CREDIT CARD ACCOUNT AGREEMENT 
                                AND FEDERAL DISCLOSURE STATEMENT 
           CREDIT  UNION 
                           THIS  IS  YOUR  CREDIT  CARD  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-
    P.O. Box 990 
    Bremerton, Washington 98337  LENDING DISCLOSURE STATEMENTS, VISA, VISA REWARDS AND VISA SIGNATURE CASH BACK AGREEMENTS, 
    (360) 662-2000  ?  (800) 422-5852  AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR  VISA, VISA REWARDS AND VISA SIGNATURE 
    FAX (360) 698-6614     CASH BACK CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ 
                           THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 
    Interest Rate and Interest Charges 
    Annual Percentage Rate (APR) 
                           VISA: ________% Introductory APR for ____ months 
    For Purchases               0.00                     12
                             After that Your APR will be 9.15-19.15 %, and will vary with the market based
                           the Prime Rate.    on
                           VISA Rewards: ________% Introductory APR for ____ months  0.00 12
                             After that Your APR will be 11.15-21.15 %, and will vary with the market
                             based on
                             the Prime Rate.
                           VISA Signature Cash Back: ________% Introductory APR for ____ months  0.00 12
                             After that Your APR will be 11.15-21.15 %, and will vary with the market
                             based on
                             the Prime Rate. 
    APR For Balance Transfers 
                           VISA: ________% Introductory APR for ____ months 0.00 12
                             After that Your APR will be 9.15-19.15 %, and will vary with the market based 
                             on the Prime Rate.
                           VISA Rewards: ________% Introductory APR for ____ months 0.00 12
                             After that Your APR will be 11.15-21.15 %, and will vary with the market based 
                             on the Prime Rate. 
                           VISA Signature Cash Back: ________% Introductory APR for ____ months 0.00 12
                             After that Your APR will be 11.15-21.15 %, and will vary with the market based 
                             on the Prime Rate.
    APR For Cash Advances 
                           VISA: 9.15-19.15 % 
                             This APR will vary with the market based on the Prime Rate.
                           VISA Rewards: 11.15-21.15 %
                             This APR will vary with the market based on the Prime Rate.
                           VISA Signature Cash Back: 11.15-21.15 %
                             This APR will vary with the market based on the Prime Rate.
    Paying Interest        Your due date is at least 25 days after the close of each billing cycle. We will not charge You 
                           interest on purchases if You pay Your entire balance owed by the due date each month. We 
                           will begin charging interest on cash advances and balance transfers on the transaction date. 
    For Credit Card Tips from the  To  learn  more  about  factors  to  consider  when  applying  for  or  using  a 
    Consumer Financial Protection  Credit Card, visit the website of the Consumer Financial Protection Bureau at 
    Bureau                 http://www.consumerfinance.gov/learnmore. 
    Fees 
    Transaction Fees 
     ? Balance Transfer    3.00% of each transfer ($10.00 minimum) 
     ? Foreign Transaction 2.00% of each foreign currency transaction in U.S. Dollars. 
                           1.80% of each U.S. Dollar transaction that occurs in a foreign country. 
    F  
    Penalty Fees 
     ? Late Payment        Up to $25.00 
     ? Returned Payment    Up to $28.00 
                 Please refer to TOP OF PAGE 2 for more important information about Your Account 
   Copyright Oak Tree Business Systems, Inc., 2015-2019. All Rights Reserved. Page 1 of 4 OTBS 016CC KITS_2 (6/19)  
   How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
   Account Agreement for details.  
   Billing  Rights:  Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your 
   Account Agreement. 
                    Please refer to PAGE 1 for more important information about Your Account 
   DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean KITSAP CREDIT UNION. The words "You" and "Your" mean each person 
   accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA, VISA Rewards, or VISA Signature 
   Cash Back Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the VISA, VISA Rewards, or VISA Signature Cash Back Credit Card 
   Account established for You under this Agreement. "Convenience Check" means the special Account access devices that We may provide for Your use from time to time. If 
   this is a joint Account, read singular pronouns in the plural. 
   PROMISE TO PAY. You understand that the following terms and conditions constitute Our Agreement with You. You may request advances on Your Account through a variety 
   of means which could include (but may not be limited to) telephonic requests, Convenience Checks, Credit Cards and the like. Regardless of the means by which any advance 
   is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for 
   use of Your Account, including Finance Charges and other fees or charges described herein. 
                                                       Monthly          ANNUAL 
                              Variable Rate 
    Credit Card Type                                 Periodic Rate   PERCENTAGE RATE 
                           Index      Margin 
                                                     for Purchases     for Purchases 
                                                                       9.15-19.15 %
    VISA                 _________  4.75 _________   ____________% 
    VISA Rewards         _________  4.75 _________   ____________%    11.15-21.15 %
    VISA Signature Cash Back  _________  4.75 _________  ____________%  11.15-21.15 %
                                                       Monthly          ANNUAL 
                              Variable Rate 
    Credit Card Type                                 Periodic Rate   PERCENTAGE RATE 
                           Index      Margin 
                                                   for Balance Transfers  for Balance Transfers 
                                                                       9.15-19.15 %
    VISA                 _________  4.75 _________   ____________% 
    VISA Rewards         _________  4.75 _________   ____________%    11.15-21.15 %
    VISA Signature Cash Back  _________  4.75 _________  ____________%  11.15-21.15 %
                                                       Monthly          ANNUAL 
                              Variable Rate 
    Credit Card Type                                 Periodic Rate   PERCENTAGE RATE 
                           Index      Margin 
                                                    for Cash Advances  for Cash Advances 
                                                                       9.15-19.15 %
    VISA                 _________  4.75 _________   ____________% 
    VISA Rewards         _________  4.75 _________   ____________%    11.15-21.15 %
    VISA Signature Cash Back  _________  4.75 _________  ____________%  11.15-21.15 %
   USE OF YOUR CARD. You may use Your Card to buy goods and services in any  at any time without penalty. You also understand that You will only be charged periodic 
   place that it is honored and to get cash advances at participating financial institutions.  Finance Charges to the date You repay Your entire balance. You may make larger 
   You agree not to use Your Card for illegal transactions including, but not limited to,  payments without penalty. Any partial payment or prepayment will not delay Your next 
   advances made for the purpose of gambling and/or wagering where such practices  scheduled payment. All payments to Us must be in lawful money of the United States. 
   are in violation of applicable state and/or federal law.  We may apply each payment to whichever Card We wish. Except as required by law, 
                                            We may apply payments at Our discretion. Any unpaid portion of the Finance Charge 
   SECURITY. Collateral (other than household goods or any dwelling) given as security  will be paid by subsequent payments and will not be added to Your principal balance. 
   under any other loan You may have with Us will secure all amounts You owe Us now  You understand that any delay in the repayment of Your unpaid balance will increase 
   and in the future if that status is reflected in the "Truth-in-Lending Disclosure" in any  Your periodic Finance Charges and any acceleration in the repayment of Your unpaid 
   particular Agreement evidencing such debt.  balance will decrease Your periodic Finance Charges. 
   CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your  VISA, VISA Rewards and VISA Signature Cash Back Minimum Payments will be an 
   shares with Us (except for IRA and Keogh accounts) and any dividends due  amount equal to 2.00% of Your new unpaid balance at the end of each billing cycle, 
   or to become due to You from Us to the extent You owe on any unpaid Credit  subject to the lesser of $25.00 or Your balance, plus any portion of the Minimum 
   Card balance.                            Payments shown on prior statement(s) which remains unpaid, plus any amount that 
                                            exceeds Your approved Credit Limit. 
   LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which 
   You are approved. Unless You are in default, the Credit Limits established for You will  You may, by separate agreement, authorize Us to charge Your payment directly to 
   generally be self-replenishing as You make payments. You will keep Your unpaid  Your share or share draft account. 
   balance within Your Credit Limit set by Us, and You will pay any amount over Your 
   Credit Limit on Our demand whether or not We authorize the advances which caused  FINANCE CHARGES. In the case of any transactions under Your Account, the 
   You to exceed Your Credit Limit. Even if Your unpaid balance is less than Your Credit  balances subject to the periodic Finance Charge are the average daily transactions 
   Limit, You will have no credit available during any time that any aspect of Your Account  balances outstanding during the month (including new transactions). To get the 
   is in default.                           average daily balance, We take the beginning balance of Your Account each day, add 
                                            any new purchases, balance transfers, cash advances, debit adjustments or other 
   JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the  charges and subtract any payments, credits and unpaid Finance Charges. This gives 
   repayment of any amounts owed. If any Account access device, such as a Personal  Us the daily balance. Then, We add up all the daily balances for the billing cycle and 
   Identification Number (PIN) is requested and approved, You understand that any such  divide them by the number of days in the billing cycle. The Finance Charge for a billing 
   Account access device(s) will be mailed only to the primary Borrower at the address  cycle is computed by multiplying the average daily balance subject to a Finance 
   that We have on file for You. We may refuse to follow any instructions which run  Charge by the applicable Monthly Periodic Rate. 
   counter to this provision. 
                                            You can avoid Finance Charges on purchases by paying the full amount of the entire 
   MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only  balance owed each month within 25 days of Your statement closing date. Otherwise, 
   pay the Minimum Monthly Payments, You understand that You have the right to repay  the new balance of purchases, and subsequent purchases from the date they are 
   Copyright Oak Tree Business Systems, Inc., 2015-2019. All Rights Reserved. Page 2 of 4 OTBS 016CC KITS_2 (6/19)  
   posted to Your Account, will be subject to a Finance Charge. Balance transfers and  OTHER FEES AND CHARGES. You will be charged the following fees associated with 
   cash advances are always subject to a Finance Charge from the later of the date they  the use of Your Card: (a) the lesser of $28.00 or the required minimum payment amount 
   are posted to Your Account or from the first day of the billing cycle in which the  for the returned payment for any check (or other negotiable instrument used for payment) 
   transaction is posted to Your Account.   which is returned unpaid; (b) a balance transfer fee FINANCE CHARGE equal to the 
                                            greater of 3.00% of each transfer or $10.00; and (c) $5.00 for each replacement Card  
   For VISA, purchase transactions obtained during the _____ day period immediately  You request. 
   following the date that Your Account is established, will accrue finance charges at an 
   introductory  Monthly  Periodic  Rate  of  _____________%  (corresponding  to  an  OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in 
   ANNUAL PERCENTAGE RATE of _____________%) until ___________________.  such increments as We may from time to time determine) to Your share draft account 
   Upon the expiration of the introductory rate period, the entire balance of purchase  by an advance on Your Account, subject to this provision, to clear any overdraft on 
   transactions existing at that time and in the future will accrue finance charges at the  Your share draft account. Whether or not such transfers occur will be controlled by 
   non-introductory variable rate described elsewhere in this Agreement.  this Agreement. In any event, You hold Us harmless for any and all liability which 
                                            might otherwise arise if the transfer does not occur. Overdraft protection automatically 
   For VISA Rewards, purchase transactions obtained during the _____ day period  ceases if this Agreement is ever cancelled or terminated or Your Account is in default. 
   immediately following the date that Your Account is established, will accrue finance 
   charges  at  an  introductory  Monthly  Periodic  Rate  of  _____________%  PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing all 
   (corresponding to an ANNUAL PERCENTAGE RATE of _____________%) until  transactions on Your Account including amounts paid and borrowed since Your last 
   ___________________. Upon the expiration of the introductory rate period, the  statement. We will mail You a statement each month in which there is a debit or credit 
   entire balance of purchase transactions existing at that time and in the future will  balance or when a Finance Charge is imposed. We need not send You a statement if 
   accrue finance charges at the non-introductory variable rate described elsewhere  We feel Your Account is uncollectible or if We have started collection proceedings 
   in this Agreement.                       against You because You defaulted. EACH STATEMENT IS DEEMED TO BE A 
                                            CORRECT  STATEMENT  OF  ACCOUNT  UNLESS  YOU  ESTABLISH  A  BILLING 
   For VISA Signature Cash Back, purchase transactions obtained during the _____ day  ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT. 
   period immediately following the date that Your Account is established, will accrue 
   finance  charges  at  an  introductory  Monthly  Periodic  Rate  of  _____________%  OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no 
   (corresponding to an ANNUAL PERCENTAGE RATE of _____________%) until  obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check, 
   ___________________. Upon the expiration of the introductory rate period, the  You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks have been 
   entire balance of purchase transactions existing at that time and in the future will  reported lost or stolen; (3) Your Account has been cancelled or has expired. If a 
   accrue finance charges at the non-introductory variable rate described elsewhere  postdated Convenience Check is paid and, as a result, any other Convenience Check is 
   in this Agreement.                       returned unpaid, We are not responsible for any resulting loss or liability. 
   For VISA, except for any credit You currently owe to Us, balance transfer transactions  DEFAULT. You will be in default if: (a) You do not make any payment or perform any 
   obtained during the _____ day period immediately following the date that Your  obligation under this Agreement, or any other agreement that You may have with Us; 
   Account is established, will accrue finance charges at an introductory Monthly Periodic  or (b) You should die, become involved in any insolvency, receivership or custodial 
   Rate of _____________% (corresponding to an ANNUAL PERCENTAGE RATE of  proceeding brought by or against You; or (c) You have made a false or misleading 
   _____________%)  until  ___________________.  Upon  the  expiration  of  the  statement in Your credit application and/or in Your representations to Us while You 
   introductory rate period, the entire balance of balance transfers existing at that time  owe money on Your Account; or (d) A judgment or tax lien should be filed against You 
   and in the future will accrue finance charges at the non-introductory variable rate  or any attachment or garnishment should be issued against any of Your property or 
   described elsewhere in this Agreement.   rights, specifically including anyone starting an action or proceeding to seize any of 
                                            Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability 
   For VISA Rewards, except for any credit You currently owe to Us, balance transfer  to repay Your indebtedness hereunder is or soon will be impaired, time being of the 
   transactions obtained during the _____ day period immediately following the date that  very essence. 
   Your Account is established, will accrue finance charges at an introductory Monthly 
   Periodic Rate of _____________% (corresponding to an ANNUAL PERCENTAGE  Upon any occurrence of default, We may, to the extent permitted by law, cancel Your 
   RATE of _____________%) until ___________________. Upon the expiration of the  rights under this Agreement, require the return of all access devices and declare the 
   introductory rate period, the entire balance of balance transfers existing at that time  entire balance of every Feature Category of Your Account immediately due and 
   and in the future will accrue finance charges at the non-introductory variable rate  payable, without prior notice or demand. 
   described elsewhere in this Agreement. 
                                            COLLECTION COSTS. In the event collection efforts are required to obtain payment 
   For VISA Signature Cash Back, except for any credit You currently owe to Us, balance  on this Account, to the extent permitted by law, You agree to pay all court costs, 
   transfer transactions obtained during the _____ day period immediately following the  private process server fees, investigation fees or other costs incurred in collection and 
   date that Your Account is established, will accrue finance charges at an introductory  reasonable attorneys� fees incurred in the course of collecting any amounts owed 
   Monthly  Periodic  Rate  of  _____________%  (corresponding  to  an  ANNUAL  under this Agreement or in the recovery of any Collateral. 
   PERCENTAGE RATE of _____________%) until ___________________. Upon the 
   expiration of the introductory rate period, the entire balance of balance transfers  ENFORCEMENT. We do not lose Our rights under this or any related agreement if We 
   existing  at  that  time  and  in  the  future  will  accrue  finance  charges  at  the  non- delay enforcing them. We can accept late payments, partial payments or any other 
   introductory variable rate described elsewhere in this Agreement.  payments, even if they are marked "paid in full" without losing any of Our rights under 
                                            this Agreement. If any provision of this or any related agreement is determined to be 
   VARIABLE RATE. Following the expiration of any Introductory Rate period, all  unenforceable or invalid, all other provisions remain in full force and effect. 
   transactions are subject to a Variable Rate which is based on the highest Prime Rate 
   as published in the Money Rates section of the Wall Street Journal in effect on the  NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or 
   Friday preceding the 27th day of March, June, September, and December of each  otherwise have a change of address. 
   year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. 
   Changes in the Index will cause changes in the Interest Rate  on the day any  CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
   Introductory Rate period expires, and subsequently, on the 1st business day of the  delivering to You written notice of the changes as prescribed by the Federal Truth-In-
   calendar  quarter  that  immediately  follows  a  change  in  the  Index.  Increases  or  Lending Act. To the extent permitted by law, the right to change the terms of this 
   decreases in the Interest Rate will cause like increases or decreases in the Finance  Agreement includes, but is not limited to, the right to change the periodic rate 
   Charge and will affect the number of Your scheduled payments.  applicable to Your unpaid balance and/or future advances. 
   LATE CHARGE. If Your payment is more than 15 days late, You will be charged the  CREDIT INSURANCE. Credit insurance is not required for any extension of credit 
   lesser of: (a) $25.00; or (b) the amount of the minimum payment due.  under this Agreement. However, You may purchase any credit insurance available 
                                            through Us and have the premiums added to Your outstanding balance. If You elect 
   FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries and  to do so, You will be given the necessary disclosures and documents separately. 
   foreign currencies, the exchange rate between the transaction currency and the billing 
   currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of rates  INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
   available in wholesale currency markets for the applicable central processing date,  Disclosure - Federal Truth-In-Lending Act," which is delivered together with this Agreement 
   which rate may vary from the rate VISA itself receives; or (b) the government- or at a later date becomes an integrated part of this Agreement and Disclosure. 
   mandated rate in effect for the applicable central processing date. For transactions 
   that are initiated in a foreign currency, You will be charged 2.00% of the final  CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. 
   settlement amount. For transactions occurring in foreign countries and initiated in U.S.  By signing the application; or by using Your Account or any Account access device; 
   Dollars, You will be charged 1.80% of the final settlement amount.  or by authorizing another to use Your Account, You agree to and accept its terms. 
   Copyright Oak Tree Business Systems, Inc., 2015-2019. All Rights Reserved. Page 3 of 4 OTBS 016CC KITS_2 (6/19)  
   UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts  ? Description of problem: If You think there is an error on Your bill, describe what
   to update information contained in Your original Account application or other financial  You believe is wrong and why You believe it is a mistake.
   information related to You, at Our request. You also agree that We may, from time to 
   time, as We deem necessary, make inquiries pertaining to Your employment, credit  You must contact Us: 
   standing  and  financial  responsibility  in  accordance  with  applicable  laws  and 
   regulations. You further agree that We may give information about the status and  ? Within 60 days after the error appeared on Your statement.
   payment history of Your Account to consumer credit reporting agencies, a prospective  ? At least three business days before an automated payment is scheduled, if You
   employer or insurer, or a state or federal licensing agency having any apparent  want to stop payment on the amount You think is wrong.
   legitimate business need for such information.  
                                            You must notify Us of any potential errors in writing. You may call Us, but if You do 
   TERMINATION. Either You or We may cancel Your Account at any time, whether or  We are not required to investigate any potential errors and You may have to pay the 
   not You are in default. You will, in any case, remain liable to pay any unpaid balances  amount in question. 
   according to the terms of Your Account. 
                                                    What Will Happen After We Receive Your Letter 
   OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
   time without notice. You agree to surrender Your Card and to discontinue its use  When We receive Your letter, We must do two things: 
   immediately upon Our request.            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.
   ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. A Personal Identification  2) Within 90 days of receiving Your letter, We must either correct the error or
   Number (PIN) for use with participating Automated Teller Machines (ATMs) will be  explain to You why We believe the bill is correct.
   issued. This PIN is confidential and should not be disclosed to anyone. You may use 
   Your PIN to access Your Account and all sums advanced will be added to Your  While We investigate whether or not there has been an error: 
   Account balance. In the event a use of Your PIN constitutes an Electronic Fund 
   Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement may  ? We cannot try to collect the amount in question, or report You as delinquent on
   also affect Your rights.                    that amount.
                                            ?  The charge in question may remain on Your statement, and We may continue
   EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other  to charge You interest on that amount.
   slips You may sign or receive when using Your Card contain terms, this Agreement is  ? While You do not have to pay the amount in question, You are responsible for
   the contract which solely applies to all transactions involving the Card.  the remainder of Your balance.
                                            ?  We can apply any unpaid amount against Your Credit Limit.
   UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
   You will not be liable for the unauthorized use that occurs after You notify Us of the  After We finish Our investigation, one of two things will happen: 
   loss, theft, or possible unauthorized use by calling Us at (800) 422-5852 or by writing 
   to Us at P.O. Box 990, Bremerton, Washington 98337. In any case, Your liability will  ? If We made a mistake: You will not have to pay the amount in question or any
   not exceed $50.00.                          interest or other fees related to that amount.
                                            ?  If We do not believe there was a mistake: You will have to pay the amount in
   REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for  question, along with applicable interest and fees. We will send You a statement
   the refusal or inability of merchants, financial institutions and others to accept the  of the amount You owe and the date payment is due. We may then report You
   Cards or Convenience Checks, or electronic terminals to honor the Cards or complete  as delinquent if You do not pay the amount We think You owe.
   a Card withdrawal, or for their retention of the Cards or Convenience Checks. 
                                            If You receive Our explanation but still believe Your bill is wrong, You must write to Us 
   TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic 
                                            within 10 days telling Us that You still refuse to pay. If You do so, We cannot report 
   terminal or financial institution at which transactions were made, but sales, cash 
                                            You as delinquent without also reporting that You are questioning Your bill. We must 
   advances, credit or other slips cannot be returned with the statement. 
                                            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 
   LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards  
                                            not follow all of the rules above, You do not have to pay the first $50.00 of the amount 
   or Convenience Checks, You will immediately call Us at (800) 422-5852 or write to Us 
                                            You question even if Your bill is correct. 
   P.O. Box 990, Bremerton, Washington 98337. 
                                               Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
   CREDITS. If a merchant who honors Your Card gives You credit for returns or 
   adjustments, they will do so by sending Us a slip which will be posted to Your Account. 
                                            If You are dissatisfied with the goods or services that You have purchased with Your 
   If Your credits and payments exceed what You owe Us, We will hold and apply this 
                                            Credit Card, and You have tried in good faith to correct the problem with the merchant, 
   credit against future purchases and cash advances, or if it is $1.00 or more refund it 
                                            You may have the right not to pay the remaining amount due on the purchase. To use 
   on Your written request or automatically deposit it to Your share account after 
                                            this right, all of the following must be true: 
   6 months.   
   GOVERNING LAW. This Agreement is controlled and governed by the laws of the  1) The purchase must have been made in Your home state or within 100 miles of
   State of Washington, except to the extent that such laws are inconsistent with  Your current mailing address, and the purchase price must have been more than
   controlling federal law.                    $50.00. (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
         Your Billing Rights: Keep this Document for Future Use  the goods or services.)
                                            2) You must have used Your Credit Card for the purchase. Purchases made with
   This notice tells You about Your rights and Our responsibilities under the Fair  cash advances from an ATM or with a check that accesses Your Credit Card
   Credit Billing Act.                         account do not qualify.
                                            3) You must not yet have fully paid for the purchase.
         What To Do If You Find A Mistake On Your Statement 
                                            If all of the criteria above are met and You are still dissatisfied with the purchase, 
   If You think there is an error on Your statement, write to Us at P.O. Box 990,  contact Us in writing at Our address shown in this Agreement. 
   Bremerton, Washington 98337. In Your letter, give Us the following information: 
                                            While We investigate, the same rules apply to the disputed amount as discussed above. 
   ? Account information: Your name and Account number. After We finish Our investigation, We will tell You Our decision. At that point, if We think 
   ? Dollar amount: The dollar amount of the suspected error.   You owe an amount and You do not pay, We may report You as delinquent.
   Copyright Oak Tree Business Systems, Inc., 2015-2019. All Rights Reserved. Page 4 of 4 OTBS 016CC KITS_2 (6/19)