Credit Card Agreement 

1. INTRODUCTION. 
This Agreement covers your Visa Credit Card Account (your “Account”) with us. 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 words “we” 
and “Bank” refer to BANNER BANK. The word “Card” means any one or more credit 
cards issued under the Bank’s VISA Platinum Card program. You must sign the Card to 
use  it.  If  you  sign  an  application  for  this  Account  or  sign  or  use  any  Card  or  use 
personal identification number (your “PIN”), or allow others to use the Card or your 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. CREDIT LINE. 
Your Account is a revolving line of credit line in the amount of your credit limit. We will advise 
you of the amount of your credit limit. Your credit limit will be the maximum amount you may 
have outstanding at any one time under your credit line. You agree not to attempt to obtain 
more credit than the amount of your credit limit. However, if you temporarily exceed your credit 
limit you agree to repay the excess immediately, even if we have not yet billed you. Obtaining 
such credit does not increase your credit limit. We retain the right to increase or decrease your 
credit limit at any time for any reason. Any increase or reduction on the limit of your credit limit 
will be shown on your monthly statement or by separate notice together with any changes in 
the applicable minimum monthly payments. 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 notifying us in writing and returning all Cards cut in 
half. If you terminate this Agreement or if we terminate or suspend your credit privileges, the 
provisions of  the Agreement and  your  liability  hereunder  shall otherwise  remain  in  full  force 
and effect until you have paid us all sums due under this Agreement and returned all Cards. 
3. ACCOUNT ACCESS. 
You  may  use  your  Card  and  your  Account  to  purchase  goods  or  services,  obtain  balance 
transfers and obtain cash advances. No transaction may exceed the available funds in your 
Account. We may not honor your request for a transaction if: the request would exceed your 
credit  limit;  you  are  in  default  under  this  Agreement;  your  Account  has  been  terminated  or 
suspended, or your Account has not been activated. 
Purchases. You may use your Account to purchase goods or services wherever the Card is 
honored, up to the full amount of  your credit limit. However, you may not use your Card to 
initiate any type of electronic gambling transaction through the Internet.  
Balance Transfers. You may use your Account to obtain balance transfers from us, up to the 
full amount of your credit limit. Balance transfers can be used to pay off your obligations with 
other creditors. Balance transfers may not be used to payoff any Banner Bank accounts. 
Cash  Advances.  You  may  use  your  Account  to  obtain  cash  advances  from  us,  from 
participating  financial  institutions  and  from  automated  teller  machines  (“ATM”).  These  cash 
advances are subject to a cash advance credit limit, with is 50.00% of your credit line. The 
maximum cash advance you may obtain at any ATM is $500.00. We may offer you preprinted 
letter checks from time to time to obtain cash advances. You may write letter checks up to the 
full amount of your credit limit. 
4. YOUR PROMISE TO PAY. 
You  promise  to  pay  us  for  all  purchases,  cash  advances  and  balance  transfers,  plus  any 
FINANCE CHARGE, fees and other 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 
receive no benefit from the use. The total outstanding balance of your Account on the closing 
date  of  a  billing  cycle,  including  any  FINANCE  CHARGE  will  be  shown  on  your  monthly 
statement for that billing cycle as the “New Balance.” You promise to pay us either by direct 
payment or by automatic transfers from your bank deposit account.  
5. FINANCE CHARGE: 
a. When a FINANCE CHARGE will accrue. 
Purchases.  A  FINANCE  CHARGE  will  be  imposed  on  purchases  from  the  date  each 
purchase is posted to your Account to the date paid. If, however, the outstanding balance on 
your prior monthly statement was paid in full prior to the statement due date or was zero and 
you pay your entire New Balance in full within 25 days after the closing date, no FINANCE 
CHARGE will be imposed on your purchases. This “grace period for purchases” allows you to 
avoid a FINANCE CHARGE on purchases for a billing cycle. 
Balance Transfers and Cash Advances. A FINANCE CHARGE will be imposed on balance 
transfers and cash advances from the date each cash advance or balance transfer is posted 
to  your  Account  to  the  date  paid.  There  is  no  time  period  within  which  to  pay  to  avoid  a 
periodic FINANCE CHARGE on cash advances or balance transfers. 
b. Periodic Rates used to compute FINANCE CHARGE 

Card Purchases:  

    Periodic Rate  
0.9992% per month  

             Corresponding 
   ANNUAL PERCENTAGE RATE 
                11.99% 

Balance Transfers:*  

0.7700% per month  

  9.24% 

Cash Advances:  

1.5000% per month  

                18.00% 

(* Beginning 60 days after your account setup the Periodic Rate and Corresponding ANNUAL 
PERCENTAGE  RATE  for  new  Balance  Transfers  will  be  the  same  as  the  rate  for  Card 
Purchases). 

c.  Method  used  to  determine  the  balance  on  which  the  Finance  Charge  may  be 
computed and amount of Finance Charge. 
We  figure  the  FINANCE  CHARGE  on  your  purchases  by  applying  the  Periodic  Rate  for 
purchases  to  the  “Average  Daily  Balance”  of  purchases  for  your  Account  (including  current 
transactions). To get the “Average Daily Balance” we take the beginning purchase balance of 
your  Account  each day,  add any  new purchases and  subtract  any payments  or credits  and 
unpaid FINANCE CHARGE. This gives us the daily balance for purchases. 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 purchases. We figure the FINANCE CHARGE on 
your  balance  transfers  by  applying  the  Periodic  Rate  for  balance  transfers  to  the  “Average 
Daily Balance” of balance transfers for your Account (including current transactions). To get 
the “Average Daily Balance” we take the beginning balance transfer balance of your Account 
each day, add any new balance transfers and subtract any payments or credits and unpaid 
FINANCE CHARGE. This gives us the daily balance for balance transfers. 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 balance transfers. 

We figure the FINANCE CHARGE on your cash advances by applying the Periodic Rate for 
cash advances to the “Average Daily Balance” of cash advances for your Account (including 
current transactions). To get the “Average Daily Balance” we take the beginning cash advance 
balance of your Account each day, add any new cash advances and subtract any payments or 
credits and unpaid FINANCE CHARGE. This gives us the daily balance for cash advances. 
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 cash advances. The FINANCE 
CHARGE  imposed  during  the  billing  cycle  will  be  determined  by  multiplying  the  applicable 
Average Daily Balance by the applicable Periodic Rate.  

Employee Rate Reduction. If you are an employee of Banner Bancorp, or one of its affiliates, 
you will receive a 2.00% rate reduction from the Purchase rate disclosed in this agreement. 

6. ANNUAL FEE: 
No Annual Fee shall be charged. 
7. LATE CHARGES: 
If your minimum required payment is not received within 5 days after the scheduled monthly 
due date, a late charge of $20.00 will be imposed. 
8. OTHER CHARGES THAT MAY BE IMPOSED. 
We may also impose the following fees and charges on your Account: 
a.  Returned  Item  Charge.  If  any  check  or  draft  we  receive  from  you  as  payment  for  any 
amount you owed to us is returned to us unpaid, we may impose a return item fee of $15.00. 
b. Copies of Past Statements. If you request a copy of a monthly statement, we may charge 
your Account $2.00 per billing statement. These charges cover the cost 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. 
c. 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. 
d. 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 and reasonable attorney fees and 
collection agency costs whether or not there is a lawsuit, and fees on any appeal and fees for 
bankruptcy proceedings, appeals, and any post judgment collection services, if applicable.  
9. MONTHLY STATEMENTS. 
Each  month  we  will  send  you  a  statement  showing  purchases,  balance  transfers,  cash 
advances,  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 
monthly statement also will identify the minimum monthly payments 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. 
10. MINIMUM PAYMENT: 
a. The minimum payment required is the New Balance shown on your monthly statement if the 
amount is equal to or less than $25.00. 
b.  If  the  New  Balance exceeds $25.00  the minimum payment  is  calculated based  upon  the 
portion  of  the  New  Balance  (2.00%  of  the  Cash  Advance  balance,  2.00%  of  the  Purchase 
balance, and 5.00% of the Balance Transfer balance) which does not exceed your credit limit 
(rounded up to the nearest dollar), or $25.00, whichever is greater, plus the entire portion of 
the  New  Balance  in  excess  of  your  credit  limit,  plus  any  amount  past  due,  plus  any 
outstanding late charges and other fees and charges. 
11. PAYING YOUR ACCOUNT. 
You agree that you will pay each month not less than the minimum monthly payment on or 
before the scheduled monthly due date shown on your statement. You may pay in full for all 
your purchases and cash advances each month, or you may repay in monthly installments. 
We  can  accept  late  payments  or  partial  payments,  or  checks,  drafts,  and  money  orders 
marked “paid in full”, without prejudice to our rights under this Agreement, which are hereby 
explicitly reserved. 

 
 
 
 
 
18. TRANSFERS. 
We  may  transfer  all  or  part  of  your  account  balance,  along  with  our  rights  under  this 
Agreement, to another person or entity. That person or entity will then be entitled to enforce 
our  rights  under  this  Agreement.  You  may  not  transfer  your  rights  or  obligations  under  this 
Agreement. 
19. GOVERNING LAW. 
This  Agreement  will  not  take  effect  until  it  is  approved  by  us.  This  Agreement  shall  be 
governed by the laws of the State of Washington, regardless of where you reside. 

BILLING RIGHTS SUMMARY 
In Case of Errors or Questions About Your Bill 

If you think your bill is wrong, or if you need more information about a transaction on your bill, 
write us (on a separate sheet) at Banner Bank, PO Box 2181, Walla Walla, WA 99362-0181 
(the address shown on your bill) as soon as possible. We must hear from you no later than 60 
days after we sent you the first bill on which the error or problem appeared. You can telephone 
us, but doing so will not preserve your rights. 

In your letter, give us the following information: 
Your name and account number. 
 
The dollar amount of the suspected error. 
 
Describe the error and explain, if you can, why you believe there is an error. If you need 
 
more information, describe the item you are unsure about. 

You do not have to pay any amount in question while we are investigating, but you are still 
obligated  to  pay  the  parts  of  your  bill  that  are  not  in  question.  While  we  investigate  your 
question,  we  cannot  report  you  as  delinquent  or  take  any  action  to  collect  the  amount  you 
question. 

Special Rule for Credit Card Purchases 

If you have a problem with the quality of goods or services that you purchased with a credit 
card, and you have tried in good faith to correct the problem with the merchant, you may not 
have to pay the remaining amount due on the goods or services. You have this protection only 
when the purchase price was more than $50.00 and the purchase was made in your home 
state or within 100 miles of your mailing address. (If we own or operate the merchant, or if we 
mailed  you  the  advertisement  for  the  property  or  services,  all  purchases  are  covered 
regardless of amount or location of purchase.) 

Better ideas. Better banking. 

1-800-272-9933 

www.bannerbank.com 

12. APPLICATION OF PAYMENTS: 
Payments to your Account will be applied in the following order: previously billed and unpaid 
FINANCE CHARGE, fees, then payments will be allocated to balances in the following order: 
Cash Advances, Purchases, and then Balance Transfers. 
13. CONDITIONS OF ACCOUNT USE. 
The use of your Card and Account are subject to the following conditions: 
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 or illegality or unlawfulness. 
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. 
Foreign Transactions. Purchases and cash advances made 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  addition,  you  will  be  charged  an  International 
Transaction Fee of 1.00% of the transaction amount for any card transaction made in a foreign 
country. 
Letter Checks. We may not honor your letter check and we are entitled to return it unpaid if: 
your check is post-dated; payment of the check would exceed your credit limit; if you are in 
default under  this  Agreement; a  check  is  signed by  person  without  authorized access;  your 
Account  has  been  terminated  or  suspended,  your  Account  has  not  been  activated,  or  any 
checks  have  been  reported  lost  or  stolen.  We  will  not  certify  a  letter  check.  You  may  stop 
payment on a letter check if you provide us with the exact information describing the check. If 
you give us incorrect information, we will not be responsible for failing to stop payment. You 
understand there may be a charge for each stop payment order requested. Our liability for a 
wrongful dishonor is limited to your actual charges; however, a dishonor for the reasons stated 
above is not a wrongful dishonor. Only the person whose name is printed on a letter check 
may sign it. All letter checks must be written in U. S. dollars. A letter check may not be used to 
make  a  payment  on  your  Account.  The  Bank  shall  have  no  liability  for  any  letter  check(s) 
returned in excess of your credit limit. 
Personal Identification Number.  We will issue you a PIN for use with your Card at 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. 
Notices and Payments. All notices will be sent to your address as shown in the application. 
You agree to advise us promptly if you change your mailing address. 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. 
14. DEFAULT. 
You  will  be  in  default  under  this  Agreement  if  any  of  the  following  occur:  (a)  any  minimum 
monthly payment is not made when 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. We will notify you in writing of any such action as 
soon  as  practical  if  it  occurs.  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 cost incurred by us. We can delay enforcing any right under 
this Agreement without losing that right or any other right. 
15. 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 directly or through a credit reporting 
agency. 
16. LIABILITY FOR UNAUTHORIZED USE. 
You  may  be  liable  for  the  unauthorized  use  of  your  Card.  You  will  not  be  liable  for  any 
unauthorized use of your Card once you notify us at: (866) 839-3409 or (727) 577-2485 of the 
loss, theft, or possible unauthorized use. The foregoing liability limitation does not apply if you 
are grossly negligent or fraudulent in the handling of your Account or your Card,  nor does it 
apply in the case of cash advances obtained at an ATM. In any event, your maximum liability 
for unauthorized use will not exceed $50.00. 
17. CHANGE IN TERMS. 
We have the right to change any terms and conditions of this Agreement at any time. If we do 
so, we will notify you in writing if required by law (in which case, changes will be effective on 
the date specified in the notice). Changed terms will apply to the outstanding balance of your 
Account as well as to any transactions after the date of the change, except that changes in 
interest  rates  will  apply  only  to  transactions  performed after  the  date  of  the  change.  In  any 
event,  use  of  your  Account  after  the  date  of  the  change  will  confirm  that  you  agree  to  the 
change.