CARDHOLDER AGREEMENT TERMS & CONDITIONS AND 
                                                                                                                                                             TRUTH IN LENDING DISCLOSURE 

This Credit Card Agreement governs the following accounts: 
VISA Classic and VISA Gold.  In this agreement, the words 
“you” and “your” mean any person (if more than one, 
individually and jointly) who is responsible for your account.  
“The Account” means the VISA Classic or VISA Gold as the 
case may be.  “We,” “us” and “our” refer to the bank, and 
“Card” refers to the VISA card(s) we issue to you.  “Account” 
refers to your VISA Account with us.  
1.  Use of Your Account:  We have sent or will send you the 
Card you requested.  You agree to sign the Card promptly 
upon receipt.  By signing or using the Card or your Account, 
you agree to be bound by all of the terms of this Agreement.  
You may use the Card to lease or purchase goods (Purchases) 
and to obtain services on credit from any person who accepts 
the Card and to obtain loans from us (Cash Advances) or from 
anyone who will accept the Card.  You may also transfer 
balances from other credit card accounts to your Account 
(Balance Transfers). The minimum Balance Transfer allowed is 
$500.00.  Balance Transfers will be treated the same as Cash 
Advances.  We do not promise that everyone will honor the 
Card, and we have no obligation to you if anyone refuses to 
accept the Card.  We will not be liable if any merchant, bank 
or other person does not honor your Card, or fails to provide 
any service made available to you by us.  From time to time 
you may be required to furnish identification when your Card 
is presented for use. For recurring payments, you must notify 
the merchant if your card number or expiration date has 
changed or your card is closed.  We may also provide the 
merchant or the participating network your new account 
number and expiration date as enrollment in the Visa 
Account Updater (VAU) Service is automatic; see paragraph 
27 for additional information. 
2.  Obtaining Credit Without a Card:  If you or someone you 
authorize to use your Account signs a sales slip, obtains a 
Balance Transfer or Cash Advance, or gives your Account 
number to make a Purchase or obtain a Balance Transfer or 
Cash Advance without presenting the Card (such as for a mail 
order or a telephone purchase), the legal effect will be the 
same as if the Card itself was used by you.   
 3.  Credits for Refunds:  If you obtain a refund, adjustment or 
credit for a Purchase made with the Card, you will receive a 
credit to your Account, not cash. 
4.  Return of Cards:  We have the right to repossess at any 
time the Card that we give you.  You agree to surrender it at 
our request. 
5.  Obligations on Your Account:  You authorize us to pay and 
charge your Account for all Balance Transfers, Purchases and 
Cash Advances resulting from the use of the Card or your 
Account. You agree to pay us for all of these Balance 
Transfers, Purchases and Cash Advances.  You also agree to 
pay us the finance charges that are assessed on your Account, 
and any other amounts that you owe us according to the 
terms of this Agreement. Each person who signed the 

application to open an Account with us or otherwise agrees is 
obligated to pay the full amount owed on it. We may require 
that you pay the full amount without our first asking the 
other person(s) to pay. 
We are not obligated to authorize a transaction using your 
Card or your Account if (1) your credit line has been exceeded 
or would be exceeded by the transaction; (2) you have failed 
to pay amounts owed to us when due or have failed to follow 
any of the terms of this Agreement; (3) you have notified us 
or we have determined that the Card has or may have been 
lost or stolen or that there may be unauthorized access to 
your Account; or (4) you are in default or your rights under 
this Agreement have expired or been revoked. We are not 
liable for payment of late fees or any other fees on another 
account from which we completed a balance transfer to this 
Card.  
6.  Your Credit Line:  Your credit line is shown on the folder 
containing your Card and/or on each monthly periodic 
statement.  You agree not to make any Balance Transfers, 
Purchases or obtain any Cash Advances that would make the 
unpaid balance of your Account exceed this limit.  If you do, 
we may demand that you pay the excess and you agree to 
pay it immediately.  You also agree that we may change or 
cancel your credit line at any time subject to applicable laws 
or regulations without prior notice and without affecting your 
obligation to pay amounts that you owe under this 
Agreement.  Any such change or cancellation may result from 
our periodic review of the performance on your Account 
and/or consumer credit reports we may obtain from 
consumer reporting agencies. 
7.  Periodic Statement:  All accounts will receive monthly 
periodic statements except those noted below.  Accounts 
with a zero balance and no activity will not receive a periodic 
statement.  An account with a credit balance over $1.00 will 
receive 6 periodic statements reflecting this balance. An 
account with a balance (positive or negative, excluding 
unpaid finance charges) of less than $1.00 will receive one 
periodic statement reflecting this balance.  You agree to 
notify us if you do not receive any particular statement. 
Periodic statements will be mailed or delivered to you at least 
twenty-one days before the payment due date.  
8.  Payments on Your Account:  All payments must be made 
by check or money order payable in US dollars and delivered 
or mailed to us at the address indicated on your periodic 
statement.  Any such payment may be returned without 
applying it to your Account for reasons including that it is 
postdated, incomplete, the numeric amount is different than 
the written amount or it is not made payable as indicated on 
your periodic statement.  We may, but are not obligated to, 
accept any payment that is not drawn on the US Post Office 
or a financial institution located in the United States. 
Payments received by 5PM EST at the location specified on 
the front of the periodic statement after the phrase “Please 

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Mail Your Payments to:” will be credited as of the date of 
receipt to the account specified on the payment coupon. 
Payments made in person during normal business hours at 
branch locations where such payments are accepted will be 
treated as received on the same day if received prior to 5:00 
PM local time Monday thru Friday. Payments made in person 
on Saturday will be credited the next business day. Payments 
that do not conform to the requirements set forth on or with 
the periodic statement (e.g. missing payment stub, payment 
envelope other than as provided with your periodic 
statement, multiple checks or multiple coupons in the same 
envelope) may be subject to delay in crediting, but shall be 
credited within five days of receipt.  We can accept late or 
partial payments and payments that are marked with 
restrictive endorsements such as “payment in full,” without 
losing any of our rights. 
9.  Minimum Monthly Payment:  Each month, you may pay 
all or any part of your balance, except you must pay us at 
least your minimum payment by the due date of the 
payment.  Your minimum monthly payment is the greater of 
three percent (3%) of the outstanding balance of your 
Account; rounded up to the next whole dollar, or $25.00 plus, 
at our option, any amount you owe in excess of your credit 
line, plus any amounts past due. 
10.  Application of Payments:  The amount of any payment 
on your Account will be applied in the following order: 
Balance Transfer and Cash Advance Finance Charges, Retail 
Purchases Finance Charges, Balance Transfer and Cash 
Advance Fees Billed, Retail Purchase Fees Billed, Balance 
Transfer and Cash Advance Minimum Payment Due, Retail 
Purchase Minimum Payment Due, Balance Transfer and Cash 
Advance Previous Balance, Retail Purchases Previous Balance, 
New Balance Transfer and Cash Advance Activity, New Retail 
Purchase Activity, Balance Transfer and Cash Advance 
Unbilled Fees and Retail Purchases Unbilled Fees.   
11.  Credit Balances and Overpayments:  If we accept a 
payment for an amount in excess of your outstanding 
balance, your available credit line will not be increased by the 
amount of such overpayment nor shall we be required to 
authorize transactions for an amount in excess of your 
assigned credit line.  If there is a credit balance on your 
Account or you make an overpayment which creates a credit 
balance, we will apply it to future amounts owed. 
12.  Finance and/or Interest Charges:  Finance charges on 
your Account are imposed in two ways. One way is to apply a 
periodic rate to an average daily balance. The second way is 
by assessing transaction fees in connection with Cash 
Advances, Balance Transfers, International Transactions or 
Late Payments.  The circumstances under which these will be 
assessed and an explanation of how they are determined are 
described below. 
Finance Charges Determined by Periodic Rate:   
To compute this portion of the finance charge, an average 
daily balance is multiplied by its monthly periodic rate. The 
results of these calculations are then added together to 
determine this portion of the finance charge. 
Daily Balance of Purchases:  

The daily balance of Purchases is determined by taking the 
beginning Purchase balance each day, adding any new 
Purchases and subtracting any payments, credits, non-
accruing fees, and unpaid finance charges. 
Daily Balance of Cash Advances and Balance Transfers: 
The daily balance of Cash Advances and Balance Transfers is 
determined by taking the beginning balance of Cash 
Advances and Balance Transfers each day, adding any new 
Cash Advances and Balance Transfers and subtracting any 
payments, credits, non-accruing fees, and unpaid finance 
charges. 
Average Daily Balance:   
The average daily balance is determined by dividing the sum 
of the daily balances during the billing cycle by the number of 
days in the cycle. 
Annual Percentage Rates:   
The monthly periodic rate and the corresponding Annual 
Percentage Rate are variable rates and may increase or 
decrease from one billing cycle to another. We will calculate 
the Annual Percentage Rate by adding a margin to the rate 
disclosed as the US Prime Rate reported in the “Money 
Rates” table of “The Wall Street Journal” on the first business 
day of each month.  The margin added to the US Prime Rate 
for the Classic VISA Card is currently 9.9%.  The margin added 
to the VISA Gold card is currently 7.9%.   Such rate shall not 
exceed 18% unless permitted by law.  The finance charge on 
balances for each billing cycle will be computed by applying a 
monthly periodic rate equal to 1/12th of the Annual 
Percentage Rate in effect for such billing cycle on the 
respective average daily balances.  The Annual Percentage 
Rate and the monthly periodic rate may increase if the prime 
rate increases, and any such increase in the Annual 
Percentage Rate will become effective for the second billing 
cycle after the Prime Rate increases. If the Annual Percentage 
Rate and the monthly periodic rate increase, the finance 
charge and the minimum payment amount may increase. 
Each change in the Annual Percentage Rate and in the 
corresponding periodic rate will apply to any balance 
outstanding on the effective date of such change as well as to 
future Purchases, Cash Advances and Balance Transfers.  
The Annual Percentage Rate at the time this disclosure was 
prepared (4.11.2018) is: VISA Gold Card – 12.65% and VISA 
Classic Card – 14.65%. 
Finance Charges Accrual and Grace Period:  
To avoid incurring an additional Finance Charge on the 
balance of Purchases reflected on your monthly statement 
and, on any new Purchase appearing on your next monthly 
statement, you must pay the entire New Balance in full 
shown on your monthly statement, on or before the Payment 
Due Date. The grace period for the New Balance of Purchases 
extends to the Payment Due Date. The Finance Charges for a 
billing cycle are computed by applying the periodic Rate to 
the “average daily balance” of Purchases.   
To avoid incurring an additional Finance Charge on the 
beginning balance of Cash Advances and balance Transfers 
reflected on your monthly statement, you must pay the 
Beginning Balance shown on your monthly statement on or 

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before the Payment Due Date. No grace period is provided 
for current cycle Balance Transfer and Cash Advance 
transactions. The Finance Charges for a billing cycle are 
computed by applying the Periodic Rate to the “average daily 
balance” of Cash Advances and Balance Transfers.  
 13.  Other Fees and Charges: 
Late Payment Charges:  For any minimum monthly periodic 
payment which is not paid within 26 days after the closing 
date subsequent to the payment due date as shown on your 
periodic statement, you may be charged and you agree to pay 
us, a late payment charge of $20.00. Your payment due date 
will always be on the same day of the month, or the next 
business day if the date falls on a holiday or weekend. If a due 
date falls on a holiday or weekend when payments are not 
received or accepted by mail, the payment will not be 
counted as a late payment if it is received the next business 
day. Payments received in our branches by 5 PM will be 
credited the same day. For other information regarding 
payments on your account refer to paragraph #8.  
Balance Transfer Fee: For each Balance Transfer, we will 
assess a Balance Transfer Transaction Fee of 2% with a 
minimum charge of $10.00 and a maximum charge of 
$100.00 to be charged on the date the Balance Transfer is 
posted to your account. No grace period applies on any 
transaction finance charge imposed for Balance Transfers. 
Cash Advance Fee: For each Cash Advance we assess a Cash 
Advance Transaction Fee of 2%, with a minimum charge of 
$5.00 and a maximum charge of $100.00 to be charged on 
the date the Cash Advance is posted to your account. No 
grace period applies on any transaction finance charge 
imposed for Cash Advances.    
Over the Limit Fees:  Your account features no over limit fees. 
However, any transaction that causes you to go over your 
credit limit may be declined.  
International Transaction Fees: International transactions are 
defined as cross border and/or currency conversion 
transactions that occur between a merchant outside the 
United States and a United States cardholder (whether or not 
the cardholder is outside of the United States at the time of 
the transaction.) For these cross border and/or currency 
conversions, VISA charges up to 1.0% on the transaction 
amount. When purchase transactions are made online, by 
telephone or in person from merchants using non-U.S. banks 
those transactions may be subject to International Service 
Assessment (ISA) transaction fees assessed by the processor 
of the transaction.  The Bank assesses no additional 
international fees.  
Unemployment, Disability and Life Credit Insurance:  If you 
are offered unemployment, disability and/or life credit 
insurance in connection with your Account, and you choose 
to purchase it through us, you authorize us to bill you its cost 
each month on your periodic statement and you agree to pay 
for it. Collection Costs and Attorneys’ Fees:  As permitted by 
applicable law, you agree to pay all court and other 
reasonable costs of collection actually incurred by us in the 
collection of any amounts you owe us under this Agreement 
in the event we refer your Account after it is in default to an 

attorney who is not our salaried employee to collect such 
amounts.  In no event shall the costs charged exceed any 
legal limitations. 
14.  Default:  Your Account will be in default and we can 
require that the outstanding balance be paid (a right of 
acceleration), if (1) you exceed the credit limit in effect on 
your Account; (2) you fail to pay any amount owed under this 
Agreement when due; or (3) your ability to pay us is 
materially impaired (including, but not limited to, bankruptcy 
or insolvency proceedings that are initiated by or against 
you).  We do not have to notify you or demand payment in 
order to take this action, unless applicable law requires that 
we give you a notice of a right to cure your default.  Your 
Account will not be accelerated in the event of default if not 
permitted by state law. 
15.  Cancellation:  We can at any time without prior notice 
cancel your privileges under this Agreement (and we can list 
your Card in warning bulletins).  We will notify you of a 
cancellation.  You agree that you will not try to make any 
Purchase or Balance Transfer or obtain any Cash Advance 
after you have been notified that your privilege to use the 
Card has been canceled.  You may cancel your Account at any 
time by notifying us and cutting all Cards issued on your 
Account in half.  You will remain liable for any charges made 
to your Account (by you, a joint Account cardholder, or 
anyone to whom you have lent, given, or had issued a Card 
on your Account) prior to your cutting all Cards in half and 
notifying us of the cancellation.  For any cancellation of your 
Account, we can require that you return to us all Cards issued 
on your Account. 
16.  No Security Interest:  If you now or in the future have 
other loans from us, collateral securing those other loans will 
also secure your obligations under this Agreement except for 
your household goods and your primary dwelling, and except 
as otherwise prohibited by law.   
17.  Credit Reporting:  You agree that a consumer credit 
report may be requested periodically from one or more 
consumer reporting agencies and used in connection with 
your application and any update, renewal or extension of 
credit on your Account.  If you request, you will be informed 
whether any consumer report was requested and, if so, of the 
name and address of the consumer reporting agency that 
furnished the report.  You agree that we may exchange credit 
information about you with others in connection with your 
application, your Account, and any credit we extend to you. 
18.  Foreign Currency Transactions:  All payments by you will 
be made in US dollars.  Charges incurred in currencies other 
than US dollars will be converted to US dollars at the rate in 
effect at the time such charges are converted by us or our 
agent or other authorized party making such conversion. 
Other International transaction fees may apply to foreign 
currency transactions as outlined in the International 
Transaction Fees section of this agreement. 
19.  Amendments to this Agreement:  We can amend any of 
the terms of this Agreement at any time, and we can set the 
effective date for any such amendment.  We will provide you 
with a written notice outlining the significant changes to your 

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25.  Disclaimer of Liability:  We offer the Card, the Account 
and related services in our own interests and disclaim any 
duty or responsibility other than those expressly set forth in 
this Agreement. 
Notices:   
All notices required to be given by us in connection with your 
Account shall be deemed to have been delivered on the day 
when they are deposited in the U.S. Mail. 
26.  VISA Rules and Regulations: Conflicts.  Cardholder and 
Issuer agree to abide by all applicable rules and regulations of 
VISA USA Inc (VISA) as applicable as well as all applicable laws 
and changes to them.  If there is any conflict between the 
provisions of this Agreement and the rules and obligations of 
VISA, the rules and regulations of VISA shall control. In order 
to continue to provide these services, VISA cards may not be 
used for any illegal transactions including but not limited to 
online internet gambling. Under Federal rules, the bank must 
have policies and procedures to block transactions that 
finance Internet gambling by credit cards. The Bank is 
permitted to rely on the procedures established by our credit 
card operators to block illegal gambling transactions. While it 
is up to these operators to determine their specific 
procedure, it is possible that they may not differentiate 
between lawful and unlawful gambling, choosing instead to 
block all gambling transactions. Customers should be aware 
that all illegal Internet gambling transactions are prohibited 
and cannot be processed through the bank. 
27. VISA Account Updater Service (VAU).  Your account is 
automatically enrolled in the Visa Account Updater Service 
(VAU). This service is provided by Visa as a benefit in order to 
facilitate uninterrupted processing of recurring charges you 
have authorized. Under the VAU service, we provide notice to 
Visa when your acre number or expiration date change (i.e., 
when renewing an expiring Card or Merchant compromise).  
If you have authorized a participating merchant to bill your 
Card for recurring payments, Visa notifies the merchant of 
your new Card number and expiration date. Card numbers 
are only supplied to merchants who participate in the VAU 
service. Because not all merchants participate in the VAU 
service, you should still notify each merchant when your Card 
number changes in order to permit recurring payments to 
continue to be charged to your account. 
If you would like to opt out of the VAU Service, please contact 
The Bank of Washington at 1-877-921-2432.  

account at least 45 days in advance of the change to the 
address provided by you for the mailing of your monthly 
statements.  The new terms will affect all outstanding 
balances to the extent allowed by law. You may reject the 
significant changes in terms within the 45 day period by 
calling 425-921-2432 or toll free 1-877-921-2432, or writing 
The Bank of Washington, 5901 196th Street SW, Lynnwood, 
WA 98036. If you reject changes in terms, your account will 
be closed and your ability to use the various features of the 
account will be terminated or suspended. Your account will 
remain open only for you to make monthly payments until 
the balance (if any) is paid in full. 
20.  When this Agreement becomes Effective:  This 
agreement becomes effective upon our approval of your 
account.      
21.  Delayed Enforcement; Severability:  We may delay 
enforcing our rights under this Agreement without losing any 
of them.  The invalidity of any provisions of this Agreement 
shall not affect the validity of any other provision.   
22.  Applicable Law:  The laws of the United States and the 
State of Washington apply to this Agreement and to your use 
of the Card and your Account. 
23.  Inquiries or questions:  You may address any billing 
errors, inquiries or questions which you have about your 
Account to: 
Customer Service 
PO Box 30495 
Tampa Florida 33630 
Or you may call us at 1-800-423-7503.  If you telephone 
instead of writing, you may lose certain rights the law gives 
you to dispute billing errors. 
24.  Liability for Unauthorized Use:  You may be liable for the 
unauthorized use of your Card.  You will not be liable for 
unauthorized use that occurs after you notify The Bank of 
Washington by writing to us at the above address or calling us 
at the above number, and notifying us of the loss, theft, or 
possible unauthorized use of your Card.  In any case, your 
liability for unauthorized use will not exceed $50.00.  You 
agree that anyone who is issued a Card for your Account (or 
anyone to whom you lend or give your Card) is authorized to 
make charges to your Account to the same extent as you and 
that such authority cannot be limited by you.  Such authority 
will continue until you revoke it by notifying us, obtaining the 
Card in your physical possession, and if it is a Card issued to 
an authorized user, by also cutting it in half and canceling the 
card in writing.   
Annual Membership Fees: If your account is a VISA Gold 
Card, the annual membership fee is $25 or if your account is a 
Classic VISA card, it is $12.  This fee may be waived if you 
have a qualifying banking package of services with The Bank 
of Washington. 
Replacement Card: You may notify us to request a 
replacement Card.   

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