HAPO COMMUNITY CREDIT UNION 
                             VISA CREDIT CARD ACCOUNT AGREEMENT 
   1. INTRODUCTION. This Agreement covers this VISA Credit Card account, issued by HAPO Community Credit Union (�Lender�). In this Agreement the
      words �you,� �your,� �yours,� �applicant,� and �borrowers� mean any person who signs the application for this Account, any joint obligor, guarantor,
      authorized user, or the person whose name is embossed on the Card. The word �Card� means any one or more credit cards issued under the Credit Union�s
      VISA programs. If you sign an application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they
      will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by the following terms
      and conditions which will govern this Account.
   2. YOU PROMISE TO PAY. You promise to pay us all such amounts, plus any FINANCE CHARGES, which arise from use of the Card or Account by
      you or any other person, and to be jointly and severally liable with such a person, unless such other person does not have actual, implied, or apparent
      authority for such use, and you received no benefit from the use.
   3. CREDIT LINE. This Agreement will constitute a revolving line of credit for an amount which will be the credit line under your Account.  You may access
      your credit line through Card purchase and/or cash transactions at participating merchants. We will advise you of the amount of your credit line. That
      amount will be the maximum amount you may have outstanding at any one time. You agree not to attempt to obtain more credit than the amount of your
      credit line. However, if you temporarily exceed your credit line, you agree to repay the excess immediately, even if we have not yet billed you. Obtaining
      such credit does not increase your credit line. We retain the right to increase or decrease your credit line at any time for any reason. Any increase or reduction 
      on the limit of your credit line will be shown on your monthly statement or by separate notice. Your eligibility for this credit line is determined by our loan 
      policy and may be terminated at our sole discretion, without demand or notice. You may close your credit line at any time by sending us a signed, written
      request. If you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this Agreement and your liability hereunder
      shall otherwise remain in full force and effect until you have paid us all sums due us under this Agreement.
   4. ACCOUNT ACCESS. Purchase Transactions and Cash Transactions. You must sign the Card to use it. Once you have signed the Card, you can use
      it to purchase goods or services, wherever the Card is honored, up to the full amount of your credit line. You may use your Account to get cash advances
      from us, other participating financial institutions, or automated teller machines (ATM). No purchase or cash transaction may exceed the available funds in
      your Account. The Credit Union reserves the right to refuse any transaction that would exceed your credit limit, and/or daily purchase or cash limit.
      Purchases are limited to 10 transactions a day. Cash transactions are limited to 3 transactions per day and cannot exceed $2,500 a day for Share Secured,
      or $5,000 a day for Platinum accounts. ATM transactions cannot exceed $505 per single transaction.
   5. MINIMUM MONTHLY PAYMENT. You agree that you will pay each month not less than the minimum monthly payment on or before the scheduled
      monthly due date. You may pay in full for all your purchase and cash transactions each month, or you may repay in monthly installments. The minimum
      payment is calculated at 2% of your outstanding balance or $25.00, whichever is greater, plus any amounts past due and/or overlimit. If your outstanding
      balance is less than $25, you agree to pay the balance in full. We can accept late payments or partial payments, or checks, drafts, and money orders marked
      �payment in full,� without prejudice to our rights under this Agreement, which are hereby explicitly reserved. Your minimum payment due will be applied
      first to any outstanding FINANCE CHARGES and fees, then to lower rate balances, with any excess being applied to the balance with the highest APR.
   6. MONTHLY STATEMENTS. Each month we will provide you a statement showing purchase transactions, cash transactions, payments, and credits made 
      to your Account during the billing cycle, as well as your New Balance, any FINANCE CHARGE and any late charge or other charges. Your statement
      also will identify the minimum monthly payment you must make for that billing period and the date it is due. You agree to retain for statement verification,
      copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account. Unless you notify us of a billing error as
      described below, you accept your monthly statement as an accurate statement of your Account with us.
   7. Sec. __Military Lending Disclosures. The following disclosures are provided and apply to the borrower who is a Covered Member as
      described below.
   a. Borrower Certification of Active Duty.  By requesting a Credit Card each borrower certifies to the Credit Union that borrower:  (i) is a
      Covered member as a member of the Armed Forces who is currently serving on active duty (under a call or order not less than 30 days)
      Active Guard or Reserve duty; and (ii) borrower is the Covered Member or is a dependent of the Covered Member.  Borrower(s) authorize
      the Credit Union to verify their status as a Covered Member or dependent by obtaining information from the database of the Department
      of Defense or from a consumer report obtained from a consumer reporting agency.
   b. Military Annual Percentage Rate. Federal law provides important protections to members of the Armed Forces and their dependents
      relating to extensions of consumer credit.  In general, the cost of consumer credit to a member of the Armed Forces and his or her
      dependent may not exceed an annual percentage rate of 36%.  This rate must include, as applicable to the credit transaction or account:
      the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any
      application fee charged (other than certain application fees for a credit card account); and any participation fee charged (other than certain
      participation fees for a credit card account).
   c. Payment Obligation. Your payment obligation under your Credit Card Account is set forth in Sec. 2 and 5 above in the Credit Card
      Agreement.
   d. Security Interest.  The Credit Union�s security interest in all your Credit Union shares or deposits pursuant to the Credit Card Agreement
      will not apply your Credit Card Account.  A security interest in shares or deposits granted in connection with any other credit card account,
      loan or line of credit does not secure the Credit Card Account identified above, in spite of any provision that collateral securing one loan
      secures all of your other Credit Union obligations.  However, if you establish a deposit or share account specifically in connection with your
      Credit Card Account, funds deposited in that account after you establish the Credit Card Account are subject to our security interest as set
      forth above in the Credit Card Agreement.
   e. Credit Union Toll-Free Telephone Number -509-943-5676.  Call this number for verbal information about the Military Annual
      Percentage Rate and your payment obligation.
   8. PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. The FINANCE CHARGE imposed during the billing cycle will be
      determined by multiplying the Average Daily Balance by the Monthly Periodic Rate. The ANNUAL PERCENTAGE RATE (APR) is divided by 12 to
      produce the monthly rate. Your APR may vary with changes to an index which is the Prime Rate as published in The Wall Street Journal five business days 
      before the closing date shown on your billing statement. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate
      and inform you on your billing statement or through a separate notice. The rate table shows which rates, if any, are variable rates. The rate table lists the
      margin for each variable rate and any minimum periodic rate and corresponding APR.
      When you have an APR that varies with changes to the Prime Rate, we calculate your APR by adding a percentage (a �margin�) to the Prime Rate. The 
      margin will be updated semi-annually based on your FICO credit score. FICO scores will be obtained in January (for April interest rate updates), and July 
      (for October rate updates) by Trans Union 2 Baldwin Place P.O. Box 1000 Chester, PA 19016. If we are unable to obtain a credit score for your account, 
      the rate will reflect that of a zero score. If this calculation results in a change to your APR because the Prime Rate or your credit score has changed, the 
      new rate will apply as of the first day of your billing cycle in which the update occurs. All accounts have a ceiling limit of 18.00% APR, and will not exceed 
      that amount at any given time. 
                      Credit 
                                                      Daily Periodic  Notice 
           Account Type  Score    Annual Percentage Rate 
                                                         Rate    Required 
                      Range 
                      750-999  10.50    (Prime* + 5.00%)  0.0288% 
                      700-749  13.25      (Prime* + 7.75%)  0.0363% 
            Low Rate 
                      650-699  16.75 (Prime* + 11.25%)  0.0459%    ?  
             Platinum 
                      600-649  18.00  (Prime* + 13.75%)  0.0493%   ?  
                      000-599  18.00      (Prime* + 14.75%)  0.0493%  ?  
                      750-999  13.50      (Prime* + 8.00%)  0.0370% 
                      700-749  16.25  (Prime* + 10.75%)  0.0445% 
             Platinum 
                      650-699  18.00    (Prime* + 14.25%)  0.0493%  ?  
            Cash Back 
                      600-649  18.00  (Prime* + 16.75%)  0.0493%   ?  
                      000-599  18.00   (Prime* + 16.75%)  0.0493%  ?  
                      750-999  12.75    (Prime* + 7.25%)  0.0349% 
                      700-749  15.50       (Prime* + 10.00%)  0.0425% 
            Signature 
                      650-699  18.00       (Prime* + 13.50%)  0.0493%  ?  
              VISA 
                      600-649  18.00    (Prime* + 14.75%)  0.0493%  ?  
                      000-599  18.00     (Prime* + 14.75%)  0.0493%  ?  
           Share Secured  N/A  18.00    18.00%         0.0493%     ?  
            Youth VISA  N/A    12.90    12.90%         0.0353% 
            *Estimated variable APRs above are based on the 5.50% WSJ Prime Rate as of August 3, 2022
                                  **Maximum rate 18.00% 
   In the event you are in default of this Agreement, your ANNUAL PERCENTAGE RATE will be 18.00% (0.0493% Periodic Rate). The ANNUAL 
   PERCENTAGE RATE will be increased on the first day of the second month following notice of default.  
   9. FINANCE CHARGE CALCULATION: AVERAGE DAILY BALANCE METHOD. We calculate the Periodic FINANCE CHARGE on your
      Account by applying the Periodic Rate to the �Average Daily Balance� of purchase and cash activity for your Account. To get the �Average Daily Balance� 
      we take the beginning purchase and cash balance of your Account each day, add any new purchase and cash transactions, and subtract any payments or
      credits, unpaid FINANCE CHARGES and unpaid late charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle
      and divide by the number of days in the billing cycle. This gives us the Average Daily balance for both purchase and cash transactions.
   10. CIRCUMSTANCES UNDER WHICH A FINANCE CHARGE WILL BE IMPOSED.
      a. Cash Transactions. A FINANCE CHARGE will be imposed on cash transactions from the date each cash transaction is made to the date paid. There 
        is no time period within which to pay to avoid a periodic FINANCE CHARGE on cash advances, and balance transfers.
      b. Purchases.  You have a 25-day grace period in which to repay your balance for purchase transactions before a FINANCE CHARGE will be imposed.
        A FINANCE CHARGE will be imposed on any balance remaining from purchase transactions not paid within the �grace period�.
      The total outstanding balance of purchases and cash transactions in the Account on the closing date of a billing cycle, including any FINANCE CHARGE 
      will be shown on the Periodic Statement for that billing cycle as the �New Balance.� 
   11. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED. We may impose the following fees and charges on your Account:
      a. Late Charges. $25.00 fee may be assessed for payments made later than the due date.
      b. Returned Payment Charge. If any payment we receive from you is returned to us unpaid, we may impose a returned item fee of $20.00.
      c. Miscellaneous Photocopying. If you request a copy of a sales draft or monthly statement, we may charge your Account $2.00 per copy and $20.00
        per hour. These charges cover the costs of locating, copying, and delivering the documents to you. If a request is related to a billing error and an error
        is found, we will reverse any photocopying charges.
      d. ATM Fees. If you use an ATM to obtain a cash advance and the ATM is not operated by us, you may be charged an ATM surcharge by the ATM
        operator or an ATM network utilized for such a transaction. The ATM surcharge may be charged to your Account if you complete the transaction.
      e. Attorney�s Fees and Costs. If you default on any part of this Agreement, you agree to pay us all costs to collect your Account, including: court costs,
        reasonable attorney fees, collection agency costs whether or not there is a lawsuit, incurred both before and after judgment; such collection agency
        cost may be based on a percentage, not to exceed 30%, of the principal owed at the time of default; fees for bankruptcy proceedings, appeals, and any
        post judgment collection services. The Credit Union may commence an action to enforce this Agreement in the county in which the Credit Union is
        located, or where you reside, if you live outside the state of Washington.
      f. Replacement Charges. If a card is lost or damaged there will be a $5.00 replacement fee and $25.00 fee to rush standard processing of a card. A
        replacement or rush fee will not be charged in the event the credit union is at fault.
   12. CONDITIONS OF CARD USE. The use of your Card and Account are subject to the following conditions:
      a. Ownership of Cards. Any Card or other credit instrument or device which we supply to you is our property and must be returned to us, or to any
        person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The Card 
        may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your Card or Account to another person. You
        may not use the Card for any illegal or unlawful transactions and we may decline to authorize any transaction that we believe poses an undue risk of
        illegality or unlawfulness.
      b. Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any
        other credit instrument or device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your
        Account in lieu of a cash refund.
      c. Currency Conversion. Purchase and cash advance transactions made in or with merchants located in foreign countries will be billed to you in U.S.
        dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is 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 the government-mandated rate in effect for the applicable central processing date, in each instance, plus a Foreign Transaction Fee of 1%
        of the amount for any card transaction made in or with merchants located in a foreign country.
      d. Notices and Payments. All notices will be sent to your address as shown in on your HAPO share account. You agree to advise us promptly if you
        change your mailing address. We may, at our option, accept mailing address changes from the United States Postal Service, and update your VISA
        account as well as your HAPO account based on these changes. All payments should be mailed to us at the remittance address shown on your monthly 
        statements. Payments received at that address will be credited to your Account as of the date received.
      e. Personal Identification Number. We will issue you a Personal Identification Number (�PIN�) for use with your Card at Automatic Teller Machines
        (�ATMs�). These numbers are issued to you for your security purposes. These numbers are confidential and should not be disclosed to third parties.
        You are responsible for safekeeping your PIN. You agree not to disclose or otherwise make available your PIN to anyone not authorized to sign on
        your Accounts. To keep your Account secure, please do not write your PIN on your Card or keep it in the same place as your Card.
   13. DEFAULT. You will be in default under this Agreement if any of the following occur: (a) your account becomes more than two months past due; (b) you
      become insolvent, bankrupt, or you die; (c) you violate any part of this Agreement, or any other agreement with us; or (d) if we reasonably deem ourselves
      insecure on your credit line. Upon default, we may declare the entire unpaid balance immediately due and payable, and you agree to pay that amount plus
      any attorney�s fees and costs including collection agency costs incurred by us. We can delay enforcing any right under this Agreement without losing that
      right or any other right.
   14. CREDIT INFORMATION/FINANCIAL STATEMENTS. You authorize us to release information to others (e.g., credit bureaus, merchants, and other
      financial institutions) regarding the status and history of your credit line. You agree to provide us, at any time we deem necessary, with a current financial
      statement and updated credit information upon request. We may investigate your credit as needed through a credit reporting agency.
   15. LOSS OR THEFT OF VISA CREDIT CARD. You agree to notify us immediately of the loss, theft, or use without your permission, of any Card or other 
      credit instrument or device which we supply to you. Call us at 800-449-7728, or write to: VISA Department, PO Box 31216, Tampa, FL 33631-3281.
   16. Rewards Programs Cash Back Rewards (�Rewards�) accrue at a rate of 2.00% on net retail purchase transactions (qualifying purchases less credits,
      returns, and adjustments) charged to the card. Balance Transfers, cash advances, other cash transactions, fees, interest, and unauthorized/fraudulent
      transactions, and manufactured spending (i.e. gift cards) do not earn Rewards. Rewards accruals are calculated at the end of each billing cycle, and will
      appear on your account�s monthly statement. Payouts are based on the billing cycle. Reward accruals are unlimited, must earn a minimum of $15.00 to
      qualify for payout. Rewards are paid annually in November, or as requested on demand for prior billing cycles. Payouts are paused during the month of
      October to prepare for the annual payouts. If your account is in arrears, closed, or used fraudulently to earn Rewards, all Rewards will be forfeited. Rewards 
      cannot be transferred or combined. Fraudulent use of the card or manufactured spending to earn/redeem points will result in an automatic card closure
      without payout. HAPO shall determine which purchases qualify, program subject to change at any time.
      Double Reward Points-New Signature Travel Visa 2.5 points per dollar applies to the first $12,000 in purchase transactions within 365 days of account
      opening. Points accrue at the standard rate of 1.25 per dollar 365 days after the account open date, OR after spending $12,000 in purchase transactions;
      whichever is sooner. Points do not accrue on cash advance transactions or balance transfers. Points expire 5 years from the date of accrual. Points to
      Cash Signature Travel Rewards cards are eligible to redeem points for Cash. Cash is redeemable in increments of $25.00. Just log in to HAPO Rewards.
      Point per cash value is $0.01. Points are eligible for cash redemption a maximum of 4 times a year, not to exceed one redemption a month. Points must be
                                        th
      redeemed prior to expiration; all points expire in December of the 5  year.
   17. AMENDMENTS. We have the right to change any terms and conditions of this Agreement, subject to applicable laws, at any time.
   18. GOVERNING LAW. This Agreement and your account will be governed by federal law, as well as the law of Washington State, and will apply no matter
      where you live or use this account.
   19. YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE. This notice tells you about your rights and our responsibilities under the
      Fair Credit Billing Act.
      What to do if you find a mistake on your statement. If you think there is an error on your statement, write us at: VISA Department, PO Box 31216,
      Tampa, FL 33631-3281. In your letter, give us the following 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.
        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 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 FINANCE CHARGE 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 FINANCE CHARGES 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.
      3. You must not yet have fully paid for the purchase.
      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. 
   January 2021