CREDIT CARD ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT 

P.O. Box 4000 • Spokane Valley, WA 99037 
800.433.1837 • 509.535.7613 

THIS  IS  YOUR  CREDIT  LINE  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING 
DISCLOSURE STATEMENTS, SECURED VISA, VISA GOLD, VISA LUNA, AND VISA PLATINUM AGREEMENTS, AND ANY 
SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR SECURED VISA, VISA GOLD, VISA LUNA, AND VISA PLATINUM 
CREDIT  CARDS,  AND/OR  OTHER  ACCOUNT  ACCESS  DEVICE.  PLEASE  BE  CERTAIN  TO  READ  THIS  AGREEMENT 
CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

VISA Luna: _______% 

This APR will vary with the market based on the Prime Rate. 

VISA Platinum: _______% 

This APR will vary with the market based on the Prime Rate. 

___________________________________________: ___________ % 

Annual Percentage Rate 
(APR) For Balance Transfers 

VISA Luna:  _______% 

This APR will vary with the market based on the Prime Rate. 

VISA Platinum: _______% 

This APR will vary with the market based on the Prime Rate. 

___________________________________________: ___________ % 

Annual Percentage Rate 
(APR) For Cash Advances 

VISA Luna:  _______% 

This APR will vary with the market based on the Prime Rate. 

VISA Platinum: _______% 

This APR will vary with the market based on the Prime Rate. 

___________________________________________: ___________ % 

Penalty APR And When it 
Applies 

Up to 18.00% 

The APR may be applied if You: 
1)  Make a late payment; 
2)  Are otherwise in default under this Agreement. 

How Long Will The Penalty APR Apply? If Your APRs are increased for these reasons, 
for transactions that You make prior to the effective date of the increase, the Penalty Rate 
will  apply  until  You  make  the  next  six  consecutive  minimum  payments  when  due.  For 
transactions that You make after the effective date of the increase, the Penalty Rate may 
be applied indefinitely. 

VISA Platinum: _______% 

The APR may be applied if You: 
1)  Discontinue Direct Deposit 

How Long Will The Penalty APR Apply? If Your APR is increased for this reason the 
Penalty Rate may be applied indefinitely. 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge You 
any interest on purchases if You pay Your entire balance 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 
http://www.consumerfinance.gov/learnmore. 

Copyright Oak Tree Business Systems, Inc., 2000-2021. All Rights Reserved. 

Page 1 of 5   

             OTBS 016CC VISA NUME (4/21) 

SEE TOP OF PAGE 2 for more important information about Your Account 

                 
 
 
     
 
 
 
 
 
 
 
     
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Fees 

Annual Fee 

Transaction Fees 

•  Cash Advance 
•  Overdraft Transfer 
•  Foreign Transaction 

Penalty Fees 

•  Returned Payment 
•  Late Payment 

VISA Luna, $29.00 

Up to $0.75 
$5.00 
Except VISA Luna, ________% of each foreign currency transaction in U.S. dollars. 
Except VISA Luna, ________% of each U.S. Dollar transaction that occurs in a foreign country. 

Up to $25.00 
Up to 5.00% of the payment due or $25.00 after 10 days (depending on Your state of residence 
when You applied for credit) 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
Account Agreement for details. 

Loss of Preferential APR: We may end Your Preferential APR and apply the Penalty Rate if your direct deposit is interrupted. 

Billing  Rights:  Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your  
Account Agreement.  

SEE PAGE 1 for more important information about Your Account 

DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean NUMERICA CREDIT UNION. The words "You" and "Your" mean each person 
accepting this Agreement. If this is a joint account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any Secured VISA, VISA Gold, VISA Luna, 
or VISA Platinum Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the Secured VISA, VISA Gold, VISA Luna, or VISA Platinum 
Credit Card Account established for You under this Agreement.  

PROMISE TO PAY. You understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute Our Agreement with You. Your 
Account may be accessible through a variety of means which could include charge slips, Credit Cards and the like. Regardless of the access means, You promise to pay Us 
all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including 
Finance Charges and other fees or charges described herein.  

      VISA Credit Card Type 

      VISA Credit Card Type 

      VISA Credit Card Type 

Daily 
Periodic Rate 
For Purchases 

ANNUAL
PERCENTAGE RATE 
For Purchases 

                              % 

                              % 

Daily Periodic Rate
For Balance 
Transfers 

ANNUAL
PERCENTAGE RATE 
For Balance Transfers 

                              % 

                              % 

Daily Periodic Rate 
For Cash Advances  

ANNUAL 
PERCENTAGE RATE 
For Cash Advances  

                              % 

                              % 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
place  that  it  is  honored  and  to  get  cash  advances  at  participating  financial 
institutions  or  ATMs.  You  agree  not  to  use  Your  Card  for  illegal  transactions 
including,  but  not  limited  to,  advances  made  for  the  purpose  of  gambling  and/or 
wagering where such practices are in violation of applicable state and/or federal 
law. You understand that whether or not any specific secured advance request is 
approved  may  be  determined  by  how  much  equity  You  have  or  will  have  in  the 
shares and/or collateral offered as security. 

SECURITY. You acknowledge that You own any certificates, shares and/or collateral 
pledged as security and that there are no other liens against them other than Ours. 
You agree to perform all acts which are necessary to make Our security interest in 
the certificates, shares and/or collateral being pledged enforceable.  

OTHER SECURITY. Collateral (other than household goods or any dwelling) given 
as security under this Agreement or for any other loan You may have  with Us will 
secure all amounts You owe Us now and in the future if that status is reflected in the 
"Security"  section  under  the  "Truth-in-Lending  Disclosure"  in  any  particular  Loan 
Agreement evidencing such debt. 

CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your 
shares with Us (except for IRA and Keogh accounts) and any dividends due 
or to become due to You from Us to the extent You owe on any unpaid Credit 
Card balance. 

ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured VISA Credit 
Card, You agree to give Us a specific pledge of shares or certificates which will be 

Copyright Oak Tree Business Systems, Inc., 2000-2021. All Rights Reserved. 

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             OTBS 016CC VISA NUME (4/21) 

                 
 
 
     
 
 
 
 
 
 
 
     
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                                                                               
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                                                                               
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                                                                               
 
 
 
 
 
 
 
 
 
 
equal  to  Your  credit  limit. In  the  event  that  You default  on  Your  Account, We  may 
apply these shares or certificates toward the repayment of any amount owed on such 
Account. To be certain that Your entire balance and all advances on Your Account 
are paid, any shares pledged may not be available to You for 30 days after You have 
cancelled Your Account. 

LINE  OF  CREDIT  LIMITS.  You  will  be  notified  of  Your  specific  Credit  Limits  for 
advances which are made under Your Account. Unless You are in default, Your Credit 
Limit will generally be self-replenishing as You make payments on Your Account. 
You  will  keep  Your  unpaid  balance  within  Your  Credit  Limit,  and  You  will  pay  any 
amount  over  Your  Credit  Limit  on  Our  demand  whether  or  not  We  authorize  the 
advances which caused You to exceed Your Credit Limit. Even 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. 

JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the 
repayment of any amounts owed. If any Account access device, such as a Personal 
Identification  Number  (PIN)  is  requested  and  approved,  You  understand  that  any 
such  Account  access  device(s)  will  be  mailed  only  to  the  primary  Borrower  at  the 
address that We have on file for You. We may refuse to follow any instructions which 
run counter to this provision. 

MINIMUM  MONTHLY  PAYMENTS  (PAYMENT  SCHEDULE).  Though  You  need 
only pay the Minimum Monthly Payments, You understand that You have the right to 
repay Your Account at any time without penalty. You also understand that You will 
only be charged periodic Finance Charges to the date You repay Your entire Account 
balance.  You  may  make  larger  payments  without  penalty.  Any  partial  payment  or 
prepayment  of  Your  Account  will  not  delay  Your  next  scheduled  payment.  All 
payments to Us must be in lawful money of the United States.  

Payments will be applied in the following order: (a) any previously billed yet unpaid 
Finance  Charges  on  cash  advances;  (b)  any  previously  billed  yet  unpaid  Finance 
Charges on balance transfers; (c) any previously billed yet unpaid Finance Charges 
on purchases; (d) any fees owing; (e) the balance for cash advances; (f) the balance 
for balance transfers; and then to (g) the balance for purchases. As required by law, 
any amounts paid in excess of the Minimum Monthly Payment will first be applied to 
the balance bearing the highest rate of interest, and then to each successive balance 
bearing the next highest rate of interest, until the payment is depleted. 

Any unpaid portion of the Finance Charge will be paid by subsequent payments and 
will  not  be  added  to  Your  principal  balance.  You  understand  that  any  delay  in  the 
repayment of Your unpaid balance will increase Your periodic Finance Charges and 
any acceleration in the repayment of Your unpaid balance will decrease Your periodic 
Finance Charges. 

divide them by the number of days in the billing cycle. The Finance Charge for cash 
advances is computed by multiplying the average daily balance for cash advances 
that is subject to a Finance Charge by the Daily Periodic Rate times the number of 
days in the billing cycle. 

To  get  the  separate  average  daily  balances  for  any  discounted  promotional  rate 
balances applicable to purchases, balance transfers or cash advances, We take the 
beginning discounted promotional rate balance for purchases, balance transfers or 
cash  advances  for  Your  Account  each  day,  add  any  new  purchases,  balance 
transfers or cash advances (that are subject to a discounted promotional rate), debit 
adjustments or other charges and subtract any payments, credits and unpaid Fees 
and Finance Charges that apply to those balances. This gives Us the daily balances. 
Then, We add up those daily balances for the billing cycle and divide them by the 
number  of  days  in  the billing cycle.  The  Finance  Charge  for  the separate  average 
daily balances for any discounted promotional rate balances applicable to purchases, 
balance  transfers  or  cash  advances  is  computed  by  multiplying  each  separate 
average daily balance that is subject to a Finance Charge by the Daily Periodic Rate 
times the number of days in the billing cycle. 

The total Finance Charge for Secured VISA, VISA Gold, VISA Luna, or VISA Platinum 
that You will owe for a billing cycle is the sum of the Finance Charges owed on these 
separate average daily transactions balances outstanding during the month. 

You  can  avoid  Finance  Charges  on  purchases  by  paying  the entire balance owed 
each  month  by  Your  payment  due  date,  which  will  be  at  least  25  days  after  Your 
statement closing date. Otherwise, the new balance of purchases, and subsequent 
purchases from the date they are posted to Your Account, will be subject to a Finance 
Charge.  Cash  advances  and  balance  transfers  are  always  subject  to  a  Finance 
Charge from the date they are posted to Your Account. 

(cid:134)  VISA  PLATINUM  DIRECT  DEPOSIT  PREFERENTIAL  APR.  The  Annual 
Percentage  Rate  (APR)  described  in  this  Agreement  is  reduced  based  on  Your 
electing and maintaining the eligibility requirements established by the Credit Union 
for  direct  deposit  preferential  rates  ("Direct  Deposit  Preferential  APR").  You 
understand  and  agree that  You are  receiving  this  additional reduction at  this  time, 
because You are electing to maintain a monthly direct deposit in an amount equal to 
at least $100.00 to Your checking account. You further understand and agree that 
such Direct Deposit Preferential APR is conditioned upon Your maintaining eligibility 
under Our policy, and may be terminated for cause at any time for the reasons set 
forth  in  Our  policy  and  in  this  Agreement,  including  but  not  limited  to  Your 
cancellation of the direct deposit to Your designated checking account. The Direct 
Deposit  Preferential  APR  is  _____________  percentage  points  (______%)  lower 
than Our standard APR available to those persons not electing to maintain a monthly 
direct deposit to Your checking account in an amount equal to at least $100.00. 

Minimum  Payments  will  be  an  amount  equal  to  2.50%  of  Your  new  unpaid  VISA 
balance  at  the  end  of  each  billing  cycle,  subject  to  the  lesser  of  $25.00  or  Your 
balance,  plus  any  portion  of  the  Minimum  Payments  shown  on  prior  statement(s) 
which remains unpaid, plus any amount that exceeds Your approved Credit Limit. 

You may, by separate agreement, authorize Us to charge Your payment directly to 
Your share or share draft account. 

FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Account,  the 
balances  subject  to  the  periodic  Finance  Charge  are  the  separate  average  daily 
transactions balances outstanding during the month (including new transactions). 

VISA PLATINUM AND VISA LUNA VARIABLE RATE. All advances are subject to 
a Variable Rate which is based on the highest Prime Rate as published in the Money 
Rates  section  of  The  Wall  Street  Journal  in  effect  on  the  25th  day  of  each  month 
("Index")  plus  Our  Margin.  The  Margin  for  the  balance  for  purchases  and  balance 
transfers is ____________, whereas the Margin for the balances for cash advances 
is _________. The Index plus the Margin equals the Interest Rate. Changes in the 
Index will cause changes in the Interest Rate on the first day of each billing cycle. 
Increases or decreases in the Interest Rate will cause like increases or decreases in 
the Finance Charge and will affect the number of Your regularly scheduled payments. 
Your Interest Rate will never be greater than 18.00% and will apply to Your remaining 
principal balance. 

To get the average daily balance for purchases, We take the beginning balance of 
purchases for Your Account each day, add any new purchases, payment protection 
fees,  debit  adjustments  or  other  charges  and  subtract  any  payments,  credits  and 
unpaid Fees and Finance Charges that apply to Your balance for purchases. This 
gives Us the daily balance for purchases. Then, We add up those daily balances for 
the  billing  cycle  and  divide  them  by  the  number  of  days  in  the  billing  cycle.  The 
Finance Charge for purchases is computed by multiplying the average daily balance 
for purchases that is subject to a Finance Charge by the Daily Periodic Rate times 
the number of days in the billing cycle. 

To  get  the  average  daily  balance  for  balance  transfers,  We  take  the  beginning 
balance  of  balance  transfers  for  Your  Account  each  day,  add  any  new  balance 
transfers, debit adjustments or other charges and subtract any payments, credits and 
unpaid Fees and Finance Charges that apply to Your balance for balance transfers. 
This gives Us the daily balance for balance transfers. Then, We add up those daily 
balances  for  the  billing  cycle  and  divide  them  by  the  number  of  days  in  the  billing 
cycle.  The  Finance  Charge  for  balance  transfers  is  computed  by  multiplying  the 
average daily balance for balance transfers that is subject to a Finance Charge by 
the Daily Periodic Rate times the number of days in the billing cycle. 

To get the average daily balance for cash advances, We take the beginning balance 
of  cash  advances  for  Your  Account  each  day,  add  any  new  cash  advances,  debit 
adjustments or other charges and subtract any payments, credits and unpaid Fees 
and Finance Charges that apply to Your balance for cash advances. This gives Us 
the  daily  balance.  Then,  We  add  up  those  daily  balances  for  the  billing  cycle  and 

OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or 
in such increments as We may  from time to time determine)  to  Your share draft 
account  by  an  advance  on  Your  Account,  subject  to  this  provision,  to  clear  any 
overdraft on Your share draft account. Whether or not such transfers occur will be 
controlled by this Agreement. In any event, You hold Us harmless for any and all 
liability  which  might  otherwise  arise  if  the  transfer  does  not  occur.  Overdraft 
protection automatically ceases if this Agreement is ever cancelled or terminated 
or Your Account is in default. 

LATE  CHARGE.  If  Your  payment  is  more  than  10  days  late,  You  will  be  charged 
either: (a) 5.00% of the payment due if at the time of application You are a resident 
of the State of Idaho (unless Your required minimum payment amount is less than 
the amount calculated according to this provision, in which case the late charge will 
equal the amount of the payment past due); or (b) $25.00 if at the time of application 
You  are  a  resident  of  any  State  other  than  Idaho  (unless  Your  required  minimum 
payment  amount is  less  than  the  amount calculated according to  this provision, in 
which case the late charge will equal the amount of the payment past due). 

VISA  LUNA  ANNUAL  FEE.  Beginning  with  the  first  anniversary  of  Your,  and 
continuing on the same day each year thereafter, VISA Luna Accountholders will be 
charged a $29.00 Annual Fee for continued participation in the VISA Luna program, 
except  to  the  extent  that  such  fee  will  be  waived  when  You  take  net  purchase 
advances of at least $10,000.00 during the 365 day period immediately preceding the 
assessment date. This fee is required each year to continue credit availability whether 
or  not  You  use  Your  Account  throughout  the  year.  You  will  be  provided  with 

Copyright Oak Tree Business Systems, Inc., 2000-2021. All Rights Reserved. 

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           OTBS 016CC VISA NUME (4/21) 

 
 
 
     
 
 
 
 
 
 
 
     
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
cancellation instructions with the statement that precedes the statement on which the 
Annual Fee appears. Such fee will be identified on the statements that You receive. 

OTHER FEES AND CHARGES. You will be charged the following fees associated 
with the use of Your Card: (a) the lesser of $25.00 or the required minimum payment 
amount for the returned payment for any check (or other negotiable instrument used 
for  payment)  which  is  returned  unpaid;  (b)  $6.00  for  each  replacement  card  You 
request; (c) $2.00 for each statement copy You request; (d) $2.00 for each sales draft 
copy You request; (e) $0.75 Cash Advance Fee FINANCE CHARGE, each time You 
take  a  cash  advance  at  an  ATM  not  owned  and  operated  by  the  Credit  Union;  (f) 
$0.75 each time You make a balance inquiry at an ATM not owned and operated by 
the Credit Union; and (g) $5.00 for each overdraft transfer. 

PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing 
all transactions on Your Account including amounts paid and borrowed since Your 
last statement. We will provide You a statement each month in which there is a debit 
or credit balance or when a Finance Charge is imposed. We need not send You a 
statement if We  feel  Your  Account  is uncollectible  or  if We have  started collection 
proceedings against You because You defaulted. Each statement is deemed to be a 
correct  statement  of  account  unless  You  establish  a  billing  error  pursuant  to  the 
Federal Truth-In-Lending Act. 

DEFAULT. You will be in default if: (a) You do not make any payment or perform any 
obligation under this Agreement, or any other agreement that You may have with Us; 
or (b) You should die, become involved in any insolvency, receivership or custodial 
proceeding brought by or against You; or (c) You have made a false or misleading 
statement in Your credit application and/or in Your representations to Us while You 
owe money on Your Account; or (d) A judgment or tax lien should be filed against 
You or any attachment or  garnishment should be issued against any of Your property 
or rights, specifically including anyone starting an action or proceeding to seize any 
of Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your 
ability to repay Your indebtedness hereunder is or soon will be impaired, time being 
of the very essence. 

Upon any occurrence of default, We may, to the extent permitted by law, cancel 
Your  rights  under  this  Agreement,  require  the  return  of  all  access  devices  and 
declare the entire balance of Your Account immediately due and payable, without 
prior notice or demand.  

PENALTY RATE. In the event that Your Account is in default We may, at Our option, 
and to the extent permitted by law, increase the Annual Percentage Rate applicable 
to  Your  Account  to  the  greater  of  the  highest  rate  applicable  to  any  Credit  Card 
Account We offer or the maximum allowed by law (subject to a maximum in any event 
of 18.00%).  

The  increased  Annual  Percentage  Rate  will  apply  indefinitely  to  any  subsequent 
amounts that are charged to Your Account after the effective date of such increase. 
In the event that Your Account is more than 60 days past due the increased Annual 
Percentage Rate may also be applied to the portion of Your balance existing prior to 
the effective date of the increase. During the six month period following the effective 
date  of  an  increase  that  resulted  from  a  delinquency  in  excess  of  60  days,  upon 
receipt of the first six consecutive required minimum periodic payments when due, 
the rate applicable to the balance of transactions that occurred prior to such increase 
will  be  returned  to  the  standard  rate  that  would  have  otherwise  been  in  effect. 
Otherwise, the increased Annual Percentage Rate will also apply indefinitely to the 
portion of Your balance that existed prior to the effective date of the increase. 

DIRECT DEPOSIT PENALTY RATE. You understand and agree that if, at any time, 
You should become ineligible (as defined in Our policy or this Agreement) to receive 
the Direct Deposit Preferential APR under this Agreement, then, subject to applicable 
law, the Direct Deposit Preferential Rate will be increased to the standard APR. The 
Penalty APR is _____________________________________________ percentage 
points  (________%)  higher  than  the  Direct  Deposit  Preferential  APR  that  would 
otherwise apply from time to time. If Your Interest Rate is increased to the Penalty 
APR,  that  Interest  Rate  will  remain  in  effect  indefinitely  and  will  apply  to  the 
outstanding balance(s) of Your Account existing at that time and in the future. 

The Penalty APR under this Account is equal to the APR in effect from time to time 
for  Our  standard  VISA  Platinum  or  VISA  Gold  (that  is,  it  is  equal  to  the  Standard 
APR).  The  Penalty  APR  will  never  be  greater  than  the  Standard  APR  that  would 
otherwise have applied had You not received the Preferential APR. 

The Credit Union will notify You of the loss of the Preferential APR and the resulting 
increase  in  the  APR  applicable  to  the  VISA  Platinum,  or  VISA  Gold  Account,  as 
required by applicable law. The notice will be sent to You at the address We have for 
You in the Credit Union records. 

COLLECTION COSTS. In the event collection efforts are required to obtain payment 
on this Account, unless prohibited by law, You agree to pay all court costs, private 
process  server  fees,  investigation  fees  or  other  costs  incurred  in  collection  and 
reasonable  attorneys'  fees  incurred  in  the  course  of  collecting  any  amounts  owed 
under this Agreement or in the recovery of any collateral. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
We  delay  enforcing  them.  We  can  accept  late  payments,  partial  payments  or  any 
other payments, even if they are marked "paid in full" without losing any of Our rights 
under this Agreement. If any provision of this or any related agreement is determined 
to be unenforceable or invalid, all other provisions remain in full force and effect. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or 
otherwise have a change of address. 

CHANGE  IN  TERMS.  We  may  change  the  terms  of  this  Agreement  by  mailing  or 
delivering to You written notice of the changes as prescribed by the Federal Truth-In-
Lending  Act.  To  the  extent  permitted  by  law,  the  right  to  change  the  terms  of  this 
Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the  periodic  rate 
applicable to Your unpaid balance and/or future advances. 

ATTORNEY-IN-FACT. You hereby appoint Us as Your Attorney-In-Fact and You grant 
Us power(s) of attorney to sign Your name on any document related to Your Account. 

PAYMENT PROTECTION. Payment protection is not required for any extension of 
credit under this Agreement. However, You may purchase any payment protection 
available  through  Us  and  have  the  fees  added  to  Your  outstanding  Account 
balance.  If  You  elect  to  do  so,  You  will  be  given  the  necessary  disclosures  and 
documents separately. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
Disclosure  -  Federal  Truth-In-Lending  Act,"  and/or  "Credit  Line  Account  Advance 
Request and Security Agreement" which is delivered together with this Agreement or 
at a later date becomes an integrated part of this Agreement And Disclosure. 

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Credit Line 
Account  Agreement  And  Disclosure.  By  signing  the  Application;  by  using  Your 
Account  or  by  using  any  Account  access  device;  or  by  authorizing  another  to  use 
Your Account, You agree to and accept its terms. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
to update information contained in Your original Account Application or other financial 
information related to You, at Our request. You also agree that We may, from time to 
time, as We deem necessary, make inquiries pertaining to Your employment, credit 
standing  and  financial  responsibility  in  accordance  with  applicable  laws  and 
regulations.  You  further  agree  that  We  may  give  information  about  the  status  and 
payment history of Your Account to consumer credit reporting agencies, a prospective 
employer  or  insurer,  or  a  state  or  federal  licensing  agency  having  any  apparent 
legitimate business need for such information. 

TERMINATION.  Either  You  or  We  may  cancel  Your  Account  or  any  particular 
Feature Category of Your Account, at any time, whether or not You are in default. 
You will, in any case, remain liable to pay any unpaid balances according to the 
terms of Your Account. 

OWNERSHIP. All Credit Cards remain Our property and may be cancelled by Us at 
any time without notice. You agree to surrender the Cards and to discontinue their 
use immediately upon Our request. 

ISSUANCE  OF  A  PERSONAL  IDENTIFICATION  NUMBER.  We  will  issue,  upon 
Your request, a Personal Identification Number (PIN) for use with participating ATMs. 
This PIN is confidential and should not be disclosed to anyone. You may use Your 
PIN to access Your Account and all sums advanced will be added to Your Account 
balance. In the event a use of Your PIN constitutes an Electronic Fund Transfer, the 
terms and conditions of Your Electronic Fund Transfer Agreement may also affect 
Your rights.  

EFFECT OF  AGREEMENT. Even though the sales, cash advance, credit or other 
slips  You  may  sign  or  receive  when  using  Your  Credit  Card  contain  terms,  this 
Agreement is the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
You will not be liable for the unauthorized use that occurs after You notify Us of the 
loss, theft, or possible unauthorized use by calling Us at (509) 535-7613 or (800) 433-
1837 or by writing to Us at P. O. Box 4000, Spokane Valley, WA 99037-4000. 

REFUSAL  TO  HONOR  CARDS.  We  are  not  liable  for  the  refusal  or  inability  of 
merchants, financial institutions and others to accept the Cards or electronic terminals 
to honor the Cards or complete a transaction, or for their retention of the Cards. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries  and 
foreign  currencies,  the  exchange  rate  between  the  transaction  currency  and  the 
billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of 
rates available in wholesale currency markets for the applicable central processing 
date, which rate may vary from the rate VISA itself receives; or (b) the government-
mandated rate in effect for the applicable central processing date. In each instance, 
plus  a  percentage  stated  in  the  current  fee  schedule  (excluding  VISA  Luna). 
Transactions initiated via the internet with merchants or other parties located outside 

Copyright Oak Tree Business Systems, Inc., 2000-2021. All Rights Reserved. 

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of the United States of America are deemed to occur in the foreign country where the 
merchant or other party is located. 

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. 

TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant, 
electronic terminal or financial institution at which transactions were made, but sales, 
cash advances, credit or other slips cannot be returned with the statement. 

LOST CARDS. To report lost or stolen Credit Cards, You will call Us immediately at 
(509) 535-7613, (800) 433-1837 or (800) 682-6075 or write to Us at P.O. Box 4000, 
Spokane Valley, WA 99037-4000. 

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments, they will do so by sending Us a slip which will be posted to Your Account. 
If  Your credits and payments exceed what  You owe  Us, We will hold and apply this 
credit against future purchases and cash advances, or if it is $1.00 or more refund it on 
Your written request or automatically deposit it to Your share account after 6 months. 

GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
state  in  which  You conduct business  with the  Credit  Union  to the extent  that such 
laws are not inconsistent with controlling federal law. You agree that the venue of any 
action brought by any party to this Agreement may, at Our option, be laid in the county 
in which Our main office is located. 

Your 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 

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 are 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 settled between Us. If We do 
not follow all of the rules above, You do not have to pay the first $50.00 of the amount 
You question even if Your bill is correct. 

If You think there is an error on Your statement, write to Us at Our address shown in 
this Agreement. In Your letter, give Us the following information: 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

• 
• 
• 

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 three 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. 

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 $50.00. (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. 

What Will Happen After We Receive Your Letter 

If  all  of  the criteria  above  are  met and  You  are  still dissatisfied  with  the purchase, 
contact Us in writing at Our address shown in this Agreement.  

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. 

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. 

Copyright Oak Tree Business Systems, Inc., 2000-2021. All Rights Reserved. 

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           OTBS 016CC VISA NUME (4/21)