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.  
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

06/15/12
FNIS #I010002

Banner Bank – Platinum Rewards Visa® Credit Card 

Required Federal Disclosures

Credit Card Agreement

INTEREST RATES AND INTEREST CHARGES
Annual Percentage 
13.99%
Rate (APR) for 
Purchases

APR for Balance 
Transfers

APR for Cash 
Advances
Paying Interest  

Minimum Interest 
Charge

For Credit Card  
Tips From the 
Consumer Financial 
Protection Bureau

11.24% 
On Balance Transfers posting to your account 
during the first 60 days after your account 
setup. After that, the same as the APR for 
purchases. 

18.00%

Your due date is at least 25 days after the 
close of each billing cycle. We will not charge 
you any interest on purchases if you pay your 
entire balance by the due date each month.
We will begin charging interest on cash 
advances and balances transfers on the 
transaction date.
If you are charged interest, there will be  
no minimum charge.

To learn more about factors to consider 
when applying for or using a credit card, 
visit the website of the Consumer Financial 
Protection Bureau at  
http://www.consumerfinance.gov/learnmore

FEES

Annual Fee

Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction

None

None
None
Pass through Visa’s currency conversion 
fee, equal to 1.00% of the transaction 
amount in U.S. dollars on all foreign 
transactions.

Penalty Fees
• Late Payment
• Over the Credit Limit
• Returned Payment
Other Fees

$20.00
None
$15.00
$2.00 for each copy of a past billing 
statement

How We Will Calculate Your Balance:  We use a method 
called “average daily balance (including new purchases)”.  
See your account agreement for more details.

Billing Rights:  Information on your rights to dispute 
transactions and how to exercise those rights is provided in 
the enclosed document entitled “Your Billing Rights”, and 
on the back of each monthly billing statement.

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

Corresponding ANNUAL PERCENTAGE RATE

Periodic Rate 
1.1658% per month 
0.9367% per month 
1.5000% per month 

13.99%
11.24%
18.00%

Card Purchases: 
Balance Transfers:* 
Cash Advances: 
(*  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.  
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.