RED CANOE CREDIT UNION VISA PLATINUM CREDIT CARD ACCOUNT AGREEMENT  This VISA Platinum Credit Card Account Agreement (�Agreement�) and the Account Disclosures  accompanying this Agreement will govern your VISA Platinum Credit Card and account (�Account�) issued by Red Canoe Credit Union (�Credit Union�).  In this Agreement, the words "you," "your," "yours," "applicant," and "Borrower " mean any person who signs the application for this Account, any joint obligor, guarantor, authorized user, or the person whos e name is embossed on the Card.  The words "we," "us," "our," and "Credit Union" mean Red Canoe Credit Union.  The word "Card" means any one or more credit cards issued under this Account.  If you sign an application for this Account or sign or use any Car d or PIN, or allow others to use the Card or PIN, you and they will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound b y the following terms and conditions which will govern this Account.  1. YOU PROMISE TO PAY.  You promise to pay us all amounts, plus any Interest Charges , which arise from use of the Card or Account by you or any other person, and to be jointly and severally liable with such a person, unless such other person does not have actual, implied, or apparent authority for such use, and you received no benefit from the use.  You promise to pay us either by direct payment or by automatic transfers from shares or by payroll deduction.  2. ACCOUNT ACCESS. You must sign the Card to use it.  Once you have signed the Card, you can use it to buy or lease goods, services, or insurance wherever the Card is honored, up to the full amount of your Credit Line.  You may use your Account to get cash advances from us.  You may also use your Card to get  a cash advance from participating financial institutions and to access your line of credit at automatic teller machines (�ATMs�) within the VISA network or any other ATMs.  Balance transfers are treated as purchases.  The maximum cash advance limit is 100% of your credit limit. 3. CREDIT LINE.  If we approve your application, this Agreement will constitute a revolving line of credit for an amount which will be the Credit Line under your Account.  We will advise you of the amount of your Credit Line.  That am ount will be the maximum amount you may have outstanding at any one time.  You agree not to attempt to obtain more credit than the amount of your Credit Line.  However, if you temporarily exceed your Credit Line, you agree to repay the excess immediately, even if we have not yet billed you.  Obtaining such credit does not increase your Credit Line.  We retain the right to increase or decrease your Credit Line at any time.  Any increase or reduction in the amount of your Credit Line will be shown on your monthly statement or by separate notice together with any changes in the applicable Minimum Monthly Payments.  Your eligibility for this Credit Line is determined by our loan policy and may be terminated at our sole discretion, without demand or notice.  You may close your Credit Line at any time by notifying us in writing and returning all Cards cut in half.  If you terminate this Agreement or if we terminate or suspend your credit privi leges, the provisions of this Agreement and your liability hereunder shal l otherwise remain in full force and effect until you have paid us all sums due us under this Agreement and returned all Cards.  4. OVERDRAFT PROTECTION. If we approve your request for overdraft protection, you may access your Credit Line by overdrawing your checking account. We will treat any overdraft item as a request for an  advance on your Credit Line. Overdraft transfers will be made in amounts sufficient to cover the overdrawn item. The fee for overdraft transfers is set forth on the Rate and Fee Schedule.   Overdraft transfers from your Credit Line will be governed by your Membership and Account Agreement and this Agreement . You understand that any owner on your checking account may obligate you to repay overdraft advances by overdrawing the checking account.  5. MINIMUM MONTHLY PAYMENT.  We will mail you a statement every month if your Account has a balance. You agree that you will pay each month not less than the minimum monthly payment on or before the closing date. The minimum monthly payment will be 3.0% of your outstanding balance (�New Balance�) or $25, whichever is greater. If your outstanding balance is $25 or less, you agree to pay the balance in full. You may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or money orders marked �payment in full� without prejudice t o our rights under this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or rev ersal of fees does not constitute a minimum payment. The minimum monthly payment may be allocated at the Credit Union�s discretion to pay off lower rate balances , such as promotional offers, before higher rate balances, such as cash advances or purchases.  Payments in excess of the minimum monthly payment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If you choose to skip that payment, Interest Charges  will continue to accrue in accordance with this Agreement.  Payments received at:  Red Canoe Credit Union Payment Center, PO Box 3020, Longview, WA 98632, on or before 5:00 PM Pacific Time on any business day will be credited to your Account as of that date; payment s received by mail at that address after 5:00 PM Pacific Time or on a weekend will be posted to your Account as of the next business day.  6. SECURITY INTEREST.  By signing your application, to secure your Account, you granted us a purchase money security int erest under the Washington Uniform Commercial Code in any goods you purchase through your Account.  If you default, we will have the right to recover any of these goods that have not been paid for through application of your payments in the manner described in Section 5.  In addition, you granted us a security interest in all your shares and deposits, present and future, and all accounts (exc ept Individual Retirement Accounts and Keogh Accounts) with the Credit Union to secure your Account and agree, upon default, the Credit Union may apply all that is secured to pay any amounts due under this Agreement, without further notice to you.  You further agree that collateral securing other loans with the Credit Union (except loans secured by real property) also secures this Account.  7. PERIODIC STATEMENTS.  Each month, if your outstanding balance exceeds $1, we will send you a statement showing new purchases, cash advances, payments, and credits made to your Account during the billing period, your Previous Balance, your "Total New Balance," any Interest Charge, and any other charges.  Your statement also will identify the remaining Credit Line available and the Minimum Monthly Payment you must make for that billing period and the date it is due.  F or statement verification purposes, you agree to retain copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account.  Unless you notify us of a billing error as described below, you accept your monthly statement as an accurate statement of your Account with us. 8. CIRCUMSTANCES UNDER WHICH AN INTEREST CHARGE WILL BE IMPOSED.  The total outstanding balance of purchases and cash advances in the Account on the closing date of a billing period, including any Interest Charge will be shown on the Periodic Statement for that billing period as the "New Balance."   a. Cash Advances.  An Interest Charge will be imposed on cash advances from the date each cash advance is made.  There is no time period within which to pay to avoid a periodic In terest Charge on cash advances. b. Purchases.  Your due date is approximately 25 days after the close of each billing period.  An Interest Charge will be imposed on the portion of purchases included in the New Balance that is not paid by the due date.  This �grace period� allows you to avoid an  Interest Charge on purchases for a billing period.  However, if you do not pay the New Balance for purchases within the grace period, your Interest Charge will accrue on any unpaid purchase transactions from the first day of the billing period in which the payment is due. 9. METHOD USED TO DETERMINE THE BALANCE ON WHICH THE INTEREST CHARGE MAY BE COMPUTED AND AMOUNT OF INTEREST CHARGE.  The Credit Union figures the Interest Charge on your Account by multiplying the "Average Daily Balance" of purchases and cash advances for your Account (including current transactions)  by the Daily Periodic Rate, and then we multiply the result by the number of days in the billing period.  To get the "Average Daily Balance" we take the beginning balance of your Account each day, add any new purchases or cash advances, and subtract any payments or credits, unpaid Interest Charge and unpaid late charges.  This gives us the daily balance.  Then, we add up all the daily balances for the billing period and divide the total by the number of days in the billing period.  This gives us the "Average Daily Balance."  To get the �Daily Periodic Rate,� we divide the Annual Percentage Rate in effect for the billing period by 365.  10. PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.   a. Standard Rates.  The Annual Percentage Rate(s) and corresponding Daily Period Rate(s) that are used to compute the Interest Charge for your Account are based upon your credit qualification and are disclosed in the Account Disclosure and each monthly billing statement.   b. Introductory Rates.  At our discretion, we may offer you an introductory or promotional Annual Percentage Rate for your Account.  Any introductory or promotional Annual Percentage Rate will be subject to the terms of the offer and this Agreement, including but not limited to the Penalty APR described below.   We will provide you with information on the offer, including the time period the introductory or promotional Annual Percentage Rate is in effect in the Account Disclosure or in other materials that we send to you about the offer after you receive your Credit Card.  c.  Penalty APR.  The Daily Periodic Rate and Annual Percentage Rate may increase if your minimum payment has not been received within 60 days after the due date for such payment, in which case we may increase the Annual Percentage Rate for your entire balance to 19.90% (�Penalty APR�).  We will send you advance written notice that your Annual Percentage Rate will be increasing.  Following implementation of the Penalty APR, if you make your payments on time for six (6) consecutive months, the Penalty APR will terminate and the prevailing variable Annual Percentage Rate will apply.  11. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED.  You agree to pay the following fees and charges on your Account. a. Late Fee.  If we do not receive your minimum payment within 3 days of the due date, you agree to pay a late fee of $25.  b. Copying Fee.  We may charge you $13 for each VISA draft copy you request for your Account.  If the request relates to a billing error and we determine that a billing error was made, any photocopying charges will be refunded.  c. Returned Item Fee.  If any check or draft we receive from you as payment for any amount you owe to us is returned to us unpaid, you agree to pay a returned item fee of up to $25.  d. ATM Fee.  If you use an ATM to obtain a cash advance and the ATM is not operated by us, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized for such a transaction.  The ATM surcharge may be charged to your Account if you complete the transaction.   e. Attorney's Fees and Costs.  If you default on any part of this Agreement, you agree to pay us all costs to collect your Account, including court costs and reasonable attorney fees whether or not there is a lawsuit, and fees on any appeal and fees for bankruptcy proceedings, appeals, and any post -judgment collection services, if applicable.  These fees and costs may be added to your Account balance and will bear interest at the Annual Percentage Rate in effect at that time. 12. CONDITIONS OF CARD USE.  The use of your Card and Account are subject to the following conditions:  a. Use.  Your Card and Account may be used only for valid and lawful purposes.  You may not use your Card (i) to make Purchases or obtain Cash Advances for any illegal transaction, or (ii) for any internet or online gambling transactions.  If you use your Card for any illegal or prohibited transaction, this Agreement also applies to such tr ansaction and you agree to pay any and all amounts related to such transaction pursuant to the terms of this Agreement. We may, in our sole discretion, restrict the use of or terminate your Card if we notice excessive use of your Card or other suspicious activities or if we reasonably believe the Card is or has been used for one or more illegal or prohibited transactions.  b. Ownership of Cards.  Any Card or other credit instrument or device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions.  The Card may be repossessed at any time in our sole discretion without demand or noti ce.  You cannot transfer your Card or Account to another person.  c. Honoring the Card.  We may decline to honor any transaction for any reason.  Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other credit instrument or device we supply to you.  If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund.  d. Currency Conversion/International Transaction Fee. Purchases and cash advances made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected by VISA from the range of rates available in wholesale currency mark ets for the applicable central processing date, which rate may vary from the rate VISA itself receives, or the government -mandated rate in effect for the applicable central processing date.  In addition, you will be charged an International Transaction Fee of 1% of the transaction amount for any card transac tion made in a foreign country. e. Notices and Payments.  All notices will be sent to your address as shown in the application.  You agree to advise us promptly if you change your mailing address.  All payments should be mailed to us at the remittance address shown on your monthly   statements.  Payments received at that address will be credited to your Account as of the date received.  Written notices and inquiries to us must be sent to:  Red Canoe Credit Union PO Box 3020 Longview, WA 98632 (800) 562-5611 f. Personal Identification Number.  If we issue you a Personal Identification Number ("PIN") for use with your Card in accessing your line of credit at ATMs, these numbers are issued to you for your secur ity purposes.  These numbers are confidential and should not be disclosed to third parties.  You are responsible for safekeeping your PIN.  You agree not to disclose or ot herwise make available your PIN to anyone not authorized to sign on your Account.  To keep your Account secure, please do not write your PIN on your Card or keep it in the same place as your Card.  13. LOAN PROTECTION.  Loan Protection coverage is not required for any extension of credit under this Agreement.  However, you may purchase any loan protection available through us and have the monthly fee added to your outstanding balance as purchases.  If you elect to do so, we will give you the necessary disclosures and documents separately.  14. DEFAULT.  You will be in default under this Agreement i f any of the following occur:  (a) Any Minimum Monthly Payment is not made when due; (b) You become insolvent, bankrupt, or you die; (c)  You violate any part of this Agreement, or any other agreement with us; or (d) If we reasonably deem ourselves insecure with respect to your Account.  Upon default, we may declare the entire unpaid balance immediately due and payable, and you agree to pay that amount plus any attorney's fees and costs we incur, including fees and costs in any appeal or bankruptcy proceeding.  We can delay enforcing any right under this Agreement without losing that right or any other right.  We will notify you in writing of any such action as s oon as practical if it occurs. 15. GOVERNING LAW.  This Agreement will not take effect until it is approved by us.  This Agreement shall be governed by the laws of the State of Washington. 16. SEVERABILITY.  If any provision of this Agreement is held invalid, the remaining provisions that are severable shall remain in effect. 17. LOSS OR THEFT OF CARD.  You agree to promptly notify us immediately of the loss, or the theft, or the use without your permission, of any Card or other credit instrument or device which we supply to you.  You may be liable for the unauthorized use of your card if we reasonably determine your handling of your Card or account was negligent or fraudulent. You will not be liable for unauthorized use which occurs after you notify:  Red Canoe Credit Union, PO Box 3020, Longview, WA 98632, Telephone:  (800) 562-5611, orally or in writing of loss, theft, or possible unauthorized use.  In any case, your liability shall not exceed $50.  18. CREDIT INFORMATION/FINANCIAL STATEMENTS.   You authorize us to release information to others (e.g., credit bureaus, merchants, and other financial institutions) regarding the status and history of your Credit Line.  You agree to provide us, at any time we deem necessary, with a current financial statement and/or updated credit information upon request. We may investigate your  credit directly or through a credit reporting agency. 19. AMENDMENTS.  We reserve the right to change any terms or conditions of this Agreement at any time, to the extent permitted by applicable law. We will notify you of the changes to this Agreement as required by law.  20. BILLING ERRORS NOTICE, YOUR CREDIT CARD BILLING RIGHTS.  Keep this document for future use. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  What To Do If You Find A Mistake On Your Statement . If you think there is an error on your statement, write to us at:  Red Canoe Credit Union, PO Box 3020, Longview, WA 98632.  In your letter, give us the following information:  � Account information: Your name and account number.  � Dollar amount: The dollar amount of the suspected error.  � Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. � You must contact us: � Within 60 days after the error appeared on your statement.  � At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 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 to pay the amount in question.  What Will Happen After We Receive Your Letter . When we receive your letter, we must do two things:  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. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correc t. While we investigate whether or not there has been an error:  � We cannot try to collect the amount in question or report  you as delinquent on that amount. � The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  � While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  � We can apply any unpaid amount against your credit limit.  � After we finish our investigation, one of two things will happen:  � 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.    � If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 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 owe.  If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you ar e questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settl ed between us. 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. Your Rights If You Are Dissatisfied With Your Credit Card Purchases . If you are dissatisfied with the goods or services that you have purchased with 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 the purchase. To use this right, all of the following must be true:  1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.   (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services .) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.  3. You must not yet have fully paid for the purchase.  If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the above address. 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.  21. Military Lending Disclosures. The following disclosures are provided and apply to the borrower who is a Covered Member as described below. a.  Borrower Certification of Active Duty.  By requesting a Credit Card each borrower certifies to the Credit Union that borrower:  (i) is a Covered member as a member of the Armed Forces who is currently serving on active duty (under a call or order not less than 30 days) Active Guard or Reserve duty; and (ii) borrower is the Covered Member or is a dependent of the Covered Member.  Borrower(s) authorize the Credit Union to verify their status as a Covered Member or dependent by obtaining information from the database of the Department of Defense or from a consumer report obtained from a consumer reporting agency.  b. Military Annual Percentage Rate. 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%.  This rate must include, as applicable to the credit tr ansaction or account:  the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for a credit card account); and any participati on fee charged (other than certain participation fees for a credit card account). c. Payment Obligation. Your payment obligation under your Credit Card Account is set forth in Sec. 1 and 4 above in the Credit Card Agreement. d. Security Interest.  The Credit Union�s security interest in all your Credit Union shares or deposits pursuant to the Credit Card Agreement will not apply your Credit Card Account.  A security interest in shares or deposits granted in connection with any other credit card account, loan or line of credit does not secure the Credit Card Ac count identified above, in spite of any provision that collateral securing one loan secures all of your other Credit Union obligations.  However, if you establish a deposit or shar e account specifically in connection with your Credit Card Account, funds deposited in that account after you establish the Credit Card Account are subject to our security interest as set forth above in the Credit Card Agreement.  e. Credit Union Toll-Free Telephone Number (800) 562-5611. Call this number for verbal information about  the Military Annual Percentage Rate and your payment obligation.  22. ACKNOWLEDGMENT.  You understand and agree to the terms and conditions in this Agreement and the Fair Credit Billing Notice.  You acknowledge that you have received a copy of this Agreement , the Account Disclosure, and the Fair Credit Billing Notice. This Agreement is a final expression of the agreement between you and the Credit Union.    Page 1 - VISA PLATINUM CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE   �2018 Farleigh Wada Witt Red Canoe Credit Union VISA Platinum Credit Card Account Disclosures  
INTEREST RATES AND INTEREST CHARGES  
Annual Percentage Rate (APR) for 
Purchases and Cash Advances 4.90% Introductory APR for 6 months from date of account opening.  
After that, your APR will be 8.90%-19.90% based on your 
creditworthiness . 
Annual Percentage Rate (APR) for 
Balance Transfers  Your APR will be 8.90%-19.90% when you open your account based on your 
creditworthiness  
Penalty APR and When it Applies 19.90%, This APR may be applied to your account if you make a late payment. 
How Long Will the Penalty APR Apply?  If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum 
payments when due.  
Paying Interest  Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.  
For Credit Card Tips from the 
Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore. 
FEES  
Annual Fee  None  
Transaction Fees  None  
Penalty Fees 
� Late Payment Fee 
� Returned Payment Fee   $25. Up to $25. 
How We Will Calculate Your Balance: We use a method called �average daily balance� (including new purchases).  Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment  Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Account Agreement. These Account Disclosures for the VISA Platinum Credit Card are part of and integrated with your VISA Platinum Credit Card Agreement with Red Canoe Credit Union. We reserve the right to amend the VISA Platinum Credit Card Agreement as permitted by law. The above rates and fees ar e effective as of ________.