, vouchers, checks, charge slips, convenience checks, Credit Cards\nand the like. Regardless of the access means, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual,\napparent or implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.\n\nVariable Rate\nCredit Card\nPlatinum Mastercard\xc2\xae\n\nIndex\n\nMargin\n\nMonthly Periodic Rate\nfor Purchases\n\nANNUAL PERCENTAGE RATE\nfor Purchases\n\n__________%\n\n__________%\n\n__________%\n\n__________%\n\nPremium World\xe2\x84\xa2\n\nMastercard\xc2\xae\n\n__________%\n\n__________%\n\n__________%\n\n__________%\n\nSecured Platinum\n\nMastercard\xc2\xae\n\n__________%\n\n__________%\n\n__________%\n\n__________%\n\nVariable Rate\nIndex\n\nMargin\n\nMonthly Periodic Rate\nfor Balance Transfers\n\nANNUAL PERCENTAGE RATE\nfor Balance Transfers\n\nPlatinum Mastercard\xc2\xae\n\n__________%\n\n__________%\n\n__________%\n\n__________%\n\nPremium World\xe2\x84\xa2 Mastercard\xc2\xae\n\n__________%\n\n__________%\n\n__________%\n\n__________%\n\nSecured Platinum Mastercard\xc2\xae\n\n__________%\n\n__________%\n\n__________%\n\n__________%\n\nCredit Card\n\nVariable Rate\nCredit Card\nPlatinum Mastercard\xc2\xae\n\nIndex\n\nMargin\n\nMonthly Periodic Rate\nfor Cash Advances\n\nANNUAL PERCENTAGE RATE\nfor Cash Advances\n\n__________%\n\n__________%\n\n__________%\n\n__________%\n\nPremium World\xe2\x84\xa2\n\nMastercard\xc2\xae\n\n__________%\n\n__________%\n\n__________%\n\n__________%\n\nSecured Platinum\n\nMastercard\xc2\xae\n\n__________%\n\n__________%\n\n__________%\n\n__________%\n\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any\nplace that it is honored and to get cash advances at participating financial institutions.\nYou agree not to use Your Card for illegal transactions including, but not limited to,\nadvances made for the purpose of gambling and/or wagering where such practices\nare in violation of applicable state and/or federal law.\nSECURITY. You acknowledge that You own any shares and/or collateral pledged as\nsecurity and that there are no other liens against them other than Ours. You agree\nto perform all acts which are necessary to make Our security interest in the shares\nand/or collateral being pledged enforceable.\nOTHER SECURITY. Collateral (other than household goods or any dwelling) given\nas security under this Agreement or for any other loan You may have with Us will\nsecure all amounts You owe Us now and in the future if that status is reflected in the\n"Truth-In-Lending Disclosure" in any particular Agreement evidencing such debt.\nLIEN ON SHARES. You grant and consent to a lien on Your shares with\nUs (except for IRA and Keogh accounts) and any dividends due or to\nbecome due to You from Us to the extent You owe on any unpaid Credit\nCard balance.\nACCOUNT RESTRICTIONS. In order to receive and maintain a Secured Platinum\nMastercard\xc2\xae Credit Card, You agree to give Us a specific pledge of shares which\nwill equal Your approved Credit Limit. In the event that You default on Your Account,\nWe may apply these shares toward the repayment of any amount owed on Your\nSecured Platinum Mastercard\xc2\xae Credit Card. You may cancel Your Secured Platinum\nMastercard\xc2\xae Credit Card at any time by paying any amounts owed on such Account.\nTo be certain that Your entire balance and all advances are paid, any shares pledged\nmay not be available to You for 30 days after You have cancelled and any\noutstanding balance is paid in full.\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each\nCredit Card for which You are approved. Unless You are in default, any Credit Limits\nestablished for You will generally be self-replenishing as You make payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You\nunderstand that We may decline any transaction that would exceed that Credit\nLimit. In addition, You will pay any amount over Your Credit Limit on Our demand\nwhether or not We authorize the advances which caused You to exceed Your\nCredit Limit. Even if Your unpaid balance is less than Your Credit Limit, You will\nCopyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.\n\nhave no credit available during any time that any aspect of Your Account is\nin default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the\nrepayment of any amounts owed. If any Account access device, such as a Personal\nIdentification Number (PIN) is requested and approved, You understand that any\nsuch Account access device(s) will be mailed only to the primary Borrower at the\naddress that We have on file for You. We may refuse to follow any instructions which\nrun counter to this provision.\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need\nonly pay the Minimum Monthly Payments, You understand that You have the right\nto repay at any time without penalty. You also understand that You will only be\ncharged periodic Finance Charges to the date You repay Your entire balance. You\nmay make larger payments without penalty. Any partial payment or prepayment\nwill not delay Your next scheduled payment. All payments to Us must be in lawful\nmoney of the United States. Unless instructed otherwise, We may apply each\npayment to whichever Card We wish. Except as required by law, the order in which\nWe may apply payments is at Our discretion.\nAny unpaid portion of the Finance Charge will be paid by subsequent payments and\nwill not be added to Your principal balance. You understand that any delay in the\nrepayment of Your unpaid balance will increase Your periodic Finance Charges and\nany acceleration in the repayment of Your unpaid balance will decrease Your\nperiodic Finance Charges.\nPlatinum Mastercard\xc2\xae, Premium World\xe2\x84\xa2 Mastercard\xc2\xae, and Secured Platinum\nMastercard\xc2\xae Minimum Payments will be an amount equal to 2.00% of Your new unpaid\nPlatinum Mastercard\xc2\xae, Premium World\xe2\x84\xa2 Mastercard\xc2\xae, or Secured Platinum\nMastercard\xc2\xae balance at the end of each billing cycle, subject to the lesser of $20.00 or\nYour balance, plus any portion of the Minimum Payments shown on prior statement(s)\nwhich remains unpaid, plus any amount that exceeds Your approved Credit Limit.\nYou may, by separate agreement, authorize Us to charge Your payment directly to\nYour share or share draft account.\nLATE CHARGE. If Your payment is one or more days late, You will be charged the\nlesser of: (a) $25.00 (this amount will be $35.00 if You have incurred a late charge\nwithin 6 months of previously incurring a late charge); or (b) the amount of the\nrequired minimum payment.\n\nPage 2 of 4\n\nOTBS 016CC-Variable FRB_Web CLEA (4/21)\n\n\x0cRETURNED PAYMENT FEE. You will be charged a fee for any check (or other\nnegotiable instrument used for payment) which is returned unpaid. The fee will be\nan amount equal to the lesser of: (a) $25.00 (this amount will be $35.00 if You\nhave incurred a returned payment fee within 6 months of previously incurring a\nreturned payment fee); or (b) the required minimum payment amount for the\nreturned payment.\nOTHER FEES AND CHARGES. You will be charged the following fees associated\nwith the use of Your Card: (a) $30.00 for each replacement Card that You request\nbe provided on an expedited basis; (b) $5.00 for each replacement Personal\nIdentification Number (PIN) that You request; (c) $5.00 for each sales draft or\nstatement copy You request; (d) a cash advance fee FINANCE CHARGE in an\namount equal to 3.00% of each advance obtained at a financial institution and/or\nATM; and (e) a balance transfer fee FINANCE CHARGE in an amount equal to\n4.00% of each such transfer.\nFINANCE CHARGES. In the case of any transactions under Your Platinum\nMastercard\xc2\xae, Premium World\xe2\x84\xa2 Mastercard\xc2\xae, and Secured Platinum Mastercard\xc2\xae,\nthe balances subject to the periodic Finance Charge are the average daily\ntransactions balances outstanding during the month (including new transactions).\nTo get the average daily balance, We take the beginning balance each day, add any\nnew purchases, cash advances, balance transfers, insurance premiums, debit\nadjustments or other charges and subtract any payments, credits and unpaid\nFinance Charges. This gives Us the daily balance. Then, We add up all the daily\nbalances for the billing cycle and divide them by the number of days in the billing\ncycle. The Finance Charge for a billing cycle is computed by multiplying the average\ndaily balance subject to a Finance Charge by the Monthly Periodic Rate.\nYou can avoid Finance Charges on purchases by paying the full amount of the\nentire balance owed each month within 25 days of Your statement closing date.\nOtherwise, the new balance of purchases, and subsequent purchases from the\ndate they are posted to Your Account, will be subject to a Finance Charge. Cash\nadvances and balance transfers are always subject to a Finance Charge from the\ndate of the transaction.\nDuring the first 12 billing cycles following the date that You establish a Premium\nWorld\xe2\x84\xa2 Mastercard\xc2\xae Credit Card, Your entire balance for purchases will be subject\nto a Monthly Periodic Rate of _____________% (corresponding to an ANNUAL\nPERCENTAGE RATE of _____________%). Upon the expiration of the Introductory\nRate period, the Monthly Periodic Rate applicable to Your entire balance of\npurchases existing at that time and in the future will immediately increase to\n__________% (corresponding ANNUAL PERCENTAGE RATE of _________%).\nVARIABLE RATE. All advances are subject to a Variable Rate which is based on\nthe highest Prime Rate as published in the money rates section of The Wall Street\nJournal in effect on the day that any Introductory Rate Period expires, and\nsubsequently, on the last day of each month of each year ("Index") plus Our\nMargin. The Index plus the Margin equals the Interest Rate. Changes in the Index\nwill cause changes in the Interest Rate on the day that any Introductory Rate\nPeriod expires, and subsequently, on the first day of the billing cycle immediately\nfollowing any such change in the Index. Increases or decreases in the Interest\nRate will cause like increases or decreases in the Finance Charge and will affect\nthe number of Your regularly scheduled payments. Your Interest Rate will never\nbe greater than 18.00%, and will apply to Your remaining principal balance.\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement\nshowing all transactions on Your Account including amounts paid and borrowed\nsince Your last statement. We will mail You a statement each month in which\nthere is a debit or credit balance or when a Finance Charge is imposed. We\nneed not send You a statement if We feel Your Account is uncollectible or if We\nhave started collection proceedings against You because You defaulted. Each\nstatement is deemed to be a correct statement of account unless You establish\na billing error pursuant to the Federal Truth-In-Lending Act.\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under\nno obligation to honor Your Convenience Checks if: (1) by paying a Convenience\nCheck, You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks\nhave been reported lost or stolen; (3) Your Account has been cancelled or has\nexpired. If a postdated Convenience Check is paid and, as a result, any other\nConvenience Check is returned unpaid, We are not responsible for any resulting loss\nor liability.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform any\nobligation under this Agreement, or any other agreement that You may have with Us;\nor (b) You should die, become involved in any insolvency, receivership or custodial\nproceeding brought by or against You; or (c) You have made a false or misleading\nstatement in Your credit application and/or in Your representations to Us while You\nowe money on Your Account; or (d) A judgment or tax lien should be filed against\nYou or any attachment or garnishment should be issued against any of Your property\nor rights, specifically including anyone starting an action or proceeding to seize any\nof Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your\nability to repay Your indebtedness hereunder is or soon will be impaired, time being\nof the very essence.\nCopyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.\n\nUpon any occurrence of default, We may, to the extent permitted by law, cancel\nYour rights under this Agreement, require the return of all access devices and\ndeclare the entire balance of Your Account immediately due and payable, without\nprior notice or demand.\nCOLLECTION COSTS. In the event collection efforts are required to obtain payment\non this Account, and to the extent permitted by law, You agree to pay all court costs,\nprivate process server fees, investigation fees or other costs incurred in collection\nand reasonable attorneys\xe2\x80\x99 fees incurred in the course of collecting any amounts\nowed under this Agreement or in the recovery of any collateral.\nENFORCEMENT. We do not lose Our rights under this or any related agreement if\nWe delay enforcing them. We can accept late payments, partial payments or any\nother payments, even if they are marked "paid in full" without losing any of Our rights\nunder this Agreement. If any provision of this or any related agreement is determined\nto be unenforceable or invalid, all other provisions remain in full force and effect.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move\nor otherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal TruthIn-Lending Act. To the extent permitted by law, the right to change the terms of this\nAgreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\nINTEGRATED DOCUMENTS. Any separate sheet of paper that pertains to Your\nAccount, and is delivered together with this Agreement or at a later date becomes\nan integrated part of this Agreement and Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement.\nBy signing the application; or by using Your Account or any Account access device;\nor by authorizing another to use Your Account, You agree to and accept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts\nto update information contained in Your original Account application or other financial\ninformation related to You, at Our request. You also agree that We may, from time\nto time, as We deem necessary, make inquiries pertaining to Your employment,\ncredit standing and financial responsibility in accordance with applicable laws and\nregulations. You further agree that We may give information about the status and\npayment history of Your Account to consumer credit reporting agencies, a prospective\nemployer or insurer, or a state or federal licensing agency having any apparent\nlegitimate business need for such information.\nTERMINATION. Either You or We may cancel Your Account or any particular Credit Card\nof Your Account, at any time, whether or not You are in default. You will, in any case,\nremain liable to pay any unpaid balances according to the terms of Your Account.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nCommonwealth of Pennsylvania except to the extent that such laws are inconsistent\nwith controlling federal law.\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at any\ntime without notice. You agree to surrender Your Card and to discontinue its use\nimmediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon\nYour request, a Personal Identification Number (PIN) for use with participating\nATMs. This PIN is confidential and should not be disclosed to anyone. You may\nuse Your PIN to access Your Account and all sums advanced will be added to\nYour balance. In the event a use of Your PIN constitutes an Electronic Fund\nTransfer, the terms and conditions of Your Electronic Fund Transfer Agreement\nmay also affect Your rights.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using Your Card contain terms, this Agreement\nis the contract which solely applies to all transactions involving the Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.\nYou will not be liable for the unauthorized use that occurs after You notify Us of the\nloss, theft, or possible unauthorized use by calling Us at (800) 449-7728 or by writing\nto Us at the address shown in this Agreement. In any case, Your liability will not\nexceed $50.00.\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable\nfor the refusal or inability of merchants, financial institutions and others to\naccept the Cards or Convenience Checks, or electronic terminals to honor the\nCards or complete a Card withdrawal, or for their retention of the Cards or\nConvenience Checks.\nFOREIGN TRANSACTIONS (EXCEPT PREMIUM WORLD\xe2\x84\xa2 MASTERCARD \xc2\xae).\nFor transactions initiated in foreign currencies, the exchange rate between\nthe transaction currency and the billing currency (U.S. dollars) will be: (a) a\n\nPage 3 of 4\n\nOTBS 016CC-Variable FRB_Web CLEA (4/21)\n\n\x0crate selected by Mastercard from the range of rates available in wholesale\ncurrency markets for the applicable central processing date, which rate may\nvary from the rate Mastercard itself receives; or (b) the government-mandated\nrate in effect for the applicable central processing date. For transactions\ninitiated in a foreign currency, and for transactions occurring in foreign\ncountries and initiated in U.S. Dollars, You will be charged 2.00% of the final\nsettlement amount.\n\n2)\n\nWhile We investigate whether or not there has been an error:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nTRANSACTION SLIPS. Your monthly statement will identify that merchant,\nelectronic terminal or financial institution at which transactions were made, but sales,\ncash advances, credit or other slips cannot be returned with the statement.\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit\nCards or Convenience Checks, You will immediately call Us at (800) 449 -7728\nor write to Us at the address shown in this Agreement.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\n\n\xe2\x80\xa2\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill, describe\nwhat You believe is wrong and why You believe it is a mistake.\n\nYou must contact Us:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your\nCredit Card, and You have tried in good faith to correct the problem with the\nmerchant, You may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n1)\n\nWithin 60 days after the error appeared on Your statement.\nAt least 3 business days before an automated payment is scheduled, if You\nwant to stop payment on the amount You think is wrong.\n2)\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do\nWe are not required to investigate any potential errors and You may have to pay the\namount in question.\nWhat Will Happen After We Receive Your Letter\n\nIf We made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send You a\nstatement of the amount You owe and the date payment is due. We may\nthen report You as delinquent if You do not pay the amount We think You owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write to\nUs within 10 days telling Us that You still refuse to pay. If You do so, We cannot\nreport You as delinquent without also reporting that You are questioning Your bill.\nWe must tell You the name of anyone to whom We reported You as delinquent, and\nWe must let those organizations know when the matter has been settled between\nUs. If We do not follow all of the rules above, You do not have to pay the first $50.00\nof the amount You question even if Your bill is correct.\n\nIf You think there is an error on Your statement, write to Us at Our address shown in\nthis Agreement. In Your letter, give Us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report You as delinquent\non that amount.\nThe charge in question may remain on Your statement, and We may continue\nto charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for\nthe remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nAfter We finish Our investigation, one of two things will happen:\n\xe2\x80\xa2\n\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your Account.\nIf Your credits and payments exceed what You owe Us, We will hold and apply this\ncredit against future purchases and cash advances, or if it is $1.00 or more refund it on\nYour written request or automatically deposit it to Your share account after six months.\n\nWithin 90 days of receiving Your letter, We must either correct the error or\nexplain to You why We believe the bill is correct.\n\n3)\n\nThe purchase must have been made in Your home state or within 100 miles\nof Your current mailing address, and the purchase price must have been\nmore than $50.00. (Note: Neither of these are necessary if Your purchase\nwas based on an advertisement We mailed to You, or if We own the company\nthat sold You the goods or services.)\nYou must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at Our address shown in this Agreement.\n\nWhen We receive Your letter, We must do two things:\n1)\n\nWithin 30 days of receiving Your letter, We must tell You that We received Your\nletter. We will also tell You if We have already corrected the error.\n\nCopyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.\n\nWhile We investigate, the same rules apply to the disputed amount as discussed above.\nAfter We finish Our investigation, We will tell You Our decision. At that point, if We think\nYou owe an amount and You do not pay, We may report You as delinquent.\n\nPage 4 of 4\n\nOTBS 016CC-Variable FRB_Web CLEA (4/21)\n\n\x0cPRICING INFORMATION ADDENDUM \xe2\x80\x93\nCREDIT CARD ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\n8805 University Boulevard\nMoon Township, PA 15108\n\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR PLATINUM MASTERCARD\xc2\xae,\nPREMIUM WORLD\xe2\x84\xa2 MASTERCARD\xc2\xae, AND SECURED PLATINUM MASTERCARD\xc2\xae CREDIT CARD AGREEMENT\nAND DISCLOSURE. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY\nPARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nFor Purchases\n\nPlatinum Mastercard\xc2\xae: 9.24% - 18.00% based on Your creditworthiness at the\ntime You establish Your Account.\nYour APR will vary with the market based on the Prime Rate.\nPremium World\xe2\x84\xa2 Mastercard\xc2\xae: 0.00% Introductory APR for 12 billing cycles.\nAfter that Your APR will be 12.25% - 18.00% based on Your creditworthiness at\nthe time You establish Your Account.\nYour APR will vary with the market based on the Prime Rate.\nSecured Platinum Mastercard\xc2\xae: 9.24% - 18.00% based on Your creditworthiness at\nthe time You establish Your Account.\nYour APR will vary with the market based on the Prime Rate.\n\nAnnual Percentage Rate (APR)\nFor Balance Transfers\n\nPlatinum Mastercard\xc2\xae: 9.24% - 18.00% based on Your creditworthiness at the time You\nestablish Your Account.\nYour APR will vary with the market based on the Prime Rate.\nPremium World\xe2\x84\xa2 Mastercard\xc2\xae: 12.25% - 18.00% based on Your creditworthiness at the time\nYou establish Your Account.\nYour APR will vary with the market based on the Prime Rate.\nSecured Platinum Mastercard\xc2\xae: 9.24% - 18.00% based on Your creditworthiness at the time\nYou establish Your Account.\nYour APR will vary with the market based on the Prime Rate.\n\nAnnual Percentage Rate (APR)\nFor Cash Advances\n\nPlatinum Mastercard\xc2\xae: 9.24% - 18.00% based on Your creditworthiness at the time You\nestablish Your Account.\nYour APR will vary with the market based on the Prime Rate.\nPremium World\xe2\x84\xa2 Mastercard\xc2\xae: 12.25% - 18.00% based on Your creditworthiness at the\ntime You establish Your Account.\nYour APR will vary with the market based on the Prime Rate.\nSecured Platinum Mastercard\xc2\xae: 9.24% - 18.00% based on Your creditworthiness at the time\nYou establish Your Account.\nYour APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nWe will not charge You interest on purchases if You pay Your entire balance owed each\nmonth within 25 days from Your statement closing date. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\n\nFees\nTransaction Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nBalance Transfer\nCash Advance\nForeign Transaction\n\n4.00% of each transfer.\n3.00% of each advance.\nUp to 2.00% of each foreign currency transaction in U.S. Dollars.\nUp to 2.00% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\xef\x82\xb7 Returned Payment\n\nUp to $35.00\nUp to $35.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nCopyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.\n\nPage 1 of 2\n\nOTBS 016A CC-Variable FRB_WEB CLEA (4/21)\n\n\x0cFINANCE CHARGES. In the case of any transactions under Your Platinum Mastercard \xc2\xae, Premium World\xe2\x84\xa2 Mastercard\xc2\xae, and Secured Platinum Mastercard\xc2\xae, Credit Card,\nthe balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average\ndaily balance, We take the beginning balance each day, add any new purchases, cash advances, balance transfers, insurance premiums, debit adjustments or other charges\nand subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them\nby the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the\nMonthly Periodic Rate.\nYou can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise,\nthe new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash advances and balance\ntransfers are always subject to a Finance Charge from the date of the transaction.\nFor Platinum Mastercard\xc2\xae, balances for purchases will accrue Finance Charges at a Monthly Periodic Rate of 0.770% - 1.500% (corresponding ANNUAL PERCENTAGE\nRATE of 9.24% - 18.00%), based on Your creditworthiness at the time You establish Your Account. Balance transfer transactions will accrue Finance Charges at a Monthly\nPeriodic Rate of 0.7700% - 1.500% (corresponding ANNUAL PERCENTAGE RATE of 9.24% - 18.00%), based on Your creditworthiness at the time You establish Your\nAccount. Balances for cash advances will accrue Finance Charges at a Monthly Periodic Rate of 0.770% - 1.500% (corresponding ANNUAL PERCENTAGE RATE of 9.24%\n- 18.00%), based on Your creditworthiness at the time You establish Your Account.\nFor Premium World\xe2\x84\xa2 Mastercard\xc2\xae purchase transactions, during the first 12 billing cycles following the date that You establish a Premium World\xe2\x84\xa2 Mastercard\xc2\xae Credit Card,\nYour entire balance for purchases will be subject to a Monthly Periodic Rate of 0.0000% (corresponding ANNUAL PERCENTAGE RATE 0.0000%). Upon the expiration of\nthe Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of purchases existing at that time and in the future will immediately increase to\n1.0208% - 1.5000% (corresponding ANNUAL PERCENTAGE RATE of 12.25% - 18.00%), based on Your creditworthiness at the time You establish Your Account. Balance\ntransfer transactions will accrue Finance Charges at a Monthly Periodic Rate of 1.0208% - 1.500% (corresponding ANNUAL PERCENTAGE RATE of 12.25% - 18.00%),\nbased on Your creditworthiness at the time You establish Your Account. Balances for cash advances will accrue Finance Charges at a Monthly Periodic Rate of 1.0208% 1.5000% (corresponding ANNUAL PERCENTAGE RATE of 12.25% - 18.00%), based on Your creditworthiness at the time You establish Your Account.\nE34For Secured Platinum Mastercard\xc2\xae, balances for purchases will accrue Finance Charges at a Monthly Periodic Rate of 0.770% - 1.500% (corresponding ANNUAL\nPERCENTAGE RATE of 9.24% - 18.00%), based on Your creditworthiness at the time You establish Your Account. Balance transfer transactions will accrue Finance Charges\nat a Monthly Periodic Rate of 0.7700% - 1.500% (corresponding ANNUAL PERCENTAGE RATE of 9.24% - 18.00%), based on Your creditworthiness at the time You establish\nYour Account. Balances for cash advances will accrue Finance Charges at a Monthly Periodic Rate of 0.770% - 1.500% (corresponding ANNUAL PERCENTAGE RATE of\n9.24% - 18.00%), based on Your creditworthiness at the time You establish Your Account.\nVARIABLE RATE. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal\nin effect on the day that any Introductory Rate Period expires, and subsequently, on the last day of each month of each year ("Index") plus Our Margin. The Index plus the\nMargin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the day that any Introductory Rate Period expires, and subsequently, on the\nfirst day of the billing cycle immediately following any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the\nFinance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00%, and will apply to Your remaining\nprincipal balance.\nFor Premium World\xe2\x84\xa2 Mastercard\xc2\xae, the Margin will be 9.00% - 15.00% depending on Your creditworthiness. For Platinum Mastercard\xc2\xae and Secured Platinum Mastercard\xc2\xae,\nthe Margin will be 5.99% - 14.75%, depending on Your creditworthiness.\n\nCopyright Oak Tree Business Systems, Inc., 2018-2021. All Rights Reserved.\n\nPage 2 of 2\n\nOTBS 016A CC-Variable FRB_WEB CLEA (4/21)\n\n\x0c'


b"Credit Card Agreement\n1. INTRODUCTION.\nThis Agreement covers your MasterCard\xc2\xae Credit Card Account (your \xe2\x80\x9cAccount\xe2\x80\x9d)\nwith us. In this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d, \xe2\x80\x9dyours\xe2\x80\x9d, \xe2\x80\x9dapplicant\xe2\x80\x9d, and\n\xe2\x80\x9cBorrowers\xe2\x80\x9d mean any person who signs the application for this Account, any\njoint obligor, guarantor, authorized user, or the person whose name is\nembossed on the Card. The words \xe2\x80\x9cwe\xe2\x80\x9d and \xe2\x80\x9cBank\xe2\x80\x9d refer to BANNER BANK.\nThe word \xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards issued under the Bank\xe2\x80\x99s\nMasterCard TruRewards or MasterCard World program. You must sign the Card\nto use it. If you sign an application for this Account or sign or use any Card or\npersonal identification number (your \xe2\x80\x9cPIN\xe2\x80\x9d), or allow others to use the Card or\nyour PIN, you and they will have accepted this Agreement just as if you and they\nsigned it, and you and they, jointly and severally, will be bound by the following\nterms and conditions which will govern this Account.\n2. CREDIT LINE.\nYour Account is a revolving line of credit line in the amount of your credit limit. We will\nadvise you of the amount of your credit limit. Your credit limit will be the maximum\namount you may have outstanding at any one time under your credit line. You agree\nnot to attempt to obtain more credit than the amount of your credit limit. However, if\nyou temporarily exceed your credit limit, you agree to repay the excess immediately,\neven if we have not yet billed you. Obtaining such credit does not increase your credit\nlimit. We retain the right to increase or decrease your credit limit at any time for any\nreason. Any increase or reduction on the limit of your credit limit will be shown on your\nmonthly statement or by separate notice together with any changes in the applicable\nminimum monthly payments. Your eligibility for this credit line is determined by our\nloan policy and may be terminated at our sole discretion, without demand or notice.\nYou may close your credit line at any time by notifying us in writing and returning all\nCards cut in half. If you terminate this Agreement or if we terminate or suspend your\ncredit privileges, the provisions of the Agreement and your liability hereunder shall\notherwise remain in full force and effect until you have paid us all sums due under this\nAgreement and returned all Cards.\n3. ACCOUNT ACCESS.\nYou may use your Card and your Account to purchase goods or services, obtain\nbalance transfers, and obtain cash advances. No transaction may exceed the\navailable funds in your Account. We may not honor your request for a transaction if:\nthe request would exceed your credit limit; you are in default under this Agreement;\nyour Account has been terminated or suspended, or your Account has not been\nactivated.\nPurchases. You may use your Account to purchase goods or services wherever the\nCard is honored, up to the full amount of your credit limit. However, you may not use\nyour Card to initiate any type of electronic gambling transaction through the Internet.\nBalance Transfers. You may use your Account to obtain balance transfers from us, up\nto the full amount of your credit limit. Balance transfers can be used to pay off your\nobligations with other creditors. Balance transfers may not be used to pay off any\nBanner Bank accounts. Cash Advances. You may use your Account to obtain cash\nadvances from us, from participating financial institutions, and from automated teller\nmachines (\xe2\x80\x9cATM\xe2\x80\x9d ). These cash advances are subject to a cash advance credit limit,\nwhich is 50.00% of your credit line. The maximum cash advance you may obtain at\nany ATM is $500.00. We may offer you preprinted letter checks from time to time to\nobtain cash advances. You may write letter checks up to the full amount of your credit\nlimit.\n4. YOUR PROMISE TO PAY.\nYou promise to pay us for all purchases, cash advances, and balance transfers, plus\nany FINANCE CHARGE, fees and other charges which arise from use of the Card or\nAccount by you or any other person, and to be jointly and severally liable with such a\nperson, unless such other person does not have actual, implied, or apparent authority\nfor such use, and you receive no benefit from the use. The total outstanding balance of\nyour Account on the closing date of a billing cycle, including any FINANCE CHARGE\nwill be shown on your monthly statement for that billing cycle as the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\nYou promise to pay us either by direct payment or by automatic transfers from your\nbank deposit account.\n5. FINANCE CHARGE.\na. When a FINANCE CHARGE will accrue:\nPurchases. A FINANCE CHARGE will be imposed on purchases from the date each\npurchase is posted to your Account to the date paid. If, however, the outstanding\nbalance on your prior monthly statement was paid in full prior to the statement due\ndate or was zero and you pay your entire New Balance in full within 25 days after the\nclosing date, no FINANCE CHARGE will be imposed on your purchases. This \xe2\x80\x9cgrace\nperiod for purchases\xe2\x80\x9d allows you to avoid a FINANCE CHARGE on purchases for a\nbilling cycle. Balance Transfers and Cash Advances. A FINANCE CHARGE will be\nimposed on balance transfers and cash advances from the date each cash advance or\nbalance transfer is posted to your Account to the date paid. There is no time period\nwithin which to pay to avoid a periodic FINANCE CHARGE on cash advances or\nbalance transfers.\n\nb. Periodic Rates used to compute FINANCE CHARGE:\n........................... Corresponding Periodic Rate....... ANNUAL PERCENTAGE RATE\nCard Purchases:............ 0.9992% per month................................ 11.99%\nBalance Transfers:*....... 0.6033% per month.................................. 7.24%\nCash Advances:............ 1.5000% per month................................. 18.00%\n(* Beginning 60 days after your account setup, the Periodic Rate and\nCorresponding ANNUAL PERCENTAGE RATE for new Balance Transfers will be\nthe same as the rate for Card Purchases).\nc. Method used to determine the balance on which the Finance Charge may be\ncomputed and amount of Finance Charge:\nWe calculate the FINANCE CHARGE on your purchases by applying the Periodic Rate\nfor purchases to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of purchases for your Account (including\ncurrent transactions). To get the \xe2\x80\x9cAverage Daily Balance,\xe2\x80\x9d we take the beginning\npurchase balance of your Account each day, add any new purchases, and subtract\nany payments or credits and unpaid FINANCE CHARGE. This gives us the daily\nbalance for purchases. Then we add up all the daily balances for the billing cycle and\ndivide by the number of days in the billing cycle. This gives us the Average Daily\nBalance for purchases.\nWe calculate the FINANCE CHARGE on your balance transfers by applying the\nPeriodic Rate for balance transfers to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of balance transfers\nfor your Account (including current transactions). To get the \xe2\x80\x9cAverage Daily Balance,\xe2\x80\x9d\nwe take the beginning balance transfer balance of your Account each day, add any\nnew balance transfers, and subtract any payments or credits and unpaid FINANCE\nCHARGE. This gives us the daily balance for balance transfers. Then we add up all\nthe daily balances for the billing cycle and divide by the number of days in the billing\ncycle. This gives us the Average Daily Balance for balance transfers.\nWe calculate the FINANCE CHARGE on your cash advances by applying the\nPeriodic Rate for cash advances to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of cash advances for\nyour Account (including current transactions). To get the \xe2\x80\x9cAverage Daily Balance,\xe2\x80\x9d we\ntake the beginning cash advance balance of your Account each day, add any new\ncash advances, and subtract any payments or credits and unpaid FINANCE\nCHARGE. This gives us the daily balance for cash advances. Then we add up all the\ndaily balances for the billing cycle and divide by the number of days in the billing\ncycle. This gives us the Average Daily Balance for cash advances. The FINANCE\nCHARGE imposed during the billing cycle will be determined by multiplying the\napplicable Average Daily Balance by the applicable Periodic Rate.\nEmployee Rate Reduction. If you are an employee of Banner Bancorp, or one of its\naffiliates, you will receive a 2.00% rate reduction from the Purchase rate disclosed in\nthis agreement.\n6. ANNUAL FEE.\nNo Annual Fee for Regular Cards. $25.00 for Deposit Secured Cards.\n7. LATE CHARGES.\nIf your minimum required payment is not received within 5 days after the scheduled\nmonthly due date, a late charge of $20.00 will be imposed.\n8. OTHER CHARGES THAT MAY BE IMPOSED.\nWe may also impose the following fees and charges on your Account:\na. Returned Item Charge. If any check or draft we receive from you as payment for any\namount you owed to us is returned to us unpaid, we may impose a return item fee of\n$15.00.\nb. Copies of Past Statements. If you request a copy of a monthly statement, we may\ncharge your Account $2.00 per billing statement. These charges cover the cost of\nlocating, copying, and delivering the documents to you. If a request is related to a\nbilling error and an error is found, we will reverse any photocopying charges.\nc. ATM Fees. If you use an ATM to obtain a cash advance and the ATM is not\noperated by us, you may be charged an ATM surcharge by the ATM operator or an\nATM network utilized for such a transaction. The ATM surcharge may be charged to\nyour Account if you complete the transaction.\nd. Attorney\xe2\x80\x99s Fees and Costs. If you default on any part of this Agreement, you agree\nto pay us all costs to collect your Account, including court costs and reasonable\nattorney fees and collection agency costs whether or not there is a lawsuit, and fees\non any appeal and fees for bankruptcy proceedings, appeals, and any post judgment\ncollection services, if applicable.\n9. DEPOSIT SECURED CREDIT CARDS.\nIf you have selected the Deposit Secured Credit Card, your Credit Card is secured by\nthe assignment of a Banner Bank Deposit Account with a balance at least equal to\nyour Credit Card's limit ($300 to $5,000). Additional deposits can be made to the\nDeposit Account from time to time and you may request the Bank increase the credit\nlimit for the Credit Card, provided that adjustments in Credit Card limit may only be\nmade in increments of at least $100. A separate Security Agreement provides details\nof the assignment. Your withdrawals from the Deposit Account will be restricted.\nShould you become in default of this Agreement, the Bank has a right to apply the\nfunds in the Deposit Account to pay any outstanding balance on your Credit Card\nwithout any prior notice to you.\n\n\x0c10. MONTHLY STATEMENTS.\nEach month we will send you a statement showing purchases, balance transfers, cash\nadvances, payments, and credits made to your Account during the billing cycle, as well\nas your New Balance, any FINANCE CHARGE, and any late charge or other charges.\nYour monthly statement also will identify the minimum monthly payments you must\nmake for that billing period and the date it is due. You agree to retain for statement\nverification, copies of transaction slips resulting from each purchase, each advance,\nand other transactions on your Account. Unless you notify us of a billing error as\ndescribed below, you accept your monthly statement as an accurate statement of your\nAccount.\n11. MINIMUM PAYMENT.\na. The minimum payment required is the New Balance shown on your monthly\nstatement if the amount is equal to or less than $25.00.\nb. If the New Balance exceeds $25.00, the minimum payment is calculated based\nupon the portion of the New Balance (2.00% of the Cash Advance balance, 2.00% of\nthe Purchase balance, and 5.00% of the Balance Transfer balance) which does not\nexceed your credit limit (rounded up to the nearest dollar), or $25.00, whichever is\ngreater, plus the entire portion of the New Balance in excess of your credit limit, plus\nany amount past due, plus any outstanding late charges and other fees and charges.\n12. PAYING YOUR ACCOUNT.\nYou agree that you will pay each month, no less than the minimum monthly payment,\non or before the scheduled monthly due date shown on your statement. You may pay\nin full for all your purchases and cash advances each month, or you may repay in\nmonthly installments. We can accept late payments or partial payments, or checks,\ndrafts, and money orders marked \xe2\x80\x9cpaid in full,\xe2\x80\x9d without prejudice to our rights under\nthis Agreement, which are hereby explicitly reserved.\n13. APPLICATION OF PAYMENTS.\nPayments to your Account will be applied in the following order: previously billed and\nunpaid FINANCE CHARGE, fees, then payments will be allocated to balances in the\nfollowing order: Cash Advances, Purchases, and then Balance Transfers.\n14. CONDITIONS OF ACCOUNT USE.\nThe use of your Card and Account are subject to the following conditions:\nOwnership of Cards. Any Card or other credit instrument or device which we supply to\nyou is our property and must be returned to us, or to any person whom we authorize to\nact as our agent, or to any person who is authorized to honor the Card, immediately\naccording to instructions. The Card may be repossessed at any time at our sole\ndiscretion without demand or notice. You cannot transfer your Card or Account to\nanother person. You may not use the Card for any illegal or unlawful transactions and\nwe may decline to authorize any transaction that we believe poses an undue risk or\nillegality or unlawfulness.\nHonoring the Card. Neither we nor merchants authorized to honor the Card will be\nresponsible for the failure or refusal to honor the Card or any other credit instrument or\ndevice we supply to you. If a merchant agrees to give you a refund or adjustment, you\nagree to accept a credit to your Account in lieu of a cash refund.\nForeign Transactions. Purchases and cash advances made in foreign countries will\nbe billed to you in U.S. dollars. The currency conversion rate for international\ntransactions as established by MasterCard is a rate selected by MasterCard from the\nrange of rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate MasterCard itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date. In\naddition, you will be charged an International Transaction Fee of 1.10% of the\ntransaction amount for any card transaction made in a foreign country.\nLetter Checks. We may not honor your letter check and we are entitled to return it\nunpaid if: your check is post-dated; payment of the check would exceed your credit\nlimit; if you are in default under this Agreement; a check is signed by person without\nauthorized access; your Account has been terminated or suspended; your Account\nhas not been activated; or any checks have been reported lost or stolen. We will not\ncertify a letter check. You may stop payment on a letter check if you provide us with\nthe exact information describing the check. If you give us incorrect information, we will\nnot be responsible for failing to stop payment. You understand there may be a charge\nfor each stop payment order requested. Our liability for a wrongful dishonor is limited\nto your actual charges; however, a dishonor for the reasons stated above is not a\nwrongful dishonor. Only the person whose name is printed on a letter check may sign\nit. All letter checks must be written in U. S. dollars. A letter check may not be used to\nmake a payment on your Account. The Bank shall have no liability for any letter\ncheck(s) returned in excess of your credit limit.\nPersonal Identification Number. We will issue you a PIN for use with your Card at\nATMs. These numbers are issued to you for your security purposes. These numbers\nare confidential and should not be disclosed to third parties. You are responsible for\nsafekeeping your PIN. You agree not to disclose or otherwise make available your PIN\nto anyone not authorized to sign on your accounts. To keep your Account secure,\nplease do not write your PIN on your Card or keep it in the same place as your Card.\n\nNotices and Payments. All notices will be sent to your address as shown in the\napplication. You agree to advise us promptly if you change your mailing address. All\npayments should be mailed to us at the remittance address shown on your monthly\nstatements. Payments received at that address will be credited to your Account as of\nthe date received.\n15. DEFAULT.\nYou will be in default under this Agreement if any of the following occur: (a) any\nminimum monthly payment is not made when due; (b) you become insolvent,\nbankrupt, or you die; (c) you violate any part of this Agreement, or any other\nagreement with us; or (d) if we reasonably deem ourselves insecure on your credit\nline. We will notify you in writing of any such action as soon as practical if it occurs.\nUpon default, we may declare the entire unpaid balance immediately due and payable,\nand you agree to pay that amount plus any attorney\xe2\x80\x99s fees and costs including\ncollection agency cost incurred by us. We can delay enforcing any right under this\nAgreement without losing that right or any other right.\n16. CREDIT INFORMATION/FINANCIAL STATEMENTS.\nYou authorize us to release information to others (e.g., credit bureaus, merchants, and\nother financial institutions) regarding the status and/or history of your credit line as\ndescribed in our Privacy Notice. You agree to provide us, at any time we deem\nnecessary, with a current financial statement and updated credit information upon\nrequest. We may investigate your credit directly or through a credit reporting agency.\n17. LIABILITY FOR UNAUTHORIZED USE.\nYou may be liable for the unauthorized use of your Card. You will not be liable for any\nunauthorized use of your Card once you notify us at: (855) 891-4821 or (509) 5268820 of the loss, theft, or possible unauthorized use. The foregoing liability limitation\ndoes not apply if you are grossly negligent or fraudulent in the handling of your\nAccount or your Card, nor does it apply in the case of cash advances obtained at an\nATM. In any event, your maximum liability for unauthorized use will not exceed $50.00.\n18. CHANGE IN TERMS.\nWe have the right to change any terms and conditions of this Agreement at any time. If\nwe do so, we will notify you in writing if required by law (in which case, changes will be\neffective on the date specified in the notice). Changed terms will apply to the\noutstanding balance of your Account as well as to any transactions after the date of\nthe change, except that changes in interest rates will apply only to transactions\nperformed after the date of the change. In any event, use of your Account after the\ndate of the change will confirm that you agree to the change.\n19. TRANSFERS.\nWe may transfer all or part of your account balance, along with our rights under this\nAgreement, to another person or entity. That person or entity will then be entitled to\nenforce our rights under this Agreement. You may not transfer your rights or\nobligations under this Agreement.\n20. GOVERNING LAW.\nThis Agreement will not take effect until it is approved by us. This Agreement shall be\ngoverned by the laws of the State of Washington, regardless of where you reside.\nBILLING RIGHTS SUMMARY\nIn Case of Errors or Questions about Your Bill\nIf you think your bill is wrong, or if you need more information about a transaction on\nyour bill, write us (on a separate sheet) at Banner Bank, PO Box 2181, Walla Walla,\nWA 99362 -0181 (the address shown on your bill) as soon as possible. We must hear\nfrom you no later than 60 days after we sent you the first bill on which the error or\nproblem appeared. You can telephone us, but doing so will not preserve your rights. In\nyour letter, give us the following information:\n\xc2\xb7 Your name and account number.\n\xc2\xb7 The dollar amount of the suspected error.\n\xc2\xb7 Describe the error and explain, if you can, why you believe there is an error. If you\nneed more information, describe the item you are unsure about.\nYou do not have to pay any amount in question while we are investigating, but you are\nstill obligated to pay the parts of your bill that are not in question. While we investigate\nyour question, we cannot report you as delinquent or take any action to collect the\namount you question.\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of goods or services that you purchased with a\ncredit card, and you have tried in good faith to correct the problem with the merchant,\nyou may not have to pay the remaining amount due on the goods or services. You\nhave this protection only when the purchase price was more than $50.00 and the\npurchase was made in your home state or within 100 miles of your mailing address. (If\nwe own or operate the merchant, or if we mailed you the advertisement for the\nproperty or services, all purchases are covered regardless of amount or location of\npurchase.)\n\n\x0cINTEREST RATE AND INTEREST CHARGES\nAnnual Percentage Rate(APR) for\nPurchases\nAPR for Balance Transfers\n\n11.99%\n7.24%\nOn Balance Transfers posting to your account during the first 60 days after\nyour account setup. After that, the same as the APR for purchases.\n\nAPR for Cash Advances\n\n18.00%\nBank Cash Advance and ATM Cash Advance\n\nHow to avoid paying interest on\npurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\non the transaction date.\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nIf you are charged periodic interest, there will be no minimum charge.\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nAnnual Fees\n\n- None for regular cards\n- $25.00 for Deposit Secured Cards\n\nFEES\nTransaction Fees\n\xc2\xb7 Balance Transfer\n\xc2\xb7 Cash Advance\n\xc2\xb7 Foreign Fees\nPenalty Fees\n\xc2\xb7 Late Payment\n\xc2\xb7 Over-the-Credit Limit\n\xc2\xb7 Returned Payment\n\n- None\n- None\n- 1.10% of each transaction in U.S. dollars.\n(This is a pass through of MasterCard's currency conversion fee.)\n- $20.00\n- None\n- $15.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d.\nSee the Credit Card Agreement above for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided above\nin your Credit Card Agreement.\nThis information is accurate as of September 2017 and may change. To find out what may have changed, please call\n800-790-2755.\n\n\x0c"