IMPORTANT CREDIT CARD DISCLOSURES. The following disclosure represents important details concerning Your Credit 
Card. The information about costs of the Card are accurate as of the effective date of ____________________. You can call 
Us at (800) 334-2489 or write Us at P.O. Box 780, Seattle, WA 98111-0780 to inquire if any changes have occurred since the 
effective date. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

_______% - _______% when You open Your Account, based on Your 
creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

APR For Balance Transfers 

_______% - _______% when You open Your Account, based on Your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

APR For Cash Advances 

_______% - _______% when You open Your Account, based on Your creditworthiness. 

This APR will vary with the market based on the Prime Rate. 

Penalty APR And When it 
Applies 

_______% 

This APR may be applied to Your Account if You: 
1)  Make a late payment. 

How  Long  Will  The  Penalty  APR  Apply?  If  Your  APRs  are  increased  for this reason, 
the Penalty APR will apply indefinitely unless 6 consecutive payments are received on or 
before the due date. 

How to Avoid Paying 
Interest On Purchases 

Your due date is at least 25 days after the close of each billing cycle. We will not charge You 
interest on purchases if You pay Your entire balance by the due date each month.  

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a Credit Card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Transaction Fees 

•  Cash Advance 
•  Foreign Transaction 

3.00% of each cash advance ($10.00 minimum). 
1.00% of each foreign currency transaction in U.S. dollars. 
0.80% of each U.S. Dollar transaction that occurs in a foreign country. 

Penalty Fees 

•  Returned Payment 
•  Late Payment 

Up to $25.00  
Up to $25.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).”  

Copyright Oak Tree Business Systems, Inc., 2012-2014. All Rights Reserved.                          

                        OTBS 054 SEAT (1/14) 

02/05/20167.2417.997.2417.997.2417.9917.99        
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
     
DEFINITIONS. In this Agreement, the reference to "We", "Us", "Our" and "Credit Union" mean SEATTLE METROPOLITAN CREDIT UNION. The words "You" and "Your" 
mean each person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA Platinum or 
VISA Platinum Secured Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the VISA Platinum or VISA Platinum Secured Credit 
Card Account established for You under this Agreement. "Convenience Check" means the special Account access devices that We may provide for Your use from time to 
time. If this is a joint Account, read singular pronouns in the plural. 

PROMISE TO PAY. You understand that the following terms and conditions constitute Our Agreement with You. You may request advances on Your Account through a 
variety of means which could include (but may not be limited to) telephonic requests, Convenience Checks, Credit Cards and the like. Regardless of the means by which 
any  advance  is  made,  You  promise  to  pay  Us  all  amounts  charged  to  Your  Account  by  You  or  by  any  user  who  has  access  to  Your  Account,  with  actual,  apparent  or 
implied authority for use of Your Account, including Finance Charges and other fees or charges described herein. 

Credit Card 

Variable Rate 

Margin 

Index 

Monthly Periodic 
Rate 

Annual Percentage 
Rate 

VISA Platinum  

________ 

________ 

______________% 

______________% 

VISA Platinum Secured  

________ 

________ 

______________% 

______________% 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
place  that  it  is  honored  and  to  get  cash  advances  at  participating  financial 
institutions.  You  agree  not  to  use  Your  Card  for  illegal  transactions  including,  but 
not limited to, advances made for the purpose of gambling and/or wagering where 
such practices are in violation of applicable state and/or federal law. 

SECURITY.  Collateral  (other  than  household  goods  or  any  dwelling)  given  as 
security  under  any  other  loan  You  may  have  with  Us  will  secure  all  amounts  You 
owe  Us  now  and  in  the  future  if  that  status  is  reflected  in  the  "Truth-in-Lending 
Disclosure" in any particular Agreement evidencing such debt.      

CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your 
shares with Us (except for IRA and Keogh accounts) and any dividends due 
or  to  become  due  to  You  from  Us  to  the  extent  You  owe  on  any  unpaid 
Credit Card balance. 

ACCOUNT  RESTRICTIONS.  In  order  to  receive  and  maintain  a  VISA  Platinum 
Secured  Credit  Card,  You  agree  to  give  Us  a  specific  pledge  of  shares  which  will 
equal  Your  Credit  Limit.  In  the  event  that  You  default  on  Your  Account,  We  may 
apply  these  shares  toward  the  repayment  of  any  amount  owed  on  Your  VISA 
Platinum  Secured  Credit  Card.  You  may  cancel  Your  VISA  Platinum  Secured 
Credit  Card  at  any  time  by  paying  any  amounts  owed  on  such  Account.  To  be 
certain  that  Your  entire  balance  and  all  advances  are  paid,  any  shares  pledged 
may  not  be  available  to  You  for  30  days  after  You  have  cancelled  and  any 
outstanding balance is paid in full. 

LINE  OF  CREDIT  LIMITS.  You  will  be  notified  of  each  specific  Credit  Limit  for 
which  You  are  approved.  Unless  You  are  in  default,  the  Credit  Limits  established 
for You will generally be self-replenishing as You make payments. 

You will keep Your unpaid balance within Your Credit Limit set by Us, and You will 
pay  any  amount  over  Your  Credit  Limit  on  Our  demand  whether  or  not  We 
authorize  the  advances  which  caused  You  to  exceed  Your  Credit  Limit.  Even  if 
Your unpaid balance is less than Your Credit Limit, You will have no credit available 
during any time that any aspect of Your Account is in default. 

JOINT  ACCOUNTS.  Each  Borrower  will  be  responsible,  jointly  and  severally,  for 
the  repayment  of  any  amounts  owed.  If  any  Account  access  device,  such  as  a 
Personal  Identification  Number  (PIN)  is  requested  and  approved,  You  understand 
that any such Account access device(s) will be mailed only to the primary Borrower 
at  the  address  that  We  have  on  file  for  You.  We  may  refuse  to  follow  any 
instructions which run counter to this provision. 

MINIMUM  MONTHLY  PAYMENTS  (PAYMENT  SCHEDULE).  Though  You  need 
only pay the Minimum Monthly Payments, You understand that You have the right 
to  repay  at  any  time  without  penalty.  You  also  understand  that  You  will  only  be 
charged periodic Finance Charges to the date You repay Your entire balance. You 
may make larger payments without penalty. Any partial payment or prepayment will 
not  delay  Your  next  scheduled  payment.  All  payments  to  Us  must  be  in  lawful 
money of the United States. Except as required by law, We may apply payments at 
Our  discretion.  Any  unpaid  portion  of  the  Finance  Charge  will  be  paid  by 
subsequent  payments  and  will  not  be  added  to  Your  principal  balance.  You 
understand  that  any  delay  in  the  repayment  of  Your  unpaid  balance  will  increase 
Your  periodic  Finance  Charges  and  any  acceleration  in  the  repayment  of  Your 
unpaid balance will decrease Your periodic Finance Charges. 

Minimum Payments will be an amount equal to 3.00% of Your new unpaid Account 
balance  at  the  end  of  each  billing  cycle,  subject  to  the  lesser  of  $25.00  or  Your 
balance,  plus  any  portion  of  the  Minimum  Payments  shown  on  prior  statement(s) 
which remains unpaid, plus any amount that exceeds Your approved Credit Limit. 

You may, by separate agreement, authorize Us to charge Your payment directly to 
Your share or share draft account. 

FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Account,  the 
balances subject to the periodic Finance Charge are the average daily transactions 
balances  outstanding  during  the  month  (including  new  transactions).  To  get  the 
average daily balance, We take the beginning balance of Your Account each day, 
add  any  new  purchases,  balance  transfers,  cash  advances,  insurance  premiums, 
debit adjustments or other charges and subtract any payments, credits and unpaid 
Finance  Charges.  This  gives  Us  the  daily  balance.  Then,  We  add  up  all  the  daily 
balances  for  the  billing  cycle  and  divide  them  by  the  number  of days in the billing 
cycle.  The  Finance  Charge  for  a  billing  cycle  is  computed  by  multiplying  the 
average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 

You  can  avoid  Finance  Charges  on  purchases  by  paying  the  full  amount  of  the 
entire  balance  owed  each  month  within  25  days  of  Your  statement  closing  date. 
Otherwise,  the  new  balance  of  purchases,  and  subsequent  purchases  from  the 
date  they  are  posted  to  Your  Account,  will  be  subject  to  a  Finance  Charge.  Cash 
advances  and  balance  transfers are always subject to a Finance Charge from the 
later of the date they are posted to Your Account or from the first day of the billing 
cycle in which the transaction is posted to Your Account. 

VARIABLE RATE. All advances are subject to a Variable Rate which is based on 
the  highest  Prime  Rate  as  published  in  the  Money  Rates  section  in  effect  on  the 
15th  calendar  day  of  each  month  ("Index")  plus  Our  Margin.  The  Index  plus  the 
Margin  equals  the  Interest  Rate.  Changes  in  the  Index  will  cause  changes  in  the 
Interest Rate on the 1st day of the billing cycle that immediately follows a change in 
the Index. Increases or decreases in the Interest Rate will cause like increases or 
decreases  in  the  Finance  Charge  and  will  affect  the  number  of  Your  regularly 
scheduled payments. Your Interest Rate will never be greater than 17.99% and will 
apply to Your remaining principal balance. 

LATE  CHARGE.  If  Your  payment  is  1  or  more  days  late,  You  will  be  charged  the 
lesser of: (a) $25.00; or (b) the amount of the minimum payment due.  

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries and 
foreign  currencies,  the  exchange  rate  between  the  transaction currency  and  the 
billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of 
rates available in wholesale currency markets for the applicable central processing 
date, which rate may vary from the rate VISA itself receives; or (b) the government-
mandated rate in effect for the applicable central processing date. For transactions 
that  are  initiated  in  a  foreign  currency,  You  will  be  charged  1.00%  of  the  final 
settlement  amount.   For  transactions occurring in foreign countries and initiated in 
U.S. Dollars, You will be charged 0.80% of the final settlement amount. 

OTHER FEES AND CHARGES. You will be charged the following fees associated 
with  the  use  of  Your  Card:  (a)  the  lesser  of  $25.00  or  the  required  minimum 
payment  amount  for  the  returned  payment  for  any  check  (or  other  negotiable 
instrument  used  for  payment)  which  is  returned  unpaid;  (b)  a  cash  advance  fee 
FINANCE CHARGE equal to the greater of $10.00 or 3.00% of each advance; (c) $5.00 
for each replacement Card You request; (d) $20.00 each time You request a Card 
be delivered to one of Our branch locations; and (e) $25.00 each time You request 
that a Card or PIN be delivered on an expedited basis. 

PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement 
showing  all  transactions  on  Your  Account  including  amounts  paid  and  borrowed 
since Your last statement. We will mail You a statement each month in which there 
is  a  debit  or  credit  balance  or  when  a  Finance  Charge  is  imposed.  We  need  not 
send You a statement if We feel Your Account is uncollectible or if We have started 
collection proceedings against You because You defaulted. EACH STATEMENT IS 

Copyright Oak Tree Business Systems, Inc., 2013. All Rights Reserved.                          

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DEEMED  TO  BE  A  CORRECT  STATEMENT  OF  ACCOUNT  UNLESS  YOU 
ESTABLISH  A  BILLING  ERROR  PURSUANT  TO  THE  FEDERAL  TRUTH-IN-
LENDING ACT.  

OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
time  without  notice.  You  agree  to  surrender  Your  Card  and  to  discontinue  its  use 
immediately upon Our request. 

OUR  RESPONSIBILITIES  TO  HONOR  CONVENIENCE  CHECKS.  We  are  under 
no  obligation  to  honor  Your  Convenience  Checks  if:  (1)  by  paying  a  Convenience 
Check,  You  would  exceed  Your  Credit  Limit;  (2)  Your  Cards  or  Convenience 
Checks have been reported lost or stolen; (3) Your Account has been cancelled or 
has expired; or (4) Your Account has not been activated. If a postdated Convenience 
Check  is  paid  and,  as  a  result,  any  other  Convenience  Check  is  returned  unpaid, 
We are not responsible for any resulting loss or liability. 

ISSUANCE  OF  A  PERSONAL  IDENTIFICATION  NUMBER.  We  will  issue,  upon 
Your  request,  a  Personal  Identification  Number  (PIN)  for  use  with  participating 
Automated  Teller  Machines  (ATMs).  This  PIN  is  confidential  and  should  not  be 
disclosed to anyone. You may use Your PIN to access Your Account and all sums 
advanced  will  be  added  to  Your  Account  balance.  In  the  event  a use of Your PIN 
constitutes  an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your 
Electronic Fund Transfer Agreement may also affect Your rights.  

DEFAULT.  You  will  be  in  default  if:  (a)  You  do  not  make any payment or perform 
any  obligation  under  this  Agreement,  or  any  other  agreement  that  You  may  have 
with Us; or (b) You should die, become involved in any insolvency, receivership or 
custodial  proceeding  brought  by  or  against  You;  or  (c)  You  have  made  a  false  or 
misleading  statement  in  Your  credit  application  and/or  in  Your  representations  to 
Us while You owe money on Your Account; or (d) A judgment or tax lien should be 
filed against You or any attachment or garnishment should be issued against any of 
Your  property  or  rights,  specifically  including  anyone  starting  an  action  or 
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in 
good faith, believe Your ability to repay Your indebtedness hereunder is or soon will 
be impaired, time being of the very essence. 

Upon  any  occurrence  of  default,  We  may,  to  the  extent  permitted  by  law,  cancel 
Your  rights  under  this  Agreement,  require  the  return  of  all  access  devices  and 
declare the entire balance of every Feature Category of Your Account immediately 
due and payable, without prior notice or demand  

COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
payment on this Account, to the extent permitted by law, You agree to pay all court 
costs,  private  process  server  fees,  investigation  fees  or  other  costs  incurred  in 
collection  and  reasonable  attorneys’  fees  incurred  in  the  course  of  collecting  any 
amounts owed under this Agreement or in the recovery of any Collateral. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
We  delay  enforcing  them.  We  can  accept  late  payments,  partial  payments  or  any 
other  payments,  even  if  they  are  marked  "paid  in  full"  without  losing  any  of  Our 
rights  under  this  Agreement.  If  any  provision  of  this  or  any  related  agreement  is 
determined  to  be  unenforceable  or  invalid,  all  other  provisions  remain  in  full  force 
and effect. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
or otherwise have a change of address. 

CHANGE  IN  TERMS.  We  may  change  the  terms  of  this  Agreement  by  mailing  or 
delivering to You written notice of the changes as prescribed by the Federal Truth-
In-Lending Act. To the extent permitted by law, the right to change the terms of this 
Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the  periodic  rate 
applicable to Your unpaid balance and/or future advances. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of 
credit  under  this  Agreement.  However,  You  may  purchase  any  credit  insurance 
available  through  Us  and  have  the  premiums  added  to  Your  outstanding 
balance.  If  You  elect  to  do  so,  You will be given the necessary disclosures and 
documents separately. 

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
slips You may sign or receive when using Your Card contain terms, this Agreement 
is the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED  USE.  You may be liable for the unauthorized use of Your Card. 
You will not be liable for the unauthorized use that occurs after You notify Us of the 
loss,  theft,  or  possible  unauthorized  use  by  calling  Us  at  (866)  820-4930  or  by 
writing to Us at P.O. Box 780, Seattle, WA 98111-0780. In any case, Your liability 
will not exceed $50. 

REFUSAL  TO  HONOR  CARDS  OR  CONVENIENCE  CHECKS.  We  are  not 
liable for the refusal or inability of merchants, financial institutions and others 
to  accept  the  Cards  or  Convenience  Checks,  or  electronic  terminals  to  honor 
the Cards or complete a Card withdrawal, or for their retention of the Cards or 
Convenience Checks. 

TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant, 
electronic  terminal  or  financial  institution  at  which  transactions  were  made,  but 
sales, cash advances, credit or other slips cannot be returned with the statement. 

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
or Convenience Checks, You will immediately call Us at (866) 820-4930 or write to 
Us at P.O. Box 780, Seattle, WA 98111-0780.  

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments,  they  will  do  so  by  sending  Us  a  slip  which  will  be  posted  to  Your 
Account. If Your credits and payments exceed what You owe Us, We will hold and 
apply  this  credit  against  future  purchases  and  cash  advances,  or  if  it  is  $1.00  or 
more  refund  it  on  Your  written  request  or  automatically  deposit  it  to  Your  share 
account after 6 months.   

GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
State  of  Washington,  except  to  the  extent  that  such  laws  are  inconsistent  with 
controlling federal law. 

Your Billing Rights: Keep this Document for Future Use 

This notice tells You about Your rights and Our responsibilities under the Fair 
Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If You think there is an error on Your statement, write to Us at Our address shown 
in this Agreement. In Your letter, give us the following information: 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
Disclosure  -  Federal  Truth-In-Lending  Act",  which  is  delivered  together  with this 
Agreement  or  at  a  later  date  becomes  an  integrated  part  of  this  Agreement 
and Disclosure. 

• 
• 
• 

Account information: Your name and Account number. 
Dollar amount: The dollar amount of the suspected error. 
Description  of  problem:  If  You  think  there  is  an  error  on  Your  bill,  describe 
what You believe is wrong and why You believe it is a mistake. 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement.  By  signing  the  application;  or  by  using  Your  Account  or  any  Account 
access  device;  or  by  authorizing  another  to  use  Your  Account,  You  agree  to  and 
accept its terms. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
to  update  information  contained  in  Your  original  Account  application  or  other 
financial  information  related  to  You, at Our request. You also agree that We may, 
from  time  to  time,  as  We  deem  necessary,  make  inquiries  pertaining  to  Your 
employment,  credit  standing  and  financial  responsibility  in  accordance  with 
applicable  laws  and  regulations.  You  further  agree  that  We  may  give  information 
about the status and payment history of Your Account to consumer credit reporting 
agencies, a prospective employer or insurer, or a state or federal licensing agency 
having any apparent legitimate business need for such information.  

TERMINATION.  Either  You or We may cancel Your Account at any time, whether 
or  not  You  are  in  default.  You  will,  in  any  case,  remain  liable  to  pay  any  unpaid 
balances according to the terms of Your Account. 

You must contact Us: 

•  Within 60 days after the error appeared on Your statement. 
• 

At  least  3  business  days  before  an  automated  payment  is  scheduled,  if  You 
want to stop payment on the amount You think is wrong. 

You must notify Us of any potential errors in writing. You may call Us, but if You do 
We  are  not  required  to  investigate  any  potential  errors  and  You  may  have  to  pay 
the amount in question. 

What Will Happen After We Receive Your Letter 

When We receive Your letter, We must do two things: 

1)  Within  30  days  of  receiving  Your  letter,  We  must  tell  You  that  We  received 
Your letter. We will also tell You if We have already corrected the error. 
2)  Within  90  days  of  receiving  Your  letter,  We  must  either  correct  the  error  or 

explain to You why We believe the bill is correct. 

Copyright Oak Tree Business Systems, Inc., 2013. All Rights Reserved.                          

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While We investigate whether or not there has been an error: 

•  We  cannot  try  to  collect  the amount in question, or report You as delinquent 

above, You do not have to pay the first $50 of the amount You question even 
if Your bill is correct. 

• 

on that amount. 
The charge in question may remain on Your statement, and We may continue 
to charge You interest on that amount. 

•  While You do not have to pay the amount in question, You are responsible for 

the remainder of Your balance. 

•  We can apply any unpaid amount against Your Credit Limit. 

After We finish Our investigation, one of two things will happen: 

• 

• 

If We made a mistake: You will not have to pay the amount in question or any 
interest or other fees related to that amount. 
If  We  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the 
amount in question, along with applicable interest and fees. We will send 
You  a  statement  of  the  amount  You  owe  and  the  date  payment  is  due. 
We may then report You as delinquent if You do not pay the amount We 
think You owe. 

If  You  receive  Our  explanation  but  still  believe  Your  bill  is  wrong,  You  must 
write to Us within 10 days telling Us that You still refuse to pay. If You do so, 
We  cannot  report  You  as  delinquent  without  also  reporting  that  You  are 
questioning  Your  bill.  We  must  tell  You  the  name  of  anyone  to  whom  we 
reported  You  as  delinquent,  and  We  must  let  those  organizations  know  when 
the  matter  has  been  settled  between  Us.  If  We  do  not  follow  all  of  the  rules 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If  You  are  dissatisfied  with  the  goods  or  services  that  You  have  purchased  with 
Your Credit Card, and You have tried in good faith to correct the problem with the 
merchant,  You  may  have  the  right  not  to  pay  the  remaining  amount  due  on  the 
purchase. To use this right, all of the following must be true: 

1)  The  purchase  must  have been made in Your home state or within 100 miles 
of  Your  current  mailing  address,  and  the  purchase  price  must  have  been 
more  than  $50.  (Note:  Neither  of  these  are  necessary  if  Your  purchase  was 
based on an advertisement We mailed to You, or if We own the company that 
sold You the goods or services.) 

2)  You must have used Your Credit Card for the purchase. Purchases made with 
cash advances from an ATM or with a check that accesses Your Credit Card 
account do not qualify. 

3)  You must not yet have fully paid for the purchase.  

If  all  of  the  criteria  above are met and You are still dissatisfied with the purchase, 
contact Us in writing at Our address shown in this Agreement.  

While  We  investigate,  the  same  rules  apply  to  the  disputed  amount  as  discussed 
above. After We finish Our investigation, We will tell You Our decision. At that point, if 
We think You owe an amount and You do not pay, We may report You as delinquent. 

Copyright Oak Tree Business Systems, Inc., 2013. All Rights Reserved.                          

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