Credit Card Agreement Visa Platinum Rewards

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1 Credit Card Agreement Visa Platinum Rewards Part I: Interest Rates and Interest Charges Visa Platinum Annual Percentage Rate (APR) for Purchases 8.25% to 13.25% This APR will vary with the market based on the Prime Rate. APR for Balance Transfers 8.25% to 13.25% This APR will vary with the market based on the Prime Rate. APR for Cash Advances 8.25% to 13.25% This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies How to Avoid Paying Interest on Purchases None We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month. Your due date is at least 25 days on average after the close of each billing cycle. Minimum Interest Charge If you are charged interest, the charge will be no less than $0.00 For Credit Card Tips from the Federal Reserve Board Fees Annual Fee $25.00 Transaction Fees To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board at Visa Platinum Balance Transfer 3.0% of the transaction amount; $10 minimum Cash Advances 3.0% of the transaction amount; $10 minimum Foreign Transaction 1.00% of the transaction amount; no minimum Penalty Fees Late Payment $25.00 Over the Credit Limit None Returned Payment $25.00 Other Fees None How We Will Calculate Your Balance: We use a method called average daily balance (excluding new purchases). See Part II of this Credit Card Agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided Part II of this Credit Card Agreement. Variable Rate Information: The Prime Rate used to determine your APR is published in the Wall Street Journal. The APR is determined by adding a margin of 5.00% to 10.00% to the Prime Rate. Your actual rate is based on our evaluation of your credit. Page 1 of 6 Rev 08/14

2 Part II Introduction. Variable Periodic Rate. Credit Purchases. Cash Advances. This is a cardmember agreement and disclosure statement ( Agreement ) between you and Skagit Bank containing the terms that will apply to your Visa Platinum Rewards Credit Card Account ( Account ). In this Agreement, you, your, and Cardholder means each individual responsible for the Account. We, us, our and Issuer means Skagit Bank, the issuer of the Card and your Your Account has a variable rate feature, and the Annual Percentage Rate will be determined and will vary based upon an Index plus the Rate Margin. Your variable Annual Percentage Rate is also subject to a maximum Annual Percentage Rate. The determination of the Annual Percentage Rate for your account is derived by adding the Rate Margin to the value of the Index that is in effect on the first business day of the month in which the billing cycle begins, then rounding it up to the next 1/100 th of 1 percentage point that is divisible by 12. If the Index or the Rate Margin increases, the Annual Percentage Rate will increase and your Periodic Minimum Payment may increase. If the Index or the Rate Margin decreases, the Annual Percentage Rate will decrease, and your Periodic Minimum Payment may decrease. The Index shall be the Prime Rate as You may use the Account to buy, lease or otherwise obtain goods or services from participating merchants (including transactions you initiate by mail, telephone or over the Internet). Even if you have not signed a sales draft or the merchant has not Advances are transactions other than Purchases that allow you direct access to funds available through your Account. Advances may include Account transactions such as cash advances you obtain directly from us, automated teller machines ( ATMs ) or other participating financial institutions ( Cash Advances ). ATM and financial institution Advances include phone (automated phone system and 24 hour customer service assisted) and Internet Account creditor. Please read this Agreement carefully and keep it in a safe place to make the best use of the credit cards we issue with this Account ( Card ). The Agreement becomes effective as soon as you or someone authorized by you uses the Card or Account, but no later than 30 calendar days after we issue and you fail to return the Card. published in the Money Rates Section of The Wall Street Journal each week. The Rate Margin (spread) is the percentage amount, which is added to the Index to arrive at the Annual Percentage Rate. The Rate Margin is determined upon our evaluation of your creditworthiness. Your actual Rate will be disclosed in your Credit Card Approval Letter. The Annual Percentage Rates in effect and any subsequent changes will appear on your monthly statement. Any changes in your Annual Percentage Rate will apply to all outstanding balances. Variable Periodic Rate Information as of 2/1/14 Index Rate 3.25% Rate Margin 5.00% 10.00% Maximum APR 18.00% supplied you with a written receipt or other proof of sale, you are responsible for all Purchases made through your Account, except as expressly limited by applicable law (see Your Billing Rights section for more details). transfers. Advances also include some Balance Transfers, Statement Checks, and Cash Equivalent Advances. Cash Equivalent Advances include transactions to acquire or initiate wire transfers, traveler s checks, cashier s checks, money orders, and foreign cash transactions. Monthly Account statements we issue may refer to Advances as an Advance, Cash, Cash Advances, or by the product or device you used to obtain an Advance. Page 2 of 6 Rev 08/14

3 Statement Checks. Finance Charge Calculation Methods: Cash Advances. Finance Charge Calculation Methods: Credit Purchases. Minimum Periodic Payment. Monthly Statements. From time to time, we may supply Statement Checks for use by the person(s) or drawer named on those checks. Statement Checks are drafts that look like other checks, but are drawn on credit available in your Account. Statement Checks may not be offered for all Account types. We will, in connection with any Statement Check we provide, include Offer Materials that will explain whether the Statement Check will post and be treated as an Advance or a Balance Transfer. Statement Checks must be written in U.S. dollars. A Finance Charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the Cash Advance is posted to your Account, whichever is later, and will continue to accrue until the date of payment. A Finance Charge will be imposed on Credit Purchases from the date the Credit Purchase is posted to your account and will continue to accrue until the date of payment. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the billing cycle during which such transactions are posted to your Account within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your monthly statement within that 25 day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the statement closing date (but not on Credit Purchases posted during the current billing period) and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date If the New Balance on your Account is less than $25, the minimum required payment will be the full balance. If the New Balance on your Account is greater than $25, the minimum periodic payment required is 2.5% of the New Balance OR $25, Issuer will send to Cardholder at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period all Visa Card and Related Card transactions. Such statement shall be deemed correct We may return a Statement Check unpaid if: (a) The credit available under your Credit Limit is less than the Statement Check amount; (b) The Account is in default; (c) The Account has not been activated; or (d) The Statement Check is improperly endorsed or otherwise fails to conform to our regularly accepted standards for check payment. Statement Checks may not be used to pay your Account or any obligation you owe us. daily balance, which is determined by dividing the sum of the daily balance during the billing cycle by the number of days in the cycle. Each daily balance is determined by adding to the Previous Balance (the outstanding balance of your Account at the beginning of the billing cycle) any new Cash Advances received and any new Credit Purchases posted to your Account, and subtracting any payments as received or credits as posted to your account but excluding any unpaid Finance Charges. of payment if more than 25 days from the closing date. We calculate the interest charge on your account by applying the periodic rate to the average daily balance of your account. To get the average daily balance we take the beginning balance of your account each day, and add any new [purchases/advances/fees], subtract [any unpaid interest or other finance charges and] any payments or credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide by the total number of days in the billing cycle. This gives us the average daily balance. whichever is GREATER. In addition to the minimum periodic payment you will also be required to pay the entire portion of the New Balance in excess of your credit limit and any past due amounts. and accepted by Cardholder and all holders of Related Cards unless Issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay such statement by remitting to Page 3 of 6 Rev 08/14

4 Monthly Statements. (cont d) Other Fees and Charges. Issuer within 25 days from the closing date reflected on the statement either the full amount billed for or at Cardholder's option, an installment equal to at least the required Minimum Periodic Payment disclosed above. All Cardholder purchases will be made in U.S. dollars. Charges incurred in currencies other than U.S. dollars will be converted to U.S. Late Charge. If a payment of at least the amount of the minimum required payment is not received within 10 days after the Closing Date subsequent to the Payment Due Date, a Late Payment Fee of $25.00 shall be imposed. Document Fee. If a copy of any monthly statement, sales draft or similar document is provided by Issuer at Cardholder's request (other than in connection with billing error inquiries or resolution), a Document Fee in the amount of $2.00 for a monthly statement and $2.00 for a sales draft or any other document may be imposed. Express Delivery Fee. If you wish to have your card send Express Delivery, a fee of $50.00 shall be imposed. dollars at the rate in effect at the time such charges are converted by the Issuer, its agent or other authorized party making such conversion. A foreign currency conversion fee in the amount of 1% of the purchase amount will be imposed on such transactions (all such Cards bearing the same Visa account number shall be hereinafter collectively be called "Related Cards"). Returned Payment Fee. A Returned Check Fee in the amount of $25.00 will be imposed for each check (either paper or electronic) used in payment on the Credit Card account which is subsequently returned unpaid by the bank on which it is drawn. Replacement Card Fee. In the event any additional or replacement cards are issued for any reason other than the issuance of a renewal card, a fee in the amount of $5.00 may be imposed. Annual Fee. A non refundable annual membership fee of $25.00 shall be charged to your account. This fee is for membership in Issuer's credit card plan. Additional charges, plus applicable taxes, may also be assessed against the Cardholder as allowed by Regulation Z (The Truth in Lending Act) and state law. Cardholder Liability for All Charges. Cardholder Liability for Unauthorized Use. Cardholder shall be liable and agrees to pay Issuer for Credit Purchases made by, or for Cash Advances extended to, Cardholder or anyone else using such Card unless the use of such Card is by a person other than the Cardholder: (a) Who does not have actual, implied or apparent authority for such use; AND (b) From which Cardholder receives no benefit. Cardholder may be liable for the unauthorized use of the Card or Related Cards as provided in this paragraph. The Cardholder will not be liable for any unauthorized use that occurs after Issuer is notified, orally or in writing at: Credit Card Security, PO Box 30495, Tampa, FL or If Cardholder has a consumer Account or a Business Additionally, Cardholder shall be jointly and severally liable and agrees to pay for all Credit Purchases and Cash Advances obtained through the use of any other Card bearing Cardholder's account number that has been issued to another person by reason of such person being a member of Cardholder's family, or otherwise issued upon Cardholder's request. Account for which less than 10 cards have been issued. Cardholder's liability for unauthorized use of a card will not exceed $ If 10 or more cards are issued for use by employees of a single business or other organization, there is no limit to Cardholder's liability on its employees for unauthorized use of a Card as authorized by Federal Law and regulation. Property of Issuer. Each Card is the property of Issuer, is not transferable, and must be surrendered upon demand. Each Card can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof revoked, at any time without prior notice. Page 4 of 6 Rev 08/14

5 No Liability For Refusal To Honor Card. Default. Attorney's Fees. All Credit Purchases and Cash Advances are affected at the option of the Seller and Cash Advancing Bank, respectively, and Issuer shall not be responsible for refusal by any Seller or Cash Advancing Bank to honor the Card or any Related Card. Any refund, You will be in Default under this Agreement if any one or more of the following should occur: (a) You do not make the proper payment when due. (b) You become the subject of a voluntary or involuntary bankruptcy proceeding or other proceeding for the relief of debtors. (c) Any bank account or other property of yours is subject of an attachment, execution, or other levy. (d) You are in Default under the terms and conditions of this or any note, agreement, or contract with us or any other creditor. (e) We determine that you are no longer credit worthy. Cardholder agrees to pay all costs incurred by Issuer in collecting Cardholder's indebtedness or in enforcing this agreement, including attorney's fees and costs, as well as those costs, expenses and adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be shown as a credit on Cardholder's account statement with Issuer. (f) If your checking account, or any checking account substituted for it, is closed by you or by us. (g) You become deceased. If you are in Default, we can then refuse to extend more credit to you under this Agreement and/or demand that you pay the outstanding balance under your Account at once. After Default, you agree to continue to carry out all of the terms of this Agreement and any changes under it until your Account is fully repaid. If you do not do so, or if we cancel your Account because you are in Default, we can declare the outstanding balance of your Account immediately due and payable without prior notice. attorney's fees incurred in appellate, bankruptcy and post judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law. Monitoring. In order to maintain quality service in its authorizations, security, customer service and other departments that have need to communicate with Cardholder from time to time, Issuer or its agents may monitor any telephone communications between Issuer s or its agent's employees in those departments and Cardholder, without further notice or disclosure. Modifications to Agreement. Visa Rules and Regulations. Applicable Law. Issuer may amend or modify these terms at any time, effective forty five (45) days after written notice thereof is mailed to Cardholder at Cardholder's last known address, unless Cardholder advises Issuer of their decision to opt out. Any changes in these terms, including, without limitation, changes in the Annual Percentage Rate and the Periodic Rate, shall be effective with respect to future Credit Purchases and Cash 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. Except to the extent that Federal Law is applicable, the validity, construction and enforcement of this agreement and all matters arising out of the Advances. Issuer may, in its sole discretion, waive imposition of the fees or any other provision(s) of these terms; however, Issuer shall have no obligation to do so, and any such waiver shall be limited to the particular instance or transaction involved and shall not constitute a waiver or authorize the non observance of the same or any other provision of these terms or any other or future occasion. If there is any conflict between the provisions of this Agreement and the rules and regulations of Visa, the rules and regulations of Visa shall control. issuance and use of the Card shall be governed by the laws of the State of Washington. Page 5 of 6 Rev 08/14

6 YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us in Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, please give us the following information: Your name and account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your checking or savings account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your rights and our responsibilities after we receive your written notice: We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days we must either correct the error or explain why we believe the bill was correct. After we receive your letter we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill you will not have to pay any finance charges related to any questioned amount. If we didn t make a mistake you may have to pay for finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill, and, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don t follow these rules, we can t collect the first $50 of the questioned amount, even if your bill was correct. SPECIAL RULES FOR CREDIT CARD PURCHASES If you have a problem with the quality of property or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: (a) You must have made the purchase in your home state, or if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Page 6 of 6 Rev 08/14

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