b'Please read this information carefully. This is your copy of the VISA Platinum and Visa Platinum Rewards Credit Card Agreement and\nRegulation \xe2\x80\x9cZ\xe2\x80\x9d Disclosures made pursuant to the Truth in Lending Act.\nIntroduction. This Agreement covers this VISA Platinum and VISA Platinum\nRewards Credit Card issued by iQ Credit Union. In this Agreement the words \xe2\x80\x9cyou,\xe2\x80\x9d\n\xe2\x80\x9cyour,\xe2\x80\x9d \xe2\x80\x9cyours,\xe2\x80\x9d \xe2\x80\x9capplicant,\xe2\x80\x9d and \xe2\x80\x9cBorrowers\xe2\x80\x9d mean any person who signs the application\nfor this Account, any joint obligor, guarantor, authorized user, or the person whose\nname is embossed on the Card. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cLender\xe2\x80\x9d means iQ\nCredit Union. The word \xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards issued under this\nAccount. If you sign an application for this Account or sign or use any Card or PIN, or 7.\nallow others to use the Card or PIN, you and they will have accepted this Agreement\njust as if you and they signed it, and you and they, jointly and severally, will be bound by\nthe following terms and conditions which will govern this Account.\n\n1.\n\nYou Promise to Pay. You promise to pay us in United States dollars, by cash,\ncheck or money order as provided in this Agreement, all such amounts, plus Interest\nCharges, which arise from use of the Card or Account by you or any other person, and\nto be jointly and severally liable with such a person, unless such other person does not\nhave actual, implied, or apparent authority for such use, and you received no benefit\nfrom the use. This includes any loan requests for credit card purchases, payments to a\nthird party, or for deposit to a deposit, share, or share draft account of yours, or any coapplicant at the Credit Union. You agree to pay advances requested by any co-applicant\nthe same as if you asked for the loan and it was paid to you.\n2.\n\n3. Purchases, Balance Transfers, and Cash Advances. You must sign the Card to\nuse it. Once you have signed the Card, you can use it to buy or lease goods or services,\nwherever the Card is honored, up to the full amount of your credit line. You also may\nuse your Account and Card to get cash advances from us or participating financial\ninstitutions. You may use your Card and Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) to obtain\ncash advances at automated teller machines (ATM\xe2\x80\x99s) designated with the Visa\nNetwork. The periodic statement will identify the merchant or financial institution at\nwhich transactions were made, but sales, cash advances, credit or other slips cannot be\nreturned with the statement. We may impose a reasonable charge for photocopies of\nslips you may request.\n\nConvenience Checks. If we approve, you may obtain advances under your Account\nby writing preprinted loan drafts (\xe2\x80\x9cconvenience checks\xe2\x80\x9d) that we supply to you. Your use\nof convenience checks will be shown as credit advances on your periodic statement. We\nmay not honor the convenience check if it is postdated, payment of the check will\nexceed your credit limit, a convenience check is signed by a person without authorized\naccess, the amount of the check is less than the minimum required amount, your\nAccount has been terminated or suspended, or any convenience checks have been\nreported lost or stolen. You may stop payment on a convenience check if you provide us\nwith the exact information describing the convenience check. The stop payment will be\neffective if the Credit Union receives the order in time for the Credit Union to act upon\nthe order. If you give us incorrect information, we will not be responsible for failing to\nstop payment. You understand there may be a charge for convenience check printing\nand charges for stop payment requests, returned items, check copies, and other fees or\ncosts we incur in handling your convenience checks. Our liability for a wrongful dishonor\nis limited to your actual losses; however, a dishonor for the reasons stated above is not\na wrongful dishonor.\n\n4.\n\nTransaction Limits. The limits apply to the combined transactions for the day on all\ncards on the account. You may not conduct more than 20 \xe2\x80\x9csignature based\xe2\x80\x9d\ntransactions per day, and may not conduct signature based transactions that exceed a\ntotal of $5,000 per day. (A \xe2\x80\x9csignature based\xe2\x80\x9d transaction is one that does not require you\nto use your Personal Identification Number to complete the transaction.). You may not\n\n5.\n\nreceive more than $500.00 from ATMs per day. You must contact the Credit Union for\nadvance approval if you wish to conduct transactions that would exceed these limits.\nFor the purpose of these limits, a day begins at 12:00 a.m. and ends at 11:59 p.m.\nRebate Program. VISA Platinum Rewards credit card only. You may earn a 1%\ncash rebate on your account if you meet the following requirements:\n6.\n\nCash Rebate on Net Purchases. You may earn a 1% cash rebate on net purchases\n(purchases less returns for credit) made during the rebate period in which the net\npurchases posted to your account. The cash rebate will be calculated on cumulative net\npurchases, not including any balance transfers or cash advances, posted to your\naccount for the prior rebate period. To illustrate, let us assume during the first rebate\nperiod of the year (January \xe2\x80\x93March) your total net purchases equal $3500. In this\nexample, we would multiply $3500 by 1% which would equal a cash rebate of $35.\nThere are four rebate periods in each calendar year. January 1 through March 31, April\n1 through June 30, July 1 through September 30, and October 1 through December 31.\nThe cash rebate for the prior rebate period will be credited to your checking or savings\naccount by the 15th day of the month following the end of the prior rebate period. Your\naccount must remain open and in good standing order to receive the cash rebate. If at\nany time your account is assessed a late fee, is closed or is in default, you will forfeit all\ncash rebates accrued through the calendar quarter in which your account was closed, or\nthe delinquency or default occurred. The terms and conditions of this rebate program\nmay be changed or cancelled at any time and for any reason without notice.\nMinimum Periodic Payment. Minimum payment will be the greater of $25 or 3% of\nany new balance, rounded to the nearest dollar, plus the greater of any amount past\ndue or any amount in excess of your credit limit. Payments received at the mailing\naddress shown on your statement on any business day by 5:00 P.M. Pacific Time will\nbe credited to your Account as of that date; payments received by mail at that address\nafter 5:00 P.M. Pacific Time, or on a weekend or federal holiday will be posted to your\nAccount as of the next business day. Payment crediting to your Account may be\ndelayed up to five (5) days if your payment is received by mail at any other address or\nnot accompanied by the remittance portion of your Account statement.\n8.\n\n9. Periodic Statements. If, at the end of any monthly periodic interval which we may\ndetermine the \xe2\x80\x9cBilling Cycle,\xe2\x80\x9d you have an outstanding undisputed debit or credit\nbalance in your Account, or if there is any Interest Charge imposed with respect to your\nAccount, we will send you a periodic statement regarding the Account for that Billing\nCycle. The statement will show any purchases, balance transfers, cash advances,\npayments, and credits made to your Account during the Billing Cycle, as well as your\n\xe2\x80\x9cNew Balance,\xe2\x80\x9d any Interest Charge, any late charge, or other charges. You may elect\nto receive your statement information electronically. Your statement also will identify the\n\xe2\x80\x9cRequired Payment Due\xe2\x80\x9d you must make for that Billing Cycle and the date it is due.\nYou may pay in full for all your purchases, balance transfers, and cash advances each\nmonth or you may repay in monthly installments. You agree to retain for statement\nverification copies of transaction slips resulting from each purchase, each advance, and\nother transaction on your Account. Unless you notify us of a billing error as described\nbelow, you accept your monthly statement as an accurate statement of your Account\nwith us.\n10. Credit Line. This Agreement will constitute a revolving line of credit, and we will\nadvise you of the amount of your credit line. That amount will be the maximum amount\nyou may have outstanding at any one time. You agree not to attempt to obtain more\ncredit than the amount of your credit line. However, if you temporarily exceed your credit\n\nline, you agree to repay the excess immediately, even if we have not yet billed you.\nObtaining such credit does not increase your credit line. We retain the right to increase\nor decrease your credit line at any time for any reason. Any increase or reduction on the\nlimit of your credit line will be shown on your monthly statement or by separate notice\ntogether with any other changes in the applicable minimum monthly payments.\nCircumstances Under Which an Interest Charge Will Be Imposed. The total\noutstanding balance of purchases, balance transfers, and cash advances in the Account\non the closing date of a Billing Cycle, including any Interest Charge will be shown on the\nPeriodic Statement for that billing cycle as the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\n\n11.\n\nPurchases. An Interest Charge will be imposed on the unpaid portion of purchases\nincluded in the New Balance when your New Balance is not paid in full by the due\ndate shown on your periodic statement. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to avoid an\nInterest Charge on purchases for a billing cycle. However, if you do not pay the New\nBalance for purchases within the grace period, your Interest Charge will accrue on\nany unpaid purchase transactions from the first day of the billing cycle.\nb. Balance Transfers and Cash Advances. An Interest Charge will be imposed on cash\nadvances from the date each balance transfer or cash advance is made. There is no\ntime period within which to pay to avoid a periodic Interest Charge on cash\nadvances. In addition, a cash advance fee (Interest Charge) equal to 2% of the cash\nadvance (or $5.00, whichever is greater) will be applied to each cash advance.\na.\n\nMethod Used to Determine the Balance on Which the Interest Charge May Be\nComputed. We figure the interest charge on your Account by applying the Periodic\nRate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of purchases, balance transfers, and cash\nadvances for your Account. To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d we take the ending\nbalance of your account the previous day, add any new purchases, balance transfers, or\ncash advances, and subtract any payments or credits, unpaid interest or other finance\ncharges and unpaid late charges. This gives us the daily balance. Then, we add up all\nthe daily balances for the billing cycle and divide the total by the number of days in the\nbilling cycle. This gives us the \xe2\x80\x9cAverage Daily Balance.\xe2\x80\x9d\n\n12.\n\n13. Method of Determining the Amount of the Interest Charge. We figure the\nInterest Charge for purchases, balance transfers, and cash advances by multiplying\nthe Average Daily Balance of purchases, balance transfers, and cash advances by\nthe number of days in the Billing cycle and then by the applicable periodic rate. The\nInterest Charge for any Billing Cycle will be the sum of the Interest Charge for\npurchases and the Interest Charge for cash advances. However, the portion of your\nbalance that is the result of purchases has a different treatment. If you paid the entire\nNew Balance shown on the previous monthly statement by the payment due date\nshown on that statement, the portion of the New Balance shown on the current\nstatement that is attributable to purchases that is paid by the payment due date\nshown on that statement will be excluded from the calculation of the balance each\nday.\n\nFor this purpose, payments will be applied first to unpaid Interest and other Finance\nCharges, then to unpaid purchases, balance transfers, and cash advances from prior\nbilling statements (starting with the portion of the balance subject to the highest rate),\nthen to purchases, balance transfers, and cash advances during that Billing Cycle\n(starting with the portion of the balance subject to the highest rate).\n14. Periodic Rate and Corresponding Annual Percentage Rate. Rates are variable\nand subject to change. Your Annual Percentage Rate (APR) will be calculated by\nadding a margin to the Prime Rate as published in the Wall Street Journal as of the\n\nWednesday immediately preceding the billing cycle. The margin applicable to your\naccount is provided in your Account Disclosures, and is based on your credit score.\nThe Credit Union may adjust the rate once each month effective the first day of the\nbilling cycle. APR changes will reflect on the following month\xe2\x80\x99s statement. The Annual\nPercentage Rate includes only interest and no other costs. The Annual Percentage\nRate is divided by 365 to produce the daily Periodic Rate. The Periodic Rate and\nAnnual Percentage Rate that will apply to your Account will be disclosed on the notice\nthat accompanies (and is a part of) this Agreement when you open your Account.\n15. Conditions Under Which Other Charges May Be Imposed. We may impose the\nfollowing fees and charges on your Account:\n\nThere is no annual fee.\nCash Advance Fee. The fee for a cash advance is the greater of 2.00% of the\ncash advance amount or $5.00.\nLate Fee. A late fee of up to $25 will be imposed when any payment is 15 days past\ndue.\nMiscellaneous Photocopying. If you request a copy of a sales draft or other\ndocument, we may charge your account $5.00 per copy and $35.00 per hour\nresearch. These charges cover the costs of locating, copying and delivering the\ndocuments to you. If a request is related to a billing error and an error is found, we\nwill reverse any photocopying charges and research fees.\nReplacement Card Charge. A $5.00 charge per card will be imposed for each\nreplacement card you request, regardless of the reason.\nConvenience Check Stop Payment. A $25.00 charge will be imposed from each\nconvenience check stop payment request (includes verbal requests)\nATM Surcharges. If you use an ATM that is not operated by us, you may be\ncharged an ATM surcharge by the ATM operator or an ATM network utilized for\nsuch a transaction. The ATM surcharge will be charged to your account if you\nelect to complete the transaction.\nFees and Costs. We may pay someone else to help collect your Account if you do\nnot pay. You agree to pay us all costs to collect your Account, including court\ncosts, reasonable attorney fees and costs, and collection agency costs, if\napplicable, whether or not there is a lawsuit, and fees on any appeal and fees for\nbankruptcy proceedings, appeals, and any post judgment collection services, if\napplicable. These fees and costs may be added to your loan balance and bear\ninterest at the Annual Percentage Rate applicable at that time.\nForeign Transaction Fee: Purchases made in foreign countries will be billed to you\nin U.S. dollars. The currency conversion rate for international transactions as\nestablished by VISA International, Inc. is a rate selected by VISA from the range\nof rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate VISA itself receives, or the\ngovernment mandated rate in effect for the applicable central processing date. In\naddition, you will be charged a Foreign Transaction Fee of up to 1% of the\ntransaction amount for any card transaction made in a foreign country.\n\na.\nb.\nc.\nd.\n\ne.\nf.\ng.\n\nh.\n\ni.\n\nSecurity Interest. To secure your Account, you grant us a purchase money\nsecurity interest under the Uniform Commercial Code in any goods you purchase\nthrough your Account, as allowed by law. If you default, we will have the right to\nrecover any of these goods which have not been paid for through application of your\npayments in the manner described in Section 12. Except for real estate loans or\nloans secured by your dwelling, collateral securing other loans with us also may be\nused to secure this Account.\n\n16.\n\n8/2018\n3/2018\n\n\x0cd\n\nConditions of Card Use. The use of your Card and Account are subject to the\nfollowing conditions:\n\n17.\n\na.\n\nb.\n\nc.\n\nd.\n\ne.\n\nOwnership of Cards. Any Card or other credit instrument or device which we\nsupply to you is our property and must be returned to us, or to any person whom\nwe authorize to act as our agent, or to any person who is authorized to honor the\nCard, immediately according to instructions. The Card may be repossessed at\nany time in our sole discretion without demand or notice. You cannot transfer\nyour Card or Account to another person. You may not use the Card for any\nillegal or unlawful transactions, and we may decline to authorize any transaction\nthat we believe poses an undue risk of illegality or unlawfulness.\nHonoring the Card. Neither we nor merchants authorized to honor the Card will\nbe responsible for the failure or refusal to honor the Card or any other credit\ninstrument or device we supply to you. If a merchant agrees to give you a refund\nor adjustment, you agree to accept a credit to your Account in lieu of a cash\nrefund.\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.\nAll payments should be mailed to us at the remittance address shown on your\nmonthly statements. Payments received at that address will be credited to your\nAccount as of the date received. Payments mailed must reach our office by the\ndue date. Where the due date falls on a weekend or holiday, payments are due\nthe last working day prior to the due date. We can accept late payments or\npartial payments, or checks, drafts, application. You agree to advise us promptly\nif you change your mailing address. All payments should be mailed to us at the\nremittance address shown on your monthly statements. Payments received at\nthat address will be credited to your Account as of the date received. Payments\nmailed must reach our office by the due date. Where the due date falls on a\nweekend or holiday, payments are due the last working day prior to the due\ndate. We can accept late payments or partial payments, or checks, drafts, and\nmoney orders marked \xe2\x80\x9cpayment in full,\xe2\x80\x9d without prejudice to our rights under this\nAgreement, which are hereby explicitly reserved.\nPersonal Identification Number. We may issue you a Personal Identification\nNumber (\xe2\x80\x9cPIN\xe2\x80\x9d) for using your Card to obtain cash advances at automatic teller\nmachines (\xe2\x80\x9cATMs\xe2\x80\x9d). These numbers are issued to you for your security\npurposes. These numbers are confidential and should not be disclosed to third\nparties. You are responsible for safekeeping your PIN. You agree not to disclose\nor otherwise make available your PIN to anyone not authorized to sign on your\nAccounts. To keep your Account secure, please do not write your PIN on your\nCard or keep it in the same place as your Card.\nIf any loan account which you are obligated is 28 days or more days past due,\nwe may refuse to process your electronic funds transfer transactions (except\nACH transactions)\n\nDefault. You will be in default under this Agreement if any of the following occur:\n(a) Any minimum 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\npayable, and you agree to pay that amount plus any attorney\xe2\x80\x99s fees and costs incurred\nby us. We can delay enforcing any right under this Agreement without losing that right\nor any other right.\n\n18.\n\n19. Credit Information/Financial Statements. You authorize us to release\ninformation to others (e.g., credit bureaus, merchants, and other financial institutions)\nregarding the status and history of your credit line. You agree to provide us, at any\ntime we deem necessary, with a current financial statement and/or a new credit\napplication upon request. You authorize us to make or have made any credit,\nemployment, and/or investigative inquiry we deem appropriate for the extension of\n\ncredit, account maintenance, or collection of amounts owing on the Account directly or\nthrough a credit reporting agency.\nLoss or Theft of VISA Credit Card - Liability for Unauthorized Transactions.\nYou agree to notify us immediately, orally, or in writing, at iQ Credit Union, P.O. Box\n1846, Vancouver, Washington 98668-1846, or telephone (360) 695-3441, or (800)\n247-4364 of the loss, of the theft, or the use without your permission of any Card or\nother credit instrument or device which we supply to you. After normal Credit Union\nhours and on weekends and holidays, phone (800) 247-4364 and then notify the\nCredit Union at the first opportunity during business hours. If you notify us of your lost\nor stolen Card, you will not be liable for any losses. This liability exclusion will apply\nprovided you were not grossly negligent or fraudulent in handling your Card, otherwise\nyour liability for unauthorized VISA Credit Card transactions may be up to $50.00.\n20.\n\n21. Address. You agree to advise us promptly if you change your mailing address. We\ncan accept address corrections received from the U.S. Postal Service or from any\nauthorized user. All written notices and statement from us to you will be sent to your\naddress as it appears on our records. Written notices and inquiries from you must be\nsent to us at:\niQ Credit Union\nP.O. Box 1846 Vancouver, WA 98668-1846\n22. Termination. Your eligibility for this credit line is determined by our loan policy and\nmay be terminated at our sole discretion, without demand or notice. You may close\nyour credit line at any time by notifying us in writing and returning all Cards cut in half.\nIf you terminate this Agreement or if we terminate or suspend your credit privileges,\nthe provisions of this Agreement and your liability hereunder shall otherwise remain in\nfull force and effect until you have paid us all sums due us under this Agreement and\nreturned all Cards.\n\nWhat To Do If You Think You Find a Mistake On Your Statement. If you think\nthere is an error on your statement, write to us at the address listed above. In your\nletter, give us the following information:\n23.\n\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 If you think there is an error on your bill, describe what you believe is wrong and\nwhy you believe it is a mistake.\nYou must contact us within 60 days after the error appeared on your statement. You\nmust notify us of any potential errors in writing. You may call us, but if you do we are\nnot required to investigate any potential errors and you may have to pay the amount in\nquestion. While we investigate whether or not there has been an error, the following\nare true:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on\nthat amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount. But, if we determine that we made a mistake,\nyou will not have to pay the amount in question or any interest or other fees\nrelated to that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nYour Rights if you are dissatisfied with your credit card purchases. If you are\ndissatisfied with the goods or services that you have purchased with your credit card,\nand you have tried in good faith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the purchase. To use this right,\nall of the following must be true:\n\xe2\x80\xa2 The purchase must have been made in your home state or within 100 miles of\nyour current mailing address, and the purchase price must have been more than\n8/2018\n\n$50. (Note: Neither of these is necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the\ngoods or services.)\n\xe2\x80\xa2 You 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.\n\xe2\x80\xa2 You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase,\ncontact us in writing at the address listed above:\nWhile we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that point, if we\nthink you owe an amount and you do not pay we may report you as delinquent.\n24. Overdraft Privilege. You agree that if, pursuant to any overdraft privilege on a\nCredit Union Share Draft Account that you have agreed to, there is an overdraft of\nYour Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Visa Credit Card Account, subject to the finance charge provisions\nset forth in \xe2\x80\x9cINTEREST AND FINANCE CHARGES\xe2\x80\x9d as described for cash advances,\nand will be subject to all terms and conditions of this Agreement. The Visa Credit Card\nAccount must be current and not over the credit limit for funds to transfer to the Share\nDraft Account. Overdrafts are not allowed for the purpose of making loan payments,\nincluding Visa Credit Card payments, at the Credit Union, ATM or in-branch teller cash\nwithdrawals. The Share Draft Account referred to herein is also subject to a separate\nagreement between You and the Credit Union. Where the terms of any other\nagreement between You and the Credit Union conflict with the terms of this\nAgreement, the terms of this Agreement will control.\n25. Severability. If any provision of this Agreement is held invalid, all provisions that\nare severable from the invalid provision remain in effect.\n\nAcknowledgment and Amendments. You understand and agree to the terms\nand conditions in this Agreement and the Fair Credit Billing Notice. You acknowledge\nthat you have received a copy of this Agreement and Disclosure and the Fair Credit\nBilling Notice. We reserve the right to amend the terms of this Agreement at any time\nas permitted by and subject to any limitations and notice requirements of applicable\nlaw.\n\n26.\n\n27. Governing Law. This Agreement will not take effect until it is approved by us. This\nAgreement shall be governed by the laws of the State of Washington.\n\nVisa Platinum and\nVISA Platinum\nRewards Credit\nCard\n\nAgreement and\nRegulation \xe2\x80\x9cZ\xe2\x80\x9d\nDisclosures\n\nCall the Credit Union: 360-695-3441\nOutside the area: 800-247-4364\nVisit us at: iQcu.com\n\n3/2018\nM-125419\n\n\x0c'


b'Please read this information carefully. This is your copy of the Professional Platinum VISA Credit Card Agreement\n\n1. Introduction. This Agreement covers this Professional Platinum VISA Credit Card\nissued by iQ Credit Union (\xe2\x80\x9cLender\xe2\x80\x9d). In this Agreement the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d \xe2\x80\x9cyours,\xe2\x80\x9d\n\xe2\x80\x9capplicant,\xe2\x80\x9d and \xe2\x80\x9cBorrowers\xe2\x80\x9d mean the organization or member to or for whom the Cards\nare issued under this Agreement. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cLender\xe2\x80\x9d means\niQ Credit Union. The word \xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards issued under\nthis Account. The following terms and conditions govern this Account.\n2. You Promise to Pay. You promise to pay us in United States dollars, by cash, check,\nor money order as provided in this Agreement, all such amounts, plus FINANCE CHARGES,\nwhich arise from use of the Card or Account by you or any other person, and to be jointly\nand severally liable with such a person, unless such other person does not have actual,\nimplied, or apparent authority for such use, and you received no benefit from the use.\nThis includes any loan requests for credit card purchases, payments to a third party, or\nfor deposit to a deposit, share, or share draft account of yours, or any co-applicant at the\nCredit Union. You agree to pay advances requested by any co-applicant the same as if you\nasked for the loan and it was paid to you.\n3. Purchases and Cash Advances. You must sign the Card to use it. Once you have signed\nthe Card, you can use it to buy or lease goods or services, wherever the Card is honored,\nup to the full amount of your credit line. You also may use your Account and Card to get\ncash advances from us or participating financial institutions. You may use your Card and\npersonal identification number (\xe2\x80\x9cPIN\xe2\x80\x9d) to obtain cash advances at automated teller machines\n(\xe2\x80\x9cATMs\xe2\x80\x9d) designated with the VISA or Plus System networks. The periodic statement will\nidentify the merchant or financial institution, at which transactions were made, but sales,\ncash advances, credit, or other slips cannot be returned with the statement. We may impose\na reasonable charge for photocopies of slips you may request.\n4. Convenience Checks. If we approve, you may obtain advances under your Account\nby writing preprinted loan drafts (\xe2\x80\x9cconvenience checks\xe2\x80\x9d) that we supply to you. Your use\nof convenience checks will be shown as credit advances on your periodic statement. We\nmay not honor the convenience check if it is postdated, payment of the check will exceed\nyour credit limit, a convenience check is signed by a person without authorized access,\nthe amount of the check is less than the minimum required amount, your Account has\nbeen terminated or suspended, or any convenience checks have been reported lost or\nstolen. You may stop payment on a convenience check if you provide us with the exact\ninformation describing the convenience check. If you give us incorrect information, we\nwill not be responsible for failing to stop payment. You understand there may be a charge\nfor convenience check printing and charges for stop payment requests, returned items,\ncheck copies, and other fees or costs we incur in handling your convenience checks. Our\nliability for a wrongful dishonor is limited to your actual losses; however, a dishonor for the\nreasons stated above is not a wrongful dishonor.\n5. Rebate Program. You may earn a 1% cash rebate on your account if you meet the\nfollowing requirements.:\na. Cash Rebate on Net Purchases. You may earn a 1% cash rebate on net purchases\n(purchases less returns for credit) made during the rebate period in which the net\npurchases posted to your account. The cash rebate will be calculated on cumulative\nnet purchases posted to your account for the prior rebate period. To illustrate, let\nus assume during the first rebate period of the year (January \xe2\x80\x93March) your total net\npurchases equal $3500. In this example, we would multiple $3500 by 1% which\nwould equal a cash rebate of $35\nThere are four rebate periods in each calendar year. January 1 through March 31, April\n1 through June 30, July 1 through September 30 and October 1, through December\n31. The cash rebate for the prior rebate period will be credited to your checking or\nsavings account by the 15th day of the month following the end of the prior rebate\nperiod. Your account must remain open and in good standing order to receive the cash\nrebate. If at any time your account is assessed a late fee, is closed or is in default, you\nwill forfeit all cash rebates accrued through the calendar quarter in which your account\nwas closed, or the delinquency or default occurred. The terms and conditions of this\n\nrebate program may be changed or cancelled at any time and for any reason without notice.\n6. Minimum Periodic Payment. Payments received at the mailing address shown on\nyour statement on any business day by 5:00 P.M. Pacific Time will be credited to your\nAccount as of that date; payments received by mail at that address after 5:00 P.M. Pacific\nTime, or on a weekend or federal holiday will be posted to your Account as of the next\nbusiness day. Payment crediting to your Account may be delayed up to five (5) days if your\npayment is received by mail at any other address or not accompanied by the remittance\nportion of your Account statement.\n7. Periodic Statements. If, at the end of any monthly periodic interval which we may determine\nthe \xe2\x80\x9cBilling Cycle,\xe2\x80\x9d you have an outstanding undisputed debit or credit balance in your Account,\nor if there is any FINANCE CHARGE imposed with respect to your Account, we will send you a\nperiodic statement regarding the Account for that Billing Cycle. The statement will show any\npurchases, cash advances, payments, and credits made to your Account during the Billing Cycle,\nas well as your \xe2\x80\x9cNew Balance,\xe2\x80\x9d any FINANCE CHARGE, any late charge, or other charges. You\nmay elect to receive your statement information electronically. Your statement also will identify\nthe \xe2\x80\x9cRequired Payment Due\xe2\x80\x9d you must make for that Billing Cycle and the date it is due. You may\npay in full for all your purchases and cash advances each month or you may repay in monthly\ninstallments. You agree to retain for statement verification copies of transaction slips resulting\nfrom each purchase, each advance, and other transaction on your Account. Unless you notify\nus of a billing error as described below, you accept your monthly statement as an accurate\nstatement of your Account with us.\n8. Credit Line. This Agreement will constitute a revolving line of credit, and we will advise you\nof the amount of your credit line. That amount will be the maximum amount you may have\noutstanding at any one time. You agree not to attempt to obtain more credit than the amount\nof your credit line. However, if you temporarily exceed your credit line, you agree to pay any\noverlimit fees and repay the excess immediately, even if we have not yet billed you. Obtaining\nsuch credit does not increase your credit line. We retain the right to increase or decrease your\ncredit line at any time for any reason. Any increase or reduction on the limit of your credit line\nwill be shown on your monthly statement or by separate notice together with any changes in\nthe applicable minimum monthly payments. The minimum credit limit is $2,500.\n9. Circumstances Under Which a Finance Charge Will Be Imposed. The total outstanding\nbalance of purchases and cash advances in the Account on the closing date of a Billing Cycle,\nincluding any FINANCE CHARGE will be shown on the Periodic Statement for that billing cycle\nas the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\na. Purchases. A FINANCE CHARGE will be imposed on the unpaid portion of purchases\nincluded in the New Balance when your New Balance is not paid in full by the due date\nshown on your periodic statement. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to avoid a FINANCE\nCHARGE on purchases for a billing cycle. However, if you do not pay the New Balance\nfor purchases within the grace period, your FINANCE CHARGE will accrue on any unpaid\npurchase transactions from the first day of the billing cycle.\nb. Cash Advances. A FINANCE CHARGE will be imposed on cash advances from the date\neach cash advance is made. There is no time period within which to pay to avoid a\nperiodic FINANCE CHARGE on cash advances. In addition, a Cash Advance Fee (FINANCE\nCHARGE) equal to two percent (2%) of the advance (or $5.00, whichever is greater), will\nbe applied to each cash advance.\n10. Method Used to Determine the Balance on Which the FINANCE CHARGE May Be\nComputed. We figure the FINANCE CHARGE on your Account by applying the Periodic Rate to\nthe \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of purchases and cash advances for your Account (not including\ncurrent transactions). To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d we take the beginning balance of\nyour Account each day, add any new purchases or cash advances, and subtract any payments\nor credits, unpaid FINANCE CHARGES and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide the total by the number\nof days in the billing cycle. This gives us the \xe2\x80\x9cAverage Daily Balance.\n\n11. Method of Determining the Amount of the FINANCE CHARGE. We figure the\nFINANCE CHARGE for purchases and cash advances by multiplying the Average Daily\nBalance of purchases and cash advances by the number of days in the Billing cycle\nand then by the applicable periodic rate. The FINANCE CHARGE for any Billing Cycle\nwill be the sum of the FINANCE CHARGE for purchases and the FINANCE CHARGE for\ncash advances. However, the portion of your balance that is the result of purchases\nhas a different treatment. If you paid the entire New Balance shown on the previous\nmonthly statement by the payment due date shown on that statement, the portion of\nthe New Balance shown on the current statement that is attributable to purchases\nthat is paid by the payment due date shown on that statement will be excluded from\nthe calculation of the balance each day. For this purpose, payment will be applied\nfirst to unpaid FINANCE CHARGE, then to unpaid purchases and cash advances from\nprior billing statements, then to unpaid purchases and cash advances from the current\nbilling statement. At our option, the minimum payment may be applied first to the\nportion of the balance that is subject to the lowest interest rate. Payments in excess\nof the minimum payment will be applied first to the portion of the balance that is\nsubject to the highest rate..\n12. Periodic Rate and Corresponding ANNUAL PERCENTAGE RATE. The Periodic\nRate that is used to compute the FINANCE CHARGE and the corresponding ANNUAL\nPERCENTAGE RATE is variable, and will change based on changes in an index, which is\nthe Prime Rate quoted on the 15th day of the last month of the prior quarter as published\nin The Wall Street Journal (Western Edition). We add a margin of 4.99 percentage points\nto the index to obtain the ANNUAL PERCENTAGE RATE. The ANNUAL PERCENTAGE RATE\nincludes only interest and not other costs. The ANNUAL PERCENTAGE RATE is divided\nby 365 to produce the daily Periodic Rate. The Periodic Rate and ANNUAL PERCENTAGE\nRATE that will apply to your Account will be disclosed on the notice that accompanies\n(and is a part of) this Agreement when you open your Account. The ANNUAL PERCENTAGE\nRATE will in no event be higher than 18%, over the life of the credit line. The rate will\nbe adjusted on the twenty fifth day of each calendar quarter (January 25, April 25,\nJuly 25, and October 25).\n13. Conditions Under Which Other Charges May Be Imposed. We may impose the\nfollowing fees and charges on your Account:\na. Annual Fee. An annual fee of $25 (per loan) will be charged to your Account\neach year.\nb. Cash Advance Fee. The fee (FINANCE CHARGE) for a cash advance is the greater\nof 2.00% of the cash advance amount or $5.00.\nc. Late Fee. A late fee of $25 will be imposed when any payment is 15 days past due.\nd. Miscellaneous Photocopying. If you request a copy of a sales draft or other\ndocument, we may charge your Account $5 per copy and $35 per hour for\nresearch. These charges cover the costs of locating, copying, and delivering\nthe documents to you. If a request is related to a billing error and an error is\nfound, we will reverse any photocopying charges.\ne. Replacement Card Charge. A $5 charge per card will be imposed for each\nreplacement card you request, regardless of the reason.\nf. Convenience Check Stop Payment. A $25.00 charge will be imposed for each\nconvenience check stop payment request (includes verbal requests).\ng. ATM Surcharges. If you use an ATM that is not operated by us, you may be\ncharged an ATM surcharge by the ATM operator or an ATM network utilized for\nsuch a transaction. The ATM surcharge will be charged to your account if you\nelect to complete the transaction.\nh. Fees and Costs. We may pay someone else to help collect your Account if you\ndo not pay. You agree to pay us all costs to collect your Account, including\ncourt costs, reasonable attorney fees and costs, and collection agency costs, if\n\n\x0capplicable, whether or not there is a lawsuit, and fees on any appeal and fees\nfor bankruptcy proceedings, appeals, and any post judgment collection services,\nif applicable. These fees and costs may be added to your loan balance and bear\ninterest at the ANNUAL PERCENTAGE RATE applicable at that time.\n14. Foreign Transaction Fee: Purchases made in foreign countries will be billed to you\nin U.S. dollars. The currency conversion rate for international transactions as established\nby VISA International, Inc. is a rate selected by VISA from the range of rates available\nin wholesale currency markets for the applicable central processing date, which rate\nmay vary from the rate VISA itself receives, or the government mandated rate in effect\nfor the applicable central processing date. In addition, you will be charged a Foreign\nTransaction Fee of up to 1% of the transaction amount for any card transaction made\nin a foreign country.\n15. Security Interest. To secure your Account, you grant us a purchase money security\ninterest under the Uniform Commercial Code in any goods you purchase through your\nAccount. If you default, we will have the right to recover any of these goods, which\nhave not been paid for through application of your payments in the manner described\nin Section 11. Except for real estate loans or loans secured by a dwelling, collateral\nsecuring other loans with us also may be used to secure this Account. You also pledge\nall of your present and future Credit Union accounts and any earnings thereon as security\nfor obligations under your Account.\n16. Conditions of Card Use. The use of your Card and Account are subject to the\nfollowing conditions:\na. Ownership of Cards. Any Card or other credit instrument or device which we\nsupply to you is our property and must be returned to us, or to any person whom\nwe authorize to act as our agent, or to any person who is authorized to honor the\nCard, immediately according to instructions. The Card may be repossessed at\nany time in our sole discretion without demand or notice. You cannot transfer\nyour Card or Account to another person. You may not use the Card for any illegal\nor unlawful transactions, and we may decline to authorize any transaction that\nwe believe poses an undue risk of illegality or unlawfulness.\nb. Honoring the Card. Neither we nor merchants authorized to honor the Card will\nbe responsible for the failure or refusal to honor the Card or any other credit\ninstrument or device we supply to you. If a merchant agrees to give you a\nrefund or adjustment, you agree to accept a credit to your Account in lieu of a\ncash refund.\nc. Notices 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.\nAll payments should be mailed to us at the remittance address shown on your\nmonthly statements. Payments received at that address will be credited to your\nAccount as of the date received. Payments mailed must reach our office by\nthe due date. Where the due date falls on a weekend or holiday, payments are\ndue the last working day prior to the due date. We can accept late payments\nor partial payments, or checks, drafts, and money orders marked \xe2\x80\x9cpayment in\nfull,\xe2\x80\x9d without prejudice to our rights under this Agreement, which are hereby\nexplicitly reserved.\nd. Personal Identification Number. We may issue you a Personal identification\nNumber (\xe2\x80\x9cPIN\xe2\x80\x9d) for using your Card to obtain cash advances at automatic\nteller machines (\xe2\x80\x9cATMs\xe2\x80\x9d). These numbers are issued to you for your security\npurposes. These numbers are confidential and should not be disclosed to third\nparties. You are responsible for safekeeping your PIN. You agree not to disclose\nor otherwise make available your PIN to anyone not authorized to sign on your\nAccounts. To keep your Account secure, please do not write your PIN on your\nCard or keep it in the same place as your Card.\n17. Default. You will be in default under this Agreement if any of the following occur:\n(a) Any minimum payment is not made when due; (b) You become insolvent, bankrupt,\nor you die; (c) You violate any part of this Agreement, or any other agreement with us;\nor (d) if we reasonably deem ourselves insecure on your credit line. We will notify you\nin writing of any such action as soon as practical if it occurs. Upon default, we may\ndeclare the entire unpaid balance immediately due and payable, and you agree to pay\n\nthat amount plus any attorney\xe2\x80\x99s fees and costs incurred by us. We can delay enforcing any\nright under this Agreement without losing that right or any other right.\n18. Credit Information/Financial Statements. You authorize us to release information to\nothers (e.g., credit bureaus, merchants, and other financial institutions) regarding the status\nand history of your credit line. You agree to provide us, at any time we deem necessary, with a\ncurrent financial statement and/or a new credit application upon request. You authorize us to\nmake or have made any credit, employment, and/or investigative inquiry we deem appropriate\nfor the extension of credit, account maintenance, or collection of amounts owing on the Account\ndirectly or through a credit reporting agency.\n18.1 You agree to advise us promptly if you change your mailing address. We can accept address\ncorrections received from th U.S. Postal Service or from any authorized user. All written notices\nand statement from us to you will be sent to your address as it appears on our records. Written\nnotices and inquiries from you must be sent to us at:\niQ Credit Union\nPO Box 1846\nVancouver, WA 98668-1846\n19. Loss or Theft of VISA Platinum Credit Card - Liability for Unauthorized Transactions.\nYou agree to notify us immediately, orally, or in writing, at iQ Credit Union, P.O. Box 1846,\nVancouver, Washington 98668-1846, or telephone (360) 695-3441, or (800) 247-4364 of the\nloss, of the theft, or the use without your permission of any Card or other credit instrument or\ndevice which we supply to you. After normal Credit Union hours and on weekends and holidays,\nphone (360) 694-5463 or (800) 999-3441 and then notify the Credit Union at the first opportunity\nduring business hours. If you notify us of your lost or stolen Card, you will not be liable for any\nlosses. This liability exclusion will apply provided you were not grossly negligent or fraudulent\nin handling your Card, otherwise your liability for unauthorized Professional Platinum Visa Credit\nCard transactions may be up to $50.00.\n\nProfessional\nPlatinum\nVisa\nCredit Card\nAgreement and\nRegulation \xe2\x80\x9cZ\xe2\x80\x9d\nDisclosures\n\n20. Termination. Your eligibility for this credit line is determined by our loan policy and may\nbe terminated at our sole discretion, without demand or notice. You may close your credit line\nat any time by notifying us in writing and returning all Cards cut in half. If you terminate this\nAgreement or if we terminate or suspend your credit privileges, the provisions of this Agreement\nand your liability hereunder shall otherwise remain in full force and effect until you have paid\nus all sums due us under this Agreement and returned all Cards.\n21. Severability. If any provision of this Agreement is held invalid, all provisions that are\nseverable from the invalid provision remain in effect.\n22. Acknowledgment and Amendments. You understand and agree to the terms and conditions\nin this Agreement and the Fair Credit Billing Notice. You acknowledge that you have received a copy\nof this Agreement and Disclosure and the Fair Credit Billing Notice. We reserve the right to amend\nthe terms of this Agreement at anytime as permitted by and subject to any limitations and notice\nrequirements of applicable law.\n23. Governing Law. This Agreement will not take effect until it is approved by us. This Agreement\nshall be governed by the laws of the State of Washington.\n\nCall the Credit Union: 360-695-3441\nOutside the area: 800-247-4364\nVisit us at : www.iQcu.com\n\n3/16\n\nICN032516\n\n\x0c'


b'13. CREDIT LINE. We have established and advised you of the \xe2\x80\x9cCredit Line\xe2\x80\x9d\nwhich is the limit on the total balance which may be outstanding in your account at\nany one time. You agree not to attempt to obtain more credit than the amount of\nthis Credit Line. However, if you temporarily exceed your Credit Line, you agree\nto repay the excess immediately, even if we have not yet billed you. Obtaining\nsuch credit does not increase your Credit Line; however, we can increase your\nCredit Line at our sole discretion.\n14. LOSS OR THEFT OF CREDIT CARD. You agree to notify us immediately,\norally or in writing, at iQ Credit Union, PO Box 1846, Vancouver, Washington,\n98668, or telephone (360) 695-3441, or (800) 247-4364 of the loss, theft or\nunauthorized use of your Credit Card. After normal Credit Union hours and\non weekends and holidays, phone (360) 694-5463 or (800)999-3441 and\nthen notify the Credit Union at the first opportunity during business hours.\nIf you notify us of your lost or stolen Credit Card, you will not be liable for\nany losses. This liability exclusion will apply provided you were not grossly\nnegligent or fraudulent in handling your Credit Card, otherwise your liability for\nunauthorized VISA Credit Card transactions may be up to $50.\n\n15. TERMINATION. We may terminate or suspend your credit privileges\nunder this agreement, at any time, at our sole discretion, without demand or\nnotice. If we are required by law to give you a reason for adverse action or credit\ndenied, we will do so. You must notify us in writing if you decide to terminate the\nagreement. If you terminate this agreement or if we terminate or suspend your\ncredit privileges the provisions of the agreement and your liability hereunder\nshall otherwise remain in full force and effect until all cards or credit instruments\nor devices issued to you have been canceled and/or returned to us and you\nhave paid us all sums due us.\n\n16. TRANSFER OF ACCOUNT. You cannot transfer your account to any other\nperson.\n17. HONORING THE CARD. Neither we nor merchants authorized to honor\nthe card will be responsible for the failure or refusal of anyone to honor the card\nor any other credit instrument or device we supply you.\n\n18. REFUNDS. If a seller agrees to give you a refund or adjustment, you agree\nto accept a credit to your account in lieu of a cash refund.\n19. ADDRESS. You agree to advise us promptly if you change your mailing\naddress. We can accept address corrections received from the U.S. Postal\nService or from any authorized user. All written notices and statements from us\nto you will be sent to your address as it appears on our records. Written notices\nand inquires from you must be sent to:\niQ Credit Union\nP.O. Box 1846\nVancouver, WA 98668-1846\n\n20. CREDIT REPORTS. You authorize us to make or have made any credit\nemployment and/or investigative inquiry we deem appropriate for the extension\nof credit or collection of amounts owing on the account. We can furnish\ninformation concerning your account to consumer reporting agencies and others\nwho appear to have a business need for that information.\n21. IRREGULAR PAYMENTS. We can accept late payments or partial\npayments, or checks and money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d, without\nprejudice to our rights under this agreement which are hereby explicitly\nreserved.\n22. DEFAULT. You will be in default if you fail to comply with any provision of\nthis agreement, if you provide us with false information or signature, or if you\ndefault on any account or other obligation that you have with us.\n\n23. ACCELERATION. If you are in default as provided above, or if we, in\ngood faith, reasonably believe that the prospect of payment or performance is\nimpaired, amounts you owe us shall, at our option and without notice, become\nimmediately due and payable.\n24. DELAY IN ENFORCEMENT. We can delay enforcing any right under this\nagreement without losing that right or any other right.\n\n25. AMENDMENT. We reserve the right to amend the terms of this\nAgreement at anytime as permitted by and subject to any limitations and\nnotice requirements of applicable law.\n26. SEVERABILITY. If any provision of this agreement is held invalid, all\nprovisions that are severable from the invalid provision remains in effect.\n\n27. OWNERSHIP OF CARDS. Any card or other credit instrument or device\nwhich we supply to you is our property and must be returned to us, or any person\nwhom we authorize to act as our agent, or any person who is authorized to honor\nthe card, immediately according to instructions. The card may be repossessed\n\nat any time at our sole discretion without any demand or notice. We will issue you a\npersonal identification number (PIN) for use with your card at ATMs. The numbers are\nissued to you for your security purposes. These numbers are confidential and should not\nbe disclosed to third parties. You are responsible for safekeeping your PIN. You agree\nnot to disclose or otherwise make available your PIN to anyone not authorized to sign\non your accounts. To keep your account secure, do not write your PIN on your card or\nkeep it in the same place as your card.\n28. GOVERNING LAW. This agreement will not take effect until it is approved by the\nCredit Union in the State of Washington. All payments shall be made to the Credit Union\nat the Credit Union\xe2\x80\x99s offices within the State of Washington. This Agreement shall be\ngoverned by the laws of the State of Washington.\n29. By the use of the iQ Credit Union Visa Credit Card you acknowledge receipt of\nthe Agreement and agree to the terms herein.\n\nVisa\nCredit Card\n\nYOUR BILLING RIGHTS \xe2\x80\x93 keep This Notice for Future Use.\n\nThis notice contains important information about your rights and our responsibilities\nunder the Fair Credit Billing Act.\nNotify Us in Case of Errors or Questions about your Bill.\n\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 the address listed on your bill. Write to us as\nsoon as possible. We must hear from you no later than 60 days after we sent you the\nfirst bill on which the error or problem appeared. You can telephone us, but doing so\nwill not preserve your rights.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain, if you can, why you believe there is an error. If\nyou need more information, describe the item you are not sure about.\n\nAgreement and\nRegulation \xe2\x80\x9cZ\xe2\x80\x9d\nDisclosures\n\nYour Rights and Our Responsibilities After We Receive Your Written Notice\n\nWe must acknowledge your letter within 30 days, unless we have corrected the error\nby then. Within 90 days, we must either correct the error or explain why we believe\nthe bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report\nyou as delinquent. We can continue to bill you for the amount you question, including\nInterest Charges, and we can apply any unpaid amount against your Credit Line. You\ndo not have to pay any questioned amount while we are investigating, but you are still\nobligated to pay the parts of your bill that are not in question.\n\nIf we find that we made a mistake on your bill, you will not have to pay any Interest\nCharges related to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you may have\nto pay Interest Charges, and you will have to make up any missed payments of the\nquestioned amount. In either case, we will send you a statement of the amount you\nowe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent.\nHowever, if our explanation does not satisfy you and you write to us within ten days\ntelling us that you still refuse to pay, we must tell anyone we report you to that you have\na question about your bill. And we must tell you the name of anyone we reported you\nto. We must tell anyone we report you to that the matter has been settled between us\nwhen it finally is.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50 of the questioned amount,\neven if your bill was correct.\nSpecial Rule for Credit Card Purchases\n\nIf you have a problem with the quality of property 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 have the right not to pay the remaining amount due on the property or services.\nThere are two limitations on this right;\n(a)\n\nYou must have made the purchase in your home state or, if not within your home\nstate, within 100 miles of your current mailing address, and\n\n(b)\n\nThe purchase must have been more than $50.\n\nThese limitations do not apply if we own or operate the merchant, or if we mailed you\nthe advertisement for the property or services.\nCall the Credit Union: (360) 695-3441\nOutside the area: (800) 247-4364\nTDD: (360) 695-9626\nVisit Us At: www.iQcu.com\n\n11/14\n\nICN0626\n\n\x0cVISA Credit Card Agreement\nand\nRegulation \xe2\x80\x9cZ\xe2\x80\x9d Disclosures\nPlease read this information carefully. This is your copy of the VISA Credit Card Agreement and Disclosures made pursuant to the Truth in Lending Act.\n\n1. INTRODUCTION. This Agreement covers your VlSA Credit Card (\xe2\x80\x9cCard\xe2\x80\x9d)\nissued through iQ Credit Union. In this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d and\n\xe2\x80\x9cyours\xe2\x80\x9d mean any joint obligator, guarantor, authorized user or the person whose\nname is embossed on the Card. The words \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean iQ Credit\nUnion.\nYou do not have to sign this agreement, but once you or any person permitted or\nallowed by you has received this Card, any other card issued for this account or\ncard privilege, and retained it, signed it, or used it, you and they will be bound by\nthe terms and conditions of it, just as if you and they have signed it.\n\n2. YOU PROMISE TO PAY. You promise to pay us in United States dollars, by\ncash, check or money order as provided by this agreement, all such amounts,\nplus Interest Charges which arise from such use of the Card by you or any other\nperson, and to be jointly and severally liable with such a person, unless such other\nperson does not have actual, implied or apparent authority for such use, and you\nreceived no benefit for the use.\n\n3. PURCHASES AND CASH ADVANCES. You may use your account for\npurchases of services and merchandise from participating sellers or lessors of\ngoods, labor, insurance, and/or services that honor your Card. You may not use\nyour card for any illegal or unlawful transactions, and we may decline to authorize\nany transaction that we believe poses an undue risk of illegality or unlawfulness.\nWe may decline transactions from certain merchants or certain locations that we\nbelieve are at elevated risk of fraud. You may also use your account and Card\nto get cash advances from participating financial institutions. You may use your\ncard and personal identification number to obtain cash advances at automated\nteller machines designated with the VISA or Plus System networks. The monthly\nstatement will identify the merchant or financial institution at which transactions\nwere made, but sales, cash advance, credit or other slips cannot be returned with\nthe statement. You will retain the copy of such slips furnished at the time of the\ntransaction in order to verify the monthly statement. The Credit Union may make\na reasonable charge for photocopies of slips you may request.\n\n4. CONVENIENCE CHECkS. If we approve, you may obtain advances under\nyour account by writing preprinted loan drafts (convenience checks) that we supply\nto you. Your use of convenience checks will be shown as credit advances on your\nperiodic statement. We may not honor the convenience check if it is post-dated,\npayment of the check will exceed your credit limit, a convenience check is signed\nby a person without authorized access, the amount of the check is less than the\nminimum required amount, your account has been terminated or suspended, or\nany convenience checks have been reported lost or stolen. You may stop payment\non a convenience check if you provide us with the exact information describing the\nconvenience check. If you give us incorrect information, we will not be responsible\nfor failing to stop payment. You understand there may be a charge for convenience\ncheck printing and charges for stop payment requests, returned items, check copies,\nand other fees or costs we incur in handling your convenience checks. Our liability\nfor a wrongful dishonor is limited to your actual losses; however, a dishonor for the\nreasons stated above is not a wrongful dishonor.\n\n5. PERIODIC STATEMENTS. If at the end of any monthly periodic interval which\nwe may determine the \xe2\x80\x9cBilling Cycle\xe2\x80\x9d, you have an outstanding undisputed debit\nor credit balance in your account, or if there is any Interest Charge imposed with\nrespect to your account, we will send you a periodic statement regarding the account\nfor that Billing Cycle. The statement will show any purchases, cash advances,\nand payments or credits made to your Account during that billing cycle, as well as\nyour \xe2\x80\x9cNew Balance\xe2\x80\x9d. Your statement will identify also the \xe2\x80\x9cRequired Payment Due\xe2\x80\x9d\nyou must make for that billing period and the date it is due. You may pay in full for\nall your purchases and cash advances each month or you may repay in monthly\ninstallments. You agree that the periodic statement is correct and accepted by you\nunless we receive from you proper written notification of a billing error, within 60\ndays after we mailed the periodic statement to you.\n6. CONDITIONS UNDER WHICH A INTEREST CHARGE WILL BE IMPOSED.\nThe total outstanding balance of purchases and cash advances in the Account on\nthe closing date of any Billing Cycle, including any Interest Charge, will be shown\non the Periodic Statement for that Billing Cycle as the \xe2\x80\x9cNew Balance\xe2\x80\x9d.\n\n(a) PURCHASES. An Interest Charge will be imposed on the unpaid portion of\npurchases included in the New Balance and on purchases posted during the\nfollowing Billing Cycle when your New Balance is not paid in full by the due date\nshown on your periodic statement. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to avoid a\nInterest Charge on purchases for a billing cycle. However, if you do not pay the\nNew Balance for purchases within the grace period, your Interest Charge will\naccrue on any unpaid purchase transactions from the first day of the billing cycle\nand on new purchases from the date of the purchase.\n(b) CASH ADVANCES. An Interest Charge will be imposed on cash advances from\nthe date posted to the account to the date paid. The Interest Charge as disclosed\non the statement is only figured through the statement date. The Interest Charge\nwill continue to accrue from that date to the date paid. There is no time within which\nto pay to avoid this Interest Charge. In addition, a cash advance fee Interest\nCharge equal to 2% of the cash advance (or $5.00, whichever is greater) will be\napplied to each cash advance.\n\n7. THE METHOD OF DETERMINING THE BALANCE UPON WHICH A\nINTEREST CHARGE MAY BE IMPOSED. The Interest Charge on your account\nwill be figured by applying the Daily Periodic Rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d\nof your account including current transactions and multiplying this figure by the\nnumber of days in the Billing Cycle. To compute the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d, we\ntake the beginning balance of your account each day, add any new Purchases/ Cash\nAdvances and subtract any payments, credits, and unpaid Interest Charges. This\ngives us the daily balances. Then we add up all the daily balances for the Billing Cycle\nand divide the number of days in the Billing Cycle. This gives us the \xe2\x80\x9cAverage Daily\nBalance\xe2\x80\x9d.\n8. METHOD OF DETERMINING THE AMOUNT OF THE INTEREST CHARGE.\nThe Interest Charge based on a periodic rate is figured by applying the Daily\nPeriodic Rate to the Average Daily Balance of purchases and cash advances\nby the number of days in the Billing Cycle.\n\n(a) Visa Classic (purchases) - The Periodic Rate that is used to compute the Interest\nCharge and the corresponding Annual Percentage Rate is variable, and will change\nbased on changes in an index, which is the Prime Rate quoted on the 15th day of\nthe last month of the prior quarter as published in The Wall Street Journal (Western\nEdition). We add a margin of 9.99 percentage points to the index to obtain the\nAnnual Percentage Rate. The Annual Percentage Rate includes only interest and\nnot other costs. The Annual Percentage Rate is divided by 365 to produce the daily\nPeriodic Rate. The Periodic Rate and Annual Percentage Rate that will apply to\nyour Account will be disclosed on the notice that accompanies (and is part of) this\nAgreement when you open your Account. The Annual Percentage Rate will in no\nevent be higher than 18%, over the life of the credit line. The rate will be adjusted\non the twenty fifth day of each calendar quater (January 25, April 25, July 25, and\nOctober 25).\n(b) Visa Gold- The Daily Periodic Rate for Visa Gold purchases is .035479%, with a\ncorresponding ANNUAL PERCENTAGE RATE of 12.95%.\n(c) The Daily Periodic Rate for cash advances (including balance transfers) on\nVisa Classic and Gold accounts is .04658% with a corresponding ANNUAL\nPERCENTAGE RATE of 16.99%.\n\xe2\x80\x9cThe Interest Charge for any Billing Cycle will be the sum of the Interest Charge for\npurchases and the Interest Charge for cash advances. However, the portion of your\nbalance that is the result of purchases has a different treatment. If you paid the entire\nNew Balance shown on the previous monthly statement by the payment due date shown\non that statement, the portion of the New Balance shown on the current statement that is\nattributable to purchases that is paid by the payment due date shown on that statement will\nbe excluded from the calculation of the balance each day. For this purpose, payment will\nbe applied first to unpaid Interest Charge, then to unpaid purchases and cash advances\nfrom prior billing statements, then to unpaid purchases and cash advances from the current\nbilling statement. At our option, the minimum payment may be applied first to the portion of\nthe balance that is subject to the lowest interest rate. Payments in excess of the minimum\npayment will be applied first to the portion of the balance that is subject to the highest rate.\nIrrespective of the rates that apply to different balances, no portion of the payment will\nbe applied to unbilled balances until all previously billed balances have been paid in full.\n\n9. THE CONDITIONS UNDER WHICH ANY OTHER CHARGES MAY BE\nIMPOSED.\n(a) Membership Fee: An Annual Membership Fee for the VISA Cards is:\nVisa Classic\n$ 5\nVisa Gold\n$ 15\nYou may avoid these fees based on your Member Rewards level. See\nthe Service Pricing Schedule or iQcu.com for details.\n(b) Fees and Cost: We may pay someone else to help collect your account\nif you do not pay. You also will pay us that amount. This includes our\nreasonable lawyer\xe2\x80\x99s fees whether or not there is a lawsuit, including\nfees on any appeal, subject to limits set by applicable law. You will\nalso pay any court costs. These fees and costs may be added to your\nloan balance and bear interest at the ANNUAL PERCENTAGE RATE\napplicable at that time.\n(c) Research and Copying: If you ask us to examine your account or provide\ncopies of documents, except in resolution of a billing error, we may charge\nyou $5 for each copy and $25 per hour for research.\n(d) Convenience Check Stop Payment: A $25.00 charge will be imposed\nfor each convenience check stop payment request (includes verbal\nrequests).\n(e) Card Replacement: A $5 card replacement fee may be imposed to replace\na lost or damaged card. If you request delivery of your replacement card\non an expedited basis (i.e., by other than first class mail), we may charge\nan expedited delivery fee.\n(f) Late Fee: A late fee will be imposed when any payment is 15 days past\ndue. A late fee of up to $15 will be imposed if the outstanding balance is\nless than $250 and a late fee of up to $25 will be imposed if the balance\nis $250 or more.\n(g) Surcharge: If you use an ATM that is not operated by us, you may be\ncharged an ATM surcharge by the ATM operator or an ATM network utilized\nfor such a transaction. The ATM surcharge will be debited from your account\nif you elect to complete the transaction.\n(h) Foreign Transaction Fee: Purchases made in foreign countries will be\nbilled to you in U.S. dollars. The currency conversion rate for international\ntransactions as established by VISA International, Inc. is a rate selected\nby VISA from the range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the\nrate VISA itself receives, or the government mandated rate in effect for\nthe applicable central processing date. In addition, you will be charged a\nForeign Transaction Fee of up to 1% of the transaction amount for any\ncard transaction made in a foreign country.\n10. SECURITY INTEREST. We retain no security interest in any property\nunder this agreement unless you have executed a separate security agreement\nwith us. Any such security interests so granted remain in effect until expressly\nreleased by us.\n\n11. THE MINIMUM PERIODIC PAYMENT REQUIRED. Minimum payment will\nbe the greater of $25 or 3% of any new balance, rounded to the nearest dollar,\nplus the greater of any amount past due or any amount in excess of your credit\nline.\n12. PAYMENTS. Payments received at the mailing address shown on your\nstatement on any business day by 5:00 P.M. Pacific Time will be credited to\nyour Account as of that date; payments received by mail at that address after\n5:00 P.M. Pacific Time, or on a weekend or federal holiday will be posted to\nyour Account as of the next business day. Payment crediting to your Account\nmay be delayed up to five (5) days if your payment is received by mail at any\nother address or not accompanied by the remittance portion of your Account\nstatement.\n\n\x0c'