PLEDGE OF SHARE ACCOUNT �  At least 3 business days before an automated payment is  with the purchase, contact us in wri? ng at the above address. 
 scheduled, if you want to stop payment on the amount  While we inves? gate, the same rules apply to the disputed 
 This paragraph applies only if you have a Visa Blue Secured 
 you think is wrong. amount as discussed above. A? er we ? nish our inves?ga?on, 
 credit card, which requires a separate security agreement. 
 we will tell you our decision. At that point, if we think you 
 To secure your obliga? on, you grant us a security interest 
 You must no? fy us of any poten? al errors in wri? ng. You may  owe an amount and you do not pay, we may report you as 
 in your deposit account under the Visa Blue Secured Pledge 
 call us, but if you do, we are not required to inves?gate any  delinquent.
 Form that you have signed. The Visa Blue Secured Pledge 
 poten? al errors and you may have to pay the amount in ques? on. 
 Form is incorporated into and made part of this Agreement 
 by this reference. REWARDS PROGRAM TERMS AND CONDITIONS
 What will happen a? er we receive your le? er. When we receive 
 your le? er, we must do two things: Pla? num cardholders earn one (1) rewards point for each net  Visa Cardholder
 OTHER FEES 1.  Within 30 days of receiving your le? er, we must tell you  purchase dollar on the card. Merchandise returns and other 
 ANNUAL FEES that we received your le? er. We will also tell you if we  non-payment credits will be deducted from accumulated 
     Agreement and
 have already corrected the error. rewards points. Purchases do not include cash advances 
 Gold: None
 (including balance transfers). Rewards points do not accumulate 
 Blue: None 2.  Within 90 days of receiving your le? er, we must either 
 Blue Secured: None correct the error or explain to you why we believe the  for fees or ? nance charges. Sound Credit Union will determine 
     Disclosure
 what cons? tutes a qualifying purchase.
 Pla?num: None bill is correct.
 Rewards points must be redeemed through the rewards 
 REPLACEMENT CARDS: We will charge your account $5 for  While we inves? gate whether or not there has been an error:
 �  We cannot try to collect the amount in ques? on or report  program redemp? on center by going to soundcu.com or calling 
 replacement of a card. Platinum
 you as delinquent on that amount. 877.909.1450, or from outside the US or Canada 206.352.3478, 
 DRAFT COPY CHARGES: There is a minimum charge of $6 per  �  The charge in ques? on may remain on your statement, and  collect. Please refer to soundcu.com for complete program  Blue
 copy for each sales dra?  requested. If your request is related  we may con? nue to charge you interest on that amount. rules and details.
 to a billing error and an error is found, we will reverse any copy  �  While you do not have to pay the amount in ques?on,  Blue Secured
 Any i?nerary modi?ca?ons a? er ?cke? ng are the sole ?nancial
 charges made to your account. you are responsible for the remainder of your balance.
 responsibility of the traveler. Travel is based on availability at  Gold
 �  We can apply any unpaid amount against your credit limit.
 LATE FEES: Up to $25 when payment is not received by the  the ?me of ?cke? ng. Sound Credit Union is not responsible for 
 due date. over-sold or sold out ?ights, cancelled ? ights or changed ?ights 
 A? er we ? nish our inves?ga? on, one of two things will happen:
 and assumes no responsibility. Tickets may be purchased for 
 CASH ADVANCE: 4% of advanced amount ($10 minimum). �  If we made the mistake: You will not have to pay the 
 any individual that the cardholder designates.
 amount in ques? on or any interest or other fees related 
 CARD RECOVERY FEES: There is a $65 charge for card recovery  to that amount. Rewards points cannot be used in conjunc? on with any other 
 due to over limit or delinquent accounts. �  If we do not believe there was a mistake: You will have  type of rewards program, promo? on, frequency reward 
 to pay the amount in ques? on, along with applicable  program, or coupons.
 COLLECTION FEES: If you fail to comply with this Agreement, 
 interest and fees. We will send you a statement of the 
 you will promise to pay our collec? on costs and reasonable 
 amount you owe and the date payment is due. We may  Rewards points will expire on the last day of the month, four (4) 
 a? orneys� fees to enforce any provision of this Agreement in 
 then report you as delinquent if you do not pay the  years a? er the month they were earned, on a ?rst-in, ?rst-out 
 accordance with state and federal laws.
 amount we think you owe. basis. For example, rewards points earned during January 2014 
 will expire on February 28, 2018.
 STATEMENT COPY CHARGES: There will be a charge of $2 for 
 each copy requested. The fee will be billed directly to your  If you receive our explana? on but s? ll believe your bill is wrong, 
 For rewards points to be redeemed the Visa Pla? num account 
 Visa account. you must write to us within 10 days telling us that you s?ll 
 must not be past due or over limit at the ? me the rewards 
 refuse to pay. If you do so, we cannot report you as delinquent 
 points are redeemed. If the Visa Pla? num account is closed by 
 ATM SURCHARGES: If you use an ATM to obtain a cash advance  without also repor? ng that you are ques? oning your bill. We 
 the cardholder or Sound Credit Union, the cardholder cannot 
 and the ATM is not operated by us, you may be charged an ATM  must tell you the name of anyone to whom we reported you 
 redeem rewards points. The Credit Union will determine what 
 surcharge by the ATM operator or an ATM network u?lized  as delinquent, and we must let those organiza? ons know when 
 cons? tutes a closed account.
 for such a transac? on. The ATM surcharge may be charged to  the ma? er has been se? led between us. If we do not follow all 
 your account if you complete the transac? on. You will also be  of the rules above, you do not have to pay the ? rst $50 of the  Rewards points are not the property of the cardholder and 
 charged the normal cash advance fee. amount you ques? on even if your bill is correct. cannot be bought, sold or transferred in any way. Rewards 
 points have no cash value and cannot be used to pay other 
 YOUR CREDIT CARD BILLING RIGHTS Your Rights If You Are Dissa?s? ed With Your Credit Card  obliga? ons to Sound Credit Union or any other party. No 
 Purchases. If you are dissa?s? ed with the goods or services that 
 Keep this document for future use. This no? ce tells you about  cardholder or claimant is en? tled to compensa? on from Sound 
 you have purchased with your credit card and you have tried 
 your rights and our responsibili? es under the Fair Credit Billing  Credit Union if rewards points are revoked, terminated or lost.
 in good faith to correct the problem with the merchant, you 
 Act.
 may have the right not to pay the remaining amount due on the  Sound Credit Union reserves the right to amend the program 
 purchase. To use this right, all of the following must be true: at any ?me.
 What to Do If You Find a Mistake on Your Statement. If you 
 1.  The purchase must have been made in your home state 
 think there is an error on your statement, write to us at: Sound 
 or within 100 miles of your current mailing address, 
 Credit Union, PO Box 1595, Tacoma WA 98401. In your le? er, 
 and the purchase price must have been more than $50. 
 give us the following informa?on:
 (Note: Neither of these are necessary if your purchase 
 � Account informa?on: Your name and account number.
 was based on an adver? sement we mailed to you, or if 
 � Dollar amount: The dollar amount of the suspected 
 we own the company that sold you the goods or services.)
 error.
 2.  You must have used your credit card for the purchase. 
 � Descrip? on of problem: If you think there is an error on 
 Purchases made with cash advances from an ATM or with a 
 your bill, describe what you believe is wrong and why 
 check that accesses your credit card account do not qualify.
 you believe it is a mistake.
 3.  You must not yet have fully paid for the purchase.
 You must contact us:
 �  Within 60 days a? er the error appeared on your statement. If all of the criteria above are met and you are s? ll dissa?s?ed 
 OCS Item #15307A REV 8.14  This Visa Cardholder Agreement (Agreement) and the Account  CANCELLATION OF YOUR ACCOUNT directly to us so we receive the payment on or before the  Number (PIN) in conjunc? on with an Automated Teller Machine 
  Opening Disclosures accompanying this Agreement will govern           payment due date. Payment shall be made by a check or money  (ATM) which provides access to the Visa system. Sound Credit 
                                     Cancella?on by You: You may cancel your Account at any ?me 
  your Visa Gold, Blue, Blue Secured and Pla? num Credit Card           order made in U.S. funds or an electronic credit issued by a  Union reserves the right to impose a dollar limit on ATM cash 
                                     by: (i) returning all Cards to us and (ii) sending us a le? er that 
  and account issued by Sound Credit Union. By having signed            U.S. ?nancial ins?tu? on naming us as payee. Payments will be  advances made within a single day. Your monthly statement 
                                     you wish to cancel the account. Your Card(s) and le? er should 
  the Visa Credit  Applica? on or signing or using the card, you        credited on the date received. Payments received at the address  will iden? fy the merchant, electronic terminal or ?nancial 
                                     be addressed to us at our address appearing on your monthly 
  agree to be bound by and perform the terms and condi?ons              shown on your statement on or before 5:00 PM on any business  ins?tu? on at which the transac? ons were made, but sales, 
                                     statement. 
  of the Visa Cardholder Agreement and Disclosure Statement.            day will be credited to your Account as of that date; payments  cash advance, credit or other slips cannot be returned with 
                                     Cancella? on by Us: By giving you wri? en no? ce we may reduce 
                                                                        received by mail at that address a? er 5:00 PM or on a weekend  the statement. You will retain the copy of such slips furnished 
                                     your credit line from ?me to ? me, or with good cause revoke 
  In this Agreement the words you or your mean each and all of          will be posted to your Account as of the next business day. at the ? me of the transac? on in order to verify the monthly 
                                     your card and terminate the Agreement. Good cause includes 
  those who apply for the card or who sign this Agreement. Card                                            statement. Sound Credit Union may make a reasonable charge 
                                     your failure to comply with the Agreement, or our adverse 
  means the Visa Credit Card and any duplicates and renewals 
                                     reevalua? on of your creditworthiness. If we cancel your  INTEREST CHARGES for photocopies of slips which you may request. You may not 
  we issue. Account means your Visa Credit Card Line of Credit                                             use the card or account for any unlawful or illegal transac?on, 
                                     account you must return all cards immediately to us. Any use of  You can avoid interest charges on purchases by paying the 
  account with us. We, us, and ours mean this Credit Union.                                                and you agree to hold us harmless if you do. We may refuse 
                                     the Account or Card(s), a? er we have cancelled or suspended  purchase amounts in the New Balance of Purchases each month 
                                                                                                           to honor any transac? on that we believe is illegal or unlawful.
                                     your Account, may be considered fraudulent. within 25 days of your statement closing date. Otherwise, the 
              RESPONSIBILITY         You Con? nue to Be Liable: If your Account is terminated,  New Balance of Purchases, and subsequent purchases from the 
  If we issue you a card, you agree to repay all debts and the  cancelled or suspended, each of you will con? nue to be liable  date they are posted to your account, will be subject to interest  RETURNS AND ADJUSTMENTS  
  interest charges arising from the use of the card and the card  for all sums owed on it un? l the Account is paid in full. You  charges. Cash advances are always subject to interest charges  Merchants and others who honor the Card(s) may give credit 
  account. For example, you are responsible for charges made  will also remain liable for any use of any Card(s) not returned  from the date they are posted to your account. Interest charge  for returns or adjustments and they will do so by issuing this 
  by yourself, your spouse and minor children. You are also  to us. If your account is suspended, it will not be returned to  (interest) is calculated by applying a periodic rate to the average  credit to your account. You should retain a copy of this credit 
  responsible for charges made by anyone else to whom you  ac? ve status un? l we speci? cally inform you, regardless of your  daily principal balances of purchases and cash advances on  slip un? l you verify the pos? ng of the credit to your account 
  give the card, and this responsibility con?nues un? l the card is  receipt of any monthly statement. the account. The principal balances of purchases and cash  on a monthly billing statement. If your credits or any payments 
  recovered. You cannot disclaim responsibility by no?fying us,         advances are determined each day during the statement  exceed what you owe us, we will apply this credit balance against 
  but we will close the account for new transac? ons if you so  CREDIT INFORMATION period, beginning with the principal por? on of your Previous  future purchases and cash advances, or if it is $1 or more, we 
  request and return all cards. Your obliga? on to pay the account      Balances, reduced by payments you make and credits we apply  will refund it upon your wri? en request or automa?cally a? er 
                                     You authorize us to inves? gate your credit standing when 
  balance con? nues even though an agreement, divorce decree            and increased by purchases and cash advances you make and  6 months.
                                     opening, renewing or reviewing your account, and you 
  or other court judgment to which we are not a party may direct        debit adjustments. The daily principal balances for purchases 
                                     authorize us to disclose informa? on regarding your account to 
  you or one of the other persons responsible to pay the account.       and cash advances are totaled, and divided by the number of 
                                     credit bureaus and other creditors who inquire of us about your                FOREIGN TRANSACTIONS
  Any person using the card is jointly and individually responsible     days in the statement period, to produce separate average daily 
                                     credit standing. You also understand that our Privacy Policy, as      Purchases and cash advances made in foreign countries will be 
  with you for charges he or she makes, but if that person              principal balances for purchases and cash advances to which 
                                     may be amended from ?me to ? me, applies to you and your              billed to you in U.S. dollars. The currency conversion rate for 
  signs the card he or she becomes a party to this Agreement            the periodic rate is then applied. The periodic rate that is used 
                                     account.                                                              interna? onal transac? ons as established by Visa Interna?onal, 
  and is also jointly and individually responsible for all charges      to compute the interest charge is variable, and will change 
                                                                                                           Inc. is a rate selected by Visa from the range of rates available 
  on the account, including yours. We are not responsible if a          based on changes in an index, which is the highest �Prime Rate� 
                                                MONTHLY PAYMENT                                            in wholesale currency markets for the applicable central 
  merchant, bank, or ATM refuses to honor your card. Although           as published in the Wall Street Journal as of the ? ? h day before 
                                                                                                           processing date, which rate may vary from the rate Visa itself 
  you may have credit available, we may not authorize credit for  We will provide you with a billing statement every month  the end of the previous calendar month. We add a margin to 
                                                                                                           receives, or the government-mandated rate in e? ect for the 
  a par?cular transac? on due to opera?onal di?  cul? es or, in our  showing your previous balances of purchases and cash advances,  the index to obtain the annual percentage rate (APR). The APR 
                                                                                                           applicable central processing date. In addi? on, you will be 
  discre? on, for any other appropriate reason. the current transac? ons on your account, the remaining credit  is divided by 12 to obtain the periodic rate. The rate will be 
                                                                                                           charged a Foreign Transac? on Fee of up to 1% of the transac?on 
                                     available under your credit line, the New Balance of Purchases  adjusted on the ? rst day of each billing cycle. The amount of the 
                                                                                                           amount for any card transac? on made in a foreign country.
            LOSS OR THEFT OF CARD    and Cash Advances, the Total New Balance, the Interest Charge  margin that will apply to your account is based on your credit 
                                     due to date, any other billed fees, and the Minimum Payment  pro? le and will be provided to you on, or before, you receive 
  You agree to no? fy us immediately, orally or in wri?ng, at 
                                     required. Every month you must pay at least the Minimum  your card. In addi? on to the interest charge, a cash advance fee  EFFECT OF AGREEMENT
  Sound Credit Union, PO Box 1595, Tacoma, WA 98401 or 
                                     Payment due. You may pay more frequently, pay more than  (interest charge) equal to 4% of the advance or $10, whichever  We reserve the right to amend the terms of the Agreement at 
  telephone 253.383.2016 or Visa at 800.VISA.911 and advise us 
                                     the Minimum Payment or pay the New Balance in full. The  is greater, will apply to each cash advance. any ? me as permi? ed by and subject to any limita?ons and 
  of the loss, the?  or unauthorized use of your credit card(s). 
                                     Minimum Payment will be either (a) 2% of your Total New               no? ce requirements of applicable law. If you do not accept the 
  If you no? fy us of your lost or stolen credit card(s), you will 
                                     Balance or $25 whichever is greater; or (b) your Total New  DEFAULT   new annual percentage rate, you may pay o?  your balance. 
  not be liable for any losses, unless you were grossly negligent 
                                     Balance if it is less than $25 plus, (c) any por? on of the Minimum   We may sell or transfer your account and any amounts owed 
  or fraudulent in handling your credit card(s). Otherwise your         You will be in default if you fail to make any minimum payment 
                                     Payment(s) shown on prior statement(s) which remains unpaid.          on your account to another person at any ? me. If we do, this 
  liability for unauthorized credit card transac? ons may be up         within 25 days a? er your monthly statement closing date. You 
                                     In addi? on, if at any ? me your Total New Balance exceeds            Agreement will s? ll be in e? ect and any successor will have our 
  to $50.                                                               will also be in default if your ability to repay us is materially 
                                     your credit line, you must immediately pay the excess upon            rights in this Agreement to the extent assigned. The Agreement 
                                                                        reduced by a change in your employment, an increase in your 
                                     no? ?ca? on. Borrowing the full amount of your credit line may        will be governed by the laws of the state of Washington.
               CREDIT LINE                                              obliga? ons, bankruptcy or insolvency proceedings involving 
                                     result in an increased minimum payment to cover the interest 
                                                                        you, your death or your failure to abide by this Agreement. 
  The approval of your applica? on will establish a line of credit  due. Payments are posted in the order as follows: The system 
                                                                        We have the right to demand immediate payment of your full  LIMIT ON ADVANCES
  for you. We will no? fy you of this amount when we issue you  applies payments to the balances outstanding as of the last 
                                                                        account balance if you default, subject to our giving you any  For advances taken from an ATM, there is a limit for each 
  the card(s). You agree not to let the account balance exceed  statement in the following order:
                                                                        no? ce required by law. To the extent permi? ed by law, you  transac? on and a $500 daily limit that you may obtain.
  this approved credit line. Each payment you make on the  � Late Charges
                                                                        will also be required to pay our collec? on expenses, including 
  account will restore your credit line by the amount of the  �  Purchase new interest unpaid (includes insurance interest 
                                                                        collec? on agency costs, court costs and reasonable a? orneys� fees.
  payment which is applied to the principal. You may request an  unpaid)                                         SECURITY INTEREST - COLLATERAL
  increase in your credit line by submi?  ng a new applica?on,  �  Cash Advance new interest unpaid        You pledge to us and grant us a consensual security interest in 
  which must be approved by Sound Credit Union. You agree that  �  Other Fees (both those that have appeared on a statement  USING THE CARD all joint and individual share and deposit accounts you have 
  we may change this limit at any ? me, and we will no? fy you of  and those posted in the current cycle that have not yet  To make a purchase or cash advance, there are two alterna?ve  with us now and in the future to secure your Visa account. You 
  any such change that is not temporary. You agree not to permit  appeared on a statement) procedures to be followed. One is for you to present the  authorize us to apply the balance in these account(s) to pay any 
  your unpaid balance to exceed your total credit limit. �  Purchase new balance (includes insurance premiums) card to par?cipa? ng Visa plan merchants, to us or to another  amount due to your Visa account if you should default, without 
                                     �  Cash Advance new balance        ?nancial ins?tu? on which honors Visa, and sign the sales or  further no? ce to you. Addi? onally, any collateral (except your 
                                     � Promo?onal balances              cash advance dra?  which will iden? fy your card. The other is to  principal dwelling) securing other loans with us in the past and 
                                     Payments along with your remi? ance stub should be mailed  complete the transac?on by using your Personal Iden? ?ca?on  in the future will also secure your Visa account. This Visa Cardholder Agreement (Agreement) and the Account  CANCELLATION OF YOUR ACCOUNT directly to us so we receive the payment on or before the  Number (PIN) in conjunc? on with an Automated Teller Machine 
 Opening Disclosures accompanying this Agreement will govern  payment due date. Payment shall be made by a check or money  (ATM) which provides access to the Visa system. Sound Credit 
  Cancella?on by You: You may cancel your Account at any ?me 
 your Visa Gold, Blue, Blue Secured and Pla? num Credit Card  order made in U.S. funds or an electronic credit issued by a  Union reserves the right to impose a dollar limit on ATM cash 
  by: (i) returning all Cards to us and (ii) sending us a le? er that 
 and account issued by Sound Credit Union. By having signed  U.S. ?nancial ins?tu? on naming us as payee. Payments will be  advances made within a single day. Your monthly statement 
  you wish to cancel the account. Your Card(s) and le? er should 
 the Visa Credit  Applica? on or signing or using the card, you  credited on the date received. Payments received at the address  will iden? fy the merchant, electronic terminal or ?nancial 
  be addressed to us at our address appearing on your monthly 
 agree to be bound by and perform the terms and condi?ons  shown on your statement on or before 5:00 PM on any business  ins?tu? on at which the transac? ons were made, but sales, 
  statement. 
 of the Visa Cardholder Agreement and Disclosure Statement. day will be credited to your Account as of that date; payments  cash advance, credit or other slips cannot be returned with 
  Cancella? on by Us: By giving you wri? en no? ce we may reduce 
                                     received by mail at that address a? er 5:00 PM or on a weekend  the statement. You will retain the copy of such slips furnished 
  your credit line from ?me to ? me, or with good cause revoke 
 In this Agreement the words you or your mean each and all of  will be posted to your Account as of the next business day. at the ? me of the transac? on in order to verify the monthly 
  your card and terminate the Agreement. Good cause includes 
 those who apply for the card or who sign this Agreement. Card         statement. Sound Credit Union may make a reasonable charge 
  your failure to comply with the Agreement, or our adverse 
 means the Visa Credit Card and any duplicates and renewals 
  reevalua? on of your creditworthiness. If we cancel your  INTEREST CHARGES for photocopies of slips which you may request. You may not 
 we issue. Account means your Visa Credit Card Line of Credit          use the card or account for any unlawful or illegal transac?on, 
  account you must return all cards immediately to us. Any use of  You can avoid interest charges on purchases by paying the 
 account with us. We, us, and ours mean this Credit Union.             and you agree to hold us harmless if you do. We may refuse 
  the Account or Card(s), a? er we have cancelled or suspended  purchase amounts in the New Balance of Purchases each month 
                                                                       to honor any transac? on that we believe is illegal or unlawful.
  your Account, may be considered fraudulent. within 25 days of your statement closing date. Otherwise, the 
 RESPONSIBILITY You Con? nue to Be Liable: If your Account is terminated,  New Balance of Purchases, and subsequent purchases from the 
 If we issue you a card, you agree to repay all debts and the  cancelled or suspended, each of you will con? nue to be liable  date they are posted to your account, will be subject to interest  RETURNS AND ADJUSTMENTS  
 interest charges arising from the use of the card and the card  for all sums owed on it un? l the Account is paid in full. You  charges. Cash advances are always subject to interest charges  Merchants and others who honor the Card(s) may give credit 
 account. For example, you are responsible for charges made  will also remain liable for any use of any Card(s) not returned  from the date they are posted to your account. Interest charge  for returns or adjustments and they will do so by issuing this 
 by yourself, your spouse and minor children. You are also  to us. If your account is suspended, it will not be returned to  (interest) is calculated by applying a periodic rate to the average  credit to your account. You should retain a copy of this credit 
 responsible for charges made by anyone else to whom you  ac? ve status un? l we speci? cally inform you, regardless of your  daily principal balances of purchases and cash advances on  slip un? l you verify the pos? ng of the credit to your account 
 give the card, and this responsibility con?nues un? l the card is  receipt of any monthly statement. the account. The principal balances of purchases and cash  on a monthly billing statement. If your credits or any payments 
 recovered. You cannot disclaim responsibility by no?fying us,  advances are determined each day during the statement  exceed what you owe us, we will apply this credit balance against 
 but we will close the account for new transac? ons if you so  CREDIT INFORMATION period, beginning with the principal por? on of your Previous  future purchases and cash advances, or if it is $1 or more, we 
 request and return all cards. Your obliga? on to pay the account  Balances, reduced by payments you make and credits we apply  will refund it upon your wri? en request or automa?cally a? er 
  You authorize us to inves? gate your credit standing when 
 balance con? nues even though an agreement, divorce decree  and increased by purchases and cash advances you make and  6 months.
  opening, renewing or reviewing your account, and you 
 or other court judgment to which we are not a party may direct  debit adjustments. The daily principal balances for purchases 
  authorize us to disclose informa? on regarding your account to 
 you or one of the other persons responsible to pay the account.  and cash advances are totaled, and divided by the number of 
  credit bureaus and other creditors who inquire of us about your                FOREIGN TRANSACTIONS
 Any person using the card is jointly and individually responsible  days in the statement period, to produce separate average daily 
  credit standing. You also understand that our Privacy Policy, as     Purchases and cash advances made in foreign countries will be 
 with you for charges he or she makes, but if that person  principal balances for purchases and cash advances to which 
  may be amended from ?me to ? me, applies to you and your             billed to you in U.S. dollars. The currency conversion rate for 
 signs the card he or she becomes a party to this Agreement  the periodic rate is then applied. The periodic rate that is used 
  account.                                                             interna? onal transac? ons as established by Visa Interna?onal, 
 and is also jointly and individually responsible for all charges  to compute the interest charge is variable, and will change 
                                                                       Inc. is a rate selected by Visa from the range of rates available 
 on the account, including yours. We are not responsible if a  based on changes in an index, which is the highest �Prime Rate� 
            MONTHLY PAYMENT                                            in wholesale currency markets for the applicable central 
 merchant, bank, or ATM refuses to honor your card. Although  as published in the Wall Street Journal as of the ? ? h day before 
                                                                       processing date, which rate may vary from the rate Visa itself 
 you may have credit available, we may not authorize credit for  We will provide you with a billing statement every month  the end of the previous calendar month. We add a margin to 
                                                                       receives, or the government-mandated rate in e? ect for the 
 a par?cular transac? on due to opera?onal di?  cul? es or, in our  showing your previous balances of purchases and cash advances,  the index to obtain the annual percentage rate (APR). The APR 
                                                                       applicable central processing date. In addi? on, you will be 
 discre? on, for any other appropriate reason. the current transac? ons on your account, the remaining credit  is divided by 12 to obtain the periodic rate. The rate will be 
                                                                       charged a Foreign Transac? on Fee of up to 1% of the transac?on 
  available under your credit line, the New Balance of Purchases  adjusted on the ? rst day of each billing cycle. The amount of the 
                                                                       amount for any card transac? on made in a foreign country.
 LOSS OR THEFT OF CARD and Cash Advances, the Total New Balance, the Interest Charge  margin that will apply to your account is based on your credit 
  due to date, any other billed fees, and the Minimum Payment  pro? le and will be provided to you on, or before, you receive 
 You agree to no? fy us immediately, orally or in wri?ng, at 
  required. Every month you must pay at least the Minimum  your card. In addi? on to the interest charge, a cash advance fee  EFFECT OF AGREEMENT
 Sound Credit Union, PO Box 1595, Tacoma, WA 98401 or 
  Payment due. You may pay more frequently, pay more than  (interest charge) equal to 4% of the advance or $10, whichever  We reserve the right to amend the terms of the Agreement at 
 telephone 253.383.2016 or Visa at 800.VISA.911 and advise us 
  the Minimum Payment or pay the New Balance in full. The  is greater, will apply to each cash advance. any ? me as permi? ed by and subject to any limita?ons and 
 of the loss, the?  or unauthorized use of your credit card(s). 
  Minimum Payment will be either (a) 2% of your Total New              no? ce requirements of applicable law. If you do not accept the 
 If you no? fy us of your lost or stolen credit card(s), you will 
  Balance or $25 whichever is greater; or (b) your Total New  DEFAULT  new annual percentage rate, you may pay o?  your balance. 
 not be liable for any losses, unless you were grossly negligent 
  Balance if it is less than $25 plus, (c) any por? on of the Minimum  We may sell or transfer your account and any amounts owed 
 or fraudulent in handling your credit card(s). Otherwise your  You will be in default if you fail to make any minimum payment 
  Payment(s) shown on prior statement(s) which remains unpaid.         on your account to another person at any ? me. If we do, this 
 liability for unauthorized credit card transac? ons may be up  within 25 days a? er your monthly statement closing date. You 
  In addi? on, if at any ? me your Total New Balance exceeds           Agreement will s? ll be in e? ect and any successor will have our 
 to $50.                             will also be in default if your ability to repay us is materially 
  your credit line, you must immediately pay the excess upon           rights in this Agreement to the extent assigned. The Agreement 
                                     reduced by a change in your employment, an increase in your 
  no? ?ca? on. Borrowing the full amount of your credit line may       will be governed by the laws of the state of Washington.
 CREDIT LINE                         obliga? ons, bankruptcy or insolvency proceedings involving 
  result in an increased minimum payment to cover the interest 
                                     you, your death or your failure to abide by this Agreement. 
 The approval of your applica? on will establish a line of credit  due. Payments are posted in the order as follows: The system 
                                     We have the right to demand immediate payment of your full  LIMIT ON ADVANCES
 for you. We will no? fy you of this amount when we issue you  applies payments to the balances outstanding as of the last 
                                     account balance if you default, subject to our giving you any  For advances taken from an ATM, there is a limit for each 
 the card(s). You agree not to let the account balance exceed  statement in the following order:
                                     no? ce required by law. To the extent permi? ed by law, you  transac? on and a $500 daily limit that you may obtain.
 this approved credit line. Each payment you make on the  � Late Charges
                                     will also be required to pay our collec? on expenses, including 
 account will restore your credit line by the amount of the  �  Purchase new interest unpaid (includes insurance interest 
                                     collec? on agency costs, court costs and reasonable a? orneys� fees.
 payment which is applied to the principal. You may request an  unpaid)       SECURITY INTEREST - COLLATERAL
 increase in your credit line by submi?  ng a new applica?on,  �  Cash Advance new interest unpaid You pledge to us and grant us a consensual security interest in 
 which must be approved by Sound Credit Union. You agree that  �  Other Fees (both those that have appeared on a statement  USING THE CARD all joint and individual share and deposit accounts you have 
 we may change this limit at any ? me, and we will no? fy you of  and those posted in the current cycle that have not yet  To make a purchase or cash advance, there are two alterna?ve  with us now and in the future to secure your Visa account. You 
 any such change that is not temporary. You agree not to permit  appeared on a statement) procedures to be followed. One is for you to present the  authorize us to apply the balance in these account(s) to pay any 
 your unpaid balance to exceed your total credit limit. �  Purchase new balance (includes insurance premiums) card to par?cipa? ng Visa plan merchants, to us or to another  amount due to your Visa account if you should default, without 
  �  Cash Advance new balance        ?nancial ins?tu? on which honors Visa, and sign the sales or  further no? ce to you. Addi? onally, any collateral (except your 
  � Promo?onal balances              cash advance dra?  which will iden? fy your card. The other is to  principal dwelling) securing other loans with us in the past and 
  Payments along with your remi? ance stub should be mailed  complete the transac?on by using your Personal Iden? ?ca?on  in the future will also secure your Visa account. This Visa Cardholder Agreement (Agreement) and the Account  CANCELLATION OF YOUR ACCOUNT directly to us so we receive the payment on or before the  Number (PIN) in conjunc? on with an Automated Teller Machine 
 Opening Disclosures accompanying this Agreement will govern  payment due date. Payment shall be made by a check or money  (ATM) which provides access to the Visa system. Sound Credit 
 Cancella?on by You: You may cancel your Account at any ?me 
 your Visa Gold, Blue, Blue Secured and Pla? num Credit Card  order made in U.S. funds or an electronic credit issued by a  Union reserves the right to impose a dollar limit on ATM cash 
 by: (i) returning all Cards to us and (ii) sending us a le? er that 
 and account issued by Sound Credit Union. By having signed  U.S. ?nancial ins?tu? on naming us as payee. Payments will be  advances made within a single day. Your monthly statement 
 you wish to cancel the account. Your Card(s) and le? er should 
 the Visa Credit  Applica? on or signing or using the card, you  credited on the date received. Payments received at the address  will iden? fy the merchant, electronic terminal or ?nancial 
 be addressed to us at our address appearing on your monthly 
 agree to be bound by and perform the terms and condi?ons  shown on your statement on or before 5:00 PM on any business  ins?tu? on at which the transac? ons were made, but sales, 
 statement. 
 of the Visa Cardholder Agreement and Disclosure Statement. day will be credited to your Account as of that date; payments  cash advance, credit or other slips cannot be returned with 
 Cancella? on by Us: By giving you wri? en no? ce we may reduce 
  received by mail at that address a? er 5:00 PM or on a weekend  the statement. You will retain the copy of such slips furnished 
 your credit line from ?me to ? me, or with good cause revoke 
 In this Agreement the words you or your mean each and all of  will be posted to your Account as of the next business day. at the ? me of the transac? on in order to verify the monthly 
 your card and terminate the Agreement. Good cause includes 
 those who apply for the card or who sign this Agreement. Card  statement. Sound Credit Union may make a reasonable charge 
 your failure to comply with the Agreement, or our adverse 
 means the Visa Credit Card and any duplicates and renewals 
 reevalua? on of your creditworthiness. If we cancel your  INTEREST CHARGES for photocopies of slips which you may request. You may not 
 we issue. Account means your Visa Credit Card Line of Credit  use the card or account for any unlawful or illegal transac?on, 
 account you must return all cards immediately to us. Any use of  You can avoid interest charges on purchases by paying the 
 account with us. We, us, and ours mean this Credit Union. and you agree to hold us harmless if you do. We may refuse 
 the Account or Card(s), a? er we have cancelled or suspended  purchase amounts in the New Balance of Purchases each month 
                                     to honor any transac? on that we believe is illegal or unlawful.
 your Account, may be considered fraudulent. within 25 days of your statement closing date. Otherwise, the 
 RESPONSIBILITY You Con? nue to Be Liable: If your Account is terminated,  New Balance of Purchases, and subsequent purchases from the 
 If we issue you a card, you agree to repay all debts and the  cancelled or suspended, each of you will con? nue to be liable  date they are posted to your account, will be subject to interest  RETURNS AND ADJUSTMENTS  
 interest charges arising from the use of the card and the card  for all sums owed on it un? l the Account is paid in full. You  charges. Cash advances are always subject to interest charges  Merchants and others who honor the Card(s) may give credit 
 account. For example, you are responsible for charges made  will also remain liable for any use of any Card(s) not returned  from the date they are posted to your account. Interest charge  for returns or adjustments and they will do so by issuing this 
 by yourself, your spouse and minor children. You are also  to us. If your account is suspended, it will not be returned to  (interest) is calculated by applying a periodic rate to the average  credit to your account. You should retain a copy of this credit 
 responsible for charges made by anyone else to whom you  ac? ve status un? l we speci? cally inform you, regardless of your  daily principal balances of purchases and cash advances on  slip un? l you verify the pos? ng of the credit to your account 
 give the card, and this responsibility con?nues un? l the card is  receipt of any monthly statement. the account. The principal balances of purchases and cash  on a monthly billing statement. If your credits or any payments 
 recovered. You cannot disclaim responsibility by no?fying us,  advances are determined each day during the statement  exceed what you owe us, we will apply this credit balance against 
 but we will close the account for new transac? ons if you so  CREDIT INFORMATION period, beginning with the principal por? on of your Previous  future purchases and cash advances, or if it is $1 or more, we 
 request and return all cards. Your obliga? on to pay the account  Balances, reduced by payments you make and credits we apply  will refund it upon your wri? en request or automa?cally a? er 
 You authorize us to inves? gate your credit standing when 
 balance con? nues even though an agreement, divorce decree  and increased by purchases and cash advances you make and  6 months.
 opening, renewing or reviewing your account, and you 
 or other court judgment to which we are not a party may direct  debit adjustments. The daily principal balances for purchases 
 authorize us to disclose informa? on regarding your account to 
 you or one of the other persons responsible to pay the account.  and cash advances are totaled, and divided by the number of 
 credit bureaus and other creditors who inquire of us about your  FOREIGN TRANSACTIONS
 Any person using the card is jointly and individually responsible  days in the statement period, to produce separate average daily 
 credit standing. You also understand that our Privacy Policy, as  Purchases and cash advances made in foreign countries will be 
 with you for charges he or she makes, but if that person  principal balances for purchases and cash advances to which 
 may be amended from ?me to ? me, applies to you and your  billed to you in U.S. dollars. The currency conversion rate for 
 signs the card he or she becomes a party to this Agreement  the periodic rate is then applied. The periodic rate that is used 
 account.                            interna? onal transac? ons as established by Visa Interna?onal, 
 and is also jointly and individually responsible for all charges  to compute the interest charge is variable, and will change 
                                     Inc. is a rate selected by Visa from the range of rates available 
 on the account, including yours. We are not responsible if a  based on changes in an index, which is the highest �Prime Rate� 
 MONTHLY PAYMENT                     in wholesale currency markets for the applicable central 
 merchant, bank, or ATM refuses to honor your card. Although  as published in the Wall Street Journal as of the ? ? h day before 
                                     processing date, which rate may vary from the rate Visa itself 
 you may have credit available, we may not authorize credit for  We will provide you with a billing statement every month  the end of the previous calendar month. We add a margin to 
                                     receives, or the government-mandated rate in e? ect for the 
 a par?cular transac? on due to opera?onal di?  cul? es or, in our  showing your previous balances of purchases and cash advances,  the index to obtain the annual percentage rate (APR). The APR 
                                     applicable central processing date. In addi? on, you will be 
 discre? on, for any other appropriate reason. the current transac? ons on your account, the remaining credit  is divided by 12 to obtain the periodic rate. The rate will be 
                                     charged a Foreign Transac? on Fee of up to 1% of the transac?on 
 available under your credit line, the New Balance of Purchases  adjusted on the ? rst day of each billing cycle. The amount of the 
                                     amount for any card transac? on made in a foreign country.
 LOSS OR THEFT OF CARD and Cash Advances, the Total New Balance, the Interest Charge  margin that will apply to your account is based on your credit 
 due to date, any other billed fees, and the Minimum Payment  pro? le and will be provided to you on, or before, you receive 
 You agree to no? fy us immediately, orally or in wri?ng, at 
 required. Every month you must pay at least the Minimum  your card. In addi? on to the interest charge, a cash advance fee  EFFECT OF AGREEMENT
 Sound Credit Union, PO Box 1595, Tacoma, WA 98401 or 
 Payment due. You may pay more frequently, pay more than  (interest charge) equal to 4% of the advance or $10, whichever  We reserve the right to amend the terms of the Agreement at 
 telephone 253.383.2016 or Visa at 800.VISA.911 and advise us 
 the Minimum Payment or pay the New Balance in full. The  is greater, will apply to each cash advance. any ? me as permi? ed by and subject to any limita?ons and 
 of the loss, the?  or unauthorized use of your credit card(s). 
 Minimum Payment will be either (a) 2% of your Total New  no? ce requirements of applicable law. If you do not accept the 
 If you no? fy us of your lost or stolen credit card(s), you will 
 Balance or $25 whichever is greater; or (b) your Total New  DEFAULT new annual percentage rate, you may pay o?  your balance. 
 not be liable for any losses, unless you were grossly negligent 
 Balance if it is less than $25 plus, (c) any por? on of the Minimum  We may sell or transfer your account and any amounts owed 
 or fraudulent in handling your credit card(s). Otherwise your  You will be in default if you fail to make any minimum payment 
 Payment(s) shown on prior statement(s) which remains unpaid.  on your account to another person at any ? me. If we do, this 
 liability for unauthorized credit card transac? ons may be up  within 25 days a? er your monthly statement closing date. You 
 In addi? on, if at any ? me your Total New Balance exceeds  Agreement will s? ll be in e? ect and any successor will have our 
 to $50. will also be in default if your ability to repay us is materially 
 your credit line, you must immediately pay the excess upon  rights in this Agreement to the extent assigned. The Agreement 
  reduced by a change in your employment, an increase in your 
 no? ?ca? on. Borrowing the full amount of your credit line may  will be governed by the laws of the state of Washington.
 CREDIT LINE obliga? ons, bankruptcy or insolvency proceedings involving 
 result in an increased minimum payment to cover the interest 
  you, your death or your failure to abide by this Agreement. 
 The approval of your applica? on will establish a line of credit  due. Payments are posted in the order as follows: The system 
  We have the right to demand immediate payment of your full  LIMIT ON ADVANCES
 for you. We will no? fy you of this amount when we issue you  applies payments to the balances outstanding as of the last 
  account balance if you default, subject to our giving you any  For advances taken from an ATM, there is a limit for each 
 the card(s). You agree not to let the account balance exceed  statement in the following order:
  no? ce required by law. To the extent permi? ed by law, you  transac? on and a $500 daily limit that you may obtain.
 this approved credit line. Each payment you make on the  � Late Charges
  will also be required to pay our collec? on expenses, including 
 account will restore your credit line by the amount of the  �  Purchase new interest unpaid (includes insurance interest 
  collec? on agency costs, court costs and reasonable a? orneys� fees.
 payment which is applied to the principal. You may request an  unpaid) SECURITY INTEREST - COLLATERAL
 increase in your credit line by submi?  ng a new applica?on,  �  Cash Advance new interest unpaid You pledge to us and grant us a consensual security interest in 
 which must be approved by Sound Credit Union. You agree that  �  Other Fees (both those that have appeared on a statement  USING THE CARD all joint and individual share and deposit accounts you have 
 we may change this limit at any ? me, and we will no? fy you of  and those posted in the current cycle that have not yet  To make a purchase or cash advance, there are two alterna?ve  with us now and in the future to secure your Visa account. You 
 any such change that is not temporary. You agree not to permit  appeared on a statement) procedures to be followed. One is for you to present the  authorize us to apply the balance in these account(s) to pay any 
 your unpaid balance to exceed your total credit limit. �  Purchase new balance (includes insurance premiums) card to par?cipa? ng Visa plan merchants, to us or to another  amount due to your Visa account if you should default, without 
 �  Cash Advance new balance ?nancial ins?tu? on which honors Visa, and sign the sales or  further no? ce to you. Addi? onally, any collateral (except your 
 � Promo?onal balances cash advance dra?  which will iden? fy your card. The other is to  principal dwelling) securing other loans with us in the past and 
 Payments along with your remi? ance stub should be mailed  complete the transac?on by using your Personal Iden? ?ca?on  in the future will also secure your Visa account. This Visa Cardholder Agreement (Agreement) and the Account  CANCELLATION OF YOUR ACCOUNT directly to us so we receive the payment on or before the  Number (PIN) in conjunc? on with an Automated Teller Machine 
 Opening Disclosures accompanying this Agreement will govern  payment due date. Payment shall be made by a check or money  (ATM) which provides access to the Visa system. Sound Credit 
 Cancella?on by You: You may cancel your Account at any ?me 
 your Visa Gold, Blue, Blue Secured and Pla? num Credit Card  order made in U.S. funds or an electronic credit issued by a  Union reserves the right to impose a dollar limit on ATM cash 
 by: (i) returning all Cards to us and (ii) sending us a le? er that 
 and account issued by Sound Credit Union. By having signed  U.S. ?nancial ins?tu? on naming us as payee. Payments will be  advances made within a single day. Your monthly statement 
 you wish to cancel the account. Your Card(s) and le? er should 
 the Visa Credit  Applica? on or signing or using the card, you  credited on the date received. Payments received at the address  will iden? fy the merchant, electronic terminal or ?nancial 
 be addressed to us at our address appearing on your monthly 
 agree to be bound by and perform the terms and condi?ons  shown on your statement on or before 5:00 PM on any business  ins?tu? on at which the transac? ons were made, but sales, 
 statement. 
 of the Visa Cardholder Agreement and Disclosure Statement. day will be credited to your Account as of that date; payments  cash advance, credit or other slips cannot be returned with 
 Cancella? on by Us: By giving you wri? en no? ce we may reduce 
 received by mail at that address a? er 5:00 PM or on a weekend  the statement. You will retain the copy of such slips furnished 
 your credit line from ?me to ? me, or with good cause revoke 
 In this Agreement the words you or your mean each and all of  will be posted to your Account as of the next business day. at the ? me of the transac? on in order to verify the monthly 
 your card and terminate the Agreement. Good cause includes 
 those who apply for the card or who sign this Agreement. Card  statement. Sound Credit Union may make a reasonable charge 
 your failure to comply with the Agreement, or our adverse 
 means the Visa Credit Card and any duplicates and renewals 
 reevalua? on of your creditworthiness. If we cancel your  INTEREST CHARGES for photocopies of slips which you may request. You may not 
 we issue. Account means your Visa Credit Card Line of Credit  use the card or account for any unlawful or illegal transac?on, 
 account you must return all cards immediately to us. Any use of  You can avoid interest charges on purchases by paying the 
 account with us. We, us, and ours mean this Credit Union. and you agree to hold us harmless if you do. We may refuse 
 the Account or Card(s), a? er we have cancelled or suspended  purchase amounts in the New Balance of Purchases each month 
  to honor any transac? on that we believe is illegal or unlawful.
 your Account, may be considered fraudulent. within 25 days of your statement closing date. Otherwise, the 
 RESPONSIBILITY You Con? nue to Be Liable: If your Account is terminated,  New Balance of Purchases, and subsequent purchases from the 
 If we issue you a card, you agree to repay all debts and the  cancelled or suspended, each of you will con? nue to be liable  date they are posted to your account, will be subject to interest  RETURNS AND ADJUSTMENTS  
 interest charges arising from the use of the card and the card  for all sums owed on it un? l the Account is paid in full. You  charges. Cash advances are always subject to interest charges  Merchants and others who honor the Card(s) may give credit 
 account. For example, you are responsible for charges made  will also remain liable for any use of any Card(s) not returned  from the date they are posted to your account. Interest charge  for returns or adjustments and they will do so by issuing this 
 by yourself, your spouse and minor children. You are also  to us. If your account is suspended, it will not be returned to  (interest) is calculated by applying a periodic rate to the average  credit to your account. You should retain a copy of this credit 
 responsible for charges made by anyone else to whom you  ac? ve status un? l we speci? cally inform you, regardless of your  daily principal balances of purchases and cash advances on  slip un? l you verify the pos? ng of the credit to your account 
 give the card, and this responsibility con?nues un? l the card is  receipt of any monthly statement. the account. The principal balances of purchases and cash  on a monthly billing statement. If your credits or any payments 
 recovered. You cannot disclaim responsibility by no?fying us,  advances are determined each day during the statement  exceed what you owe us, we will apply this credit balance against 
 but we will close the account for new transac? ons if you so  CREDIT INFORMATION period, beginning with the principal por? on of your Previous  future purchases and cash advances, or if it is $1 or more, we 
 request and return all cards. Your obliga? on to pay the account  Balances, reduced by payments you make and credits we apply  will refund it upon your wri? en request or automa?cally a? er 
 You authorize us to inves? gate your credit standing when 
 balance con? nues even though an agreement, divorce decree  and increased by purchases and cash advances you make and  6 months.
 opening, renewing or reviewing your account, and you 
 or other court judgment to which we are not a party may direct  debit adjustments. The daily principal balances for purchases 
 authorize us to disclose informa? on regarding your account to 
 you or one of the other persons responsible to pay the account.  and cash advances are totaled, and divided by the number of 
 credit bureaus and other creditors who inquire of us about your  FOREIGN TRANSACTIONS
 Any person using the card is jointly and individually responsible  days in the statement period, to produce separate average daily 
 credit standing. You also understand that our Privacy Policy, as  Purchases and cash advances made in foreign countries will be 
 with you for charges he or she makes, but if that person  principal balances for purchases and cash advances to which 
 may be amended from ?me to ? me, applies to you and your  billed to you in U.S. dollars. The currency conversion rate for 
 signs the card he or she becomes a party to this Agreement  the periodic rate is then applied. The periodic rate that is used 
 account. interna? onal transac? ons as established by Visa Interna?onal, 
 and is also jointly and individually responsible for all charges  to compute the interest charge is variable, and will change 
  Inc. is a rate selected by Visa from the range of rates available 
 on the account, including yours. We are not responsible if a  based on changes in an index, which is the highest �Prime Rate� 
 MONTHLY PAYMENT in wholesale currency markets for the applicable central 
 merchant, bank, or ATM refuses to honor your card. Although  as published in the Wall Street Journal as of the ? ? h day before 
  processing date, which rate may vary from the rate Visa itself 
 you may have credit available, we may not authorize credit for  We will provide you with a billing statement every month  the end of the previous calendar month. We add a margin to 
  receives, or the government-mandated rate in e? ect for the 
 a par?cular transac? on due to opera?onal di?  cul? es or, in our  showing your previous balances of purchases and cash advances,  the index to obtain the annual percentage rate (APR). The APR 
  applicable central processing date. In addi? on, you will be 
 discre? on, for any other appropriate reason. the current transac? ons on your account, the remaining credit  is divided by 12 to obtain the periodic rate. The rate will be 
  charged a Foreign Transac? on Fee of up to 1% of the transac?on 
 available under your credit line, the New Balance of Purchases  adjusted on the ? rst day of each billing cycle. The amount of the 
  amount for any card transac? on made in a foreign country.
 LOSS OR THEFT OF CARD and Cash Advances, the Total New Balance, the Interest Charge  margin that will apply to your account is based on your credit 
 due to date, any other billed fees, and the Minimum Payment  pro? le and will be provided to you on, or before, you receive 
 You agree to no? fy us immediately, orally or in wri?ng, at 
 required. Every month you must pay at least the Minimum  your card. In addi? on to the interest charge, a cash advance fee  EFFECT OF AGREEMENT
 Sound Credit Union, PO Box 1595, Tacoma, WA 98401 or 
 Payment due. You may pay more frequently, pay more than  (interest charge) equal to 4% of the advance or $10, whichever  We reserve the right to amend the terms of the Agreement at 
 telephone 253.383.2016 or Visa at 800.VISA.911 and advise us 
 the Minimum Payment or pay the New Balance in full. The  is greater, will apply to each cash advance. any ? me as permi? ed by and subject to any limita?ons and 
 of the loss, the?  or unauthorized use of your credit card(s). 
 Minimum Payment will be either (a) 2% of your Total New  no? ce requirements of applicable law. If you do not accept the 
 If you no? fy us of your lost or stolen credit card(s), you will 
 Balance or $25 whichever is greater; or (b) your Total New  DEFAULT new annual percentage rate, you may pay o?  your balance. 
 not be liable for any losses, unless you were grossly negligent 
 Balance if it is less than $25 plus, (c) any por? on of the Minimum  We may sell or transfer your account and any amounts owed 
 or fraudulent in handling your credit card(s). Otherwise your  You will be in default if you fail to make any minimum payment 
 Payment(s) shown on prior statement(s) which remains unpaid.  on your account to another person at any ? me. If we do, this 
 liability for unauthorized credit card transac? ons may be up  within 25 days a? er your monthly statement closing date. You 
 In addi? on, if at any ? me your Total New Balance exceeds  Agreement will s? ll be in e? ect and any successor will have our 
 to $50. will also be in default if your ability to repay us is materially 
 your credit line, you must immediately pay the excess upon  rights in this Agreement to the extent assigned. The Agreement 
 reduced by a change in your employment, an increase in your 
 no? ?ca? on. Borrowing the full amount of your credit line may  will be governed by the laws of the state of Washington.
 CREDIT LINE obliga? ons, bankruptcy or insolvency proceedings involving 
 result in an increased minimum payment to cover the interest 
 you, your death or your failure to abide by this Agreement. 
 The approval of your applica? on will establish a line of credit  due. Payments are posted in the order as follows: The system 
 We have the right to demand immediate payment of your full  LIMIT ON ADVANCES
 for you. We will no? fy you of this amount when we issue you  applies payments to the balances outstanding as of the last 
 account balance if you default, subject to our giving you any  For advances taken from an ATM, there is a limit for each 
 the card(s). You agree not to let the account balance exceed  statement in the following order:
 no? ce required by law. To the extent permi? ed by law, you  transac? on and a $500 daily limit that you may obtain.
 this approved credit line. Each payment you make on the  � Late Charges
 will also be required to pay our collec? on expenses, including 
 account will restore your credit line by the amount of the  �  Purchase new interest unpaid (includes insurance interest 
 collec? on agency costs, court costs and reasonable a? orneys� fees.
 payment which is applied to the principal. You may request an  unpaid) SECURITY INTEREST - COLLATERAL
 increase in your credit line by submi?  ng a new applica?on,  �  Cash Advance new interest unpaid You pledge to us and grant us a consensual security interest in 
 which must be approved by Sound Credit Union. You agree that  �  Other Fees (both those that have appeared on a statement  USING THE CARD all joint and individual share and deposit accounts you have 
 we may change this limit at any ? me, and we will no? fy you of  and those posted in the current cycle that have not yet  To make a purchase or cash advance, there are two alterna?ve  with us now and in the future to secure your Visa account. You 
 any such change that is not temporary. You agree not to permit  appeared on a statement) procedures to be followed. One is for you to present the  authorize us to apply the balance in these account(s) to pay any 
 your unpaid balance to exceed your total credit limit. �  Purchase new balance (includes insurance premiums) card to par?cipa? ng Visa plan merchants, to us or to another  amount due to your Visa account if you should default, without 
 �  Cash Advance new balance ?nancial ins?tu? on which honors Visa, and sign the sales or  further no? ce to you. Addi? onally, any collateral (except your 
 � Promo?onal balances cash advance dra?  which will iden? fy your card. The other is to  principal dwelling) securing other loans with us in the past and 
 Payments along with your remi? ance stub should be mailed  complete the transac?on by using your Personal Iden? ?ca?on  in the future will also secure your Visa account.           PLEDGE OF SHARE ACCOUNT   �  At least 3 business days before an automated payment is  with the purchase, contact us in wri? ng at the above address. 
                                        scheduled, if you want to stop payment on the amount  While we inves? gate, the same rules apply to the disputed 
   This paragraph applies only if you have a Visa Blue Secured 
                                        you think is wrong.             amount as discussed above. A? er we ? nish our inves?ga?on, 
   credit card, which requires a separate security agreement. 
                                                                        we will tell you our decision. At that point, if we think you 
   To secure your obliga? on, you grant us a security interest 
                                     You must no? fy us of any poten? al errors in wri? ng. You may  owe an amount and you do not pay, we may report you as 
   in your deposit account under the Visa Blue Secured Pledge 
                                     call us, but if you do, we are not required to inves?gate any  delinquent.
   Form that you have signed. The Visa Blue Secured Pledge 
                                     poten? al errors and you may have to pay the amount in ques? on. 
   Form is incorporated into and made part of this Agreement 
   by this reference.                                                      REWARDS PROGRAM TERMS AND CONDITIONS
                                     What will happen a? er we receive your le? er. When we receive 
                                     your le? er, we must do two things: Pla? num cardholders earn one (1) rewards point for each net  Visa Cardholder
               OTHER FEES            1.  Within 30 days of receiving your le? er, we must tell you  purchase dollar on the card. Merchandise returns and other 
   ANNUAL FEES                          that we received your le? er. We will also tell you if we  non-payment credits will be deducted from accumulated 
                                                                                                             Agreement and
                                        have already corrected the error. rewards points. Purchases do not include cash advances 
   Gold: None
                                                                        (including balance transfers). Rewards points do not accumulate 
   Blue: None                        2.  Within 90 days of receiving your le? er, we must either 
   Blue Secured: None                   correct the error or explain to you why we believe the  for fees or ? nance charges. Sound Credit Union will determine 
                                                                                                             Disclosure
                                                                        what cons? tutes a qualifying purchase.
   Pla?num: None                        bill is correct.
                                                                        Rewards points must be redeemed through the rewards 
   REPLACEMENT CARDS: We will charge your account $5 for  While we inves? gate whether or not there has been an error:
                                     �  We cannot try to collect the amount in ques? on or report  program redemp? on center by going to soundcu.com or calling 
   replacement of a card.                                                                                    Platinum
                                        you as delinquent on that amount. 877.909.1450, or from outside the US or Canada 206.352.3478, 
   DRAFT COPY CHARGES: There is a minimum charge of $6 per  �  The charge in ques? on may remain on your statement, and  collect. Please refer to soundcu.com for complete program  Blue
   copy for each sales dra?  requested. If your request is related  we may con? nue to charge you interest on that amount. rules and details.
   to a billing error and an error is found, we will reverse any copy  �  While you do not have to pay the amount in ques?on,  Blue Secured
                                                                        Any i?nerary modi?ca?ons a? er ?cke? ng are the sole ?nancial
   charges made to your account.        you are responsible for the remainder of your balance.
                                                                        responsibility of the traveler. Travel is based on availability at  Gold
                                     �  We can apply any unpaid amount against your credit limit.
   LATE FEES: Up to $25 when payment is not received by the             the ?me of ?cke? ng. Sound Credit Union is not responsible for 
   due date.                                                            over-sold or sold out ?ights, cancelled ? ights or changed ?ights 
                                     A? er we ? nish our inves?ga? on, one of two things will happen:
                                                                        and assumes no responsibility. Tickets may be purchased for 
   CASH ADVANCE: 4% of advanced amount ($10 minimum). �  If we made the mistake: You will not have to pay the 
                                                                        any individual that the cardholder designates.
                                        amount in ques? on or any interest or other fees related 
   CARD RECOVERY FEES: There is a $65 charge for card recovery  to that amount. Rewards points cannot be used in conjunc? on with any other 
   due to over limit or delinquent accounts. �  If we do not believe there was a mistake: You will have  type of rewards program, promo? on, frequency reward 
                                        to pay the amount in ques? on, along with applicable  program, or coupons.
   COLLECTION FEES: If you fail to comply with this Agreement, 
                                        interest and fees. We will send you a statement of the 
   you will promise to pay our collec? on costs and reasonable 
                                        amount you owe and the date payment is due. We may  Rewards points will expire on the last day of the month, four (4) 
   a? orneys� fees to enforce any provision of this Agreement in 
                                        then report you as delinquent if you do not pay the  years a? er the month they were earned, on a ?rst-in, ?rst-out 
   accordance with state and federal laws.
                                        amount we think you owe.        basis. For example, rewards points earned during January 2014 
                                                                        will expire on February 28, 2018.
   STATEMENT COPY CHARGES: There will be a charge of $2 for 
   each copy requested. The fee will be billed directly to your  If you receive our explana? on but s? ll believe your bill is wrong, 
                                                                        For rewards points to be redeemed the Visa Pla? num account 
   Visa account.                     you must write to us within 10 days telling us that you s?ll 
                                                                        must not be past due or over limit at the ? me the rewards 
                                     refuse to pay. If you do so, we cannot report you as delinquent 
                                                                        points are redeemed. If the Visa Pla? num account is closed by 
   ATM SURCHARGES: If you use an ATM to obtain a cash advance  without also repor? ng that you are ques? oning your bill. We 
                                                                        the cardholder or Sound Credit Union, the cardholder cannot 
   and the ATM is not operated by us, you may be charged an ATM  must tell you the name of anyone to whom we reported you 
                                                                        redeem rewards points. The Credit Union will determine what 
   surcharge by the ATM operator or an ATM network u?lized  as delinquent, and we must let those organiza? ons know when 
                                                                        cons? tutes a closed account.
   for such a transac? on. The ATM surcharge may be charged to  the ma? er has been se? led between us. If we do not follow all 
   your account if you complete the transac? on. You will also be  of the rules above, you do not have to pay the ? rst $50 of the  Rewards points are not the property of the cardholder and 
   charged the normal cash advance fee. amount you ques? on even if your bill is correct. cannot be bought, sold or transferred in any way. Rewards 
                                                                        points have no cash value and cannot be used to pay other 
         YOUR CREDIT CARD BILLING RIGHTS Your Rights If You Are Dissa?s? ed With Your Credit Card  obliga? ons to Sound Credit Union or any other party. No 
                                     Purchases. If you are dissa?s? ed with the goods or services that 
   Keep this document for future use. This no? ce tells you about       cardholder or claimant is en? tled to compensa? on from Sound 
                                     you have purchased with your credit card and you have tried 
   your rights and our responsibili? es under the Fair Credit Billing   Credit Union if rewards points are revoked, terminated or lost.
                                     in good faith to correct the problem with the merchant, you 
   Act.
                                     may have the right not to pay the remaining amount due on the  Sound Credit Union reserves the right to amend the program 
                                     purchase. To use this right, all of the following must be true: at any ?me.
   What to Do If You Find a Mistake on Your Statement. If you 
                                     1.  The purchase must have been made in your home state 
   think there is an error on your statement, write to us at: Sound 
                                        or within 100 miles of your current mailing address, 
   Credit Union, PO Box 1595, Tacoma WA 98401. In your le? er, 
                                        and the purchase price must have been more than $50. 
   give us the following informa?on:
                                        (Note: Neither of these are necessary if your purchase 
   � Account informa?on: Your name and account number.
                                        was based on an adver? sement we mailed to you, or if 
   � Dollar amount: The dollar amount of the suspected 
                                        we own the company that sold you the goods or services.)
      error.
                                     2.  You must have used your credit card for the purchase. 
   � Descrip? on of problem: If you think there is an error on 
                                        Purchases made with cash advances from an ATM or with a 
      your bill, describe what you believe is wrong and why 
                                        check that accesses your credit card account do not qualify.
      you believe it is a mistake.
                                     3.  You must not yet have fully paid for the purchase.
   You must contact us:
   �  Within 60 days a? er the error appeared on your statement. If all of the criteria above are met and you are s? ll dissa?s?ed 
                                                                        OCS Item #15307A           REV 8.14 PLEDGE OF SHARE ACCOUNT �  At least 3 business days before an automated payment is  with the purchase, contact us in wri? ng at the above address. 
     scheduled, if you want to stop payment on the amount  While we inves? gate, the same rules apply to the disputed 
 This paragraph applies only if you have a Visa Blue Secured 
     you think is wrong.             amount as discussed above. A? er we ? nish our inves?ga?on, 
 credit card, which requires a separate security agreement. 
                                     we will tell you our decision. At that point, if we think you 
 To secure your obliga? on, you grant us a security interest 
  You must no? fy us of any poten? al errors in wri? ng. You may  owe an amount and you do not pay, we may report you as 
 in your deposit account under the Visa Blue Secured Pledge 
  call us, but if you do, we are not required to inves?gate any  delinquent.
 Form that you have signed. The Visa Blue Secured Pledge 
  poten? al errors and you may have to pay the amount in ques? on. 
 Form is incorporated into and made part of this Agreement 
 by this reference.                     REWARDS PROGRAM TERMS AND CONDITIONS
  What will happen a? er we receive your le? er. When we receive 
  your le? er, we must do two things: Pla? num cardholders earn one (1) rewards point for each net  Visa Cardholder
 OTHER FEES 1.  Within 30 days of receiving your le? er, we must tell you  purchase dollar on the card. Merchandise returns and other 
 ANNUAL FEES that we received your le? er. We will also tell you if we  non-payment credits will be deducted from accumulated 
                                                                           Agreement and
     have already corrected the error. rewards points. Purchases do not include cash advances 
 Gold: None
                                     (including balance transfers). Rewards points do not accumulate 
 Blue: None 2.  Within 90 days of receiving your le? er, we must either 
 Blue Secured: None correct the error or explain to you why we believe the  for fees or ? nance charges. Sound Credit Union will determine 
                                                                           Disclosure
                                     what cons? tutes a qualifying purchase.
 Pla?num: None bill is correct.
                                     Rewards points must be redeemed through the rewards 
 REPLACEMENT CARDS: We will charge your account $5 for  While we inves? gate whether or not there has been an error:
   �  We cannot try to collect the amount in ques? on or report  program redemp? on center by going to soundcu.com or calling 
 replacement of a card.                                                    Platinum
     you as delinquent on that amount. 877.909.1450, or from outside the US or Canada 206.352.3478, 
 DRAFT COPY CHARGES: There is a minimum charge of $6 per  �  The charge in ques? on may remain on your statement, and  collect. Please refer to soundcu.com for complete program  Blue
 copy for each sales dra?  requested. If your request is related  we may con? nue to charge you interest on that amount. rules and details.
 to a billing error and an error is found, we will reverse any copy  �  While you do not have to pay the amount in ques?on,  Blue Secured
                                     Any i?nerary modi?ca?ons a? er ?cke? ng are the sole ?nancial
 charges made to your account. you are responsible for the remainder of your balance.
                                     responsibility of the traveler. Travel is based on availability at  Gold
   �  We can apply any unpaid amount against your credit limit.
 LATE FEES: Up to $25 when payment is not received by the  the ?me of ?cke? ng. Sound Credit Union is not responsible for 
 due date.                           over-sold or sold out ?ights, cancelled ? ights or changed ?ights 
  A? er we ? nish our inves?ga? on, one of two things will happen:
                                     and assumes no responsibility. Tickets may be purchased for 
 CASH ADVANCE: 4% of advanced amount ($10 minimum). �  If we made the mistake: You will not have to pay the 
                                     any individual that the cardholder designates.
     amount in ques? on or any interest or other fees related 
 CARD RECOVERY FEES: There is a $65 charge for card recovery  to that amount. Rewards points cannot be used in conjunc? on with any other 
 due to over limit or delinquent accounts. �  If we do not believe there was a mistake: You will have  type of rewards program, promo? on, frequency reward 
     to pay the amount in ques? on, along with applicable  program, or coupons.
 COLLECTION FEES: If you fail to comply with this Agreement, 
     interest and fees. We will send you a statement of the 
 you will promise to pay our collec? on costs and reasonable 
     amount you owe and the date payment is due. We may  Rewards points will expire on the last day of the month, four (4) 
 a? orneys� fees to enforce any provision of this Agreement in 
     then report you as delinquent if you do not pay the  years a? er the month they were earned, on a ?rst-in, ?rst-out 
 accordance with state and federal laws.
     amount we think you owe.        basis. For example, rewards points earned during January 2014 
                                     will expire on February 28, 2018.
 STATEMENT COPY CHARGES: There will be a charge of $2 for 
 each copy requested. The fee will be billed directly to your  If you receive our explana? on but s? ll believe your bill is wrong, 
                                     For rewards points to be redeemed the Visa Pla? num account 
 Visa account. you must write to us within 10 days telling us that you s?ll 
                                     must not be past due or over limit at the ? me the rewards 
  refuse to pay. If you do so, we cannot report you as delinquent 
                                     points are redeemed. If the Visa Pla? num account is closed by 
 ATM SURCHARGES: If you use an ATM to obtain a cash advance  without also repor? ng that you are ques? oning your bill. We 
                                     the cardholder or Sound Credit Union, the cardholder cannot 
 and the ATM is not operated by us, you may be charged an ATM  must tell you the name of anyone to whom we reported you 
                                     redeem rewards points. The Credit Union will determine what 
 surcharge by the ATM operator or an ATM network u?lized  as delinquent, and we must let those organiza? ons know when 
                                     cons? tutes a closed account.
 for such a transac? on. The ATM surcharge may be charged to  the ma? er has been se? led between us. If we do not follow all 
 your account if you complete the transac? on. You will also be  of the rules above, you do not have to pay the ? rst $50 of the  Rewards points are not the property of the cardholder and 
 charged the normal cash advance fee. amount you ques? on even if your bill is correct. cannot be bought, sold or transferred in any way. Rewards 
                                     points have no cash value and cannot be used to pay other 
 YOUR CREDIT CARD BILLING RIGHTS Your Rights If You Are Dissa?s? ed With Your Credit Card  obliga? ons to Sound Credit Union or any other party. No 
  Purchases. If you are dissa?s? ed with the goods or services that 
 Keep this document for future use. This no? ce tells you about  cardholder or claimant is en? tled to compensa? on from Sound 
  you have purchased with your credit card and you have tried 
 your rights and our responsibili? es under the Fair Credit Billing  Credit Union if rewards points are revoked, terminated or lost.
  in good faith to correct the problem with the merchant, you 
 Act.
  may have the right not to pay the remaining amount due on the  Sound Credit Union reserves the right to amend the program 
  purchase. To use this right, all of the following must be true: at any ?me.
 What to Do If You Find a Mistake on Your Statement. If you 
   1.  The purchase must have been made in your home state 
 think there is an error on your statement, write to us at: Sound 
     or within 100 miles of your current mailing address, 
 Credit Union, PO Box 1595, Tacoma WA 98401. In your le? er, 
     and the purchase price must have been more than $50. 
 give us the following informa?on:
     (Note: Neither of these are necessary if your purchase 
 � Account informa?on: Your name and account number.
     was based on an adver? sement we mailed to you, or if 
 � Dollar amount: The dollar amount of the suspected 
     we own the company that sold you the goods or services.)
 error.
   2.  You must have used your credit card for the purchase. 
 � Descrip? on of problem: If you think there is an error on 
     Purchases made with cash advances from an ATM or with a 
 your bill, describe what you believe is wrong and why 
     check that accesses your credit card account do not qualify.
 you believe it is a mistake.
   3.  You must not yet have fully paid for the purchase.
 You must contact us:
 �  Within 60 days a? er the error appeared on your statement. If all of the criteria above are met and you are s? ll dissa?s?ed 
                                     OCS Item #15307A            REV 8.14 PLEDGE OF SHARE ACCOUNT �  At least 3 business days before an automated payment is  with the purchase, contact us in wri? ng at the above address. 
 scheduled, if you want to stop payment on the amount  While we inves? gate, the same rules apply to the disputed 
 This paragraph applies only if you have a Visa Blue Secured 
 you think is wrong. amount as discussed above. A? er we ? nish our inves?ga?on, 
 credit card, which requires a separate security agreement. 
  we will tell you our decision. At that point, if we think you 
 To secure your obliga? on, you grant us a security interest 
 You must no? fy us of any poten? al errors in wri? ng. You may  owe an amount and you do not pay, we may report you as 
 in your deposit account under the Visa Blue Secured Pledge 
 call us, but if you do, we are not required to inves?gate any  delinquent.
 Form that you have signed. The Visa Blue Secured Pledge 
 poten? al errors and you may have to pay the amount in ques? on. 
 Form is incorporated into and made part of this Agreement 
 by this reference. REWARDS PROGRAM TERMS AND CONDITIONS
 What will happen a? er we receive your le? er. When we receive 
 your le? er, we must do two things: Pla? num cardholders earn one (1) rewards point for each net  Visa Cardholder
 OTHER FEES 1.  Within 30 days of receiving your le? er, we must tell you  purchase dollar on the card. Merchandise returns and other 
 ANNUAL FEES that we received your le? er. We will also tell you if we  non-payment credits will be deducted from accumulated 
                                        Agreement and
 have already corrected the error. rewards points. Purchases do not include cash advances 
 Gold: None
  (including balance transfers). Rewards points do not accumulate 
 Blue: None 2.  Within 90 days of receiving your le? er, we must either 
 Blue Secured: None correct the error or explain to you why we believe the  for fees or ? nance charges. Sound Credit Union will determine 
                                        Disclosure
  what cons? tutes a qualifying purchase.
 Pla?num: None bill is correct.
  Rewards points must be redeemed through the rewards 
 REPLACEMENT CARDS: We will charge your account $5 for  While we inves? gate whether or not there has been an error:
 �  We cannot try to collect the amount in ques? on or report  program redemp? on center by going to soundcu.com or calling 
 replacement of a card.                 Platinum
 you as delinquent on that amount. 877.909.1450, or from outside the US or Canada 206.352.3478, 
 DRAFT COPY CHARGES: There is a minimum charge of $6 per  �  The charge in ques? on may remain on your statement, and  collect. Please refer to soundcu.com for complete program  Blue
 copy for each sales dra?  requested. If your request is related  we may con? nue to charge you interest on that amount. rules and details.
 to a billing error and an error is found, we will reverse any copy  �  While you do not have to pay the amount in ques?on,  Blue Secured
  Any i?nerary modi?ca?ons a? er ?cke? ng are the sole ?nancial
 charges made to your account. you are responsible for the remainder of your balance.
  responsibility of the traveler. Travel is based on availability at  Gold
 �  We can apply any unpaid amount against your credit limit.
 LATE FEES: Up to $25 when payment is not received by the  the ?me of ?cke? ng. Sound Credit Union is not responsible for 
 due date. over-sold or sold out ?ights, cancelled ? ights or changed ?ights 
 A? er we ? nish our inves?ga? on, one of two things will happen:
  and assumes no responsibility. Tickets may be purchased for 
 CASH ADVANCE: 4% of advanced amount ($10 minimum). �  If we made the mistake: You will not have to pay the 
  any individual that the cardholder designates.
 amount in ques? on or any interest or other fees related 
 CARD RECOVERY FEES: There is a $65 charge for card recovery  to that amount. Rewards points cannot be used in conjunc? on with any other 
 due to over limit or delinquent accounts. �  If we do not believe there was a mistake: You will have  type of rewards program, promo? on, frequency reward 
 to pay the amount in ques? on, along with applicable  program, or coupons.
 COLLECTION FEES: If you fail to comply with this Agreement, 
 interest and fees. We will send you a statement of the 
 you will promise to pay our collec? on costs and reasonable 
 amount you owe and the date payment is due. We may  Rewards points will expire on the last day of the month, four (4) 
 a? orneys� fees to enforce any provision of this Agreement in 
 then report you as delinquent if you do not pay the  years a? er the month they were earned, on a ?rst-in, ?rst-out 
 accordance with state and federal laws.
 amount we think you owe. basis. For example, rewards points earned during January 2014 
  will expire on February 28, 2018.
 STATEMENT COPY CHARGES: There will be a charge of $2 for 
 each copy requested. The fee will be billed directly to your  If you receive our explana? on but s? ll believe your bill is wrong, 
  For rewards points to be redeemed the Visa Pla? num account 
 Visa account. you must write to us within 10 days telling us that you s?ll 
  must not be past due or over limit at the ? me the rewards 
 refuse to pay. If you do so, we cannot report you as delinquent 
  points are redeemed. If the Visa Pla? num account is closed by 
 ATM SURCHARGES: If you use an ATM to obtain a cash advance  without also repor? ng that you are ques? oning your bill. We 
  the cardholder or Sound Credit Union, the cardholder cannot 
 and the ATM is not operated by us, you may be charged an ATM  must tell you the name of anyone to whom we reported you 
  redeem rewards points. The Credit Union will determine what 
 surcharge by the ATM operator or an ATM network u?lized  as delinquent, and we must let those organiza? ons know when 
  cons? tutes a closed account.
 for such a transac? on. The ATM surcharge may be charged to  the ma? er has been se? led between us. If we do not follow all 
 your account if you complete the transac? on. You will also be  of the rules above, you do not have to pay the ? rst $50 of the  Rewards points are not the property of the cardholder and 
 charged the normal cash advance fee. amount you ques? on even if your bill is correct. cannot be bought, sold or transferred in any way. Rewards 
  points have no cash value and cannot be used to pay other 
 YOUR CREDIT CARD BILLING RIGHTS Your Rights If You Are Dissa?s? ed With Your Credit Card  obliga? ons to Sound Credit Union or any other party. No 
 Purchases. If you are dissa?s? ed with the goods or services that 
 Keep this document for future use. This no? ce tells you about  cardholder or claimant is en? tled to compensa? on from Sound 
 you have purchased with your credit card and you have tried 
 your rights and our responsibili? es under the Fair Credit Billing  Credit Union if rewards points are revoked, terminated or lost.
 in good faith to correct the problem with the merchant, you 
 Act.
 may have the right not to pay the remaining amount due on the  Sound Credit Union reserves the right to amend the program 
 purchase. To use this right, all of the following must be true: at any ?me.
 What to Do If You Find a Mistake on Your Statement. If you 
 1.  The purchase must have been made in your home state 
 think there is an error on your statement, write to us at: Sound 
 or within 100 miles of your current mailing address, 
 Credit Union, PO Box 1595, Tacoma WA 98401. In your le? er, 
 and the purchase price must have been more than $50. 
 give us the following informa?on:
 (Note: Neither of these are necessary if your purchase 
 � Account informa?on: Your name and account number.
 was based on an adver? sement we mailed to you, or if 
 � Dollar amount: The dollar amount of the suspected 
 we own the company that sold you the goods or services.)
 error.
 2.  You must have used your credit card for the purchase. 
 � Descrip? on of problem: If you think there is an error on 
 Purchases made with cash advances from an ATM or with a 
 your bill, describe what you believe is wrong and why 
 check that accesses your credit card account do not qualify.
 you believe it is a mistake.
 3.  You must not yet have fully paid for the purchase.
 You must contact us:
 �  Within 60 days a? er the error appeared on your statement. If all of the criteria above are met and you are s? ll dissa?s?ed 
  OCS Item #15307A            REV 8.14