P.O. Box 4000 
Spokane Valley, WA 99037 
(800) 433-1837 or (509) 535-7613 

CREDIT CARD ACCOUNT AGREEMENT  
AND FEDERAL DISCLOSURE STATEMENT 

THIS  IS  YOUR  CREDIT  LINE  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-
LENDING  DISCLOSURE  STATEMENTS,  STUDENT  VISA,  SECURED  VISA,  VISA  GOLD  AND  VISA  PLATINUM 
AGREEMENTS,  AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR  STUDENT  VISA,  SECURED 
VISA, VISA GOLD 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 Platinum: @_______% 

This APR will vary with the market based on the Prime Rate. 

@____________________: @_______% 

Annual Percentage Rate (APR) 
For Balance Transfers 

VISA Platinum: @_______% 

This APR will vary with the market based on the Prime Rate. 

@_________________: @_______% 

Annual Percentage Rate (APR) 
For Cash Advances 

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. 

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. 

Fees 

Transaction Fees 

•  Foreign Transaction 

Penalty Fees 

•  Returned Payment 
•  Late Payment 

@________% of each foreign currency transaction in U.S. dollars. 
@________% of each U.S. Dollar transaction that occurs in a foreign country. 

Up to $@________ 
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. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account 
Agreement.  

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  Student  VISA,  Secured 
VISA, VISA Gold or VISA Platinum Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the Student VISA, Secured VISA, VISA 
Gold or VISA Platinum Credit Card Account established for You under this Agreement. . “Convenience Checks” mean the special Account access devices that We may 
provide for Your use from time to time. 

Copyright Oak Tree Business Systems, Inc., 2000 - 2012. All Rights Reserved. 

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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, convenience checks, 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 

Daily  
Periodic Rate 
For Purchases 

ANNUAL 
PERCENTAGE RATE 
For Purchases 

  @  

         % 

  @  

         % 

Daily Periodic Rate 
For Balance 
Transfers 

ANNUAL 
PERCENTAGE RATE 
For Balance Transfers 

  @  

  @  

         % 

  @  

         % 

      VISA Credit Card Type 

Daily Periodic Rate 
For Cash Advances  

ANNUAL 
PERCENTAGE RATE 
For Cash Advances  

  @  

  @  

         % 

  @  

         % 

(1)  This is the rate that will apply upon the expiration of any Introductory Rate period. 

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 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. 

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  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). 

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 

Copyright Oak Tree Business Systems, Inc., 2000 - 2012. All Rights Reserved. 

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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 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  introductory  or 
promotional  rate  balances  applicable  to  purchases,  balance  transfers  or  cash 
advances,  We  take  the  beginning  discounted  introductory  or  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 introductory or 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  introductory  or  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  Student  VISA,  Secured  VISA,  VISA  Gold  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. 

VISA  PLATINUM  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. 

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). 

OTHER  FEES  AND  CHARGES.  We  may,  at  Our  option,  and  to  the  extent 
permitted by law, charge the following fees and charges associated with the use of 
Your  Card:  (a)  a  returned  check  charge  for  any  check  (or  other  negotiable 
instrument used for payment) used to make a payment on Your Account which is 
returned unpaid; (b) a replacement fee for a lost Card; (c) a document copy fee for 
each  copy  of  a  sales  draft  and  a  fee  for  each  statement  copy  that  You  request 
which  is  unrelated  to  a  valid  billing  error  dispute;  (d)  a  fee  for  each  sales  receipt 
original  that  You  request;  (e)  a  fee  each  time  Your  Card  usage  is  blocked  for 
reasonable  cause;  and  (f)  a  fee  for  each  pre-authorized  payment  that  You 
authorize to be charged to Your Account, and subsequently stop payment on.  The 
amount  of  such  other  fees  and  additional  charges  are  set  forth  in  the 
accompanying pricing document which We have included with and made a part of 
this Agreement. 

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. 

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 

Copyright Oak Tree Business Systems, Inc., 2000 - 2012. All Rights Reserved. 

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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. 

• 
• 
• 

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. 

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. 

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for 
the  refusal  or  inability  of  merchants,  financial  institutions  and  others  to  accept  the 
Cards or Convenience Checks, or electronic terminals to honor the Cards or complete 
a Card withdrawal, or for their retention of the Cards or Convenience Checks. 

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. 

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. 

You must contact Us: 

•  Within 60 days after the error appeared on Your statement. 
• 

At  least 3 business days before an automated payment is scheduled, if You 
want to stop payment on the amount You think is wrong. 

You must notify Us of any potential errors in writing. You may call Us, but if You do 
We  are  not  required  to  investigate  any potential errors and You may have to pay 
the amount in question. 

What Will Happen After We Receive Your Letter 

When We receive Your letter, We must do two things: 

1)  Within  30  days  of  receiving  Your  letter,  We  must  tell  You  that  We  received 
Your letter. We will also tell You if We have already corrected the error. 
2)  Within  90  days  of  receiving  Your  letter,  We  must  either  correct  the  error  or 

explain to You why We believe the bill is 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)  The purchase must have been made in Your home state or within 100 miles 
of  Your  current  mailing  address,  and  the  purchase  price  must  have  been 
more  than  $50.  (Note:  Neither  of  these  are  necessary  if  Your  purchase  was 
based  on  an  advertisement  We  mailed  to  You,  or  if  We  own  the  company 
that sold You the goods or services.) 

2)  You  must  have  used  Your  Credit  Card  for  the  purchase.  Purchases  made 
with cash advances from an ATM or with a check that accesses Your Credit 
Card account do not qualify. 

Your Billing Rights: Keep this Document for Future Use 

3)  You must not yet have fully paid for the purchase. 

This  notice  tells  You  about  Your  rights  and  Our  responsibilities  under  the  Fair 
Credit Billing Act. 

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.  

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 Our address shown 
in this Agreement. In Your letter, give us the following information: 

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 - 2012. All Rights Reserved. 

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