CREDIT CARD ACCOUNT AGREEMENT 
                                AND FEDERAL DISCLOSURE STATEMENT 
                         
    P.O. Box 990 Bremerton, Washington 98337 
                           THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN- 
       (360) 662-2000 (800) 422-5852 
         FAX (360) 782-8295  LENDING DISCLOSURE STATEMENTS, VISA, VISA CLASSIC, VISA GOLD AND VISA PLATINUM AGREEMENTS, 
                           AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA, VISA CLASSIC, VISA GOLD AND VISA 
                           PLATINUM CREDIT CARDS, AND/OR ANY 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:  17.90  %         VISA Classic:  13.00  % 
    For Purchases 
                            VISA Platinum:  11.40  % 
                             This APR will vary with the market based on the Prime Rate. 
                           
                           VISA Gold:  7.90    % 
                             This APR will vary with the market based on the Prime Rate. 
    APR For Balance Transfers  VISA: 17.90  %      VISA Classic: 13.00  % 
                           
                           VISA Platinum:  11.40  % 
                             This APR will vary with the market based on the Prime Rate. 
                           
                           VISA Gold: 7.90  % 
                             This APR will vary with the market based on the Prime Rate. 
    APR For Cash Advances  VISA:  17.90  %         VISA Classic:  13.00  % 
                           
                           VISA Platinum: 11.40  % 
                             This APR will vary with the market based on the Prime Rate. 
                           
                           VISA Gold:  7.90  %  
                             This APR will vary with the market based on the Prime Rate. 
    Paying Interest        Your due date is at least 25 days after the close of each billing cycle. We will not charge 
                           You interest on purchases if You pay Your entire balance owed 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  
    Consumer Financial Protection  Card,  visit  the  website  of the  Consumer  Financial Protection  Bureau  at 
    Bureau                 http://www.consumerfinance.gov/learnmore. 
    Fees 
                           
    Transaction Fees 
                           
     �   Foreign Transaction  2.00% of each foreign currency transaction in U.S. Dollars. 
                           1.80% of each U.S. Dollar transaction that occurs in a foreign country. 
                           
    Penalty Fees 
                           
     �   Late Payment      Up to $25.00 
     �   Returned Payment  Up to $28.00 
   How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).� See Your 
   Account Agreement for details. 
   
   Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account 
   Agreement. 
   Copyright Oak Tree Business Systems, Inc., 2015-2016. All Rights Reserved.  Page 1 of 4  OTBS 016CC KITS (9/16) 
   
   DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean KITSAP 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 VISA, VISA Classic, VISA Gold or 
   VISA Platinum Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the VISA, VISA Classic, VISA Gold or VISA Platinum Credit  
   Card Account established for You under this Agreement. "Convenience Check" means the special Account access devices that We may provide for Your use from time to 
   time. If this is a joint Account, read singular pronouns in the plural. 
   
   PROMISE TO PAY. You understand that the following terms and conditions constitute Our Agreement with You. You may request advances on Your Account through a 
   variety of means which could include (but  may not be limited to) telephonic requests, Convenience Checks, Credit Cards and the  like. Regardless of the means by which 
   any advance is made, 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. 
   
                                                       Monthly 
                              Variable Rate                             ANNUAL 
    Credit Card Type                                 Periodic Rate   PERCENTAGE RATE 
                           Index      Margin 
                                                     for Purchases     for Purchases 
                                   
    VISA                                             1.4916  %        17.90  % 
                                   
    VISA Classic                                     1.0833  %        13.00  % 
                                   
    VISA Gold            5.00         2.90           .6583  %         7.90   % 
    VISA Platinum        5.00         6.40           .9500  %         11.40  % 
                              Variable Rate            Monthly          ANNUAL 
    Credit Card Type                                 Periodic Rate   PERCENTAGE RATE 
                           Index      Margin 
                                                   for Balance Transfers  for Balance Transfers 
                                   
    VISA                                             1.4916  %        17.90  %  
                                   
    VISA Classic                                     1.0833  %        13.00  % 
                                   
    VISA Gold            5.00         2.90           .6583  %         7.90   % 
    VISA Platinum        5.00         6.40           .9500  %         11.40  %  
                              Variable Rate            Monthly          ANNUAL 
    Credit Card Type                                 Periodic Rate   PERCENTAGE RATE 
                           Index      Margin 
                                                    for Cash Advances  for Cash Advances 
                                   
    VISA                                             1.4916  %        17.90  % 
                                   
    VISA Classic                                     1.0833  %        13.00  % 
                                   
    VISA Gold            5.00         2.90           .6583  %         7.90   % 
    VISA Platinum        5.00         6.40           .9500  %         11.40  %  
   
   USE OF YOUR CARD. You may use Your Card to buy goods and services in any  charged periodic Finance Charges to the date You repay Your entire balance. You 
   place that it is honored and to get cash advances at participating financial  may make larger payments without penalty. Any partial payment or prepayment will 
   institutions. You agree not to use Your Card for illegal transactions including, but   not delay Your next scheduled payment. All payments to Us must be in lawful 
   not limited to, advances made for the purpose of gambling and/or wagering where  money of the United States. We may apply each payment to whichever Card We 
   such practices are in violation of applicable state and/or federal law.  wish. Except as required by law, We may apply payments at Our discretion. Any 
                                            unpaid portion of the Finance Charge will be paid by subsequent payments and will 
   SECURITY. Collateral (other than household goods or any dwelling) given as  not be added to Your principal balance. You understand that any delay in the 
   security under any other loan You may have with Us will secure all amounts You  repayment of Your unpaid balance will increase Your periodic Finance Charges and 
   owe Us now and in the future if that status is reflected in the "Truth-in-Lending  any acceleration in the repayment of Your unpaid balance will decrease Your 
   Disclosure" in any particular Agreement evidencing such debt.  periodic Finance Charges. 
   
                                            
    CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your  VISA and VISA Classic Minimum Payments will be an amount equal to 3.00% of Your 
    shares with Us (except for IRA and Keogh accounts) and any dividends due  new unpaid balance at the end of each billing cycle, subject to the lesser of $25.00 or 
    or to become due to You from Us to the extent You owe on any unpaid  Your balance, plus any portion of the Minimum Payments shown on prior statement(s) 
    Credit Card balance.                    which remains unpaid, plus any amount that exceeds Your approved Credit Limit. 
                                            
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit  Limit  for  VISA Gold and VISA Platinum Minimum Payments will be an amount equal to  
   which You are approved. Unless You are in default, the Credit  Limits  established  2.00% of Your new unpaid balance at the end of each billing cycle, subject to the 
   for You will generally be self-replenishing as You make payments. You will keep  lesser of $25.00 or Your balance, plus any portion of the  Minimum  Payments 
   Your unpaid balance within Your Credit Limit set by Us, and You will pay any  shown on prior statement(s) which remains unpaid, plus any amount that exceeds 
   amount over Your Credit Limit on Our demand whether or not We authorize the  Your approved Credit Limit. 
   advances which caused You to exceed Your Credit Limit. Even if Your unpaid   
   balance is less than Your Credit Limit, You will have no credit available during any  You may, by separate agreement, authorize Us to charge Your payment directly to 
   time that any aspect of Your Account is in default.  Your share or share draft account. 
                                            
   JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally,  for   FINANCE CHARGES. In the case of any transactions under Your Account, the 
   the repayment of any amounts owed. If any Account access device, such as a  balances subject to the periodic Finance Charge are the average daily transactions 
   Personal Identification Number (PIN) is requested and approved, You understand  balances outstanding during the month (including new transactions). To get the 
   that any such Account access device(s) will be mailed only to the primary Borrower  average daily balance, We take the beginning balance of Your Account each day, 
   at the address that We have on file for You. We may refuse to follow any instructions  add any new purchases, balance transfers, cash advances, debit adjustments or 
   which run counter to this provision.     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 
   MINIMUM  MONTHLY  PAYMENTS  (PAYMENT  SCHEDULE).  Though  You need  billing cycle and divide them by the number of days in the billing cycle. The Finance 
   only pay the Minimum Monthly Payments, You understand that You have the right   Charge for a billing cycle is computed by multiplying the average daily balance 
   to repay at any time without penalty. You also understand that You will only be  subject to a Finance Charge by the applicable Monthly Periodic Rate. 
   Copyright Oak Tree Business Systems, Inc., 2015-2016. All Rights Reserved.  Page 2 of 4  OTBS 016CC KITS (9/16) 
   
   You can avoid Finance Charges on purchases by paying the full amount of the  proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in 
   entire balance owed each month within 25 days of Your statement closing date.  good faith, believe Your ability to repay Your indebtedness hereunder is or soon will 
   Otherwise, the new balance of purchases, and subsequent purchases  from  the  be impaired, time being of the very essence. 
   date they are posted to Your Account, will be subject to a Finance Charge. Balance   
   transfers and cash advances are always subject to a Finance Charge from the later  Upon any occurrence of default, We may, to the extent permitted by law, cancel 
   of the date they are posted to Your Account or from the first day of the billing cycle   Your rights under this Agreement, require the return of all access devices and 
   in which the transaction is posted to Your Account.  declare the entire balance of every Feature Category of Your Account immediately 
                                            due and payable, without prior notice or demand. 
   VISA GOLD VARIABLE RATE. All VISA Gold transactions are subject to a    
   Variable Rate which is based on the highest Prime Rate as published in the Money  COLLECTION COSTS. In the event collection efforts are required to obtain  
   Rates section of the Wall Street Journal in effect on the Friday preceding the 27th  payment on this Account, to the extent permitted by law, You agree to pay all court 
   day of March, June, September, and December of each year (�Index�) plus Our  costs, private process server fees, investigation fees or other costs incurred in 
   Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index  collection and reasonable attorneys� fees incurred in the course of collecting any 
   will cause changes in the Interest Rate on the 1st business day of the calendar  amounts owed under this Agreement or in the recovery of any Collateral. 
   quarter that immediately follows a change in the Index. Increases or decreases in   
   the Interest Rate will cause like increases or decreases in the Finance Charge and  ENFORCEMENT. We do not lose Our rights under this or any related agreement if  
   will affect the number of Your scheduled payments. The Interest Rate will never be  We delay enforcing them. We can accept late payments, partial payments  or any  
   greater than 18.00% and will apply to Your remaining principal balance.  other payments, even if they are marked "paid in full" without losing any of Our rights 
                                            under this Agreement. If any provision of this or any related agreement is determined 
   VISA PLATINUM VARIABLE RATE. All VISA Platinum transactions are subject to a  to be unenforceable or invalid, all other provisions remain in full force and effect. 
   Variable Rate which is based on the highest Prime Rate as published in the Money   
   Rates section of the Wall Street Journal in effect on the Friday preceding the 27th day  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
   of March, June, September, and December of each year (�Index�) plus  Our Margin.  or otherwise have a change of address. 
   The Index plus the Margin equals the Interest Rate. Changes in the Index will cause   
   changes in the Interest Rate on the 1st business day of the calendar quarter that  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   immediately follows a change in the Index. Increases or decreases in the Interest Rate  delivering to You written notice of the changes as prescribed by the Federal Truth- 
   will cause like increases or decreases in the Finance Charge and will affect  the  In-Lending Act. To the extent permitted by law, the right to change the terms of this 
   number of Your scheduled payments. The Interest Rate will never be greater than  Agreement includes, but is not limited to, the right to change the periodic rate 
   18.00% and will apply to Your remaining principal balance.  applicable to Your unpaid balance and/or future advances. 
                                            
   LATE CHARGE. If Your payment is more than 15 days late, You will be charged   CREDIT INSURANCE. Credit insurance is not required for any extension of credit 
   the lesser of: (a) $25.00; or (b) the amount of the minimum payment due.  under this Agreement. However, You may purchase any credit insurance available 
                                            through Us and have the premiums added to Your outstanding balance. If You elect to 
   FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and  do so, You will be given the necessary disclosures and documents separately. 
   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  INTEGRATED DOCUMENTS. Any separate sheet of  paper labeled "Additional 
   rates available in wholesale currency markets for the applicable central processing  Disclosure-Federal Truth-In-Lending Act," which is delivered together with this Agreement 
   date, which rate may vary from the rate VISA itself receives; or (b) the government-  or at a later date becomes an integrated part of this Agreement and Disclosure. 
   mandated rate in effect for the applicable central processing date. For transactions   
   that are initiated in a foreign currency, You will be charged 2.00% of the final  CONSENT TO  AGREEMENT.  You acknowledge receipt of a copy of this 
   settlement amount. For transactions occurring in foreign countries and initiated in  Agreement. By signing the application; or by using Your Account or any Account 
   U.S. Dollars, You will be charged 1.80% of the final settlement amount.  access device; or by authorizing another to use Your Account, You agree to and 
                                            accept its terms. 
   OTHER FEES AND CHARGES. You will be charged the following fees associated   
   with the use of Your Card: (a) the lesser of $28.00 or the required  minimum  UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
   payment amount for the returned payment for any check (or other negotiable  to update information contained in Your original Account application or other 
   instrument used for payment) which is returned unpaid; and (b) $5.00 for each  financial information related to You, at Our request. You also agree that We may, 
   replacement Card You request.            from time to time, as We deem necessary, make inquiries pertaining to Your 
                                            employment,  credit  standing  and  financial  responsibility  in  accordance  with 
   OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or   applicable laws and regulations. You further agree that We may give information 
   in such increments as We may from time to time determine) to Your share draft  about the status and payment history of Your Account to consumer credit reporting 
   account by an advance on Your Account, subject to this provision, to clear any  agencies, a prospective employer or insurer, or a state or federal licensing agency 
   overdraft on Your share draft account. Whether or not such transfers occur will be  having any apparent legitimate business need for such information. 
   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  TERMINATION. Either You or We may cancel Your Account at any time, whether  
   protection automatically ceases if this Agreement is ever cancelled or terminated or  or not You are in default. You will, in any case, remain liable to pay any unpaid 
   Your Account is in default.              balances according to the terms of Your Account. 
                                            
   PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing  OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
   all transactions on Your Account including amounts paid and borrowed since Your last  time without notice. You agree to surrender Your Card and to discontinue its use 
   statement. We will mail You a statement each month in which there is a debit or credit  immediately upon Our request. 
   balance or when a Finance Charge is imposed. We need not send You a statement if   
   We feel Your Account is uncollectible or if We have started collection proceedings  ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. A Personal 
   against You because You defaulted. EACH STATEMENT IS DEEMED TO BE A  Identification Number (PIN) for use with participating Automated Teller Machines 
   CORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A BILLING  (ATMs) will be issued. This PIN is confidential and should not be disclosed to 
   ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.  anyone. You may use Your PIN to access Your Account and all sums advanced will 
                                            be added to Your Account balance. In the event a use of Your PIN constitutes an 
   OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no  Electronic Fund Transfer, the terms and conditions of Your Electronic  Fund  
   obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check,  Transfer Agreement may also affect Your rights. 
   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  EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
   postdated Convenience Check is paid and, as a result, any other Convenience Check   slips You may sign or receive when using Your Card contain terms, this Agreement 
   is returned unpaid, We are not responsible for any resulting loss or liability.  is the contract which solely applies to all transactions involving the Card. 
                                            
   DEFAULT. You will be in default if: (a) You do not make any payment or perform  UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
   any obligation under this Agreement, or any other agreement that You may have  You will not be liable for the unauthorized use that occurs after You notify Us of the 
   with Us; or (b) You should die, become involved in any insolvency, receivership or  loss, theft, or possible unauthorized use by calling Us at (800) 422-5852 or by  
   custodial proceeding brought by or against You; or (c) You have made a false or  writing to Us at P.O. Box 990, Bremerton, Washington 98337. In any case, Your 
   misleading statement in Your credit application and/or in Your representations to    liability will not exceed $50.00. 
   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  REFUSAL TO HONOR CARDS  OR CONVENIENCE  CHECKS.  We are not liable for 
   Your property or rights, specifically including anyone starting an action or  the  refusal  or inability  of  merchants,  financial  institutions  and others  to accept   the 
   Copyright Oak Tree Business Systems, Inc., 2015-2016. All Rights Reserved.  Page 3 of 4  OTBS 016CC KITS (9/16) 
   
   Cards or Convenience Checks, or electronic terminals to honor the Cards or complete   2)  Within 90 days of receiving Your letter, We must either correct the error or 
   a Card withdrawal, or for their retention of the Cards or Convenience Checks.  explain to You why We believe the bill is correct. 
                                            
   TRANSACTION SLIPS.  Your monthly statement will identify that merchant,  While We investigate whether or not there has been an error: 
   electronic terminal or financial institution at which transactions were made,  but   
   sales, cash advances, credit or other slips cannot be returned with the statement.  �   We cannot try to collect the amount in question, or report You as delinquent  
                                               on that amount. 
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards  �   The charge in question may remain on Your statement, and We may continue 
   or Convenience Checks, You will immediately call Us at (800) 422-5852 or write to  to charge You interest on that amount. 
   Us P.O. Box 990, Bremerton, Washington 98337.  �   While You do not have to pay the amount in question, You are responsible for 
                                               the remainder of Your balance. 
   CREDITS. If a merchant who honors Your Card gives You credit for returns or  �   We can apply any unpaid amount against Your Credit Limit. 
   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  After We finish Our investigation, one of two things will happen: 
   apply this credit against future purchases and cash advances, or if it is $1.00 or   
   more refund it on Your written request or automatically deposit it to Your share  �   If We made a mistake: You will not have to pay the amount in question or any 
   account after 6 months.                     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 
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the  question, along with applicable interest and fees. We will send You a  
   State of Washington, except to the extent that such laws are inconsistent with  statement of the amount You owe and the date payment is due. We may then 
   controlling federal law.                    report You as delinquent if You do not pay the amount We think You owe. 
                                            
         Your Billing Rights: Keep this Document for Future Use  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 
   This notice tells You about Your rights and Our responsibilities under the Fair  report You as delinquent without also reporting that You are questioning Your bill. 
   Credit Billing Act.                      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 
         What To Do If You Find A Mistake On Your Statement  Us. If We do not follow all of the rules above, You do not have to pay the first 
                                            $50.00 of the amount You question even if Your bill is correct. 
   If You think there is an error on Your statement, write to Us at P.O. Box 990,   
   Bremerton, Washington 98337. In Your letter, give us the following information:  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
                                            
   �   Account information: Your name and Account number.  If You are dissatisfied with the goods or services that You have purchased with  
   �   Dollar amount: The dollar amount of the suspected error.  Your Credit Card, and You have tried in good faith to correct the problem with the 
   �   Description of problem: If You think there is an error on Your bill, describe   merchant, You may have the right not to pay the remaining amount due on the 
     what You believe is wrong and why You believe it is a mistake.  purchase. To use this right, all of the following must be true: 
                                            
   You must contact Us:                     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  
   �   Within 60 days after the error appeared on Your statement.  more than $50.00. (Note: Neither of these are necessary if  Your purchase  
   �   At least three business days before an automated payment is scheduled, if  was based on an advertisement We mailed to You, or if We own the company 
     You want to stop payment on the amount You think is wrong.  that sold You the goods or services.) 
                                            2)  You must have used Your Credit Card for the purchase. Purchases made with 
   You must notify Us of any potential errors in writing. You may call Us, but if You do  cash advances from an ATM or with a check that accesses Your Credit Card 
   We are not required to investigate  any potential errors and You may have to pay   account do not qualify. 
   the amount in question.                  3)  You must not yet have fully paid for the purchase. 
                                            
           What Will Happen After We Receive Your Letter  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. 
   When We receive Your letter, We must do two things:   
                                            While We investigate, the same rules apply to the disputed amount as discussed 
   1)  Within 30 days of receiving Your letter, We must tell You that We received  above. After We finish Our investigation, We will tell You Our decision. At that point, if 
     Your letter. We will also tell You if We have already corrected the error.  We think You owe an amount and You do not pay, We may report You as delinquent. 
   Copyright Oak Tree Business Systems, Inc., 2015-2016. All Rights Reserved.  Page 4 of 4  OTBS 016CC KITS (9/16)