The Bank of Washington 
Cardholder Agreement – Terms and Conditions and Truth in Lending Disclosure 

This Credit Card Agreement governs the following 
accounts: VISA Classic, & 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. 
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 Mail Your Payments to:” will be credited as of 
the date of receipt to the account specified on the payment 

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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 p.m. 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 (3.2717) is: VISA Gold Card - 11.90% and VISA 
Classic Card - 13.90%. 
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 

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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 
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. 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 

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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 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 in the event you 
request a replacement Card.   
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. 

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