1.INTRODUCTION:ThisVISACreditCardAgreement(Agreement)andtheAccountDisclosuresaccompanyingthisAgreementwillgovernyourVISACreditCardandaccountissuedbyFibreFederalCreditUnion.Inthisagreementthewords"you"and"your","yours",and"cardholder"meananyjointobligor,guarantor,authorizeduserofthisCard.Thewords"we","us", "our", and "Credit Union" mean the Fibre Federal Credit Union. 2.RESPONSIBILITY:IfweissueyouaCard,youagreetorepayalldebtsandtheInterestChargearisingfromtheuseoftheCardandtheCardaccount.Forexample,youareresponsibleforchargesmadebyyourself,yourspouseandminorchildren.YouarealsoresponsibleforchargesmadebyanyoneelsetowhomyougivetheCard,andthisresponsibilitycontinuesuntiltheCardisrecovered.Youcannotdisclaimresponsibilitybynotifyingus,butwewillclosetheaccountfornewtransactionsifyousorequestandreturnallCards.Yourobligationtopaytheaccountbalancecontinueseventhoughanagreement,divorcedecreeorothercourtjudgmenttowhichwearenotapartymaydirectyouoroneoftheotherpersonsresponsibletopaytheaccount.AnypersonusingtheCardisjointlyresponsiblewithyouforchargesheorshemakes,butifthatpersonsignstheCard,heorshebecomes a party to this Agreement and is also jointly responsible for all charges on the account, including yours.4.LOSSORTHEFTOFCARD:YouagreetonotifyusimmediatelyatFibreFederalCreditUnion,P.O.Box1234,Longview,Washington98632,(phone:360-423-8750)orFiservEFT,(phone:1-800-472-3272)orallyorinwritingofloss,theftorunauthorizeduseofyourCard.Youwillnotbeliableforanylossesprovidingyouwerenotgrosslynegligentorfraudulentinhandling your Card or Account.  In any event, your liability for unauthorized transactions shall not exceed $50. 5.CREDITREPORTS:Youauthorizeustomakeorhavemadeanycredit,employmentand/orinvestigativeinquirywedeemappropriatetoqualifyyouforaVISACreditCardortocollectamountsowingontheaccount.Wecanfurnishinformationconcerningyouraccounttoconsumerreportingagenciesandotherswhoappeartohaveabusinessneedfortheinformation.Californiaresidents:Asrequiredbylaw,youareherebynotifiedthatanegativecreditreportreflectingonyourcreditrecordmaybesubmittedtoacreditreportingagencyifyou fail to fulfill the terms of your credit obligations. 6.CREDITLINE:Ifweapproveyourapplication,wewillestablishaself-replenishingLineofCreditforyouandnotifyyouofitsamountwhenweissuetheCard.YouagreenottolettheaccountbalanceexceedthisapprovedCreditLine.EachpaymentyoumakeontheaccountwillrestoreyourCreditLinebytheamountofthepaymentwhichisappliedtotheprincipal.YoumayrequestanincreaseinyourCreditLinebyoralorwrittenapplicationtous,whichmustbeapprovedbyourloanofficer.BygivingyouwrittennoticeourloanofficermayreduceyourCreditLinefromtimetotime,orwithgoodcause,revokeyourCardandterminatethisAgreement.GoodcauseincludesyourfailuretocomplywiththisAgreement,orouradversere-evaluationofyourcreditworthiness.YoumayalsoterminatethisAgreementatanytime,butterminationbyeitherofusdoesnotaffectyourobligationtopaytheaccountbalance.  The Cards remain our property and you must recover and surrender to us all Cards upon our request and upon termination of this Agreement. 7.MINIMUMMONTHLYPAYMENT:Wewillmailyouastatementeverymonthifyouraccounthasabalance.Youagreethatyouwillpayeachmonthnotlessthantheminimummonthlypaymentbytheduedateshownonyourstatement.Theminimummonthlypaymentwillbe3.0%ofyouroutstandingbalance(“NewBalance”)or$10.00,whicheverisgreater.Ifyouroutstandingbalanceis$10.00orless,youagreetopaythebalanceinfull.Youmaypayinfullforallyourpurchasesandcashadvanceseachmonth,oryoumayrepayinmonthlyinstallments.Wecanacceptlatepaymentsorpartialpayments,orchecks,drafts,ormoneyordersmarked“paymentinfull”withoutprejudicetoourrightsunderthisAgreement,whichareherebyexplicitlyreserved.Acreditpostingfromamerchantorreversaloffeesdonotconstituteaminimumpayment.TheminimummonthlypaymentmaybeallocatedattheCreditUnion’sdiscretiontopayofflowerratebalances,suchaspromotionaloffers,beforehigherratebalances,suchascashadvancesorpurchases.Paymentsinexcessoftheminimummonthlypaymentwillbeallocatedfirsttohigherratebalances,asapplicable.Fromtimetotime,wemayallowyoutoskipyourminimummonthlypaymentdue.Ifyouchoosetoskipthatpayment,InterestChargewillcontinuetoaccrueinaccordancewiththisAgreement.Paymentsreceivedat:FibreFederalCreditUnion,POBox1234,LongviewWA98632atorbefore5:00PMPacificTimeonanybusinessdaywillbecreditedtoyourAccountasofthatdate;paymentsreceivedbymailatthataddressafter5:00PMPacificTime,onaweekendorfederalholidaywillbepostedtoyourAccountasofthenextbusinessday.PaymentcreditingtoyourAccountmaybedelayeduptofivedaysifyourpaymentisreceivedbymailatanyother address or not accompanied by the remittance portion of your Account statement. 8.IRREGULARPAYMENTS:Wecanacceptlatepaymentorpartialpaymentsorchecksandmoneyordersmarked"paymentinfull"withoutprejudicetoourrightsunderthisAgreement, which are hereby explicitly reserved. CircumstancesunderwhichanInterestChargewillbeimposed:Thetotaloutstandingbalanceofpurchasesandcashadvances,includingunpaidfinancechargesandunpaidlatechargesonyouraccountontheclosingdateofanybillingcyclewillbeshownonyourmonthlystatementforthatmonthasthe'NewBalance'.TheInterestChargewill be imposed on your account under the following conditions: Purchases:AnInterestChargewillbeimposedontheportionofpurchasesincludedintheNewBalancethatremainsunpaidonebillingcyclefollowingtheclosingdate(average30days).This“graceperiod”allowsyoutoavoidanInterestChargeonpurchasesforabillingcycle.However,ifyoudonotpaytheentireNewBalanceforpurchaseswithinthegraceperiod,yourInterestChargewillaccrueonanyunpaidpurchasetransactionsfromthefirstdayofthebillingcycleafterthecycleinwhichtheyoccurred, and on subsequent purchase transactions from the date of purchase.(1)Page: 1 of 3  Rev. 10/03/2011VISA    Fibre Federal Credit UnionVISA Line of Credit Agreement and DisclosureCashAdvances:InterestChargeswillbeimposedoncashadvancesfromthedatethecashadvanceispostedtoyouraccountuntilpaid.Thereisnograceperiodinwhichyou may avoid Interest Charges on cash advances. MethodusedtodeterminethebalanceonwhichtheInterestChargemaybecomputed:WefiguretheInterestChargeonyourAccountbyapplyingthePeriodicRatetothe"AverageDailyBalance"ofpurchasesandcashadvancesforyourAccount(includingcurrenttransactions).Togetthe"AverageDailyBalance"wetakethebeginningbalanceofyourAccounteachday,addanynewpurchasesorcashadvances,andsubtractanypaymentsorcredits,unpaidInterestChargeandunpaidlatecharges.Thisgivesusthedailybalance.Then,weaddupallthedailybalancesforthebillingcycleanddividethetotalbythenumberofdaysinthebillingcycle.Thisgivesusthe"AverageDaily Balance."  Balances that are subject to the grace period are excluded from the average daily balance calculation.MethodofDeterminingtheInterestCharge:AnyInterestChargeshownonyourmonthlystatementisdeterminedasfollows:Wefigurethetotal"InterestCharge"onyouraccount by applying the Periodic Rate to the "Average Daily Balance" of your account for the billing cycle and multiplying that result by the number of days in the billing cycle. AnnualPercentageRate:TheAnnualPercentageRate(s)applicabletoaccountareshownbelow.Toobtaintheperiodicrate,wedividetheAnnualPercentageRateby365.10.  THE CONDITIONS UNDER WHICH ANY OTHER CHARGES MAY BE IMPOSED: LatePaymentFee:Ifyourminimumpaymentisnotpaidwhendue,youwillbesubjecttoalatepaymentchargeupto$15.00.ResearchandCopying:Ifyouaskustoexamineyouraccountorprovidedraftcopiesorcopiesofotherrelateddocuments,exceptinresolutionofabillingerror,wemaycharge you $20.00 for each copy and $10.00 per hour for the research. CardReplacement:Afeeof$5.00willbechargedforallcreditcardreplacementrequests,e.g.memberhasanamechange,losesordestroyscardthroughcarelessness,etc.a.AnnualMembershipFee:Thereisnoannualmembershipfee.TelecommunicationCharges:AnyfeesassessedforInternationalauthorizationsobtainedbytelephone,fax,telexandcable.Account:PreauthorizationPaymentCancellationService:Forastoppaymentonarecurringpreauthorizedpaymentfromyourcreditcardaccountthefeeis$15.00.3.JOINTLIABILITY:Ifyouareaco-borrower,asshownbyyoursigningtheapplicationforthisAgreement,youagreetobeequallyresponsiblewiththeotherborrower.Wedonothavetonotifyyouifpaymentontheaccountisnotmadebytheotherborrowerontime.Ifthisisajointaccount,uponrequestbyanypartytotheaccountoruponourreceiptofinconsistent instructions, we may terminate this Account, refuse any request for any advance, or refuse any other request with respect to the account.9.  INTEREST CHARGES:MemberGuardProtection:Youunderstandthatyoumayvoluntarilypurchasepaymentprotection.Ifyouwishtoobtainpaymentprotectionthroughusthecostandtermwillbeassetforthonseparatedocumentsthatweprovide.Ifyouchoosetopurchasepaymentprotectionyouagreethatthecostoffeesforthisprotectionmaybeaddedtotheprincipal amount of your Account which may increase the number of monthly payments.(1)(2)b.c.d.a.b.c.d.e.f.g.Date:VisaClassic.TheAnnualPercentageRateis10.5%.Theperiodicrateis.028767%.VISAPlatinum.ForpurchasesandbalancetransfersfromotherfinancialinstitutionsthatoccurduringthefirstsixbillingcyclesofyourAccount,theAnnualPercentageRateis1.90%andtheperiodicrateis.005205%.ThistemporaryratewillbeineffectthroughtheendofthesixthbillingcycleforyourAccount.(Thetemporaryinitialratedoesnotapplytocashadvances.)Aftertheinitialrateexpires,theAnnualPercentageRateforbothnewandexistingbalancesisasfollows.Theannualpercentagerateforpurchasesandbalancetransfersfromotherfinancialinstitutionsis8.90%,andtheperiodicrateis.024384%.Theannualpercentagerateforcashadvancesis10.50%,and the periodic rate is .028767%.(2)Fibre Federal Credit UnionVISA Line of Credit Agreement and DisclosurePage: 2 of 3  Rev. 10/03/2011VISAAccount:Date:11.PURCHASESANDCASHADVANCES:YoumustsigntheCardtouseit.OnceyouhavesignedtheCard,youcanuseittobuyorleasegoods,forservices,orinsurancewhereverVisaCreditCardsarehonored,uptothefullamountofyourCreditLine.Youmayuseyouraccounttogetcashadvancesfromus.YoumayalsouseyourCreditCardtogetacashadvancefromparticipatingfinancialinstitutionsandtoaccessyourLineofCreditatautomatictellermachines(ATMs)operatedaspartoftheVISAATMNetwork.TotheextentanyothercardsissuedbytheCreditUnionallowyoutoaccessyourCreditLineatATMs,suchtransactionsaregovernedbythisAgreement.IfyouuseanATMthatisnotoperatedbyus,youmaybechargedanATMsurchargebytheATMoperatororanATMnetworkutilizedforsuchatransaction.TheATMsurchargewillbedebitedfromyouraccountifyouelecttocompletethetransaction.YoumaynotusetheCardforanyillegalorunlawfultransaction,andwemaydeclinetoauthorizeanytransactionthatwebelieveposesanundueriskofillegalityorunlawfulness.UseofyourVisaLineofCreditforoverdraftprotectionwillbeappliedtoyourloanasacashadvance.OverdraftprotectiontransactionsonyourVisaLineofCredit will be governed by this agreement.12.PERSONALIDENTIFICATIONNUMBER:Uponyourwrittenrequestwewillissueapersonalidentificationnumber("PIN")forusewithyourCardinaccessingyourLineofCreditatautomatedtellermachines.Thesenumbersareissuedtoyouforyoursecuritypurposes.Thesenumbersareconfidentialandshouldnotbedisclosedtothirdparties.YouareresponsibleforsafekeepingyourPIN.YouagreenottodiscloseorotherwisemakeavailableyourPINtoanyonenotauthorizedtosignonyouraccounts.Tokeepyouraccountsecure,please do not write your PIN on your card or keep it in the same place as your card. 14.OWNERSHIPOFCARDS:AnyCardorothercreditinstrumentordevicewhichwesupplytoyouisourpropertyandmustbereturnedtous,oranypersonwhomweauthorizetoactasouragent,oranypersonwhoisauthorizedtohonortheCard,immediatelyaccordingtoinstructions.TheCardmayberepossessedatanytimeatoursolediscretionwithoutdemand or notice. 15.ACCELERATION:Ifyouareindefaultasprovidedabove,orifweingoodfaithreasonablybelievethattheprospectofpaymentorperformanceisimpaired,amountsyouoweusshall, at our option and without notice, become immediately due and payable. 16.HONORINGTHECARD:NeitherwenormerchantsauthorizedtohonoraVisaCreditCardwillberesponsibleforthefailureorrefusalofanyonetohonortheCardoranyothercredit instrument or device we supply to you. 17.DELAYINENFORCEMENT:WecandelayenforcinganyrightunderthisAgreementwithoutlosingthatrightoranyotherright.18.SEVERABILITY.IfanyprovisionofthisAgreementisheldinvalid,allprovisionsthatareseverablefromtheinvalidprovisionremainineffect.19.RETURNSANDADJUSTMENTS:MerchantsandotherswhohonortheVisaCreditCardmaygivecreditforreturnsoradjustments,andtheywilldosobysendingusacreditslipwhichwewillposttoyouraccount.Ifyourcreditsandpaymentsexceedwhatyouoweus,wewillholdandapplythiscreditbalanceagainstfuturepurchasesandcashadvances,orifitis $1.00 or more, refund it on your written request or automatically after 6 months. 20.FOREIGNTRANSACTIONS:PurchasesandcashadvancesmadeinforeigncountrieswillbebilledtoyouinU.S.dollars.ThecurrencyconversionrateforinternationaltransactionsasestablishedbyVISAInternational,Inc.isarateselectedbyVISAfromtherangeofratesavailableinwholesalecurrencymarketsfortheapplicablecentralprocessingdate,ratesmayvaryfromtheratesVISAitselfreceives,orthegovernment-mandatedrateineffectfortheapplicablecentralprocessingdate.Inaddition,youwillbechargedaForeignTransaction Fee of 1% of the transaction amount for any card transaction made in a foreign country.21.SECURITYINTEREST:Tosecureyouraccount,yougrantusapurchasemoneysecurityinterestundertheUniformCommercialCodeinanygoodsyoupurchasethroughtheaccount.Ifyoudefault,wewillhavetherighttorecoveranyofthesegoodswhichhavenotbeenpaidforthroughourapplicationofyourpaymentsinthemannerdescribedinparagraph13.ExceptforRealEstateLoans,collateralsecuringotherloanswiththeCreditUnionmayalsobeusedtosecurethisVISAaccount.Inaddition,yougrantusasecurityinallyourshareanddepositaccountsattheCreditUnion.Youagreethatifyouareindefault,wemayapplyanyfundsinanyofyouraccountstothebalanceowedunderthisAgreement.Youunderstand that this security interest is a condition of your VISA Credit Card Account.22.CASHADVANCES:Uponyourdirection,oralorwritten,CashAdvancesmaybemadeagainstyourVISACreditCardaccountandappliedtoanyofyourCreditUnionaccounts,orotheraccounts,inthesamemannerasifthecashadvanceswerepaidtoyou.YoufurtherauthorizetheCreditUniontoautomaticallymakeCashAdvances,inincrementsof$100.00,against your VISA Credit Card account to cover any overdraft activity of your sharedraft account. 23.EFFECTOFAGREEMENT:WereservetherighttoamendthetermsofthisAgreementatanytimeaspermittedbyandsubjecttoanylimitationsandnoticerequirementsofapplicable law.24.ADDRESS:Youagreetoadviseuspromptlyifyouchangeyourmailingaddress.WecanacceptaddresscorrectionsreceivedfromtheU.S.PostalServiceorfromanyauthorizeduser.Allwrittennoticesandstatementsfromustoyouwillbesenttoyouraddressasitappearsonourrecords.WrittennoticesandinquiriesfromyoutousmustbesenttoFibreFederal Credit Union, P.O. Box 1234, Longview, Washington 98632.13.DEFAULT:YouwillbeindefaultunderthisAgreementifanyofthefollowingoccur:(a)anyminimummonthlypaymentisnotmadewhendue;(b)someonetriestolevy,executeupon,orattachanyofyouraccountswithus;(c)youbecomeinsolvent,bankrupt,ordie;(d)youviolateanypartofthisAgreementoranyotherAgreementwithus;or(e)ifwereasonablydeemourselvesinsecureonyourCreditLine.Wewillnotifyyouinwritingofanysuchactionassoonaspracticalifitoccurs.Upondefault,wemaydeclaretheentireunpaidbalanceimmediatelydueandpayable,andyouagreetopaythatamount.Youagreetopayattorneyfees,whetherornotthereisalawsuit,includingfeesonanyappeal.Youalso will pay all collection costs.  The Credit Union may start a collection action in the county in which the Credit Union is located, unless you reside in another state. NOTICE:  See next page for important information regarding your rights to dispute billing errors. Fibre Federal Credit UnionVISA Line of Credit Agreement and DisclosureYour 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. WhatToDoIfYouFindAMistakeOnYourStatement.Ifyouthinkthereisanerroronyourstatement,writetousat:FibreFederalCreditUnion,POBox1234,Longview,WA98632.Inyour letter, give us the following information: •Accountinformation:Yournameandaccountnumber.•Dollaramount:Thedollaramountofthesuspectederror.•Descriptionofproblem:Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveiswrongandwhyyoubelieveitisamistake.You must contact us:•Within 60 days after the error appeared on your statement.25. BILLING ERROR NOTICE:•At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.Youmustnotifyusofanypotentialerrorsinwriting.Youmaycallus,butifyoudo,wearenotrequiredtoinvestigateanypotentialerrorsandyoumayhavetopaytheamountinquestion.Page: 3 of 3  Rev. 10/03/2011VISAAccount:Date:WhatWillHappenAfterWeReceiveYourLetter.Whenwereceiveyourletter,wemustdotwothings: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 correct.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.••While you do not have to pay the amount in question, you are responsible for the remainder of your balance.The charge in question may remain on your statement, and we may continue to charge you interest on that amount.•We can apply any unpaid amount against your credit limit.After we finish our investigation, one of two things will happen:•Ifwemadeamistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedtothatamount.•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.Ifwedonotbelievetherewasamistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestandfees.Wewillsendyouastatementoftheamountyouowe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.Ifyoureceiveourexplanationbutstillbelieveyourbilliswrong,youmustwritetouswithin10daystellingusthatyoustillrefusetopay.Ifyoudoso,wecannotreportyouasdelinquentwithoutalsoreportingthatyouarequestioningyourbill.Wemusttellyouthenameofanyonetowhomwereportedyouasdelinquent,andwemustletthoseorganizationsknowwhenthe matter has been settled 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.YourRightsIfYouAreDissatisfiedWithYourCreditCardPurchases.Ifyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchasedwithyourcreditcard,andyouhavetriedin 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.Thepurchasemusthavebeenmadeinyourhomestateorwithin100milesofyourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan$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.Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththepurchase,contactusinwritingattheaboveaddress.Whileweinvestigate,thesamerulesapplytothedisputedamountasdiscussedabove.Afterwefinishourinvestigation,wewilltellyouourdecision.Atthatpoint,ifwethinkyouoweanamountandyoudonotpay,wemayreportyouasdelinquent.Fibre Federal Credit UnionVISA Credit CardAccount DisclosuresINTEREST RATES AND INTEREST CHARGESAnnual Percentage Rate (APR)for PurchasesVISA Platinum:VISA Classic: 1.90%10.50%introductory APR for six months.Afterthat,yourAPRwillbe8.90%.APR for Balance TransfersVISA Platinum:VISA Classic: 1.90%10.50%introductory APR for six months.*Afterthat,yourAPRwillbe8.90%.APR for Cash AdvancesVISAClassicandPlatinum:10.50%How to Avoid Paying Interest onPurchasesTo learn more about factors to consider when applying for or using a creditcard, visit the website of the Federal Reserve Board athttp://www.federalreserve.gov/creditcard.For Credit Card Tips from theFederal Reserve BoardYour due date is an average of 30 days after the close of each billing cycle.We will not charge any interest on the portion of the purchases balance thatyou pay by the due date each month.FEESAnnual FeeNone.Transaction Fees      • Cash Advance Fee      • Foreign Transaction Fee None.Up to 1% of the US dollar amount of the foreign transactionUp to $15$10Penalty Fees     • Late Payment Fee      • Returned Check Fee  HowWeWillCalculateYourBalance:Weuseamethodcalled“averagedailybalance”(includingnewpurchases). BillingRights:Informationonyourrightstodisputetransactionsandhowtoexercisethoserightsisprovidedinyour Credit Card Account Agreement*Introductory balance transfer rate applies only to balance transfers from other financial institutions.  These Account Disclosures for the VISA Credit Card are part of and integrated with your VISA Credit CardAgreement with Fibre Federal Credit Union. We reserve the right to amend the VISA Credit Card Agreement aspermitted by law. The above rates and fees are effective as of October 1, 2011. Rev. 10/01/2011 vappdisc