CREDIT CARD ACCOUNT AGREEMENT 
                          AND FEDERAL DISCLOSURE STATEMENT
       P.O. Box 4000 
    Spokane Valley, WA 99037  THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-
  (800) 433-1837 or (509) 535-7613  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)  VISA Platinum:   _______% Introductory APR for   ________ months. 
 For Purchases          After that, Your APR will be  _______%, and will vary with the market based on the 
                        Prime Rate. 
                       
                       ____________________:   _______% Introductory APR for   ________ months. 
                        After that, Your APR will be  ______%. 
                       
 Annual Percentage Rate (APR)  VISA Platinum:   _______% Introductory APR for   ________ months. 
 For Balance Transfers  After that, Your APR will be   _______%, and will vary with the market based on the Prime 
  
                        Rate. 
                       
                       _________________:  _______% Introductory APR for   ________ months. 
                        After that, Your APR will be   _______%. 
                       
 Annual Percentage Rate (APR)  VISA Platinum:   _______% Introductory APR for   ________ months. 
 For Cash Advances      After that, Your APR will be   _______%, and will vary with the market based on the Prime 
  
                        Rate. 
                       
                       _________________:  _______% Introductory APR for   ________ months. 
                        After that, Your APR will be   _______%. 
 Penalty APR And When it  Up to 18.00% 
                       
 Applies 
                        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. 
  
                      Your due date is at least 25 days after the close of each billing cycle. We will not charge You 
 Paying Interest 
                      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  To learn more about factors to consider when applying for or using a Credit Card, visit the website 
 Federal Reserve Board  of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. 
 Fees 
                       
 Transaction Fees      
                       
   ? Foreign Transaction   ________% of each foreign currency transaction in U.S. dollars. 
  
                       ________% of each U.S. Dollar transaction that occurs in a foreign country. 
                       
                       
 Penalty Fees          
                       
   ? Returned Payment  Up to $  ________ 
   ? Late Payment     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 Introductory APR: We may end Your introductory APR and apply the Penalty APR if You make a late payment or are 
 otherwise in default. 
  
 Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account 
 Agreement.  
 Copyright Oak Tree Business Systems, Inc., 2000 - 2011. All Rights Reserved.  Page 1 of 5                                   OTBS 016CC VISA NUME (3/11) 
 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. 
  
 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.  
  
                                               Introductory
                                   Introductory                         ANNUAL 
                                                ANNUAL       Daily  
                       Introductory  Daily Periodic                   PERCENTAGE 
                                              PERCENTAGE  Periodic Rate 
                       Rate Period   Rate                                RATE 
       VISA Credit Card Type                    RATE     For Purchases  (1) 
                                  For Purchases                       For Purchases  (1) 
                                              For Purchases 
                                                               
                                                                           
                                to                     %              %               %               % 
  
                                               Introductory
                                   Introductory                         ANNUAL 
                                                ANNUAL    Daily Periodic 
                                  Daily Periodic                      PERCENTAGE 
                       Introductory           PERCENTAGE     Rate 
                                     Rate                                RATE 
                       Rate Period              RATE       For Balance 
                                   For Balance                         For Balance 
       VISA Credit Card Type                   For Balance  Transfers  (1) 
                                   Transfers                           Transfers  (1) 
                                               Transfers 
                                                               
                                                                           
                                to                     %              %               %               % 
  
                                               Introductory
                                   Introductory                         ANNUAL 
                                                ANNUAL    Daily Periodic 
                                  Daily Periodic                      PERCENTAGE 
                       Introductory           PERCENTAGE     Rate 
                                     Rate                                RATE 
                       Rate Period              RATE        For Cash 
                                   For Cash                             For Cash 
       VISA Credit Card Type                    For Cash   Advances  (1) 
                                   Advances                            Advances  (1) 
                                               Advances 
                                                               
                                                                           
                                to                     %              %               %               % 
  
 (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  You will keep Your unpaid balance within Your Credit Limit, and You will pay any 
 place that it is honored and to get cash advances at participating financial  amount over Your Credit Limit on Our demand whether or not We authorize the 
 institutions or ATMs. You agree not to use Your Card for illegal transactions  advances which caused You to exceed Your Credit Limit. Even if Your unpaid 
 including, but not limited to, advances made for the purpose of gambling and/or  balance is less than Your Credit Limit, You will have no credit available during any 
 wagering where such practices are in violation of applicable state and/or federal  time that any aspect of Your Account is in default. 
 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  JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for 
 shares and/or collateral offered as security.  the repayment of any amounts owed. If any Account access device, such as a 
                                          Personal Identification Number (PIN) is requested and approved, You understand 
 SECURITY. You acknowledge that You own any certificates, shares and/or  that any such Account access device(s) will be mailed only to the primary Borrower 
 collateral pledged as security and that there are no other liens against them other  at the address that We have on file for You. We may refuse to follow any 
 than Ours. You agree to perform all acts which are necessary to make Our security  instructions which run counter to this provision. 
 interest in the certificates, shares and/or collateral being pledged enforceable.    
                                          MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need 
 OTHER SECURITY. Collateral (other than household goods or any dwelling) given  only pay the Minimum Monthly Payments, You understand that You have the right 
 as security under this Agreement or for any other loan You may have with Us will  to repay Your Account at any time without penalty. You also understand that You 
 secure all amounts You owe Us now and in the future if that status is reflected in  will only be charged periodic Finance Charges to the date You repay Your entire 
 the "Security" section under the "Truth-in-Lending Disclosure" in any particular  Account balance. You may make larger payments without penalty. Any partial 
 Loan Agreement evidencing such debt.     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.  
 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  Payments will be applied in the following order: (a) any previously billed yet unpaid 
 or to become due to You from Us to the extent You owe on any unpaid  Finance Charges on cash advances; (b) any previously billed yet unpaid Finance 
 Credit Card balance.                     Charges on balance transfers; (c) any previously billed yet unpaid Finance 
                                          Charges on purchases; (d) any previously billed yet unpaid Finance Charges on 
 ACCOUNT RESTRICTIONS. In order to receive and maintain a Secured VISA  cash advances that are subject to a discounted introductory or promotional rate; 
 Credit Card, You agree to give Us a specific pledge of shares or certificates which  (e) any previously billed yet unpaid Finance Charges on balance transfers that are 
 will be equal to Your credit limit. In the event that You default on Your Account, We  subject to a discounted introductory or promotional rate; (f) any previously billed 
 may apply these shares or certificates toward the repayment of any amount owed  yet unpaid Finance Charges on purchases that are subject to a discounted 
 on such Account. To be certain that Your entire balance and all advances on Your  introductory or promotional rate; (g) any fees owing; (h) the balance for cash 
 Account are paid, any shares pledged may not be available to You for 30 days  advances that are subject to a discounted introductory or promotional rate; (i) the 
 after You have cancelled Your Account.   balance for balance transfers that are subject to a discounted introductory or 
                                          promotional rate; (j) the balance for purchases that are subject to a discounted 
 LINE OF CREDIT LIMITS. You will be notified of Your specific Credit Limits for advances  introductory or promotional rate; (k) the balance for cash advances; (l) the balance 
 which are made under Your Account. Unless You are in default, Your Credit Limit will  for balance transfers; and then to (m) the balance for purchases. As required by 
 generally be self-replenishing as You make payments on Your Account.  law, any amounts paid in excess of the Minimum Monthly Payment will first be 
                                           
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 applied to the balance bearing the highest rate of interest, and then to each  Margin for the balance for purchases is        , whereas the Margin for the 
 successive balance bearing the next highest rate of interest, until the payment  balances for cash advances and balance transfers is        . The Index plus 
 is depleted.                             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 
 Any unpaid portion of the Finance Charge will be paid by subsequent payments  the Interest Rate will cause like increases or decreases in the Finance Charge 
 and will not be added to Your principal balance. You understand that any delay in  and will affect the number of Your regularly scheduled payments. Your Interest 
 the repayment of Your unpaid balance will increase Your periodic Finance Charges  Rate will never be greater than 18.00% and will apply to Your remaining 
 and any acceleration in the repayment of Your unpaid balance will decrease Your  principal balance. 
 periodic Finance Charges.                 
                                          LATE CHARGE. If Your payment is more than 10 days late, You will be charged 
 Minimum Payments will be an amount equal to 2.50% of Your new unpaid VISA  either: (a) 5.00% of the payment due if at the time of application You are a resident of 
 balance at the end of each billing cycle, subject to the lesser of $25 or Your  the State of Idaho (unless Your required minimum payment amount is less than the 
 balance, plus any portion of the Minimum Payments shown on prior statement(s)  amount calculated according to this provision, in which case the late charge will equal 
 which remains unpaid, plus any amount that exceeds Your approved Credit Limit.  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 
 You may, by separate agreement, authorize Us to charge Your payment directly to  amount is less than the amount calculated according to this provision, in which case 
 Your share or share draft account.       the late charge will equal the amount of the payment past due). 
                                           
 FINANCE CHARGES. In the case of any transactions under Your Account, the  OTHER FEES AND CHARGES. We may, at Our option, and to the extent 
 balances subject to the periodic Finance Charge are the separate average daily  permitted by law, charge the following fees and charges associated with the use of 
 transactions balances outstanding during the month (including new transactions).   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 
 To get the average daily balance for purchases, We take the beginning balance of  returned unpaid; (b) a replacement fee for a lost Card; (c) a document copy fee for 
 purchases for Your Account each day, add any new purchases, payment  each copy of a sales draft and a fee for each statement copy that You request 
 protection fees, debit adjustments or other charges and subtract any payments,  which is unrelated to a valid billing error dispute; (d) a fee for each sales receipt 
 credits and unpaid Fees and Finance Charges that apply to Your balance for  original that You request; (e) a fee each time Your Card usage is blocked for 
 purchases. This gives Us the daily balance for purchases. Then, We add up those  reasonable cause; and (f) a fee for each pre-authorized payment that You 
 daily balances for the billing cycle and divide them by the number of days in the  authorize to be charged to Your Account, and subsequently stop payment on.  The 
 billing cycle. The Finance Charge for purchases is computed by multiplying the  amount of such other fees and additional charges are set forth in the 
 average daily balance for purchases that is subject to a Finance Charge by the  accompanying pricing document which We have included with and made a part of 
 Daily Periodic Rate times the number of days in the billing cycle.  this Agreement. 
                                           
 To get the average daily balance for balance transfers, We take the beginning  PERIODIC STATEMENTS. On a regular basis, You will receive a statement 
 balance of balance transfers for Your Account each day, add any new balance  showing all transactions on Your Account including amounts paid and borrowed 
 transfers, debit adjustments or other charges and subtract any payments, credits and  since Your last statement. We will provide You a statement each month in which 
 unpaid Fees and Finance Charges that apply to Your balance for balance transfers.  there is a debit or credit balance or when a Finance Charge is imposed. We need 
 This gives Us the daily balance for balance transfers. Then, We add up those daily  not send You a statement if We feel Your Account is uncollectible or if We have 
 balances for the billing cycle and divide them by the number of days in the billing  started collection proceedings against You because You defaulted. Each 
 cycle. The Finance Charge for balance transfers is computed by multiplying the  statement is deemed to be a correct statement of account unless You establish a 
 average daily balance for balance transfers that is subject to a Finance Charge by the  billing error pursuant to the Federal Truth-In-Lending Act. 
 Daily Periodic Rate times the number of days in the billing cycle.   
                                          DEFAULT. You will be in default if: (a) You do not make any payment or perform 
 To get the average daily balance for cash advances, We take the beginning  any obligation under this Agreement, or any other agreement that You may have 
 balance of cash advances for Your Account each day, add any new cash  with Us; or (b) You should die, become involved in any insolvency, receivership or 
 advances, debit adjustments or other charges and subtract any payments, credits  custodial proceeding brought by or against You; or (c) You have made a false or 
 and unpaid Fees and Finance Charges that apply to Your balance for cash  misleading statement in Your credit application and/or in Your representations to 
 advances. This gives Us the daily balance. Then, We add up those daily balances  Us while You owe money on Your Account; or (d) A judgment or tax lien should be 
 for the billing cycle and divide them by the number of days in the billing cycle. The  filed against You or any attachment or  garnishment should be issued against any 
 Finance Charge for cash advances is computed by multiplying the average daily  of Your property or rights, specifically including anyone starting an action or 
 balance for cash advances that is subject to a Finance Charge by the Daily  proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in 
 Periodic Rate times the number of days in the billing cycle.  good faith, believe Your ability to repay Your indebtedness hereunder is or soon 
                                          will be impaired, time being of the very essence. 
 To get the separate average daily balances for any discounted introductory or   
 promotional rate balances applicable to purchases, balance transfers or cash  Upon any occurrence of default, We may, to the extent permitted by law, cancel 
 advances, We take the beginning discounted introductory or promotional rate  Your rights under this Agreement, require the return of all access devices and 
 balance for purchases, balance transfers or cash advances for Your Account each  declare the entire balance of Your Account immediately due and payable, without 
 day, add any new purchases, balance transfers or cash advances (that are subject  prior notice or demand.  
 to a discounted introductory or promotional rate), debit adjustments or other   
 charges and subtract any payments, credits and unpaid Fees and Finance  PENALTY RATE. In the event that Your Account is in default We may, at Our 
 Charges that apply to those balances. This gives Us the daily balances. Then, We  option, and to the extent permitted by law, increase the Annual Percentage Rate 
 add up those daily balances for the billing cycle and divide them by the number of  applicable to Your Account to the greater of the highest rate applicable to any 
 days in the billing cycle. The Finance Charge for the separate average daily  Credit Card Account We offer or the maximum allowed by law (subject to a 
 balances for any discounted introductory or promotional rate balances applicable  maximum in any event of 18.00%).  
 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  The increased Annual Percentage Rate will apply indefinitely to any subsequent 
 Periodic Rate times the number of days in the billing cycle.  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 
 The total Finance Charge for Student VISA, Secured VISA, VISA Gold or VISA  increased Annual Percentage Rate may also be applied to the portion of Your 
 Platinum that You will owe for a billing cycle is the sum of the Finance Charges owed  balance existing prior to the effective date of the increase. During the six month 
 on these separate average daily transactions balances outstanding during the month.  period following the effective date of an increase that resulted from a delinquency 
 You can avoid Finance Charges on purchases by paying the entire balance owed  in excess of 60 days, upon receipt of the first six consecutive required minimum 
 each month by Your payment due date, which will be at least 25 days after Your  periodic payments when due, the rate applicable to the balance of transactions 
 statement closing date. Otherwise, the new balance of purchases, and subsequent  that occurred prior to such increase will be returned to the standard rate that would 
 purchases from the date they are posted to Your Account, will be subject to a  have otherwise been in effect. Otherwise, the increased Annual Percentage Rate 
 Finance Charge. Cash advances and balance transfers are always subject to a  will also apply indefinitely to the portion of Your balance that existed prior to the 
 Finance Charge from the date they are posted to Your Account.  effective date of the increase. 
                                           
 VISA PLATINUM VARIABLE RATE. Following the expiration of any Introductory  COLLECTION COSTS. In the event collection efforts are required to obtain 
 Rate period, VISA Platinum advances will be subject to a Variable Rate which is  payment on this Account, unless prohibited by law, You agree to pay all court 
 based on the highest Prime Rate as published in the Money Rates section of The  costs, private process server fees, investigation fees or other costs incurred in 
 Wall Street Journal in effect on the day that any Introductory Rate period expires,  collection and reasonable attorneys� fees incurred in the course of collecting any 
              th
 and subsequently, on the 25  day of each month ("Index") plus Our Margin. The  amounts owed under this Agreement or in the recovery of any collateral. 
 Copyright Oak Tree Business Systems, Inc., 2000 - 2011. All Rights Reserved.  Page 3 of 5                                   OTBS 016CC VISA NUME (3/11) 
 ENFORCEMENT. We do not lose Our rights under this or any related agreement if We  FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and 
 delay enforcing them. We can accept late payments, partial payments or any other  foreign currencies, the exchange rate between the transaction currency and the 
 payments, even if they are marked "paid in full" without losing any of Our rights under this  billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of 
 Agreement. If any provision of this or any related agreement is determined to be  rates available in wholesale currency markets for the applicable central processing 
 unenforceable or invalid, all other provisions remain in full force and effect.  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 
 NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move  each instance, plus a percentage stated in the current fee schedule. 
 or otherwise have a change of address.    
                                          TRANSACTION SLIPS. Your monthly statement will identify that merchant, 
 CHANGE IN TERMS. We may change the terms of this Agreement by mailing or  electronic terminal or financial institution at which transactions were made, but 
 delivering to You written notice of the changes as prescribed by the Federal Truth- sales, cash advances, credit or other slips cannot be returned with the statement. 
 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  LOST CARDS. To report lost or stolen Credit Cards, You will call Us immediately 
 applicable to Your unpaid balance and/or future advances.  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. 
 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  CREDITS. If a merchant who honors Your Card gives You credit for returns or 
 Your Account.                            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 
 PAYMENT PROTECTION. Payment protection is not required for any extension of  apply this credit against future purchases and cash advances, or if it is $1.00 or 
 credit under this Agreement. However, You may purchase any payment protection  more refund it on Your written request or automatically deposit it to Your share 
 available through Us and have the fees added to Your outstanding Account  account after 6 months. 
 balance. If You elect to do so, You will be given the necessary disclosures and   
 documents separately.                    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 
 INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional  laws are not inconsistent with controlling federal law. You agree that the venue of 
 Disclosure - Federal Truth-In-Lending Act", and/or "Credit Line Account Advance  any action brought by any party to this Agreement may, at Our option, be laid in 
 Request and Security Agreement" which is delivered together with this Agreement  the county in which Our main office is located. 
 or at a later date becomes an integrated part of this Agreement and Disclosure.   
                                               Your Billing Rights: Keep this Document for Future Use 
 CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Credit   
 Line Account Agreement and Disclosure. By signing the Application; by using Your  This notice tells You about Your rights and Our responsibilities under the Fair 
 Account or by using any Account access device; or by authorizing another to use  Credit Billing Act. 
 Your Account, You agree to and accept its terms.   
                                                What To Do If You Find A Mistake On Your Statement 
 UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide   
 facts to update information contained in Your original Account Application or other  If You think there is an error on Your statement, write to Us at Our address shown 
 financial information related to You, at Our request. You also agree  that We may,  in this Agreement. In Your letter, give us the following information: 
 from time to time, as We deem necessary, make inquiries pertaining to Your   
 employment, credit standing and financial responsibility in accordance with  ?  Account information: Your name and Account number. 
 applicable laws and regulations. You further agree that We may give information  ?  Dollar amount: The dollar amount of the suspected error. 
 about the status and payment history of Your Account to consumer credit reporting  ?  Description of problem: If You think there is an error on Your bill, describe 
 agencies, a prospective employer or insurer, or a state or federal licensing agency  what You believe is wrong and why You believe it is a mistake. 
 having any apparent legitimate business need for such information.   
                                          You must contact Us: 
 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.  ?  Within 60 days after the error appeared on Your statement. 
 You will, in any case, remain liable to pay any unpaid balances according to the  ?  At least 3 business days before an automated payment is scheduled, if You 
 terms of Your Account.                     want to stop payment on the amount You think is wrong. 
                                           
 OWNERSHIP. All Credit Cards remain Our property and may be cancelled by Us  You must notify Us of any potential errors in writing. You may call Us, but if You do 
 at any time without notice. You agree to surrender the Cards and to discontinue  We are not required to investigate any potential errors and You may have to pay 
 their use immediately upon Our request.  the amount in question. 
                                           
 ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon  What Will Happen After We Receive Your Letter 
 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  When We receive Your letter, We must do two things: 
 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  1)  Within 30 days of receiving Your letter, We must tell You that We received 
 Fund Transfer, the terms and conditions of Your Electronic Fund Transfer  Your letter. We will also tell You if We have already corrected the error. 
 Agreement may also affect Your rights.   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. 
 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,  While We investigate whether or not there has been an error: 
 this Agreement is the contract which solely applies to all transactions involving   
 the Card.                                ?  We cannot try to collect the amount in question, or report You as delinquent 
                                            on that amount. 
 UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.  ?  The charge in question may remain on Your statement, and We may 
 You will not be liable for the unauthorized use that occurs after You notify Us of the  continue to charge You interest on that amount. 
 loss, theft, or possible unauthorized use by calling Us at (509) 535-7613 or (800)  ?  While You do not have to pay the amount in question, You are responsible 
 433-1837 or by writing to Us at P. O. Box 4000, Spokane Valley, WA 99037-4000.  for the remainder of Your balance. 
                                          ?  We can apply any unpaid amount against Your Credit Limit. 
 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  After We finish Our investigation, one of two things will happen: 
 to honor the Cards or complete a transaction, or for their retention of the Cards.   
                                          ?  If We made a mistake: You will not have to pay the amount in question or any 
 REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not  interest or other fees related to that amount. 
 liable for the refusal or inability of merchants, financial institutions and others to  ?  If We do not believe there was a mistake: You will have to pay the amount in 
 accept the Cards or Convenience Checks, or electronic terminals to honor the  question, along with applicable interest and fees. We will send You a 
 Cards or complete a Card withdrawal, or for their retention of the Cards or  statement of the amount You owe and the date payment is due. We may then 
 Convenience Checks.                        report You as delinquent if You do not pay the amount We think You owe. 
                                           
 Copyright Oak Tree Business Systems, Inc., 2000 - 2011. All Rights Reserved.  Page 4 of 5                                   OTBS 016CC VISA NUME (3/11) 
 If You receive Our explanation but still believe Your bill is wrong, You must  more than $50. (Note: Neither of these are necessary if Your purchase was 
 write to Us within 10 days telling Us that You still refuse to pay. If You do so,  based on an advertisement We mailed to You, or if We own the company 
 We cannot report You as delinquent without also reporting that You are  that sold You the goods or services.) 
 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  2)  You must have used Your Credit Card for the purchase. Purchases made 
 the matter has been settled between Us. If We do not follow all of the rules  with cash advances from an ATM or with a check that accesses Your Credit 
 above, You do not have to pay the first $50 of the amount You question even  Card account do not qualify. 
 if Your bill is correct.                  
                                          3)  You must not yet have fully paid for the purchase. 
   Your Rights If You Are Dissatisfied With Your Credit Card Purchases   
                                            If all of the criteria above are met and You are still dissatisfied with the 
 If You are dissatisfied with the goods or services that You have purchased with  purchase, contact Us in writing at Our address shown in this Agreement.  
 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  While We investigate, the same rules apply to the disputed amount as 
 purchase. To use this right, all of the following must be true:  discussed above. After We finish Our investigation, We will tell You Our 
 1)  The purchase must have been made in Your home state or within 100 miles  decision. At that point, if We think You owe an amount and You do not pay, 
   of Your current mailing address, and the purchase price must have been  We may report You as delinquent. 
  
  
  
  
  
  
  
  
  
   
  
  
  
  
  
  
 Copyright Oak Tree Business Systems, Inc., 2000 - 2011. All Rights Reserved.  Page 5 of 5                                   OTBS 016CC VISA NUME (3/11)