HAPO COMMUNITY CREDIT UNION 
                             VISA CREDIT CARD ACCOUNT AGREEMENT 
    
   1.  INTRODUCTION. This Agreement covers this VISA Credit Card account, issued by HAPO Community Credit Union (�Lender�). In this Agreement 
      the words �you,� �your,� �yours,� �applicant,� and �borrowers� mean any person who signs the application for this Account, any joint obligor, guarantor, 
      authorized user, or the person whose name is embossed on the Card. The word �Card� means any one or more credit cards issued under the Credit 
      Union�s VISA programs. If you sign an application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you 
      and they will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by the 
      following terms and conditions which will govern this Account. 
   2.  YOU PROMISE TO PAY. You promise to pay us all such amounts, plus any FINANCE CHARGES, which arise from use of the Card or Account by 
      you or any other person, and to be jointly and severally liable with such a person, unless such other person does not have actual, implied, or apparent 
      authority for such use, and you received no benefit from the use.  
   3.  CREDIT LINE. This Agreement will constitute a revolving line of credit for an amount which will be the credit line under your Account.  You may 
      access your credit line through Card purchase and/or cash transactions at participating merchants. We will advise you of the amount of your credit line. 
      That amount will be the maximum amount you may have outstanding at any one time. You agree not to attempt to obtain more credit than the amount of 
      your credit line. However, if you temporarily exceed your credit line, you agree to repay the excess immediately, even if we have not yet billed you. 
      Obtaining such credit does not increase your credit line. We retain the right to increase or decrease your credit line at any time for any reason. Any 
      increase or reduction on the limit of your credit line will be shown on your monthly statement or by separate notice. Your eligibility for this credit line is 
      determined by our loan policy and may be terminated at our sole discretion, without demand or notice. You may close your credit line at any time by 
      sending us a signed, written request. If you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this 
      Agreement and your liability hereunder shall otherwise remain in full force and effect until you have paid us all sums due us under this Agreement. 
   4.  ACCOUNT ACCESS. Purchase Transactions and Cash Transactions. You must sign the Card to use it. Once you have signed the Card, you can use 
      it to purchase goods or services, wherever the Card is honored, up to the full amount of your credit line. You may use your Account to get cash advances 
      from us, other participating financial institutions, or automated teller machines (ATM). No purchase or cash transaction may exceed the available funds 
      in your Account. The Credit Union reserves the right to refuse any transaction that would exceed your credit limit, and/or daily purchase or cash limit. 
      Purchases are limited to 10 transactions a day. Cash transactions are limited to 3 transactions per day and cannot exceed $2,500 a day for Share Secured, 
      or $5,000 a day for Platinum accounts. ATM transactions cannot exceed $505 per single transaction.  
   5.  MINIMUM MONTHLY PAYMENT. You agree that you will pay each month not less than the minimum monthly payment on or before the scheduled 
      monthly due date. You may pay in full for all your purchase and cash transactions each month, or you may repay in monthly installments. The minimum 
      payment is calculated at 2% of your outstanding balance or $25.00, whichever is greater, plus any amounts past due and/or overlimit. If your outstanding 
      balance is less than $25, you agree to pay the balance in full. We can accept late payments or partial payments, or checks, drafts, and money orders 
      marked �payment in full,� without prejudice to our rights under this Agreement, which are hereby explicitly reserved. Your minimum payment due will 
      be applied first to any outstanding FINANCE CHARGES and fees, then to lower rate balances, with any excess being applied to the balance with the 
      highest APR. 
   6.  MONTHLY STATEMENTS. Each month we will provide you a statement showing purchase transactions, cash transactions, payments, and credits 
      made to your Account during the billing cycle, as well as your New Balance, any FINANCE CHARGE and any late charge or other charges. Your 
      statement also will identify the minimum monthly payment you must make for that billing period and the date it is due. You agree to retain for statement 
      verification, copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account. Unless you notify us of a 
      billing error as described below, you accept your monthly statement as an accurate statement of your Account with us. 
   7.  SECURITY INTEREST. You grant the Credit Union a security interest under the Washington Uniform Commercial Code in any goods purchased with 
      your Card. You agree that all collateral you have given the Credit Union to secure other consumer loan obligations (except real estate), in the past and in 
      the future, will secure your obligations under this Agreement. In addition, by signing the credit card Application, you have given us a security interest in 
      all your shares and deposits, present and future, and all accounts (except Individual Retirement Accounts) with the Credit Union. For Secured Card 
      accounts, you have given us a specific pledge of your Credit Union shares up to 110% of the credit limit and we may prevent your withdrawal of the 
      pledged shares. You agree, upon default, the Credit Union may apply all that is secured to pay any amounts due under this Agreement, without further 
      notice to you. 
         
   8.  Sec. __Military Lending Disclosures. The following disclosures are provided and apply to the borrower who is a Covered Member as 
      described below.  
   a.  Borrower Certification of Active Duty.  By requesting a Credit Card each borrower certifies to the Credit Union that borrower:  (i) is a 
      Covered member as a member of the Armed Forces who is currently serving on active duty (under a call or order not less than 30 days) 
      Active Guard or Reserve duty; and (ii) borrower is the Covered Member or is a dependent of the Covered Member.  Borrower(s) 
      authorize the Credit Union to verify their status as a Covered Member or dependent by obtaining information from the database of the 
      Department of Defense or from a consumer report obtained from a consumer reporting agency. 
   b.  Military Annual Percentage Rate. Federal law provides important protections to members of the Armed Forces and their dependents 
      relating to extensions of consumer credit.  In general, the cost of consumer credit to a member of the Armed Forces and his or her 
      dependent may not exceed an annual percentage rate of 36%.  This rate must include, as applicable to the credit transaction or account:  
      the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any 
      application fee charged (other than certain application fees for a credit card account); and any participation fee charged (other than 
      certain participation fees for a credit card account). 
   c.  Payment Obligation. Your payment obligation under your Credit Card Account is set forth in Sec. 2 and 5 above in the Credit Card 
      Agreement. 
   d.  Security Interest.   The Credit Union�s security interest in all your Credit Union shares or deposits pursuant to the Credit Card 
      Agreement will not apply your Credit Card Account.  A security interest in shares or deposits granted in connection with any other credit 
      card account, loan or line of credit does not secure the Credit Card Account identified above, in spite of any provision that collateral 
      securing one loan secures all of your other Credit Union obligations.  However, if you establish a deposit or share account specifically in 
      connection with your Credit Card Account, funds deposited in that account after you establish the Credit Card Account are subject to our 
      security interest as set forth above in the Credit Card Agreement. 
   e.  Credit Union Toll-Free Telephone Number -509-943-5676.  Call this number for verbal information about the Military Annual 
      Percentage Rate and your payment obligation. 
       
                            VISA Credit Card Account Agreement     Page 1 of 4 
   9.  PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. The FINANCE CHARGE imposed during the billing cycle will 
      be determined by multiplying the Average Daily Balance by the Monthly Periodic Rate. The ANNUAL PERCENTAGE RATE (APR) is divided by 12 
      to produce the monthly rate. Your APR may vary with changes to an index which is the Prime Rate as published in The Wall Street Journal five business 
      days before the closing date shown on your billing statement. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar 
      reference rate and inform you on your billing statement or through a separate notice. The rate table shows which rates, if any, are variable rates. The rate 
      table lists the margin for each variable rate and any minimum periodic rate and corresponding APR.  
      When you have an APR that varies with changes to the Prime Rate, we calculate your APR by adding a percentage (a �margin�) to the Prime Rate. The 
      margin will be updated semi-annually based on your FICO credit score. FICO scores will be obtained in January (for April interest rate updates), and July 
      (for October rate updates) by Trans Union 2 Baldwin Place P.O. Box 1000 Chester, PA 19016. If we are unable to obtain a credit score for your account, 
      the rate will reflect that of a zero score. If this calculation results in a change to your APR because the Prime Rate or your credit score has changed, the 
      new rate will apply as of the first day of your billing cycle in which the update occurs. All accounts have a ceiling limit of 18.00% APR, and will not 
      exceed that amount at any given time. 
                             Credit 
                  Account Type  Score     Annual Percentage Rate  Notice Required 
                             Range 
                            750-999     8.25       (Prime* + 5.00%)   
                            700-749     11.00      (Prime* + 7.75%)   
                   Low Rate   650-699   14.50  (Prime* + 11.25%)    ?    
                    Platinum  600-649   17.00  (Prime* + 13.75%)    ?    
                            000-599     18.00      (Prime* + 14.75%)  ?    
                            750-999     11.25      (Prime* + 8.00%)   
                            700-749     14.00  (Prime* + 10.75%)   
                  Platinum with   650-699  17.50     (Prime* + 14.25)  ?    
                   Cash Back  600-649   20.00  (Prime* + 16.75%)    ?    
                            000-599     20.00   (Prime* + 16.75%)   ?    
                            750-999     10.50      (Prime* + 7.25%)   
                   Signature  700-749   13.25       (Prime* + 10.00%)   
                     VISA   650-699     16.75       (Prime* + 13.50%)  ?    
                            600-649     18.00      (Prime*+14.75%)  ?    
                            000-599     18.00     (Prime* + 14.75%)  ?    
                    Share 
                             N/A        18.00%        18.00%        ?    
                    Secured 
                   Youth VISA  N/A      12.9%         12.9%           
                   *Estimated variable APRs above are based on the 3.25% WSJ Prime Rate as of March 15, 2020 
                                      **Maximum rate 18.00% 
    
      In the event you are in default of this Agreement, your ANNUAL PERCENTAGE RATE will be 18.00% (1.500000% Periodic Rate). The ANNUAL 
      PERCENTAGE RATE will be increased on the first day of the second month following notice of default.   
   10.  FINANCE CHARGE CALCULATION: AVERAGE DAILY BALANCE METHOD. We calculate the Periodic FINANCE CHARGE on your 
      Account by applying the Periodic Rate to the �Average Daily Balance� of purchase and cash activity for your Account. To get the �Average Daily 
      Balance� we take the beginning purchase and cash balance of your Account each day, add any new purchase and cash transactions, and subtract any 
      payments or credits, unpaid FINANCE CHARGES and unpaid late charges. This gives us the daily balance. Then we add up all the daily balances for 
      the billing cycle and divide by the number of days in the billing cycle. This gives us the Average Daily balance for both purchase and cash transactions. 
   11.  CIRCUMSTANCES UNDER WHICH A FINANCE CHARGE WILL BE IMPOSED.  
      a.  Cash Transactions. A FINANCE CHARGE will be imposed on cash transactions from the date each cash transaction is made to the date paid. 
        There is no time period within which to pay to avoid a periodic FINANCE CHARGE on cash advances, and balance transfers.  
      b.  Purchases.  You have a 25-day grace period in which to repay your balance for purchase transactions before a FINANCE CHARGE will be 
        imposed. A FINANCE CHARGE will be imposed on any balance remaining from purchase transactions not paid within the �grace period�.  
      The total outstanding balance of purchases and cash transactions in the Account on the closing date of a billing cycle, including any FINANCE 
      CHARGE will be shown on the Periodic Statement for that billing cycle as the �New Balance.� 
   12.  CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED. We may impose the following fees and charges on your Account: 
      a.  Late Charges. $25.00 fee may be assessed for payments made later than the due date.  
      b.  Returned Payment Charge. If any payment we receive from you is returned to us unpaid, we may impose a returned item fee of $20.00. 
      c.  Miscellaneous Photocopying. If you request a copy of a sales draft or monthly statement, we may charge your Account $2.00 per copy and $20.00 
        per hour. These charges cover the costs of locating, copying, and delivering the documents to you. If a request is related to a billing error and an 
        error is found, we will reverse any photocopying charges. 
      d.  ATM Fees. If you use an ATM to obtain a cash advance and the ATM is not operated by us, you may be charged an ATM surcharge by the ATM 
        operator or an ATM network utilized for such a transaction. The ATM surcharge may be charged to your Account if you complete the transaction.  
      e.  Attorney�s Fees and Costs. If you default on any part of this Agreement, you agree to pay us all costs to collect your Account, including: court 
        costs, reasonable attorney fees, collection agency costs whether or not there is a lawsuit, incurred both before and after judgment; such collection 
        agency cost may be based on a percentage, not to exceed 30%, of the principal owed at the time of default; fees for bankruptcy proceedings, appeals, 
        and any post judgment collection services. The Credit Union may commence an action to enforce this Agreement in the county in which the Credit 
        Union is located, or where you reside, if you live outside the state of Washington. 
      f.  Replacement Charges. If a card is lost or damaged there will be a $5.00 replacement fee and $25.00 fee to rush standard processing of a card. A 
                            VISA Credit Card Account Agreement     Page 2 of 4 
        replacement or rush fee will not be charged in the event the credit union is at fault. 
   13.  CONDITIONS OF CARD USE. The use of your Card and Account are subject to the following conditions: 
      a.  Ownership of Cards. Any Card or other credit instrument or device which we supply to you is our property and must be returned to us, or to any 
        person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The 
        Card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your Card or Account to another person. 
        You may not use the Card for any illegal or unlawful transactions and we may decline to authorize any transaction that we believe poses an undue 
        risk of illegality or unlawfulness. 
      b.  Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any 
        other credit instrument or device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your 
        Account in lieu of a cash refund. 
      c.  Currency Conversion. Purchases and cash advances made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate 
        for international transactions as established by VISA International, Inc. is a rate selected by VISA from the range of rates available in wholesale 
        currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives, or the government-mandated 
        rate in effect for the applicable central processing date, in each instance, plus 1.00%. 
      d.  Notices and Payments. All notices will be sent to your address as shown in on your HAPO share account. You agree to advise us promptly if you 
        change your mailing address. We may, at our option, accept mailing address changes from the United States Postal Service, and update your VISA 
        account as well as your HAPO account based on these changes. All payments should be mailed to us at the remittance address shown on your 
        monthly statements. Payments received at that address will be credited to your Account as of the date received. 
      e.  Personal Identification Number. We will issue you a Personal Identification Number (�PIN�) for use with your Card at Automatic Teller 
        Machines (�ATMs�). These numbers are issued to you for your security purposes. These numbers are confidential and should not be disclosed to 
        third parties. You are responsible for safekeeping your PIN. You agree not to disclose or otherwise make available your PIN to anyone not 
        authorized to sign on your Accounts. To keep your Account secure, please do not write your PIN on your Card or keep it in the same place as your 
        Card. 
   14.  DEFAULT. You will be in default under this Agreement if any of the following occur: (a) your account becomes more than two months past due; (b) 
      you become insolvent, bankrupt, or you die; (c) you violate any part of this Agreement, or any other agreement with us; or (d) if we reasonably deem 
      ourselves insecure on your credit line. Upon default, we may declare the entire unpaid balance immediately due and payable, and you agree to pay that 
      amount plus any attorney�s fees and costs including collection agency costs incurred by us. We can delay enforcing any right under this Agreement 
      without losing that right or any other right. 
   15.  CREDIT INFORMATION/FINANCIAL STATEMENTS. You authorize us to release information to others (e.g., credit bureaus, merchants, and 
      other financial institutions) regarding the status and history of your credit line. You agree to provide us, at any time we deem necessary, with a current 
      financial statement and updated credit information upon request. We may investigate your credit as needed through a credit reporting agency. 
   16.  LOSS OR THEFT OF VISA CREDIT CARD. You agree to notify us immediately of the loss, theft, or use without your permission, of any Card or 
      other credit instrument or device which we supply to you. Call us at 800-449-7728, or write to: VISA Department, PO Box 31216, Tampa, FL 33631-
      3281.  
   10.  Rewards Programs Cash Back Rewards (�Rewards�) accrue at a rate of 2.00% on net retail purchase transactions (qualifying purchases less credits, 
      returns, and adjustments) charged to the card. Balance Transfers, cash advances, other cash transactions, fees, interest, and unauthorized/fraudulent 
      transactions, and manufactured spending (i.e. gift cards) do not earn Rewards. Rewards accruals are calculated at the end of each billing cycle, and will 
      appear on your account�s monthly statement. Payouts are based on the billing cycle. Reward accruals are unlimited, must earn a minimum of $15.00 to 
      qualify for payout. Rewards are paid annually in November, or as requested on demand for prior billing cycles. Payouts are paused during the month of 
      October to prepare for the annual payouts. If your account is in arrears, closed, or used fraudulently to earn Rewards, all Rewards will be forfeited. 
      Rewards cannot be transferred or combined. Fraudulent use of the card or manufactured spending to redeem points will result in an automatic card 
      closure without payout. HAPO shall determine which purchases qualify, program subject to change at any time.  
      Double Reward Points-New Signature Travel Visa 2.5 points per dollar applies to the first $12,000 in purchase transactions within 365 days of account 
      opening. Points accrue at the standard rate of 1.25 per dollar 365 days after the account open date, OR after spending $12,000 in purchase transactions; 
      whichever is sooner. Points do not accrue on cash advance transactions or balance transfers. Points expire 5 years from the date of accrual. Points to 
      Cash Signature Travel Rewards cards are eligible to redeem points for Cash. Cash is redeemable in increments of $25.00. Just log in to HAPO Rewards. 
      Point per cash value is $0.01. Points are eligible for cash redemption a maximum of 4 times a year, not to exceed one redemption a month. Points must be 
                                        th
      redeemed prior to expiration; all points expire in December of the 5  year. 
   17.  AMENDMENTS. We have the right to change any terms and conditions of this Agreement, subject to applicable laws, at any time.   
   18.  GOVERNING LAW. This Agreement and your account will be governed by federal law, as well as the law of Washington State, and will apply no 
      matter where you live or use this account. 
   19.  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 us at: VISA Department, PO Box 31216, 
      Tampa, FL 33631-3281. In your letter, give us the following information: 
        ?  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. 
        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 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. 
      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 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.  
       
                            VISA Credit Card Account Agreement     Page 3 of 4 
      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 FINANCE CHARGE 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 FINANCE CHARGES 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 above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
   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.  
      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.  
         
    
   October 2020 
    
    
    
    
    
    
    
    
    
    
    
                            VISA Credit Card Account Agreement     Page 4 of 4