CREDIT CARD ACCOUNT AGREEMENT 
                                AND FEDERAL DISCLOSURE STATEMENT 
                           THIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-
                           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: ________%  9.90
                           VISA Gold: __________%  6.40
                              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: ________%  9.90
                           VISA Gold: __________% 6.40
                                  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: ________%  9.90
                           VISA Gold: __________%  6.40
                                 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. All Rights Reserved.    Page 1 of  4              OTBS 016CC KITS (11/15)  
   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          ANNUAL 
                              Variable Rate 
    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            _________  3.50 _________  2.90 ____________%  .5333 ____________%  6.40
                                                                           
    VISA Platinum                                    ____________%  .8250 ____________%  9.90
                                                                           
                                                       Monthly          ANNUAL 
                              Variable Rate 
    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            _________  3.50 _________  2.90 ____________%  .5333 ____________%  6.40
                                                                           
    VISA Platinum                                    ____________%  .8250 ____________%  9.90
                                                                           
                                                       Monthly          ANNUAL 
                              Variable Rate 
    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            _________  3.50 _________  2.90 ____________%  .5333 ____________%  6.40
                                                                           
    VISA Platinum                                    ____________%  .8250 ____________%  9.90
                                                                           
    
   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  add any new purchases, balance transfers, cash advances, debit adjustments or 
   instructions 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. All Rights Reserved.                                                      Page 2 of  4                                                                                                                          OTBS 016CC KITS (11/15)  
       
   You can avoid Finance Charges on purchases by paying the full amount of the  costs, private process server fees, investigation fees or other costs incurred in 
   entire balance owed each month within 25 days of Your statement closing date.  collection and reasonable attorneys� fees incurred in the course of collecting any 
   Otherwise, the new balance of purchases, and subsequent purchases from the  amounts owed under this Agreement or in the recovery of any Collateral. 
   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  ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
   of the date they are posted to Your Account or from the first day of the billing cycle  We delay enforcing them. We can accept late payments, partial payments or any 
   in which the transaction is posted to Your Account.  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  GOLD  VARIABLE  RATE.  All  VISA  Gold  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  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
   day of March, June, September, and December of each year (�Index�) plus Our  or otherwise have a change of address. 
   Margin. 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  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   quarter that immediately follows a change in the Index. Increases or decreases in  delivering to You written notice of the changes as prescribed by the Federal Truth-
   the Interest Rate will cause like increases or decreases in the Finance Charge and  In-Lending Act. To the extent permitted by law, the right to change the terms of this 
   will affect the number of Your scheduled payments. The Interest Rate will never be  Agreement includes, but is not limited to, the right to change the periodic rate 
   greater than 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 
   date, which rate may vary from the rate VISA itself receives; or (b) the government- Agreement or at a later date becomes an integrated part of this Agreement  
   mandated rate in effect for the applicable central processing date. For transactions  and Disclosure. 
   that are initiated in a foreign currency, You will be charged 2.00% of the final   
   settlement amount. For transactions occurring in foreign countries and initiated in  CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
   U.S. Dollars, You will be charged 1.80% of the final settlement amount.  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 
   OTHER FEES AND CHARGES. You will be charged the following fees associated  accept its terms. 
   with the use of Your Card: (a) the lesser of $28.00 or the required minimum   
   payment  amount  for  the  returned  payment  for  any  check  (or  other negotiable  UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
   instrument used for payment) which is returned unpaid; and (b) $5.00 for each  to  update  information  contained  in  Your  original  Account  application  or  other 
   replacement Card You request.            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 
   OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or  employment,  credit  standing  and  financial  responsibility  in  accordance  with 
   in such increments as We may from time to time determine) to Your share draft  applicable laws and regulations. You further agree that We may give information 
   account by an advance on Your Account, subject to this provision, to clear any  about the status and payment history of Your Account to consumer credit reporting 
   overdraft on Your share draft account. Whether or not such transfers occur will be  agencies, a prospective employer or insurer, or a state or federal licensing agency 
   controlled by this Agreement. In any event, You hold Us harmless for any and all  having any apparent legitimate business need for such information.  
   liability  which  might  otherwise  arise  if  the  transfer  does  not  occur.  Overdraft   
   protection automatically ceases if this Agreement is ever cancelled or terminated or  TERMINATION. Either You or We may cancel Your Account at any time, whether 
   Your Account is in default.              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. 
   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  OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
   statement. We will mail You a statement each month in which there is a debit or credit  time without notice. You agree to surrender Your Card and to discontinue its use 
   balance or when a Finance Charge is imposed. We need not send You a statement if  immediately upon Our request. 
   We feel Your Account is uncollectible or if We have started collection proceedings   
   against You because You defaulted. EACH STATEMENT IS DEEMED TO BE A  ISSUANCE  OF  A  PERSONAL  IDENTIFICATION  NUMBER.  A  Personal 
   CORRECT  STATEMENT  OF  ACCOUNT  UNLESS  YOU  ESTABLISH  A  BILLING  Identification Number (PIN) for use with participating Automated Teller Machines 
   ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.  (ATMs) will be issued. This PIN is confidential and should not be disclosed to 
                                            anyone. You may use Your PIN to access Your Account and all sums advanced will 
   OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no  be added to Your Account balance. In the event a use of Your PIN constitutes an 
   obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check,  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your  Electronic  Fund 
   You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have  Transfer Agreement may also affect Your rights. 
   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  EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
   is returned unpaid, We are not responsible for any resulting loss or liability.  slips You may sign or receive when using Your Card contain terms, this Agreement 
                                            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   
   any obligation under this Agreement, or any other agreement that You may have  UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
   with Us; or (b) You should die, become involved in any insolvency, receivership or  You will not be liable for the unauthorized use that occurs after You notify Us of the 
   custodial proceeding brought by or against You; or (c) You have made a false or  loss, theft, or possible unauthorized use by calling Us at (800) 422-5852 or by 
   misleading statement in Your credit application and/or in Your representations to  writing to Us at P.O. Box 990, Bremerton, Washington 98337. In any case, Your 
   Us while You owe money on Your Account; or (d) A judgment or tax lien should be  liability will not exceed $50.00. 
   filed against You or any attachment or garnishment should be issued against any of   
   Your  property  or  rights,  specifically  including  anyone  starting  an  action  or  REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for 
   proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in  the refusal or inability of merchants, financial institutions and others to accept the 
   good faith, believe Your ability to repay Your indebtedness hereunder is or soon will  Cards or Convenience Checks, or electronic terminals to honor the Cards or complete 
   be impaired, time being of the very essence.  a Card withdrawal, or for their retention of the Cards or Convenience Checks. 
                                             
   Upon any occurrence of default, We may, to the extent permitted by law, cancel  TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant, 
   Your rights under this Agreement, require the return of all access devices and  electronic terminal or financial institution at which transactions were made, but 
   declare the entire balance of every Feature Category of Your Account immediately  sales, cash advances, credit or other slips cannot be returned with the statement. 
   due and payable, without prior notice or demand.   
                                            LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards  
   COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain  or Convenience Checks, You will immediately call Us at (800) 422-5852 or write to 
   payment on this Account, to the extent permitted by law, You agree to pay all court  Us P.O. Box 990, Bremerton, Washington 98337. 
   Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.                                                      Page 3 of  4                                                                                                                          OTBS 016CC KITS (11/15)  
       
   CREDITS. If a merchant who honors Your Card gives You credit for returns or  ?  The charge in question may remain on Your statement, and We may continue 
   adjustments, they will do so by sending Us a slip which will be posted to Your  to charge You interest on that amount. 
   Account. If Your credits and payments exceed what You owe Us, We will hold and  ?  While You do not have to pay the amount in question, You are responsible for 
   apply this credit against future purchases and cash advances, or if it is $1.00 or  the remainder of Your balance. 
   more refund it on Your written request or automatically deposit it to Your share  ?  We can apply any unpaid amount against Your Credit Limit. 
   account after 6 months.                   
                                            After We finish Our investigation, one of two things will happen: 
   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  ?  If We made a mistake: You will not have to pay the amount in question or any 
   controlling federal law.                    interest or other fees related to that amount. 
                                            ?  If We do not believe there was a mistake: You will have to pay the amount 
         Your Billing Rights: Keep this Document for Future Use  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  
   This notice tells You about Your rights and Our responsibilities under the Fair  may then report You as delinquent if You do not pay the amount We think 
   Credit Billing Act.                         You owe. 
                                             
         What To Do If You Find A Mistake On Your Statement  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 
   If You think there is an error on Your statement, write to Us at P.O. Box 990,  cannot report You as delinquent without also reporting that You are questioning 
   Bremerton, Washington 98337. In Your letter, give us the following information:  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 
   ?  Account information: Your name and Account number.  been settled between Us. If We do not follow all of the rules above, You do  
   ?  Dollar amount: The dollar amount of the suspected error.  not have to pay the first $50.00 of the amount You question even if Your bill 
   ?  Description of problem: If You think there is an error on Your bill, describe  is correct. 
     what You believe is wrong and why You believe it is a mistake.   
                                              Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
   You must contact Us:                      
                                            If You are dissatisfied with the goods or services that You have purchased with 
   ?  Within 60 days after the error appeared on Your statement.  Your Credit Card, and You have tried in good faith to correct the problem with the 
   ?  At least three business days before an automated payment is scheduled, if  merchant, You may have the right not to pay the remaining amount due on the 
     You want to stop payment on the amount You think is wrong.  purchase. To use this right, all of the following must be true: 
                                             
   You must notify Us of any potential errors in writing. You may call Us, but if You do  1)  The purchase must have been made in Your home state or within 100 miles 
   We are not required to investigate any potential errors and You may have to pay  of Your current mailing address, and the purchase price must have been 
   the amount in question.                     more than $50.00. (Note: Neither of these are necessary if Your purchase 
                                               was based on an advertisement We mailed to You, or if We own the company 
           What Will Happen After We Receive Your Letter  that sold You the goods or services.) 
                                            2)  You must have used Your Credit Card for the purchase. Purchases made with 
   When We receive Your letter, We must do two things:  cash advances from an ATM or with a check that accesses Your Credit Card 
                                               account do not qualify. 
   1)  Within 30 days of receiving Your letter, We must tell You that We received  3)  You must not yet have fully paid for the purchase. 
     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  If all of the criteria above are met and You are still dissatisfied with the purchase, 
     explain to You why We believe the bill is correct.  contact Us in writing at Our address shown in this Agreement. 
                                             
   While We investigate whether or not there has been an error:  While  We  investigate,  the  same  rules  apply  to  the  disputed  amount  as 
                                            discussed  above.  After  We  finish  Our  investigation,  We  will  tell  You  Our 
   ?  We cannot try to collect the amount in question, or report You as delinquent  decision. At that point, if We think You owe an amount and You do not pay, We 
     on that amount.                        may report You as delinquent. 
    
                        
    
    
    
   Copyright Oak Tree Business Systems, Inc., 2015. All Rights Reserved.                                                      Page 4 of  4                                                                                                                          OTBS 016CC KITS (11/15)