Revised 7/2010 1 of 5  Albina Community Bank 
Credit Card Agreement 
 
CREDIT CARD AGREEMENT:  This agreement contains the terms which govern the  use of your Visa credit 
card (�Card�) and corresponding account (�Account�) , and outlines your responsibilities and ours.  You  do not 
have to sign the Agreement, but once you have accep ted, signed or used the Card or the Account, the 
Agreement will be in force.  Please read it in its entirety and keep it for your records. 
 
Contact us for any changes to the cardholder agreem ent since it was printed.  You may call us toll-fre e or 
write to us at the phone number or address printed on your Statement. 
 
USE OF ACCOUNT: You authorize us to pay for your Account items repr esenting the following transactions: 
1. Purchases or leases of goods and services (�purc hases�) made using the Card. 
2. Advances (�advances�) in any of the following fo rms:  
 Cash advances obtained from financial institutions , automatic teller machines (ATMs) or other 
means through the use of the Card. 
 Balance transfer transactions. 
 
We have no responsibility for failure of any machin e, merchant financial institution or any other part y to honor 
your Card. 
 
Additionally, you agree that you will not use your Card in any illegal transaction. 
 
PROMISE TO PAY:  You promise to pay all amounts due on your Account .  If your Account is a joint 
account, you and your joint account holder promise to pay and are jointly and individually responsible  for all 
amounts due on the Account.  If you let someone els e use the Account, you and any joint account holder  are 
responsible for all charges made by that person, wh ether or not you have notified us that the person w ill be 
using your Account and whether or not the amount of  the actual use exceeds your permission. 
 
CREDIT LINE:  You will be advised of the credit line applicable to your Account.  You promise not to allow 
your outstanding balance to exceed your credit line .  However, if you exceed your credit line, we can still 
charge you for all purchases and advances without g iving up any of our rights and we can require that you 
immediately pay to us any amount in excess of your credit line.  We can increase or decrease your cred it line 
at any time without prior notice.  We may from time  to time establish limits on the amount of advances  that 
may be charged to your Account.  You will be notifi ed of any such limits. 
 
MINIMUM PAYMENT � APPLICATION OF PAYMENTS: You must pay at least the Minimum Payment each 
month by the date shown on your Statement.  The Min imum Payment will be the larger of: (a) $20.00 or ( b) 
3% of the New Balance shown on your statement (roun ded upward to the nearest dollar) plus any amounts 
that are late or in excess of your credit line.  If  your New Balance is less than $20.00, you must pay  us the 
total New Balance.  In addition, you may pay any pa rt or all of the total balance of your account at a ny time 
without incurring any prepayment charge.  If you pa y more than the Minimum Payment, you must still pay  at 
least the Minimum Payment each time we send you a S tatement. 
 
With regard to each payment, we will decide the ord er in which purchases, cash advances, finance charg es, 
fees, and costs are paid, subject to any restrictio ns under applicable law.  We may allow you, from ti me to 
time, to skip one or more monthly payments, and we will notify you when this option is available.  If you elect 
to skip a payment, finance charges will continue to  accrue, and the requirement to make a Minimum 
Payment each month will resume following the skip p ayment period. 
 
STATEMENTS: We will send you a statement at the end of each Bil ling Cycle when your Account has a 
debit or credit balance of more than $1.00 or if a finance charge has been imposed or as required by 
applicable law (�Statement�).  We send only one Sta tement for all cards with your account number.  (If  there 
are two or more of you, we send the Statement to th e first applicant listed on the application).  Each  
Statement covers a Billing Cycle.  �Billing Cycle� means the days between the closing date shown on th e last 
Statement we sent you and the closing date on your current Statement. 
 
 Revised 7/2010 2 of 5  CLOSING DATE: The closing date is the last day of the billing cyc le; all transactions received after the 
closing date will appear on your next statement. 
 
ANNUAL FEE: If your account has been assessed an annual fee, yo u may avoid paying this annual fee by 
sending written notification of termination within 30 days following the mailing date of this bill, to  the address 
found at the top of the first page of the Statement  under the financial institution�s name.  You may u se your 
card(s) during this 30 day period but immediately t hereafter must send your card(s), which you have cu t in 
half, to the address. 
 
NEGATIVE CREDIT REPORTS: We may report information about your account to cre dit bureaus.  Late 
payments, missed payments, or other defaults on you r account may be reflected in your credit report. 
 
FINANCE CHARGES: Separate finance charges for purchases and cash adv ances are determined by 
multiplying the periodic rate by the separate avera ge daily balance for purchases and cash advances. T o get 
the average daily balance, we take the beginning ba lance of your account each day, add any new purchas es 
or cash advances, and subtract any payments, credit s, non-accruing fees and unpaid finance charges.  T his 
gives us the daily balance.  Then we add up all the  daily balances for the billing cycle and divide th e total by 
the number of days in the billing cycle. 
 
 PURCHASES:  Average Daily Balance (including current transacti ons).  To avoid incurring an 
 additional Finance Charge on the balance of purcha ses reflected on your monthly statement and on 
 any new purchases appearing on your next monthly s tatement, you must pay the New Balance 
 shown on your monthly statement on or before the P ayment Due Date.  The grace period for the 
 New Balance of purchases extends to the Payment Du e Date. 
 
 CASH ADVANCES: Average Daily Balance (including current transactio ns).  To avoid incurring an 
 additional Finance Charge on the beginning balance  of cash advances reflected on your monthly 
 statement, you must pay the Beginning Balance show n on your  monthly statement on or before the 
 Payment Due Date.  No grace period is provided for  current cycle transactions. 
 
 FEES: We may charge your Account for the following fees.  The application and payment of a fee 
 will not correct the situation which caused the fe e to be charged. 
 
 Late Payment.   We may charge a $20.00 late fee to your Account i f you do not pay at least the 
 Minimum Payment on or before the stated due date.  We may charge an additional late fee for each 
 Billing Cycle that your account is past due. 
 
 Returned Payment.   If you make a payment on your Account with a chec k and that check is not 
 honored by the financial institution on which it i s drawn, we may charge you a fee of $20.00. 
 
 Cash Advance Fee.   We will add an additional finance charge to your Account each time you obtain 
 a cash advance.  This additional finance charge wi ll be 4% of the amount of the cash advance with a 
 minimum of $5.00. 
 
 Balance Transfer Fee.   We will add an additional finance charge to your Account each time you do 
 a balance transfer.  This additional finance charg e will be 4% of the amount of the transfer with a 
 minimum of $5.00. 
 
ENTIRE BALANCE DUE: If you fail to make a required payment when due or break any other promise 
under this Agreement, we can declare the entire bal ance of your Account due and payable at once withou t 
notice or demand.  We can also do this if you make any false or misleading statements on your applicat ion or 
if you die or file bankruptcy. 
 
COLLECTION COSTS:  To the extent permitted by applicable law, you agr ee to pay all costs and 
disbursements, including reasonable attorney fees, incurred by us in legal proceedings to collect or e nforce 
your indebtedness. 
  Revised 7/2010 3 of 5  CREDIT INFORMATION:  You authorize the Bank to investigate your credit s tanding when opening or 
reviewing your Account.  You authorize the Bank to disclose information regarding your Account to cred it 
bureaus and creditors who inquire about your credit  standing. 
 
LOST OR STOLEN CARD OR CONVENIENCE CHECKS:  If a Card is lost or stolen, you must tell us at 
once.  You must also tell us at once if you think s omeone used a Card without your permission.  You ma y 
either write us a letter or call us at the address and phone number shown on your Statement.  Unless y ou 
have been grossly negligent or have engaged in frau d, you will not be liable for any unauthorized 
transactions using your lost or stolen card.  This additional limit on liability does not apply to ATM  
transactions, transactions using your Personal Iden tification Number (PIN) which are not processed by VISA, 
or to commercial cards. 
 
WE MAY TRANSFER YOUR ACCOUNT:  We may transfer your Account and our rights under this 
Agreement to another person or company.  That perso n or company will take our place in this Agreement.   
You must pay them the amount you owe on your Accoun t (instead of paying us) if they ask you.  You may 
not transfer your Account or your rights under this  Agreement to any person or company. 
 
CANCELLATION:  We can cancel your Account, refuse to allow further  transactions, or revoke your Card at 
any time without prior notice.  You can cancel your  Account by writing us.  In either case, you agree to return 
all Cards cut in half to us.  Of course, cancellati on of your account won�t affect your liability to u s for credit we 
have extended to you until paid in full, including all outstanding balances, finance charges and fees.  
 
FOREIGN TRANSACTIONS:  Charges from foreign merchants and financial insti tutions may be made in a 
foreign currency.  We will bill you in U.S. dollars  based on the exchange rate on the day we settle th e 
transaction, plus any special currency exchange cha rges that may be imposed by us, the VISA network 
and/or by any third-party used to complete the tran saction.  The exchange rate applied to each such 
transaction is (1) a rate selected by VISA from the  range of rates available in wholesale currency mar kets for 
the applicable central processing date, which rate may vary from the rate VISA itself receives, or (2)  the 
government-mandated rate in effect for the applicab le central processing date.  Because of the special  
charges and possible differences in exchange rates between the time we settle and the time you initiat ed the 
transaction, the charge for a foreign transaction m ay be less than or greater than the cash advance or  
purchase at the time it was made. 
 
Regardless of whether the transaction is made in fo reign currency or in U.S. dollars, additional fees may 
apply to all international transactions using the C ard.  International transactions are defined as tra nsactions 
that are initiated outside the United States or its  territories.  You will be billed for any internati onal transaction 
fees that may be imposed by us, the VISA network an d/or by any third-party used to complete the 
transaction. 
 
CHANGE OF TERMS:  We can change the term of this Agreement at any ti me provided we send you notice 
at least forty-five (45) days prior to the effectiv e date of the change.  If the change will increase the Finance 
Charges or Fees, notice shall be sent at least fort y-five (45) days prior to the effective date and ma y become 
effective as of the first day of your billing perio d during which the effective date occurs unless you  give us 
written notice that you do not agree to the change within forty-five (45) days of the date of the mail ing.  If you 
give us such written notice, you will be permitted to pay the outstanding unpaid indebtedness in your Account 
as of the effective date under the terms of the Agr eement governing your Account at the time our notic e was 
given.  If you use your Card after the effective da te, you will be considered to have agreed to the ne w terms 
even if you have sent us such written notice.  At o ur option we may also make any such change if you e lect 
to use your account after the effective date of the  amendment.  Changes which we make can apply to all  
outstanding unpaid indebtedness and to any future t ransactions on your Account. 
  
TELEPHONE CALLS � MONITORING:  You agree that if you are past due or in default, you will accept calls 
from us regarding the collection of your Account.  You understand these calls could be automatically d ialed 
and a recorded message may be played.  You agree su ch calls will not be unsolicited calls for purposes  of 
state and federal law. 
 
  Revised 7/2010 4 of 5   
Albina Community Bank 
Credit Plan Terms & Conditions  
And 
Your Billing Rights 
 
ANNUAL  
PERCENTAGE 
RATE FOR 
PURCHASES & 
CASH ADVANCE  
 
ANNUAL 
MEMBERSHIP 
FEE  
 
GRACE PERIOD FOR  
PURCHASES  
METHOD OF 
COMPUTING 
THE 
BALANCE  
 
MONTHLY 
PAYMENT 
11.99% None, or $60 
with Scorecard 25 Days (to avoid 
periodic finance 
charges on purchases, 
the total payoff amount 
must be received by the 
payment due date)  Average Daily 
Balance 
(including new 
purchases) Minimum 3% of 
new balance but 
not less than 
$20.00 
LATE PAYMENT  
FEE RETURN 
PAYMENT FEE BALANCE TRANSFER FEE CASH ADVANCE  
FEE 
Up to $20.00 Up to $20.00 Up to 4% of the amount of  the 
transfer; $5.00 minimum fee Up to 4% of the amount of the 
transfer; $5.00 minimum fee 
Because rates and terms are subject to change, you may contact us for the current information by 
calling 1-800-922-5086. 
 
 
YOUR BILLING RIGHTS � KEEP THIS NOTICE FOR FUTURE U SE:  This notice contains important 
information about your rights and our responsibilit ies under the Fair Credit Billing Act and applies t o all credit 
card accounts. 
 
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR  BILL:  If you think your bill is wrong, or 
if you need more information about a transaction on  your bill, write us on a separate sheet at the add ress 
listed on your bill.  Write to us a soon as possibl e.  We must hear from you no later than sixty (60) days after 
we sent you the first bill on which the error or pr oblem appeared.  You can telephone us, but doing so  will not 
preserve your rights. 
 
In your letter, give us the following information: 
 
� Your name and account number. 
� The dollar amount of the suspected error. 
� Describe the error and explain if you can, why you  believe there is an error.  If you need more 
information, describe the item you are not sure abo ut. 
 
If you have authorized us to pay your bill automati cally from your savings or checking account, you ca n stop 
the payment on any amount you think is wrong.  To s top the payment, your letter must reach us three (3 ) 
business days before the automatic payment is sched uled to occur. 
 
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEI VE YOUR WRITTEN NOTICE:  We 
must acknowledge your letter within thirty (30) day s, unless we have corrected the error by then.  Wit hin 
ninety (90) days, we must either correct the error or explain why we believe the bill was correct.  Af ter we 
receive your letter, we cannot try to collect any a mount you question, or report you as delinquent.  W e can 
continue to bill you for the amount you question, i ncluding finance charges, and we can apply any unpa id 
amount against your credit limit.  You do not have to pay any questioned amount while we are investiga ting, 
but you are still obligated to pay the parts of you r bill that are not in question. 
 
If we find that we made a mistake on your bill, you  will not have to pay any finance charges related t o any 
questioned amount.  If we did not make a mistake, y ou may have to pay finance charges, and you will ha ve 
 Revised 7/2010 5 of 5  to make up any missed payments on the questioned am ount.  In either case, we will send you a statement  of 
the amount you owe and the date that it is due. 
 
If you fail to pay the amount that we think you owe , we may report you as delinquent.  However, if our  
explanation does not satisfy you and you write to u s within ten (10) days telling us that you still re fuse to pay, 
we must tell anyone we report you to that you have a question about your bill and, we must tell you th e name 
of anyone we reported you to.  We must tell anyone we report you to that the matter has been settled 
between us when it finally is. 
 
If we do not follow these rules, we cannot collect the first $50.00  of the questioned amount, even if your bill 
was correct. 
 
SPECIAL RULE FOR CREDIT CARD PURCHASES:  If you have a problem with the quality of property or 
service that you purchased with a 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 rem aining amount due on the property or services.  The re 
are two limitations on this right: 
 
 (a) You must have made the purchase in your home s tate or, if not within your home state, within 
 100  miles of your mailing address; and 
 
 (b) The purchase price must have been more than $50.00. 
 
These limitations do not apply if we own or operate  the merchant, or if we mailed you the advertisemen t for 
the property or services.