VISA Cardholder Agreement 
Terms and Conditions and Truth in Lending Disclosure 

This Credit Card Agreement governs the Mountain Pacific Bank 
VISA Platinum Card.  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 Card 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).  
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. 
2.  Obtaining Credit Without a Card.  If you or someone you 
authorize to use your Account signs a sales slip, obtains a Cash 
Advance, or gives your Account number to make a Purchase or 
obtain a 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. 
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 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 
statements except those noted below.  Accounts with a zero 
balance and no activity will not receive a statement.  An 
account with a credit balance over $1.00 will receive 6 
statements reflecting this balance.  An account with a balance 
(positive or negative, excluding unpaid finance charges) of 
less than $1.00 will receive one statement reflecting this 
balance.  You agree to notify us if you do not receive any 
particular statement. 
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.  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 
monthly payment is three percent (3%) of the outstanding 
balance of your Account with a minimum payment of $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: Cash 
Advance Finance Charges, Retail Purchases Finance Charges, 
Cash Advance Fees Billed, Retail Purchase Fees Billed, Cash 
Advance Minimum Payment Due, Retail Purchase Minimum 
Payment Due, Cash Advance Previous Balance, Retail Purchases 
Previous Balance, New Cash Advance Activity, New Retail 
Purchase Activity, 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 Charges.  Finance charges on your Account will be 
determined by applying a periodic rate to an average daily 
balance and assessing transaction fees.  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 
determined by dividing the sum of the daily balances during the 
billing cycle by the number of days in the cycle.  The average 
daily balance is then multiplied by its monthly periodic rate.  The 
results of these calculations are then added together to determine 
this portion of the finance charge. 
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  Annual Percentage Rate is fixed 
at 12% on purchases and 15% on Cash Advances 
Finance Charges Accrual and Grace Period.  To avoid 
incurring an additional Finance Charge on the balance of  Credit 
Purchases and on any new Credit Purchases appearing on your 
next statement, you must pay the New Balance shown on the 
statement on or before the Payment Due Date.  The Finance 
Charge for a billing cycle are computed by applying the monthly 
Periodic Rate to the average daily balance of Credit Purchases 
which is determined by dividing the sum of the sum of the daily 
balances during the billing cycle by the number of days in the 
cycle.  Each daily balance is determined by adding to the 
Previous Balance of Credit Purchases any new Credit Purchases 
posted to your account and subtracting any payments as received 
and credits as posted 

to your account, but excluding any unpaid Finance Charges.  
Subject to the above, the grace period for the New Balance of 
Credit Purchases extends to the Payment Due Date.  To avoid 
incurring an additional Finance Charge on the balance of 
Cash Advances you must pay the New Balance shown on the 
statement on or before the Payment Due Date.  The Finance 
Charges for a billing cycle are computed by applying the 
monthly Periodic Rate to the average daily balance of Cash 
Advances, which is determined by dividing the sum of the 
daily balances during the billing cycle by the number of days 
in the cycle.  Each daily balance of Cash Advances is 
determined  by dividing the sum of the daily balances during 
the billing cycle by the number of days in the cycle.  Each 
daily balance of Cash Advances is determined by adding to 
the Previous Balance of Cash Advances, any new Cash 
Advances as of the transaction date or the date or the first day 
of the billing cycle in which is posted,  whichever is later, and 
subtracting any payments as received and credit as posted to 
your account, but excluding any unpaid Finance Charges.  
Subject to the above, no grace period is provided on Cash 
Advances. 
13.  Other Charges. 
Late Payment Charges.  For any minimum monthly periodic 
payment which is not paid within 10 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, late payment charge is $20.00  
 Cash Advance Fee: For each Cash Advance we assess a 
Cash Advance fee of 3%, with a minimum charge of $10.00 
and a maximum charge of $50.00.  
On Business Accounts a $20 over limit fee may be assessed if 
the balance is 5% above extended credit. 
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.  Demand of Payment 
If you are an insider, pursuant to Federal law, and 
notwithstanding any other provision of the Note or Credit 
Agreement, this extension of credit will become due and 
payable at the option of the Lender at any time Borrower 
becomes indebted to any and all other banks in an aggregate 
amount greater than the amount the borrower would be 
permitted to borrow under the provisions in the federal statues 
governing loans to insiders.  
17.  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.  
 18.  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. 
19.  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. 
20.  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 at least 30 days written notice 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. 
21.  When this Agreement becomes Effective.  This agreement 
becomes effective upon our approval of your account.      
22.  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.   
23.  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. 

24.  Inquiries or questions.  You may address any billing 
errors, inquiries or questions which you have about your 
Account to: 
Customer Service 
PO Box 30310 
Tampa Florida 33630 
or you may call us at 425-263-3500.  If you telephone instead 
of writing, you may lose certain rights the law gives you to 
dispute billing errors. 
25.  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 Mountain 
Pacific Bank 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. Your account is a VISA 
Platinum, the annual membership fee is $20.  This fee may be 
waived if you  have a  qualifying banking package of services 
with Mountain Pacific Bank.  This may also be waived if 
annual purchases exceed $500 or when card is used for 
purchases at least 12 times during the year. 
Replacement Card.  You may notify us in the event you 
request a replacement Card.   
26.  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. 
27. 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.