CREDIT CARD AGREEMENT     
  
  
  
  
    IN  THIS  AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON W HO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE                              
    DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS OREGON STATE CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR                             
    CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH THEREIN.               
  
                                            Others Using Your Account. If you allow anyone else to use your account,               
     THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR            
                                            you will be liable for all credit extended to such persons. You promise to pay                 
     THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.         
                                            for all purchases and advances made by anyone you authorize to use your               
     YOU          SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY  your account, whether or not you notify us that he or she will be using it. If                   
     INTEREST IN ALL INDIVIDUAL AND JOINT  ACCOUNTS YOU HAVE            someone else is authorized to use your account and you want to end that                
     WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF             person's privilege, you must notify us in writing, and if he or she has a Card,                  
     CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE           you must return that Card with your written notice for it to be effective.                
     THAT WE  HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE           
     AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY              Ownership of Card. Your Card remains our property and may be cancelled              
     YOUR SHARES TO THE AMOUNT YOU OWE.          by us at any time without notice.  You agree to surrender your Card and to                 
                                            discontinue use of the account immediately upon our request.           
     Shares  and deposits in an Individual Retirement  Account  or  any  other             
     account that would lose special tax treatment under state or federal law if               
                                            Interest Charges. You agree to pay interest at the rate(s) disclosed to you at                
     given are not subject to this security interest.          
                                            the             time  in  accordance  with  applicable  law.  Average  Daily  Balance 
     If you have other loans with us, collateral securing such loans  will also                including new transactions: Interest Charges will accrue on your average           
     secure your obligations under this Agreement, unless that other collateral             daily balance outstanding during the month. To get the average daily balance,             
     is your principal residence or non-purchase money household goods.            we  take  the beginning  balance  each               day,  add  any  new  purchases,  cash 
                                           
                                            advances, balance transfers or other advances, and subtract any payments,            
    Acceptance  of Card.  If  you sign  an  application  for  the  Oregon  State               unpaid interest charges,  and  unpaid  late  charges.  This  gives  us  the daily              
    Credit Union Visa credit card, or sign or use any card(s) issued, or use                 balance. Then, we add up all the daily balances for the billing cycle and divide           
    or allow others to use your Account, you and they will have accepted                that by the number of days in the billing cycle. We then multiply that by the                  
    this Agreement just as if you and they signed it and you and they, jointly           periodic rate corresponding to the Annual Percentage Rate on your account.             
    and severally, will be bound by the terms and conditions.             If you have different rates for purchases, cash advances or balance transfers,              
                                            separate              average  daily  balances  for  each  will  be  calculated  and  the 
    Using Your Card. You can purchase or lease goods and services from any               
                                            appropriate periodic rate is then applied to each.          
    merchant who honors your Card, and you may obtain cash advances from              
    financial institutions and ATMs that accept the Card. You may withdraw up to                Grace  Period  on  Purchases  Only:  You  can  avoid  Interest Charges  on             
    $2,500 per day by cash advance and up to $500 per day by ATM. You agree                   purchases by paying the full amount of the new balance for purchases each               
    not to present your Card for any extension of credit in excess of your available                month by the date on which the payment is due. Otherwise, the new balance                
    credit               limit.  Transactions  that  would  exceed  your  credit  limit  will  not  be  of your account, and subsequent advances from the date they are posted to               
    honored. Certain purchases and cash advances require authorization prior to             the account, will be subject to an Interest Charge. You cannot avoid Interest               
    completion of the transaction. In some cases, you may be asked to provide                Charges on cash advances and balance transfers; even if you pay the entire               
    identification. If our system is not working, we may not be able to authorize a                  cash advance balance or balance transfer balance by the payment due date,              
    transaction,  even  though  you  have  sufficient  credit  available.  For security             you will incur the Interest Charges accrued from the date the cash advance or               
    reasons,  we  reserve  the  right  to  block  the  use                  of  your  Card  in  certain  balance transfer is posted to your account.         
    countries or geographic areas, place a daily purchase limit on your Card and/               
    or place transaction limitations based on the transaction type. We will have               Fees. In addition to the Interest Charges set forth above, you agree to also                
    no liability to you or others if any of these events occur.               pay any and  all fees that you incur  as  disclosed to you  on  your  Truth-in-                
                                            Lending Statement or similar disclosures (as may be amended from time to              
    Personal                        Identification  Number  (PIN).  We  may   issue  a  Personal  time), or as disclosed to you during the term of your Card.              
    Identification Number (PIN) for use with your Card. This PIN is confidential             
    and should not be disclosed to anyone. You may use your PIN and your Card                  If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You                
    to access your account, and all sums advanced will be added to your account               agree to notify us immediately if  your  Card is ever lost  or  stolen or if an                  
    balance. In the event a use  of  your  PIN constitutes  an Electronic Funds  unauthorized use may have occurred. "Unauthorized use" means the use of 
                                                             
    Transfer,                     the  terms  and  conditions  of  your  Electronic  Funds  Transfer  the Card by someone other than you who does not have actual, implied or                
    Agreement may affect your rights.        apparent authority for such use, and from which you receive no benefit. The               
                                            telephone number to call is (541) 714-4000. You agree to follow up your call                
    Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,                  with  notice in writing to us  at:  Oregon State Credit  Union, PO  Box 306,                
    cash advances, and balance transfers made by you or anyone whom you               Corvallis, OR 97339-0306.  You also agree to assist us in determining the              
    authorize to use the Card; (b) all Interest Charges and all other charges or                 facts, circumstances and other pertinent information relating to any loss, theft             
    fees; (c) collection costs and attorney's fees as permitted by applicable law,              or possible unauthorized use of your Card and comply with such procedures              
    and any costs incurred in the recovery of the Card; and (d) credit in excess of              as we may require in connection with our investigation. You will be liable for                
    your credit limit that we may extend to you.            any unauthorized use only if we can prove that you were negligent in your use               
                                            or                              handling  of  your  Card,  or  if  we  can  prove  that  you  used  your  Card 
    Illegal Transactions. You agree that your Card and account will not be used               
                                            fraudulently.   
    to make or facilitate any illegal transactions as determined by applicable law;              
    and                     that  any  such  use  will  constitute  an  event  of  default  under  this  Minimum Payment Due; Crediting of Payments. Payments are due in the             
    Agreement. We may decline any transaction that we believe to be illegal               amount              and  on  the  date  disclosed  on  your  billing  statement.  Payments 
    under applicable law, including but not limited to any transaction involving or               received  at: PO Box 306, Corvallis, OR 97339-0306 at  or before 5:00 PM               
    relating to any gambling activity.  You agree that we will have no liability or                 Pacific Time on the date the payment is due will be credited to your Account                 
    responsibility  for  any such use by you                          or  any  authorized  user(s);  or  for  as                 of  that  date; payments received by mail at that  address after 5:00 PM 
    declining any such transaction. You further agree to indemnify and hold us               Pacific Time, on a weekend or federal holiday will be posted to your Account                
    harmless from any suits, liability, damages or adverse action of any kind that                as of the next business day. If payment is made at any location other than the                  
    results directly or indirectly from such illegal use. You promise to pay us any                 address designated  on the periodic statement, credit for such payment may             
    and all amounts owing on your Card for any transactions made by you, even                 be delayed up to five (5) days. You agree that you will pay each month not                  
    if the transaction is determined to be illegal.           less than the minimum monthly payment on or before the scheduled monthly              
                                            due              date.  The  minimum  payment  is  disclosed  on  the  Truth-in- Lending 
    Joint Accounts. Each of you will be responsible, jointly and severally, for the               
                                            Statement                and  may  change  from  time  to  time  upon  notice  to  you  in 
    repayment                 of  amounts  owed,  regardless  of  who initiated  any  transaction 
                                            accordance with applicable law. You may pay in full for all your purchases               
    under the account.     
    9011 LASER FIS FI15931 Rev 1-2020         page 1 of 3       COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.           
  
  
  
    IN  THIS  AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON W HO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE                              
    DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS OREGON STATE CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR                             
    CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH THEREIN.               
  
    and cash advances each month, or you may repay in monthly installments.               Termination; Change-in-Terms. We may,  by written notice, terminate this           
    The minimum payment may be allocated at the Credit Union's discretion to               Agreement  at  any time,  subject to  applicable  law.               You  may terminate this 
    pay off lower  rate balances, such  as promotional  offers, before higher rate               Agreement by written notice. Termination by either party shall not affect your              
    balances, such as cash advances or purchases. Payments in excess of the               obligation to repay any balance on  your  account resulting from use of the               
    minimum payment will be allocated first to higher rate balances, as applicable.               Card  as  well  as  Interest  Charges  and  fees  incurred. We may change the               
    From time to time, we may allow you to skip your minimum monthly payment                 terms of this Agreement, including the method of calculating the periodic rate,         
    due. If  you choose to skip that payment, Interest Charges  will continue to                at                 any time, by written  notice, subject to applicable  law.  Use of  the Card 
    accrue in accordance with this Agreement. If you pay in excess of the total                 constitutes             agreement  and  acceptance  of  any  change  in  terms,  unless 
    outstanding balance on your card, the excess will be transferred back to the                applicable law requires otherwise. Our failure to exercise any of our rights or               
    source from which the funds came from rather than showing a credit to your                 to  take                 any  action  shall  not  constitute  a  waiver  of  those  rights,  or  an 
    account.                                amendment or change in any of the terms of this Agreement.             
    Default; Acceleration; Credit Suspension; Collection Costs. You will be in             Late or Partial Payments. Any payment that delays the reduction of your              
    default if: (1) you fail to make any payment on time; (2) if you fail to keep any                     balance                        will   increase   your  total  interest  costs.   Partial  payments  or 
    promises you have made under this Agreement or under other Agreements              prepayments will not delay your next scheduled payment -              you will still need 
    you have with us; (3) if you die; (4) if you file a petition in bankruptcy or have                     to make the minimum scheduled payment by the next scheduled due date to               
    a bankruptcy petition filed  against  you,  or  if  you  become involved in  any                keep your account current. We may accept late payments, partial payments,             
    insolvency,  receivership  or  custodial  proceeding;  (5)  if  anyone attempts to             checks or money orders marked "payment in full" and such action shall not               
    take any of your funds held by us via legal process or if you have a judgment                    constitute final settlement of your account or a waiver or forgiveness of any               
    or                 tax  lien  filed  against  you;  (6)  if  you  make  any  false,  inaccurate,  or  amounts owing under this Agreement.       
    misleading statements in any credit application or credit update; or (7) if we, in              
                                            Enforcement. We do not lose our rights under this or any related agreement if                
    good faith, believe that your ability to repay what you owe is or soon will be                  
                                            we delay enforcing them. If any provision of this or any related agreement is         
    impaired, or that you are unwilling to make your payments.            
                                            determined to be unenforceable or invalid, all other provisions remain in full              
    If you are in default, we have the right to demand immediate payment of your                  force and effect.     
    full              account  balance  without  giving  you  notice.  If  immediate  payment  is 
                                            Returns and Adjustments. Merchants and others who honor the Card may             
    demanded, you agree to continue paying interest charges and fees until what              
                                            give credit for returns or adjustments, and they will do so by submitting a                
    you owe has been paid, and any shares that were given as security for your                 
                                            credit slip which will be posted to your account. If your credits and payments                
    account                may  be  applied  towards  what  you  owe.  You  agree  to  pay  all 
                                            exceed what you owe us, the amount will be applied against future purchases          
    reasonable costs of collection, including court costs and attorney's fees, and             
                                            and cash advances. If the credit balance amount is $1 or more, it will be                 
    any costs incurred in the recovery of the Card, subject to applicable law. Even             
                                            refunded upon your written or verbal request.         
    if your unpaid balance is less than your credit limit, you will have no credit                 
    available during any time that any aspect of your account is in default.                Plan Merchant Disputes. We are not responsible for the refusal of any plan               
                                            merchant               or  financial  institution  to  honor  your  Card.  Also,  we  are  not 
    Suspension  of  Electronic  Services  and  Access  to  Share  or  Deposit             
                                            responsible for goods or services that you purchase with the Card unless: (a)               
    Accounts. Subject to applicable law, we may suspend some or all electronic            
                                            your               purchase  was  made  in  response  to  an  advertisement  we  sent  or 
    services  and  access to your checking or  other  account(s) if  you  become              
                                            participated in sending you; or (b) your purchase cost more than $50 and was           
    delinquent on any of your loan or deposit obligations to us or you cause a loss                  
                                            made from a plan merchant in your state or within 100 miles of your home;                 
    to us. We shall not be liable to you in any regard in connection with such                  
                                            and only if you have made a good faith attempt, but have been unable to                 
    suspension of services.     
                                            obtain              satisfaction  from  the  plan  merchant.  You  must  resolve  all  other 
    Additional Benefits/Card Enhancements. We may from time to time offer             disputes directly with the plan merchant. We do not warrant any merchandise              
    additional               services  to  your  Account  at  no  additional  cost  to  you.  You  or services purchased by you with the Card.          
    understand that we are not obligated to offer such services and may withdraw              
                                            Statements and Notices. Statements and notices will be mailed to you at the               
    or change them at any time.        
                                            most recent postal address or e-mail address (if you have elected to receive               
    Convenience Checks. We may, at our discretion, issue checks to you which              such documents via electronic means) you have given us. Notice sent to any               
    may be used for any purpose other than making a payment for credit to your                  one of you will be considered notice to all.           
    account. By signing such check,  you authorize us to pay the item for the                
                                            Notification of Address Change.  You will notify us promptly if you change              
    amount indicated and post such amount as a cash advance to your account.               
                                            your address for any reason. In order to prevent identity theft, your identity               
    We do not have to pay any item which would cause the outstanding balance                
                                            may need to be verified before we act upon the notification.             
    in your account to exceed your credit limit.          
                                            Copy Received.  You acknowledge that you have received a copy of  this              
    Credit Information. We may from time to time request personal information             
                                            Agreement.   
    from you or obtain credit reports from the credit reporting agencies for the               
    purpose              of  updating  your  credit  status.  Your  failure  to  provide  such  Governing Law. This Agreement shall be construed under federal law and             
    information              when  requested  by  us  may  result  in  suspension  of  credit  state law in the state in which we are primarily located, and the venue shall be                  
    privileges under this Agreement, including your  ability to obtain any future              located in the county and state in which we are primarily located. Operating               
    advances by any means. You authorize us to investigate your credit standing               regulations                of  Visa may also  apply. This Agreement  is the  contract  that 
    when              opening  or  reviewing  your  account.  You  authorize  us  to  disclose  applies to all transactions even though the sales, cash advance, convenience             
    information regarding your account to credit bureau and creditors who inquire              check, credit or other slips you sign or receive may contain different terms.               
    about your credit standing.      
                                            NOTICE             TO  UTAH  BORROWERS:  This  written  agreement  is  a  final 
    Foreign          Transactions;  Currency  Conversion.  Purchases  and  cash  expression of the agreement between you and the Credit Union. This written              
    advances made in foreign currencies will be billed to you in U.S. dollars. The                 agreement may not be contradicted by evidence of any oral agreement.             
    conversion rate in dollars will be a rate selected by the card company from a                 
    range  of              rates  available  in  wholesale currency  markets  for  the applicable 
    central processing date, which rate may vary from the rate the card company               
    itself receives, or the government-mandated rate in effect for the applicable             
    central processing date in each instance. All transactions processed outside            
    of the United States (which may include internet transactions) will be charged              
    a foreign transaction fee in the amount disclosed on your Truth-in-              Lending 
    Statement (as amended from time to time).         
  
                                                      
                                      
    9011 LASER FIS FI15931 Rev 1-2020         page 2 of 3       COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.           
  
  
  
          IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:            
     The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military                                
     Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (�MLA�)), and (a) your loan is unsecured or secured by personal property or a vehicle                           
     that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving                                  
     line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).                                  
     1.    NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.                        
      In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36                              
      percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection                         
      fees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain  application fees for                        
      specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive                        
      this notice verbally, please call 1-800-732-0173 during our normal business hours: 8:30 a.m. to 5:30 p.m., Monday through Friday.                     
     2.    This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection                          
      with this loan (�Secured Account�). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization                        
      provision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject                            
      to the Military Lending Act.       
      However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the                 
      sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.                      
     3.    Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to                         
      waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from                         
      you in order to exercise your legal rights; or (d) Prepayment penalties.              
     4.    Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to                        
      these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms                      
      and conditions of the consumer credit contract shall remain in full force and effect.                
  
  
                                                                                   
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE           
                                                                                   
  
    This notice tells you about your rights and our responsibilities under the               After we finish our investigation, one of two things will happen:             
    Fair Credit Billing Act.                 �                    If we made a mistake: You will not have to pay the amount in question or 
                                              any interest or other fees related to that amount.           
    What To Do If You Find A Mistake On Your Statement             
                                             �                   If we do not believe there was a mistake: You will have to pay the amount 
    If you think there is an error on your statement, write to us at the address(es)                   in question, along with applicable interest and fees. We will send you a               
    listed on your statement.                 statement of the amount you owe and the date payment is due. We may                
                                              then report you as delinquent if you do not pay the amount we think you                 
    In your letter, give us the following information:         
                                              owe.   
     1. Your name and account number.        
     2. The dollar amount of the suspected error.           If you  receive  our explanation but still believe your bill is wrong, you must                
     3. If you think there is an error on your bill, describe what you believe                  write to us within 10 days telling us that you still refuse to pay. If you do so,                    
      is wrong and why you believe it is a mistake.             we  cannot               report  you  as  delinquent  without  also  reporting  that  you  are 
                                            questioning  your  bill. We must  tell  you the name  of  anyone to whom we                
    You must contact us:      
                                            reported you as delinquent, and we must let those organizations know when              
     �              Within 60 days after the error appeared on your statement. 
                                            the matter has been settled between us.         
     �                At least 3 business days before an automated payment is scheduled, if 
      you want to stop payment on the amount you think is wrong.               If we do not follow all of the rules above, you do not have to pay the first $50                     
                                            of the amount you question even if your bill is correct.             
    You must notify us of any potential errors in writing. You may call us, but if you               
    do, we are not required to investigate any potential errors and you may have                 Your Rights If You Are Dissatisfied With Your Credit Card Purchases             
    to pay the amount in question.          
                                            If you are dissatisfied with the goods or services that you have purchased with             
    What Will Happen After We Receive Your Letter           your credit card, and you have tried in good faith to correct the problem with                 
                                            the merchant, you may have the right not to pay the remaining amount due on                 
    When we receive your letter, we must do two things:            
                                            the purchase.    
     1. Within 30 days of receiving your letter, we must tell you that we received              
      your letter. We will also tell you if we have already corrected the error.                 To use this right, all of the following must be true:             
     2.    Within 90 days of receiving your letter, we must either correct the error                1. The purchase must have been made in your home state or within 100                
      or explain to you why we believe the bill is correct.              miles of your current mailing address, and the purchase price must have             
                                              been  more  than  $50.  (Note:  Neither               of  these  are  necessary  if  your 
    While we investigate whether or not there has been an error:             
                                              purchase was based  on  an  advertisement we mailed to you,  or if we               
     �                         We cannot  try  to  collect  the  amount  in  question,  or  report  you  as  own the company that sold you the goods or services.)            
      delinquent on that amount.      
                                             2. You must have used your credit card for the purchase. Purchases made              
     �                The charge in question may remain  on  your statement,  and we may  with cash advances from an ATM or with a check that accesses your               
      continue to charge you interest on that amount.           credit card account do not qualify.        
     �    While you do not have to pay the amount in question, you are responsible                
                                             3.    You must not yet have fully paid for the purchase.             
      for the remainder of your balance.        
                                            If  all                  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the 
     �    We can apply any unpaid amount against your credit limit.             
                                            purchase, contact us in writing at the address(es) listed on your statement.              
                                            While  we  investigate,  the  same  rules               apply  to  the  disputed  amount  as 
                                            discussed               above.  After  we  finish  our  investigation,  we  will  tell  you  our 
                                            decision. At that point, if we think you owe an amount and you do not pay, we                   
                                            may report you as delinquent.       
  
    9011 LASER FIS FI15931 Rev 1-2020         page 3 of 3       COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.