-Gesa 

CREDIT  UNION 

P.O. Box500 
Ridlland, WA 99352 
phone: 509.946.1 611 
fax : 509.943.3679 
www.gesa.com 

CREDIT LINE ACCOUNT 
AGREE:MENT  AND  DISCLOSURE 

IS  YOUR  CREDIT  UNE  ACCOUNT  AGREEMENT  AND 

THIS 
INCLUDES  NECESSARY  FEDERAL 
TRUTH-IN-LENDING  DISCLOSURE  STATEMENTS,  STUDENT  VISA,  SHARE  SECURED  VISA  GOLD,  VISA  GOLD 
AND  PLAnNUM PLUS VISA AGREEMENTS, AND ANY  SPECIAL INSTRUCTIONS REGARDING THE USE  OF YOUR 
STUDENT  VISA,  SHARE  SECURED  VISA  GOLD,  VISA  GOLD  AND  PLAnNUM  PLUS  VISA  CREDIT  CARDS, 
AND/OR  ANY  OTHER  ACCOUNT  ACCESS  DEVICE.  PLEASE  BE  CERTAIN  TO  READ  THIS  AGREEMENT 
CAREFULLY AND NOnFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

IT 

Interest Rate  and  Interest Charges 

Annual  Percentage Rate  (APR) 
For Purchases 

Platinum Plus VISA 
following the date You establish Your Card. 

NJA 

0/o introductory APR for the first ~ months 

After that, Your APR will be 
based on the Prime Rate. 

as low as 8.25 

°/o and will vary with the market 

VISA Gold 
the date You establish Your Card. 

NJA 

0
/o introductory APR for the first~ months following 

After that, Your APR will be 
based on the Prime Rate. 

•• 1ow as 8.25 

o/o  and will vary with the market 

Share Secured VISA Gold 
months following the date You establish Your Card. 

NJA 

0/o introductory APR for the first~ 

After that, Your APR will be 
based on the Prime Rate. 

as 1ow as 8.25 

°/o and will vary with the market 

Student VISA 
following the date You establish Your Card. 

NJA 

0/o introductory APR for the first ~ months 

After that, Your APR will be 
based on the Prime Rate.  - - - - - -

NJA 

0/o and will vary with the market 

Annual Percentage Rate (APR) 
For Balance Transfers 

Platinum Plus VISA 
the date You establish Your Card. 

NJA 

% introductory APR for the first~ months following 

After that, Your APR will be  aslowas9.25% and will vary with the market based on the 
Prime Rate. 

VISA Gold 
You establish Your Card. 

NJA 

% introductory APR for the first~ months following the date 

After that, Your APR will be  as low •• 8.25 % and will  vary with the market based on the 
Prime Rate. 

Share Secured VISA Gold 
following the date You establish Your Card. 

NJA 

% introductory APR for the first ~ months 

After that, Your APR will be as 1ow as 8.25 % and will  vary with the market based on the 
Prime Rate. 

Student VISA 
date You establish Your Card. 

NJA 

% introductory APR for the first~ months following the 

After that, Your APR will be __  NJ_A __  % and will vary with the market based on 
the Prime Rate. 

SEE TOP OF PAGES 2 AND 3 for more important infonnation about Your Account 

Copyright Oak Tree  Business  Systems,  Inc.,  2009-201 2. All Rights  Reserved .  Page  1 of 6 

OTBS 0 16  GESA (3/12 1 

Interest Rate  and  Interest Charges  continued) 

Annual  Percentage  Rate  (APR) 
For Cash  Advances 

Platinum  Plus VISA 
the date You establish  Your Card. 

NJA 

% introductory APR for the first~ months following 

After that, Your APR will be  as low •• 9.25% and will  vary with the market based on the 
Prime Rate. 

VISA Gold 
You establish Your Card. 

NJA  % introductory APR for1he first~ months following-the date 

-

-

After that, Your APR will be  as low •• 8.25% and will vary with the market based on the 
Prime Rate. 

Share Secured VISA Gold 
following the date You establish Your Card. 

NJA 

o/o  introductory APR for the first 

NJA  months 

- -

After that, Your APR will be as low as 8.25 % and will  vary with the market based on the 
Prime Rate. 

Student VISA 
date You establish Your Card. 

NJA  % introductory APR for the first~ months following the 

After that, Your APR will be __  NI_,. __ % and will vary with the market based on 
the Prime Rate. 

Personal Line of Credit  •• 1ow •• 8.50% 

Overdraft Line of Credit 

18.00 

o/o 

Penalty APR And When  it 
Applies 

18.00% 

This APR may be applied to Your VISA Feature Category if: 
1)  You make a late payment. 

How  Long  Will  The  Penalty  APR  Apply?  If  Your  APRs  are  increased  for  this 
reason, the  Penalty  APR  applied  to  transactions that occur after the  increase  may 
be  applied  indefinitely.  If  the  Penalty  APR  is  later  applied  to  transactions  that 
occurred prior to  the effective date of the  initial  increase (because of a delinquency 
in  excess  of  60  days  past  due),  the  subsequent  increase  will  apply  unless  6 
consecutive  payments are  received on or before the  due date during the  six-month 
period following such increase. 

18.00% 

This APR may be applied to Your Personal Line of Credit or Overdraft Line of Credit 
Feature Category if: 
1)  You make a late payment. 

How  Long  Will  The  Penalty  APR  Apply?  If  Your  APR  ·is  increased  for  this 
reason, the Penalty APR may be applied indefinitely. 

For VISA, We will  not charge  You  interest on  purchases if You  pay Your entire balance 
owed  each  month  within  25  days  of  Your  statement  closing  date.  For  all  Feature 
Categories, We will  begin  charging  interest on  cash  advances  and  balance transfers  on 
the transaction date. 

Paying Interest 

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·lJwww consumerfinance goy/leammore 

Fees 

Annual Fee 

Transaction  Fees 

•  Overdraft Fee 
•  Foreign Transaction 

For Personal Line of Credit, $15.00 

For Personal Line of Credit $15.00, and for Overdraft Line of Credit $15.00. 
For VISA, 1.00% of each foreign currency transaction in  U.S. dollars. 
For VISA, 0.80% of each U.S. Dollar transaction that occurs in a foreign country. 

SEE TOP  OF PAGE 3 for more important information about Your Account 

Copyright Oak Tree  Business  Syst ems, Inc.,  2009-2012 . A ll  Rights Reserved .  Page 2  of 6 

OTBS 0 16  GESA 13/1 2) 

Fees  (continued) 

Penalty Fees 

•  Returned Payment 

•  Late Payment 

Except for VISA, $25.00 
For VISA,  up to $25.00 
Except for VISA, the greater of 5.00% of the payment due or $35.00, after 9 days 
For VISA, up to $25.00 after 14 days 

How 'lfe  Will  Cal~ulate Your. Bala~ce: Except VISA, We use a method called  "daily balance."  For VISA, We use a method 
called  average da1ly balance (1nclud1ng new purchases)." See Your Account Agreement for details. 

Loss of Introductory APR:  We may end Your introductory APR and apply the penalty APR if Your payments are late. 

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

In this Agreeme~t._  the_ reference to "We", •us· , "Our" and "Credit Union•  mean  GESA CREDIT UNION. The words "You"  and "Your" mean each person accepting this 
Agreement. If th1s IS a JOint Account, read Singular pronouns 1n  the plural. The words "Card" and "Credit Card" mean any Student VISA, Share Secured VISA Gold, VISA 
Gold or Platinum Plus VISA Credit Card 1ssued to You by Us and any duplicates or renewals. "Convenience Checks"  mean the special Account access devices that We 
may provide for Your use from time to time. 

You, as the Borrower, under a  Credit line Account ("Account"), understand that the following  Federal Disclosure Statement and the tenns and conditions found  herein 
constitute Our Agreement with  You. You may request advances on Your A~count through a  variety of  means which  could  indude (but may not be limited to) telephonic 
requests, advance  request forms, vouchers, checks,  charge  sl1ps, Convemence Checks, Debit Cards  ATM  Cards  Credit Cards  wire transfers  direct transfers  and/or 
wire transfers to  specific payees identi_fied  by You , direct transfers to  Your share/share  draft or other Credit UniOO  account and' the  like.  Regai-dless of  the means by 
whi ch  any advance 1s made, You promise to pay l!s all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent 
or 1mphed authority for use of Your Account,  mdudmg F1nance Charges and other fees or charges described herein. 

FEATURE  CATEGORIES.  Your Account has Feature Categories which  may indude Overdraft line of Credit, Personal  Line of Credit (induding Overdraft Protection) 
Student VISA, Share Secured VISA Gold, VISA Gold and Platinum Plus VISA. 
' 

_ 

Feature Category 

Variable Rate 

Index 

Margin 

Overdraft Line of Credit 

Personal  Line of Credit 

Student VISA 

Share Secured VISA Gold 

VISA Gold 

Platinum Plus VISA 

Dally 
Periooic 
Rate 

ANNUAL 
PERCENTAGE 
RATE 

0.049315 % 

18.00 % 

M  low as 0.023287 % 

as low as 8.50  % 

NJA 

3.25% 

3.25% 

3.25% 

NJA 

NIA % 

NJA% 

M  low as 5.00% 

M  low as 0.022602 % 

M  low as 5.00% 

M  low as 0.022602 % 

M  low as 6.00% 

M  low as 0.025342% 

as low as 8.25  % 

as low as 8.25  % 

as low as 9.25  % 

ADVANCES.  Whenever You request a transaction , We may require You to prove 
Your identity.  Advances  made  on  Your Account will  be  processed  according  to 
the  instructions  You  give  Us  (such  as  by  wire  transfer,  direct  transfer  to  Your 
Credit Union account or by other such means) and You authorize Us to do this, or 
We may draw a draft or check made payable to You and  mail it to You. When the 
amount  advanced  appears  on  a  subsequent  statement,  that  will  be  conclusive 
evidence  of Your advance  request  unless  You  notify  Us that  You  disagree with 
any such item appearing on Your periodic statement according to the provision of 
this  Agreement titled  "Your Billing Rights:  Keep  this  Document for Future  Use". 
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, certificates and/or Collateral offered as security. 

Each Personal line of Credit advance must be at least equal to $50.00 , whereas 
each Overdraft Line of Credit advance must be at least equal to $25.00. 

SECURITY. As permitted by law, to secure all transactions under this Agreement 
in either joint or individual  Accounts, We have the right to impress and enforce a 
statutory lien  against Your shares on deposit with  Us (other than those deposits 
established under a  governmental approved  tax deferral  plan such as an  IRA or 
Keogh account), and any dividends due or to become due to You from Us to the 
extent  that  You  owe  on  any  unpaid  balance  on  Your  Account  and  We  may 
enforce Our right to  do so without further  notice  to  You. Additionally, You agree 
that We may set-{)ff any mutual indebtedness. 

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  dwefting) 
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 Mure if that status is  Us 
will secure all amounts You owe Us now and in the Mure if that status is reflected 
in  the  "Truth-in-Lending  Disdosure"  in  any  particular  Agreement  evidencing 
such debt. 

CONSENSUAL LIEN  ON  SHARES.  If You  have  been  Issued  a  Credit Card, 
Debit Card  or ATM  Card  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,  and/or Personal  Line  of Credit balance  created  through the 
use of Your Debit Card or ATM Card. 

ACCOUNT  RESTRICTIONS.  In  order  to  receive  and maintain a  Share  Secured 
VISA  Gold  Feature  Category,  You  agree to  give Us  a  specific  pledge of shares 
which  will  equal  Your Credit Limit.  In  the event  that  You default on  Your Share 
Secured  VISA  Gold  Feature  Category,  We  may apply  these  shares  toward  the 
repayment of any amount owed on such  Feature Category. You may cancel Your 
Share Secured VISA Gold Feature Category at any time by paying any amounts 
owed on that  Feature  Category.  To  be  certain that  Your entire  balance  and  all 
advances are paid,  any shares pledged may not be available to You for 30 days 
after You have cancelled and any outstanding balance is paid in full . 

LINE  OF  CREDIT  LIMITS.  You will  be  notified  of each  specific Credit  Limit for 
each Feature Category for which  You  are  approved . Unless You  are  in  default, 
any  Credit  Limits established  for You  will  generally  be self-replenishing  as You 
make payments. 

You will keep Your unpaid  balance  within  Your  Credit limit set  by Us, 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 Cred'rt  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. 

Copyright Oak Tree Business  Systems,  Inc.,  2009-2012 . All Rights Reserved .  Page  3  of 6 

OTBS 0 16  GESA 13/1 21 

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 at any time without penalty. You  also understand that You will only 
be charged periodic Finance Charges to the date You repay Your entire balance. 
You  may  make  larger  payments  without  penalty.  Any  partial  payment  or 
prepayment will not delay Your next scheduled payment All payments to Us must 
be  in  lawful  money  of  the  United  States.  We  may  apply  each  payment  to 
whichever Feature Category We wish . For all  Feature Categories (except VISA), 
payments  will  be  applied  first  to  any  Late  Charges  owing, then  to  the  Finance 
Charge due, then  to the outstanding  principal  balance. As permitted  by law, We 
may apply VISA payments in the order of Our choosing. 

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. 

Overdraft  Line  of Credit  Minimum  Monthly  Payments  will  be  established  at the 
dose of each billing cycle at an amount equal to 20.00% of Your then outstanding 
balance, subject to the lesser of$100.00 or Your balance. 

Personal  Line  of Credit  Minimum  Monthly  Payments  will  be  established  at the 
dose of each billing cycle at an  amount equal to 3.00% of Your then  outstanding 
balance, subject to the lesser of $50.00 or Your balance. 

Student  VISA,  Share  Secured  VISA  Gold,  VISA  Gold  and  Platinum  Plus  VISA 
Minimum  Payments  will  be  an  amount  equal  to  2.50%  of  Your  new  unpaid 
Student  VISA,  Share  Secured  VISA  Gold,  VISA  Gold  or  Platinum  Plus  VISA 
balance  at the end  of each  billing  cycle, subject to  the lesser  of $15.00 or Your 
balance, plus any portion of the Minimum Payments shown on prior statement(s) 
which remains unpaid, plus any amount that exceeds Your approved Credit Limit 

You  may, by separate agreement, authorize  Us to  charge Your payment directly 
to Your share or share draft account 

LATE CHARGE  (EXCEPT VISA).  If Your payment is  10 or more days late, You 
will be charged the greater of $35.00 or 5.00% of the payment due. 

OTHER  FEES  AND  CHARGES  (EXCEPT  VISA).  You  will  be  charged  the 
following  fees  and  charges  associated  with  the  use  of  Your  Account:  (a)  for 
Overdraft Line of Credit, $15.00 for each advance that is triggered by an overdraft 
of Your  share  draft  account;  (b)  for  Personal  Line  of  Credit,  $ 15.00  for  each 
advance  that  is  triggered  by  an  overdraft  of Your  share  draft  account;  (c)  for 
Personal  Line  of  Credit,  a  $15.00  Annual  Fee  that  is  required  each  year  to 
continue  credit  availability  whether  or  not  You  use  such  Feature  Category 
throughout the year; and (d) $25.00 for any check (or other negotiable instrument 
used for payment) which is returned unpaid. 

FINANCE  CHARGES (EXCEPT  VISA).  A  Finance Charge will be assessed on 
any unpaid  principal  balance for each  Feature  Category of Your Account for the 
period  such  balance  is  outstanding.  Balances  change  each  time  advances  are 
made,  payments  are  made  or credits  given  under any  Feature  Category.  The 
Finance  Charge  begins to  accrue  on  the  date  of each  advance  and  there  is  no 
grace period . 

HOW  TO  DETERMINE  THE  FINANCE  CHARGE  (EXCEPT  VISA).  For  all 
Feature  Categories  (except  VISA),  the  Finance  Charge  is  determined  by 
multiplying Your unpaid balance at the close of each day in the billing cycle being 
accounted  for  by the  applicable  Daily  Periodic  Rate. The  unpaid  balance  is the 
balance  each  day after payments,  credits,  and  unpaid  Finance  Charges to that 
balance  have  been  subtracted  and  any  new advances,  insurance  premiums  or 
other  charges  have  been  added  to  Your  unpaid  balance.  These  daily  Finance 
Charges  are  then  added  together  and  the  sum  is  the  amount  of the  Finance 
Charge  owed  for  the  Feature  Category  being  accounted  for. The  total  Finance 
Charge  You  owe  on  Your  Account  for  each  billing  cyde  is  the  sum  of  all  the 
Finance Charges due for all applicable Feature Categories. 

VISA FINANCE  CHARGES.  In the case of any transactions under Your Student 
VISA,  Share  Secured  VISA  Gold,  VISA  Gold  or  Platinum  Plus  VISA  Feature 
Categories, the balances subject to the periodic Finance Charge are the average 
daily  transactions  balances  outstanding  during  the  month  (including  new 
transactions). To get the  average daily balance, We take the beginni119  balance 
each day, add  any new purchases, balance transfers, cash advances, msurance 
premiums, debit adjustments or other charges and subtract any payments, credits 
and unpaid Finance Charges. This gives Us the daily balance. Then, We add up 
all the daily balances for the billing  cycle and divide them  by the number of days 
in  the  billing  cycle.  The  Finance  Charge  for  a  billing  cycle  is  computed  by 
multiplying the  average daily balance  subject to  a  Finance  Charge  by  the  Daily 
Periodic Rate times the number of days in the billing cycle. 

You  can avoid  Finance  Charges on  purchases  by  paying  the  full  amount of the 
entire balance owed each  month within 25 days of 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 
later of the date they are posted to Your Account or from  the first day of the billing 
cycle in which the transaction is posted to Your Account 

For  Platinum  Plus  VISA,  Your  balance  is  subject  to  an  introductory  discounted 
Daily  Periodic  Rate  of 
NIA  %  (corresponding  ANNUAL  PERCENTAGE 
N/A  %).  Such  introductory  rate  wiD  remain  in  effect  for  a  period  of 
RATE 
~ consecutive  months  immediately  following  the  date  that  such  Feature 
Category  is  established.  As  permitted  by  law,  following  the  expiration  of  the 
introductory rate period, Your balances will be subject to the non-introductory rate. 

For  VISA  Gold,  Your  balance  is  subject  to  an  introductory  discounted  Daily 
Periodic  Rate  of 
NIA  %  (corresponding  ANNUAL  PERCENTAGE  RATE 

NIA  %).  Such  introductory  rate  will  remain  in  effect  for  a  period  of~ 

consecutive months immediately following the date that such Feature Category is 
established. As  permitted  by law,  following the expiration of the introductory rate 
period, Your balances will be subject to the non-introductory rate. 

For  Share  secured  VISA  Gold,  Your  balance  is  subject  to  an  introductory 
discounted  Daily  Periodic  Rate  of 
(corresponding  ANNUAL 
PERCENTAGE  RATE 
NIA  %).  Such  introductory rate  will  remain  in  effect 
for  a  period  of ~ consecutive  months  immediately  following  the  date  that 
such  Feature  Category  is  established.  As  permitted  by  law,  following  the 
expiration  of the  introductory  rate  pe.riod,  Your  balances  will  be  subject  to  the 
non-introductory rate. 

N/A  % 

For Student  VISA,  Your  balance  is  subject  to  an  introductory  discounted  Daily 
Periodic  Rate  of 
NIA  %  (corresponding  ANNUAL  PERCENTAGE  RATE 

N/A  %).  Such  introductory  rate  will  remain  in  effect for  a  period  of  N/A 
consecubve months immediately following the date that such  Feature CateQOIYis 
established.  As permitted  by law,  following the expiration of the introductory rate 
period, Your balances will be subject to the non-introductory rate. 

VISA VARIABLE  RATE. All VISA 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  on  the  day  that  any  introductory  rate  expires,  and 
subsequently on the last business day of each  month r lndexj  plus Our Margin. 
The  Index  plus  the  Margin  equals  the  Interest Rate.  Changes  in  the  Index  will 
cause  changes  in  the  Interest  Rate  on  the  day  that  any  introductory  rate 
expires,  and  subsequently  on  the  first  day  of ·each  bil 1ng  cycle.  Increases  or 
decreases  in  the  Interest  Rate  will  resuh  in  like  increases  or decreases  in  the 
Finance  Charge  and  may affect the  number of Your scheduled  payments.  Your 
Interest Rate will never be greater than  18.00% and will apply to Your remaining 
principal balance. 

DEFAULT  ANNUAL  PERCENTAGE  RATE  (EXCEPT  VISA).  If Your  Feature 
Category Account is at least 30 days past due twice in any 12-consecutive-month 
period  or  is  60  or  more  days  past  due  at  any  time,  the  Daily  Periodic  Rate 
applicable to  Your entire balance existing at that time  and  in  the future  for such 
Feature  Category  will  immediately  increase  to  0.049315%  (corresponding 
ANNUAL PERCENTAGE RATE 18.00%). 

VISA  PENAL TV  RATE.  If Your VISA Feature Category is 30 but not more than 
60 days past due twice during any 12-consecutive-month period or 60 days past 
due at any time, subject to  applicable  law, the  Daily  Periodic  Rate  applicable to 
future 
fixed  pe.riodic  rate  of  0.049315% 
(corresponding ANNUAL PERCENTAGE  RATE 18_00%). 

transactions  will 

increase 

to  a 

If  Your  VISA  Feature  Category  is  more  than  60  days  past  due,  subject  to 
applicable  law,  the  Monthly  Periodic  Rate  applicable  to  Your  entire  balance  of 
transactions existing at that time and in  the  future  will  increase to a fixed  periodic 
rate of0.049315% (corresponding  ANNUAL PERCENTAGE RATE 18.00%). 

During  the  six-month  period  following  the  effective  date  of  the  increase  that 
occurred  as  a  resuh  of Your VISA  Feature  Category  being  more  than  60  days 
past  due,  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  the  initial  increase  will  be  returned  to  the  standard  rate  that 
would have otherwise been in effect. 

OVERDRAFT  PROTECTION.  We  may  transfer funds  in  multiples of $50.00 for 
Your Personal  Line of Credit and  $25.00 for Your Overdraft Line of Credit (or in 
such  increments  as  We  may  from  time  to  time  determine)  to  Your  share  draft 
account by an advance on Your Personal Line of Credit or Overdraft line of Credit 
Feature Category as is applicable, subject to this provision, to clear any Overdraft 
on  Your  share  draft  account  Whether  or  not  such  transfers  occur  will  be 
controlled by this Agreement.  In any event, You hold Us harmless for any and all 
liability  which  might  otherwise  arise  if  the  transfer  does  not  occur.  Overdraft 
protection  automatically ceases if this Agreement is ever cancelled or terminated 
or Your Account is in default. 

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 uncolleclible or if We 
have started  collection  proceedings against  You  because You defauhed.  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. 

Copyright  Oak Tree Business  Systems,  Inc.,  2009-2012. All Rights Reserved .  Page 4  of 6 

OTBS 0 16  GESA 13/1 21 

OUR  RESPONSIBILITIES  TO  HONOR  CONVENIENCE  CHECKS.  We  are 
under  no  obligation  to  honor  Your  Convenience  Checks  if:  (1 )  by  paying  a 
Convenience  Check,  You  would  exceed  Your  Credit  Limit;  (2)  Your  Cards  or 
Convenience  Checks  have  been  reported  lost  or stolen ;  (3)  Your  Account  has 
been cancelled or has expired. If a postdated Convenience Check is paid and, as 
a  result,  any  other  Convenience  Check  is  returned  unpaid,  We  are  not 
responsible for any resulting loss or liability. 

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  induding  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 
dedare  the  entire  balance  of  every  Feature  Category  of  Your  Account 
immediately due and payable, without prior notice or demand. 

COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
payment  on  this  Account, to the  extent  permitted  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"  withou1  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  Ad.  To  the  extent  permitted  by  law,  the  right  to  change  the 
terms  of this  Agreement  indudes,  but  is  not  limited  to,  the  right  to  change  the 
periodic rate applicable to Your unpaid balance andlorMure advances. 

DEBT  CANCELLATION  COVERAGE.  Debt  cancellation  coverage  is  not 
required  for  any  extension  of  credit  under  this  Agreement  However,  You  may 
purchase any coverage  available through  Us  and  have the costs added  to  Your 
outstanding  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 Ad", and/or "Credit Line Account Advance 
Request  and  Security  Agreement"  which 
this 
Agreement or at a later date becomes an  integrated part of this Agreement and 
Disclosure. 

together  with 

is  ·delivered 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement By signing the application; or by using Your Account or 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 olher 
financial  information  related  to You, at Our request You also agree that We  may, 
from  time  to  time,  as  We  deem  necessary,  make  inquiries  pertaining  to  Your 
employment,  credit  standing  and  financial  responsibility  in  accordance  with 
applicable laws  and  regulations. You  further agree  that We  may give  information 
about the status and payment history of Your Account to consumer credit reporting 
agencies, a prospective employer or insurer, or a state or federal licensing agency 
haVIng any apparent legitimate business need for such information. 

TERMINATION.  Either You  or We  may  cancel  Your  Account  or  any  particular 
Feature Category of Your Account, at any time, whether or not You are in default 
You will, in any case, remain  liable to  pay any unpaid balances according to the 
terms of Your Account. 

GOVERNING  LAW.  This  Agreement is  controlled  and  governed  by the  laws of 
the State of Washington except to the  extent that such laws are  inconsistent with 
controlling federal law. 

SPECIFIC TERMS APPLICABLE TO YOUR 
STUDENT VISA,  SHARE SECURED  VISA  GOLD,  VISA GOLD AND 
PLATINUM PLUS  VISA CREDIT CARDS 

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. You agree not to use Your Gard for illegal transactions induding, 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. 

OWNERSHIP.  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 its 
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 
Automated  Teller  Machines  (ATMs).  This  PIN  is  confidential  and  should  not  be 
disclosed to anyone. You may use Your PIN  to access Yrxx Account and all sums 
advanced will  be added  to Your Account balance.  In the event a  use of Yrxx PIN 
constitutes  an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Yrxx 
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  Card  contain  terms, 
this  Agreement  is  the  contract  which  solely  applies to aU 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  the  telephone  number 
shown  in  this  Agreement  or  by  writing  to  Us  at  the  address  shown  in  this 
Agreement. In any case, Yrxx liability will not exceed $50. 

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  1n  effect  for  the  applicable  central  processing 
date. For transactions that are initiated in a foreign  currency, You will  be charged 
1.00%  of  the  final  settlement  amount.  For  transactions  occurring  in  foreign 
countries  and  initiated  in  U.S.  Dollars,  You  will  be  charged  0.80%  of the  final 
settlement amount 

TRANSACTION  SUPS.  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. 

LATE  CHARGE.  If Your payment is  15  or more  days late, You will  be  charged 
the lesser of: (a) the amount of the minimum payment due; or (b) $25.00. 

OTHER  FEES  AND  CHARGES.  You  wi l  be  charged  the  following  fees 
associated  with  the  use  of Your Card:  (a) th.e  lesser of  $25.00  or the  required 
minimum  payment  amount  for  the  returned  payment  for  any  check  (or  other 
negotiable  instrument used  for payment) which  is returned  unpaid; (b)  $5.00 for 
each replacement Card You  request; and (c) $5.00 for each additional Card You 
request for an  authorized user of Your Account. 

LOST  CARDS  OR  CONVENIENCE  CHECKS.  To  report  lost  or  stolen 
Credit  Cards  or  Convenience  Checks,  You  wi I  immediately  call  Us  at  the 
telephone  number shown in this Agreement or write to Us at the address shown 
in this Agreement 

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 Mure 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 six months. 

Your Billing Rights·  Kup this Document for Future Use 

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

What To Do If You  Find A  Mistake  On Your Statll!'lent 

If You think there is an error on Your statement, write to Us at P.O. Box 815909, 
Dallas TX 75381-5909. In Your letter, give us the following information: 

Acco11"' inftvmatinn· Your name and Account number. 
Qollar a!DQ!mt The dollar amount of the suspected error. 
Description  of problem·  If You  think  there  is an  error on  Your bill, describe 
what You believe is wrong and why You believe it is a mistake. 

You must contact Us: 

Within 60 days after the error appeared on Your statement 
At  least  3  business  days  before  an  automated  payment  is  scheduled,  if 
You want to stop payment on the amount You think is wrong. 

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OTBS 0 1 6  GESA (3/1 21 

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  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 H You  Are Dissatisfied With Your C[Ad!t Card Purchases 

If You  are  dissatisfied with  the  goods or services  that You h ave  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. 

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

• 

• 

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 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 

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. 

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