TwinStar Credit Union
PO Box 718
Olympia, WA 98507-718
800.258.3115
www.twinstarcu.com

CREDIT CARD AGREEMENT

ACCOUNT NUMBER

IN  THIS  AGREEMENT, "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  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 TWINSTAR CREDIT UNION OR ITS SUCCESSORS.

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.

YOU GRANT US A SECURITY INTEREST UNDER THE WASHINGTON
UNIFORM COMMERCIAL CODE FOR ANY GOODS PURCHASED.

YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE
WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT OF
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT. YOU  ALSO  AGREE
THAT WE  HAVE SIMILAR  STATUTORY LIEN  RIGHTS  UNDER  STATE
AND/OR  FEDERAL  LAW. IF  YOU ARE  IN  DEFAULT, WE  CAN APPLY
YOUR SHARES TO THE AMOUNT YOU OWE.

Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other
account that would lose special tax treatment under state or federal law if
given are not subject to this security interest.

If you have other loans with us, all collateral securing such loans now and
in the future will also secure your obligations under this Agreement, unless
that  other  collateral  is  your  principal  residence  or  non-purchase  money
household goods.

Using Your Card.  You can  purchase  or  lease  goods  and  services  from  any
merchant  who  honors  your  Card,  and  you  may  obtain  cash  advances  from
financial  institutions  and  ATM  machines  that  accept  the  Card,  up  to  your
maximum  cash  advance  credit  limit.  You agree  not  to  present  your  Card  or
obtain a cash advance for any extension of credit in excess of your available
cash  advance  credit  limit;  however,  if  you  do  exceed  your  credit  limit,  you
agree  to  make  immediate  payment  sufficient  to  bring  the  balance  below  the
credit limit. Certain purchases and cash advances require authorization prior
to completion of the transaction. In some cases, you may be asked to provide
identification. If our system is not working, we may not be able to authorize a
transaction, even though you have sufficient credit available. Also, for security
reasons, we may block the use of your Card in certain countries or geographic
areas. We will have no liability to you or others if any of these events occur.
You  may  transfer  a  balance  from  an  existing  credit  card  account  to  your
TwinStar  credit  card.  Balances  owed  on  other  types  of  loans  may  not  be
applied as a balance transfer.

(PIN). We  may 

Identification  Number 

Personal 
issue  a  Personal
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
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  Funds
Transfer,  the  terms  and  conditions  of  your  Electronic  Funds  Transfer
Agreement may affect your rights.

Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you
authorize  to  use  the  Card;  (b)  all  Interest  Charges  and  all  other  charges  or
fees;  (c)  collection  costs  and  attorney's  fees  as  permitted  by  applicable  law,
and any costs incurred in the recovery of the Card; and (d) credit in excess of
your credit limit that we may extend to you.

Illegal Transactions. You agree that your Card and account will not be used
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 Agreement.
We may decline any transaction that we believe to be illegal under applicable
law,  including  but  not  limited  to  any  transaction  involving  or  relating  to  any
gambling activity. You agree that we will have no liability or responsibility for
any  such  use  by  you  or  any  authorized  user(s);  or  for  declining  any  such
transaction.  You further  agree  to  indemnify  and  hold  us  harmless  from  any
suits,  liability, damages  or  adverse  action  of  any  kind  that  results  directly  or
indirectly  from  such  illegal  use.  You promise  to  pay  us  any  and  all  amounts
owing on your Card for any transactions made by you, even if the transaction
is determined to be illegal.

Joint Accounts. Each of you will be responsible, jointly and severally, for the
repayment  of  amounts  owed,  regardless  of  who  initiated  any  transaction
under the account.

Others Using Your Account. If  you allow anyone else to use your account,
you will be liable for all credit extended to such persons. You promise to pay
for  all  purchases  and  advances  made  by  anyone  you  authorize  to  use  your
account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.  If
someone  else  is  authorized  to  use  your  account  and  you  want  to  end  that
person's privilege, you must notify us in writing, and if he or she has a Card,
you must return that Card with your written notice for it to be effective.

Ownership  of  Card. Your  Card  remains  our  property  and  may  be  cancelled
by  us  at  any  time  without  notice.  You agree  to  surrender  your  Card  and  to
discontinue use of the account immediately upon our request.

Interest Charges. You agree to pay interest at the rate(s) disclosed to you at
the time you open your account and as may be changed from time to time in
accordance  with  applicable  law.  Average  Daily  Balance  including  new
transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance
outstanding during the month. To get the average daily balance, we take the
beginning  balance  each  day,  add  any  new  purchases,  cash  advances,
balance  transfers  or  other  advances,  and  subtract  any  payments,  unpaid
interest  charges,  and  unpaid  late  charges.  This  gives  us  the  daily  balance.
Then, we add up all the daily balances for the billing cycle and divide that by
the number of days in the billing cycle. We then multiply that by the periodic
rate  corresponding  to  the  Annual  Percentage  Rate  on  your  account.  If  you
have  different  rates  for  purchases,  cash  advances  or  balance  transfers,
separate  average  daily  balances  for  each  will  be  calculated  and  the
appropriate periodic rate is then applied to each.

Grace  Period  on  Purchases  Only:  You  can  avoid  Interest  Charges  on
purchases by paying the full amount of the new balance for purchases each
month  by  the  date  on  which  the  payment  is  due.  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.  You  cannot  avoid  Interest  Charges  on  cash
advances  and  balance  transfers;  even  if  you  pay  the  entire  cash  advance
balance or balance transfer balance by the payment due date, you will incur
the  Interest  Charges  accrued  from  the  date  the  cash  advance  or  balance
transfer is posted to your account.

Fees.  In  addition  to  the  Interest  Charges  set  forth  above,  you  agree  to  also
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
time), or as disclosed to you during the term of your Card.

If  Your  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use  Occurs. You
agree  to  notify  us  immediately  if  your  Card  is  ever  lost  or  stolen  or  if  an
unauthorized  use  may  have  occurred.  "Unauthorized  use"  means  the  use  of
the  Card  by  someone  other  than  you  who  does  not  have  actual,  implied  or
apparent authority for such use, and from which you receive no benefit. The
telephone number to call is (360) 357-9911. You agree to follow up your call
with  notice  in  writing  to  us  at: TwinStar Credit  Union,  PO  Box  718,  Olympia,
WA  98507-718.  You  also  agree  to  assist  us  in  determining  the  facts,
circumstances  and  other  pertinent  information  relating  to  any  loss,  theft  or
possible unauthorized use of your Card and comply with such procedures as
we  may  require  in  connection  with  our  investigation.  The  zero  liability  will
apply  provided  you  are  not  negligent  or  fraudulent  in  handling  your  card;
otherwise  your  liability  for  unauthorized  credit  card  transactions  shall  not
exceed $50.00.

Minimum Payment Due; Crediting of Payments. Payments are due in the
amount and on the date disclosed on your billing statement. If your payment
is  received  by  us  on  a  business  day  at  the  address  and  by  the  time
designated on the billing statement, it will be credited to your account on the
date  of  receipt.  If  payment  is  made  at  any  location  other  than  the  address
designated  on  the  periodic  statement,  credit  for  such  payment  may  be
delayed  up  to  five  (5)  days.  Payments  will  be  applied  in  any  order  we
determine, subject to applicable law.

9011 LASER FI17352 Rev 10-2018

page 1 of 7

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

IN  THIS  AGREEMENT, "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  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 TWINSTAR CREDIT UNION OR ITS SUCCESSORS.

Late  or  Partial  Payments.  Any  payment  that  delays  the  reduction  of  your
balance will increase your total interest costs. Partial payments or prepayments
will  not  delay  your  next  scheduled  payment  -  you  will  still  need  to  make  the
minimum  scheduled  payment  by  the  next  scheduled  due  date  to  keep  your
account  current.  We  may  accept  late  payments,  partial  payments,  checks  or
money orders marked "payment in full" and such action shall not constitute final
settlement  of  your  account  or  a  waiver  or  forgiveness  of  any  amounts  owing
under this Agreement.

Enforcement. We do not lose our rights under this or any related agreement if
we  delay  enforcing  them.  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.

Returns  and  Adjustments.  Merchants  and  others  who  honor  the  Card  may
give credit for returns or adjustments, and they will do so by submitting a credit
slip which will be posted to your account. If your credits and payments exceed
what you owe us, the amount will be applied against future purchases and cash
advances. If the credit balance amount is $1 or more, it will be refunded upon
your written or verbal request.

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 responsible
for goods or services that you purchase with the Card unless: (a) your purchase
was made in response to an advertisement we sent or participated in sending
you;  or  (b)  your  purchase  cost  more  than  $50  and  was  made  from  a  plan
merchant in your state or within 100 miles of your home; and only if you have
made a good faith attempt, but have been unable to obtain satisfaction from the
plan  merchant.  You  must  resolve  all  other  disputes  directly  with  the  plan
merchant.  We  do  not  warrant  any  merchandise  or  services  purchased  by  you
with the Card.

Statements and Notices. If your outstanding balance exceeds $1, statements
and  notices  will  be  mailed  to  you  at  the  most  recent  postal  address  or  e-mail
address (if you have elected to receive such documents via electronic means)
you have given us. Notice sent to any one of you will be considered notice to all.

Notification of Address Change. You will notify us promptly if you change your
address for any reason. In order to prevent identity theft, your identity may need
to be verified before we act upon the notification.

Copy  Received.  You  acknowledge  that  you  have  received  a  copy  of  this
Agreement.

Governing Law. This Agreement shall be construed under federal law and state
law in the state in which we are primarily located, and the venue shall be located
in the county and state in which we are primarily located. Operating regulations
of  Visa  may  also  apply.  This  Agreement  is  the  contract  that  applies  to  all
transactions even though the sales, cash advance, convenience check, credit or
other slips you sign or receive may contain different terms.

NOTICE TO UTAH BORROWERS: This written agreement is a final expression
of  the  agreement  between  you  and  the  Credit  Union.  This  written  agreement
may not be contradicted by evidence of any oral agreement.

Default; Acceleration; Credit Suspension; Collection Costs. You will be in
default if: (1) you fail to make any payment on time; (2) if you fail to keep any
promises  you  have  made  under  this Agreement  or  under  other Agreements
you have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a
bankruptcy  petition  filed  against  you,  or  if  you  become  involved  in  any
insolvency,  receivership  or  custodial  proceeding;  (5)  if  anyone  attempts  to
take any of your funds held by us via legal process or if you have a judgment
or  tax  lien  filed  against  you;  (6)  if  you  make  any  false,  inaccurate,  or
misleading statements in any credit application or credit update; or (7) if we, in
good  faith,  believe  that  your  ability  to repay  what you  owe is or soon  will  be
impaired, or that you are unwilling to make your payments.

If you are in default, we have the right to demand immediate payment of your
full  account  balance  without  giving  you  notice.  If  immediate  payment  is
demanded, you agree to continue paying interest charges and fees until what
you owe has been paid, and any shares that were given as security for your
account  may  be  applied  towards  what  you  owe.  You  agree  to  pay  all
reasonable costs of collection, including court costs and attorney's fees, and
any costs incurred in the recovery of the Card, subject to applicable law. 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.

Suspension  of  electronic  services  and  access  to  share  or  deposit
accounts. Subject  to applicable law, we may suspend some or all electronic
services  and  access  to  your  checking  or  other  account(s)  if  you  become
delinquent on any of your credit card or deposit obligations to us or you cause
a  loss  to  us.  We  shall  not  be  liable  to  you  in  any  regard  in  connection  with
such suspension of services.

Additional  Benefits/Card  Enhancements.  We  may  from  time  to  time  offer
additional  services  to  your  Account  at  no  additional  cost  to  you.  You
understand that we are not obligated to offer such services and may withdraw
or change them at any time.

Convenience Checks. We may, at our discretion, issue checks to you which
may be used for any purpose other than making a payment for credit to your
account.  By  signing  such  check,  you  authorize  us  to  pay  the  item  for  the
amount indicated and post such amount as a purchase to your account. We
do  not  have  to  pay  any  item  which  would  cause  the  outstanding  balance  in
your account to exceed your credit limit.

Credit  Information.  We may  from  time  to  time  request  personal  information
from  you  or  obtain  credit  reports  from  the  credit  reporting  agencies  for  the
purpose of updating your credit status. Your failure to provide such information
when requested by us may result in suspension of credit privileges under this
Agreement,  including  your  ability  to  obtain  any  future  advances  by  any
means. You authorize us to investigate your credit standing when opening or
reviewing  your  account.  You authorize  us  to  disclose  information  regarding
your  account  to  credit  bureau  and  creditors  who  inquire  about  your  credit
standing.

Foreign  Transactions;  Currency  Conversion. Purchases 
and  cash
advances made in foreign currencies will be billed to you in U.S. dollars. The
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).

Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this
Agreement by written notice. Termination by either party shall not affect your
obligation  to  repay  any  balance  on  your  account  resulting  from  use  of  the
Card  as  well  as  Interest  Charges  and  fees  incurred.  We  may  change  the
terms of this Agreement, including the method of calculating the periodic rate,
at  any  time,  by  written  notice,  subject  to  applicable  law.  Use  of  the  Card
constitutes  agreement  and  acceptance  of  any  change  in  terms,  unless
applicable law requires otherwise. Our failure to exercise any of our rights or
to  take  any  action  shall  not  constitute  a  waiver  of  those  rights,  or  an
amendment or change in any of the terms of this Agreement.

9011 LASER FI17352 Rev 10-2018

page 2 of 7

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:

The Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the military or a dependent
(as defined in the Military Lending Act, 10 U.S.C. 987 and implementing regulations). The following terms and conditions amend your credit card agreement
and apply during any period(s) in which you are active military or a dependent under those definitions. They do not apply when you are not an active duty
member of the military or a dependent:

1.

2.

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  or  participation  fee  unless  they  are  bona  fide  and
reasonable under the MLA. To receive this notice verbally, please call 1-800-235-8946 during our normal business hours.

Advances  will  not  be  secured  by  a  consensual  lien  on  shares  or  deposits  in  any  of  your  share  or  deposit  accounts  unless  you  specifically  agree  to
establish  a  secured  share  or  deposit  account  in  connection  with  this  credit  card  account  (“Secured Account”).  Only  funds  deposited  into  the  Secured
Account after the credit card is established will secure advances. Any cross-collateralization provision contained in your credit or membership documents
will not apply to the Secured Account or your other share or deposit accounts for this account.
However, with regard to this credit card account, we still reserve our rights regarding statutory liens and administrative freeze under federal or state law.
Any contract terms in your credit card, security, or membership agreements that contradict the above shall be inapplicable.

3.

Your credit card account is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in connection with this credit card
account does not apply.

YOUR BILLING RIGHTS - KEEP THIS NOTICE 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 the address(es)
listed on your statement.

In your letter, give us the following information:

1.
2.
3.

Your name and account number.
The dollar amount of the suspected error.
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.

2.

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.
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.
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
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.

2.

3.

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.)
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.
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 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.

By signing below, I agree to the terms on pages 1-3.

BORROWER'S SIGNATURE

DATE

CO-BORROWER'S SIGNATURE

DATE

X

9011 LASER FI17352 Rev 10-2018

X

page 3 of 7

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

APPLICATION AND DISCLOSURES for PAYMENT PROTECTION PLAN - CREDIT CARDS

This Product is Optional. Your purchase of the Payment Protection Plan (“Plan”) is optional. Whether or not you purchase this protection will not affect your
application for credit or the terms of any existing credit agreement you have with the Financial Institution. You may cancel the Program at any time. See the
Program Agreement for an explanation of how the Program may be terminated.

I ELECT: (Check only  one box)

PLAN 1: Plan #382649

Death:

Cancels loan balance

PLAN 2: Plan #382650

Accidental Death:
Disability:
Family Leave:

PLAN 3: Plan #512684

Cancels loan balance
Cancels up to 12 Payments
Cancels up to 3 Payments

Disability:
Involuntary Unemployment:

Cancels up to 12 Payments
Cancels up to 3 Payments

PLAN 4: Plan #382651

Death:
Disability:

Cancels loan balance
Cancels up to 12 Payments

Cost:

Open-end Loans:
per $1,000 of monthly outstanding loan balance

Single: $1.42

Joint: $2.27

Single: $2.34

Joint: $4.40

Single: $2.98

Joint: $5.67

Single: $2.97

Joint: $5.22

*Benefit Maximums: Death Protection cancels a maximum of $75,000.

Cancellations listed are per occurrence.
Monthly cancellations are limited to $1,000 per month, and $15,000 over the term of the loan, per each Protected Event
and per each Protected Borrower.

No, I do not wish to apply for the voluntary Payment  Protection Plan at this time. _______ (Borrower 1 initials) _______ (Borrower 2 initials)

Application Eligibility:

To be eligible to apply, I must meet the following conditions. By signing this Application, I am stating that: (1) I am under age 70; (2) if applying for Death or
Disability protection: During the last 2 years, I have not been advised of or treated for: cancer, heart attack or coronary artery disease, stroke, cirrhosis, AIDS,
or any disorder of my immune system, or had any test showing evidence of antibodies to the AIDS virus (a positive HIV test); (3) if applying for Disability or
Involuntary Unemployment protection: I am presently working twenty-four (24) or more hours per week; (4) if applying for Involuntary Unemployment protection:
I am not self-employed, and I have not received unemployment benefits within the past 2 years.

BORROWER'S SIGNATURE

I acknowledge and agree that: (a) I  meet the eligibility requirements listed above. If it is discovered that I do not meet the eligibility requirements above, my
participation  in  the  Plan  will  be  terminated,  I  will  receive  a  refund  of  any  fees  paid,  and  an  otherwise  valid  claim  will  be  denied;  (b) I  have  received  the
disclosures herein and have thoroughly read the Payment Protection Plan Agreement (“Agreement”), and agree to abide by the terms of the Agreement; (c) I
authorize the Plan fees to be added to my loan each month; and (d) I understand that I may not be eligible for all benefits contained in the Plan. This document
is hereby incorporated into Borrowers loan documentation as if fully set forth therein. There are eligibility requirements, conditions, and exclusions that
could prevent you from receiving benefits under the Program. See the Program Agreement for details.

BORROWER 1 SIGNATURE

DATE

BORROWER 2 SIGNATURE (If applying for Joint Protection)

DATE

X

X

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

PROGRAM AGREEMENT for PAYMENT PROTECTION PLAN - CREDIT CARDS

As used in this Payment Protection Plan Program Agreement (“Agreement”), “You”, “Your” or “Borrower” means the person(s) who are obligated to repay a
loan to us who have purchased Payment Protection under this Agreement. “We”, “Our”, “Us” means, TwinStar Credit Union, 4525 Intelco Loop South East,
Lacey, WA  98503.  “Plan  Administrator”  means  Minnesota  Life  Insurance  Company, 400  Robert  Street  North,  St.  Paul,  Minnesota,  55101,  or  one  of  its
affiliates, or a contracted third party.

This  Agreement  amends  your  loan  or  credit  agreement.  By  enrolling  in  this  Payment  Protection  Plan  (“Plan”),  you  agree  to  abide  by  the  terms  of  this
Agreement. The Payment Protection Application is a part of this Agreement and is hereby incorporated as if fully set forth herein.

DEFINITIONS

Effective Date means that date on which your Plan becomes effective, which is: the later of (1) the date you enroll in, and your eligibility is approved for, the
Plan; or (2) the date of your first advance under a protected open-end credit plan.

Presently working twenty-four (24) or more hours per week: This  term means that you are actively working for income for twenty-four (24) hours or more
per week. “Working” means actually performing your job duties and not off of work due to leave of absence; layoff; routine or seasonal work interruption; or any
other reason.

Outstanding Balance and Payment:“Outstanding Balance” means the outstanding loan balance as of the date a Protected Event occurs. “Payment” means
the minimum monthly loan payment scheduled under your loan agreement. Outstanding Balance and Payment both refer to the protected amount under the
Plan and include principal, interest, the Plan fee and any amounts which the creditor and borrower agreed to finance as part of the loan at the time the credit is
extended. It does not include late fees or other fees; real estate taxes or property insurance premiums; or any amount that represents defaults in scheduled
payments of either interest or principal. A scheduled lump-sum Balloon payment will only be protected if the Protected Event cancels the Outstanding Balance.
Additionally, any  advance  taken  during  any  period  of  Involuntary  Unemployment,  Disability  or  Family  Leave  will  not  be  protected  and  the  payment  for  that
advance will not be cancelled. You will be responsible for re-paying any amounts that are not cancelled.

Pre-existing  condition: means  a  condition  for  which  you  received  or  had  medical  treatment,  advice  or  diagnostic  tests  either  for  that  same  condition  or  a
related  condition  within  the  six-month  period  immediately  prior  to  the  Effective Date  and  immediately  prior  to  each  and  every  advance  taken.  However, any
Protected Event resulting from any such condition or a related condition will not be excluded if the Protected Event commences six months or more after the
Effective Date of protection or six months or more after the advance is taken.

TERMS OF PROTECTION

Who is eligible for protection?
This  Plan  protects  an  eligible  Borrower  (“Borrower  1”)  against  Protected  Events  that  occur  while  you  are  enrolled  in  the  Plan  (“Single  Protection”).  At  an
additional cost, you may purchase protection for a Co-Borrower (“Borrower 2”) against the Protected Events within the Plan purchased (“Joint Protection”). Co-
signers, guarantors, and non-borrower owners of collateral are not eligible for protection.

What types of loans are eligible for protection under the Plan?
The following types of loans are eligible for protection if the Plan is made available to you on that loan type: closed-end consumer loans if the loan has a term
of 120 months or less; open-end consumer credit plans and unsecured lines of credit; and credit cards.

What is the Plan Fee and how is it collected?
The Plan Fee is the amount you pay for the Protection. It is calculated by applying the rate per $1,000 of your monthly outstanding balance or loan amount and
will be charged and collected monthly. For closed-end loans, if the Protection is purchased at loan closing, the fee becomes part of your required monthly loan
payment.  For  open-end  loans,  the  fee  will  be  added  to  your  outstanding  balance  as  an  advance  each  month,  increasing  your  minimum  payment  due.  If
Payment Protection is added after the start of a closed-end loan, the fee will be added to your outstanding balance as an advance each month; in such a case,
we may either increase your minimum monthly payment or extend the term of your loan. Interest will accrue on the Payment Protection advance. If you fail to
pay the fee, we can cancel the protection or, at our option, add the fee to your outstanding balance upon which it will accrue interest. Such addition may extend
the term of your loan.

Can the Plan Fee and terms of this Agreement Change?
Yes. We can change the terms of this Agreement, including the rates, at any time. If we do so, you will be provided prior notice and an opportunity to cancel
your Agreement under the Plan.

Can this Agreement be contested?
Yes. If we find that you did not meet the eligibility requirements at the time of your application, your protection under the Plan will be removed, you will receive
a refund of fees paid, and an otherwise valid claim will be denied.

PROTECTED EVENTS
The following describes the types of Protected Events and the protection afforded under each Plan:

DEATH (Plans 1 & 4; Joint Protection Available)

What is the Death benefit?
For each protected borrower, we will cancel the amount of your Outstanding Balance as of the date of death, up to $75,000. If two protected Borrowers die
simultaneously, we will cancel the Outstanding Balance, up to $75,000. In no event will an excess of $75,000 be cancelled.

ACCIDENTAL DEATH (Plan 2; Joint Protection Available)

What amounts are cancelled under Accidental Death protection?
If you, or your joint borrower covered under a Joint Plan, dies solely as a result of an accidental injury, we will cancel the amount of your Outstanding Balance
as of the date of death, up to a maximum of $75,000. If both protected Borrowers die simultaneously, we will cancel the remaining outstanding balance on the
loan in accordance with the terms of this Agreement, and protection will terminate. In no event will an excess of $75,000 be cancelled.

What does death solely by accidental injury mean?
Accidental death protection is limited protection. This means your protection will provide benefits only when your death results, directly and independently from
all  other  causes,  from  an  accidental  bodily  injury  which  was  unintended,  unexpected  and  unforeseen.  The  bodily  injury  must  be  evidenced  by  a  visible
contusion or wound, except in the case of accidental drowning. The bodily injury must be the sole cause of your death. The injury and accidental death must
occur while your protection is in effect. Your death must occur within 90 days after the date of the accidental injury.

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

DISABILITY (Plans 2, 3 & 4; Joint Protection Available)

What does Disability mean and how do I qualify for Disability?

Disability means your continuous inability, due to sickness or injury, to perform the substantial and material duties of your regular occupation and you are under
the  regular  care  and  treatment  of  a  licensed  physician  or  licensed  health  care  provider.  To qualify  for  Disability  protection,  you  must  be  disabled  for  14
consecutive days. Benefits begin to accrue on the first (1st) day that you are disabled.

What amounts are cancelled under the Disability protection?

For each occurrence of Disability, we will cancel 1/30th of the Payment for each day that you are disabled beginning with the first (1st) day of Disability and
continuing for up to twelve (12) Payment cancellations. However, cancellations will immediately cease if you recover or return to work; or if the loan is paid off,
is refinanced, or is discharged for any reason. Cancellation is limited to a total of $15,000 over the term of the loan, regardless of the number of occurrences.
The maximum monthly cancellation is $1,000.

What if the same or related disability occurs?

Please see the “What if I suffer a recurrence?” question in the General Provisions section below.

INVOLUNTARY UNEMPLOYMENT (Plan 3; Joint Protection Available)

What does Involuntary Unemployment mean and how do I qualify for protection?

Involuntary Unemployment means that you involuntarily lost your full-time employment and you are eligible for, and are receiving, unemployment benefits.

To qualify for Involuntary Unemployment protection, the following requirements must be met:

1. You are involuntarily unemployed for 30 consecutive days; and

2. You are receiving unemployment benefits for the period of unemployment for which you are making a claim under this  Agreement.

What amounts are cancelled under Involuntary Unemployment protection?

We  will  cancel  1/30th  of  the  Payment  for  each  day  you  are  involuntarily  unemployed,  beginning  with  the  first  (1st)  day  of  involuntary  unemployment  and
continuing  for  (a)  up  to  three  (3)  Payment  cancellations  per  occurrence  of  Involuntary  Unemployment;  or  (b)  until  you  discontinue  receiving  unemployment
benefits for any reason; or (c) you regain employment; whichever is earlier. Cancellation is limited to a total of $15,000 over the term of the loan, regardless of
the number of occurrences. The maximum monthly cancellation is $1,000.

FAMILY LEAVE (Plan 2; Joint Protection Available)

What does Family Leave mean and how do I qualify for Family Leave benefits?

Family Leave means an employer-approved, continuous leave of absence taken under the federal Family and Medical Leave Act (FMLA). Continuous leave of
absence means that you take a leave under the FMLA for 30 consecutive days, with your employers approval, for one of the following reasons: (1) to care for
an immediate family member (or oneself) with a serious health condition; or (2) to attend to the needs of your newborn or newly-adopted child. Serious health
condition means an illness, injury, impairment, or physical or mental condition that involves (a) inpatient care in a hospital, hospice, or residential medical care
facility; or (b) continuing treatment by a health care provider.

What is the Family Leave benefit?

We will  cancel  1/30th  of  the  Payment  for  each  day  you  are  on  leave,  beginning  with  the  date  your  leave  began  and  continuing  for  up  to  three  (3)  Payment
cancellations per occurrence or until you return to work, whichever is earlier. Cancellations are limited to a total of three (3) Payments per occurrence and a
total of $15,000 over the term of the loan, regardless of the number of occurrences of Family Leave or whether they are considered “new occurrences” or the
“same occurrence”. The maximum monthly cancellation is $1,000.

Exclusions apply to both the Outstanding Balance and any and all advances under a multi-featured consumer lending plan.

Benefits will not be provided under any Protected Event if the Protected Event:

EXCLUSIONS

(1) is due to suicide committed within the first 2 years of protection; (2) is due to an intentionally self-inflicted injury; (3) is due to a Pre-existing Condition; (4)
results from war or any act of war, whether declared or undeclared; (5) occurs on or after your 70th birthday; (6) results from the same occurrence for which you
have already received benefits under this Agreement. Benefits will also not be provided under one Protected Event if you are currently receiving benefits under
another Protected Event.

The following exclusions apply in addition to the above:

Benefits will not be provided under Disability protection if:

The disability is related to a normal pregnancy, normal childbirth, or elective abortions. Complications due to pregnancy or childbirth will only be protected if the
complications themselves are the cause of the disability.

Benefits will not be provided under Involuntary Unemployment protection if:

(1)  your  job  is  terminated  because:  (a)  you  retire;  (b)  you  quit  or  resign  your  employment  for  any  reason;  (c)  you  lose  your  employment  due  to  (i)  willful  or
criminal misconduct; (ii) a normal, routine or seasonal shut-down; (iii) discharge from active military service; (iv) disability caused by sickness or injury; or (v) a
strike,  lockout,  or  labor  dispute;  (2)  the  involuntary  unemployment  commences  within  90  days  after  your  Effective  Date;  or  (3)  you  received  unemployment
benefits within 2 years prior to applying for the Plan.

Benefits will not be provided under Family Leave protection if:

(1) the leave of absence is intermittent or less than 30 consecutive days; or (2) the leave of absence does not qualify under the federal Family Medical Leave
Act; or (3) the Family Leave commences within 180 days after the Effective Date.

Benefits will not be provided under Accidental Death protection if:

Your death is caused directly or indirectly by, results from, or there is contribution from, any of the following:

1. self-inflicted injury or self destruction, whether sane or insane;

2. suicide or attempted suicide, whether sane or insane;

3. your participation in or your attempt to commit a crime, assault or felony;

4. bodily or mental infirmity, illness or disease;

5.  the  use  of  alcohol,  drugs,  medications,  poisons,  gases,  fumes  or  other  substances  taken,  absorbed,  inhaled,  ingested  or  injected,  unless  taken  upon  the
advice of a licensed physician in the verifiable prescribed manner and dosage;

9011 LASER FI17352 Rev 10-2018

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

6.  motor  vehicle  collision  or  accident  where  you  are  the  operator  of  the  motor  vehicle  and  your  blood  alcohol  level  meets  or  exceeds  the  level  at  which
intoxication is defined in the state where the collision or accident occurred, regardless of the outcome of any legal proceedings connected thereto;

7. infection, other than infection occurring simultaneously with, and as a direct result of, the accidental injury;

8. medical or surgical treatment or diagnostic procedures or any resulting complications;

9. travel in or descent from any aircraft, except as a fare-paying passenger on a regularly scheduled commercial flight on a licensed passenger aircraft carrier;

10. war or any act of war, whether declared or undeclared.

How do I obtain benefits and verify a Protected Event under the Plan?

GENERAL PROVISIONS

To obtain benefits under the Plan, you must notify us of a Protected Event within 30 days or as soon as possible, but no later than six (6) months after the
occurrence  of  the  Protected  Event,  and  provide  any  documentation  or  information  required  by  us  at  the  time  of  your  claim  and/or  throughout  the  period  for
which Payments are being cancelled. You must be able to verify the Protected Event to our satisfaction. If your delay in filing a claim prevents us in any way
from determining eligibility under the Plan, no benefit will be issued.

What if I sustain an unrelated injury or sickness while I am disabled?

If you are disabled (“original occurrence”) and sustain an additional sickness or injury which would be in and of itself disabling, the additional sickness or injury
will not be considered a new occurrence of Disability, but rather will be considered the same occurrence. This means that you will receive benefits only if you
did not exhaust your maximum per-occurrence benefits in connection with the original occurrence.

What if I suffer a recurrence of the same or related Protected Event?

If you incur a claim for the same type of Protected Event again within six (6) months after you have recovered or returned to full-time work, we will consider this
a continuation of the prior event. (For disability, however, this only applies if you are disabled due to the same condition.) This means that the maximum number
of cancellations per occurrence for the prior event will still apply; if that maximum was already reached, no benefits will be issued. If you incur a claim for the
same type of Protected Event again more than six (6) months after you have recovered or returned to full-time work, we will consider this a new event and the
terms  and  conditions  of  the  Plan  apply  as  if  no  prior  event  occurred.  This  provision  applies  whether  you  return  to  work  full-time  with  the  same  or  different
employer.

What is the status of my loan following the occurrence of a Protected Event?

During the time it takes to process your request for benefits, you are responsible for making your monthly payment by the due date. Once benefits begin, you
are responsible for any difference between the minimum payment due on the loan and the amount that is cancelled.

What if the term of my loan ends while I am receiving cancellations under the Plan?

Regardless of the number of cancellations you may otherwise be entitled to, cancellations will cease if the loan is paid off, refinanced, sold or transferred, or
discharged for any reason.

How can the Plan be terminated?

You may terminate this Agreement at any time by writing us at TwinStar Credit Union, PO Box 718, Olympia, WA 98507. If you do so within thirty (30) days of
your enrollment in the Plan, we will credit your loan account for any fees charged for this protection. We can terminate this Agreement by giving you written
notice at least thirty (30) days in advance of the termination. Termination by us or you will be effective on the first of the month following termination. Fees for
the month in which notice of termination is received will still be due and collected from the loan payment.

Your Plan  participation  will  terminate  without  advance  notice  (1)  if  your  loan  is  paid  off,  refinanced,  sold  or  transferred,  or  discharged  for  any  reason;  (2)  if
required loan payments are past due by 90 days or more; (3) if you fail to pay the Plan Fee; (4) when you reach age 70 or die (see below for more information if
you have Joint Protection); or (5) the protected Outstanding Balance is paid off under the terms of the Plan or all maximum cancellations are reached. If you
bring your loan current after your Protection has been terminated for delinquency, protection will not be reinstated automatically and you must re-apply for the
Plan.

What if I have Joint Protection and my co-borrower reaches age 70 or dies?

If your co-borrower reaches age 70, the co-borrowers protection terminates. Your protection will automatically convert to Single Protection and your monthly fee
will be adjusted accordingly.

If  your  co-borrower  dies,  any  death  benefits  available  will  be  paid,  subject  to  the  terms  of  this Agreement,  and  your  protection  will  automatically  convert  to
Single Protection. Your monthly fee will be adjusted accordingly.

What are the tax implications?

You may be subject to federal, state and local taxes on the amount of your cancelled loan payment or balance. You should consult your tax advisor. We or the
Plan Administrator do not provide you with guidance on the tax implications, if any, of a cancelled debt.

What if I have questions about the Plan?

Telephone us at 1-800-258-3115 or write to us at TwinStar Credit Union, PO Box 718, Olympia, WA 98507 if you have any questions regarding this Plan.

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.