b'Nutmeg State Financial Credit Union\n\nCREDIT CARD AGREEMENT\n\nP.O. Box 66\n521 Cromwell Ave.\nRocky Hill, CT 06067\n(860) 513-5000\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS THE NUTMEG STATE FINANCIAL CREDIT UNION OR ITS SUCCESSORS. BY\nUSING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL\nSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS\nYOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE\nREPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU\nALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS\nUNDER STATE AND/OR FEDERAL LAW. THE GRANTING OF THIS\nSECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF\nCREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE\nCAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and\ndeposits in an Individual Retirement Account or any other account that\nwould lose special tax treatment under state or federal law if given are not\nsubject to this security interest.\nIf you have other loans with us, collateral securing such loans may also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to your\nmaximum credit limit. You agree not to present your Card or obtain a cash\nadvance for any extension of credit in excess of your available credit limit;\nhowever, if you do exceed your credit limit, you agree to make immediate\npayment sufficient to bring the balance below the credit limit. Certain\npurchases and cash advances require authorization prior to completion of the\ntransaction. In some cases, you may be asked to provide identification. If our\nsystem is not working, we may not be able to authorize a transaction, even\nthough you have sufficient credit available. Also, for security reasons, we may\nblock the use of your Card in certain countries or geographic areas. We will\nhave no liability to you or others if any of these events occur.\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\n\n9011 LASER FPDF FI18178 12-2014\n\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Interest Charges will accrue on your average\ndaily balance outstanding during the month. To get the average daily balance,\nwe take the beginning balance each day, add any new purchases, cash\nadvances, balance transfers or other advances, and subtract any payments,\nunpaid interest charges, and unpaid late charges. This gives us the daily\nbalance. Then, we add up all the daily balances for the billing cycle and divide\nthat by the number of days in the billing cycle. We then multiply that by the\nperiodic rate corresponding to the Annual Percentage Rate on your account. If\nyou have different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each. You can avoid Interest\nCharges on purchases by paying the full amount of the new balance for\npurchases each month by the date on which the payment is due. Otherwise,\nthe new balance of your account, and subsequent advances from the date\nthey are posted to the account, will be subject to an Interest Charge. You\ncannot avoid Interest Charges on cash advances and balance transfers; even\nif you pay the entire cash advance balance or balance transfer balance by the\npayment due date, you will incur the Interest Charges accrued from the date\nthe cash advance or balance transfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (860) 513-5000. You agree to follow up your call\nBox 66 Rocky Hill, CT 06067 You\nwith notice in writing to us at: P.O.\n_______________________________.\nalso agree to assist us in determining the facts, circumstances and other\npertinent information relating to any loss, theft or possible unauthorized use of\nyour Card and comply with such procedures as we may require in connection\nwith our investigation. You will be liable for any unauthorized use only if we\ncan prove that you were grossly negligent in your use or handling of your\nCard, or if we can prove that you used your Card fraudulently.\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS THE NUTMEG STATE FINANCIAL CREDIT UNION OR ITS SUCCESSORS. BY\nUSING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\nReinstatement After Delinquency: If your account is closed because you fail\nto make a payment, we may, at our option, reinstate your account if you\nrequest reinstatement and make all payments required to bring your account\ncurrent. Reinstatement will be subject to the Reinstatement Fee disclosed to\nyou in your Truth-in-Lending statement.\n\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the\nCard as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of Visa may also apply. This Agreement is the contract that applies\nto all transactions even though the sales, cash advance, convenience check,\ncredit or other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\npage 2 of 3\n\n\x0cYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\npage 3 of 3\n\n\x0c'


b'VISA\xc2\xae PLATINUM\n\nGOOD THRU\nLAST DAY OF\n\n\xe2\x80\xa2 Non-variable (fixed) APR\n\xe2\x80\xa2 No annual fees\n\xe2\x80\xa2 No minimum finance charge\n\n\xe2\x80\xa2 No balance transfer fees\n\xe2\x80\xa2 FREE online credit card statements\n\xe2\x80\xa2 25-Day grace period\n\nInterest Rate and Interest Charges\nAnnual\nPercentage\nRate (APR)\nfor Purchases, Cash\nAdvance, and for\nBalance Transfers\n\nVISA Platinum 9.95% to 16.95%\nwhen you open your account, based on your creditworthiness\nVISA Platinum with Rewards 9.95% to 17.95%\nwhen you open your account, based on your creditworthiness\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We do not\ncharge you interest on purchases if you pay your entire balance by the due date\neach month. We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\n\nFor Credit Card Tips\nfrom the Federal\nReserve Board\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the Web site of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nSet-up and Maintenance Fees\nReplacement Card Fee $10.00 per card\nReinstatement Fee $25.00 to reopen account if closed by delinquency\nRush Delivery Fee $15.50 per request\nTransaction Fees\nForeign Transaction Fee 1.00% of each transaction in U.S. dollars\nPenalty Fees\nLate Payment Fee $25.00 if you are 5 or more days late\nOver-the-Credit-Limit Fee $25.00 if new balance less any fees is more than $1.00 over your credit\nlimit (if applicable)\nReturned Payment Fee $25.00 per returned item\nOther Fees\nStatement Copy Fee $5.00 per copy\nHow We Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance\n(including new purchases).\xe2\x80\x9d See your account agreement for more details.\n\n\x0cVISA\xc2\xae CREDIT CARD APPLICATION\nAPPLICANT\n\nPLEASE SELECT ONE:\n\xef\x81\xaf REWARD POINT CARD\n\n\xef\x81\xaf NON-REWARD POINT CARD\n\nLAST NAME \t\t\t\t\t\t\t\n\nCREDIT LINE REQUESTED $\t\t\n\nFIRST NAME \t\t\t\t\t\n\nSELECT ONE:\n\n\xef\x81\xaf INDIVIDUAL\n\nSELECT ONE:\n\n\xef\x81\xaf VISA \xef\x81\xaf STUDENT VISA \xef\x81\xaf NAME CHANGE\n\nDATE OF BIRTH \t\t\n\nMI \t\t\n\nSOCIAL SECURITY # \t\t\t\n\nSTREET ADDRESS \t\t\t\t\t\t\nCITY _________________________________STATE ______ ZIP \t\t\nHOME PHONE _______________________# OF DEPENDENTS \t\t\nMOTHER\xe2\x80\x99S MAIDEN NAME \t\t\t\t\t\t\n\xef\x81\xaf RENT\n\n\xef\x81\xaf OWN MONTHLY HOUSING PAYMENT \t\t\t\n\nNO. OF YEARS AT PRESENT ADDRESS \t\t\t\t\nPREVIOUS ADDRESS IF LESS THAN TWO YEARS AT PRESENT ADDRESS\nSTREET ADDRESS \t\t\t\t\t\t\nCITY \t\t\t\t\n\nSTATE ______ ZIP \t\t\n\nOCCUPATION \t\t\t\t\t\t\t\nPRESENT EMPLOYER \t\t\t\t\t\t\nNO. OF YEARS\n\nWORK PHONE \t\t\n\nEXT \t\t\n\nGROSS MONTHLY INCOME \t\t\t\t\t\nOTHER MONTHLY INCOME \t\t\t\t\t\nAPPLICANT SIGNATURE \t\t\t\n\nDATE \t\t\n\nRight of Off-set: I give you security interest in all funds now or hereafter to my share and share-draft accounts\nassociated with numbers (please indicate share and share draft numbers below) and I authorize you to apply any or\nall such funds to the payment of any amount in the default on this account.\n\nSHARE/SHARE DRAFT ACCOUNT NUMBERS \t\t\t\t\n\nCO-APPLICANT\n\nLAST NAME \t\t\t\t\t\t\t\nFIRST NAME \t\t\t\t\t\nDATE OF BIRTH \t\t\n\nMI \t\t\n\nSOCIAL SECURITY # \t\t\t\n\nSTREET ADDRESS \t\t\t\t\t\t\nCITY _________________________________STATE ______ ZIP \t\t\nHOME PHONE _______________________# OF DEPENDENTS \t\t\nOCCUPATION \t\t\t\t\t\t\t\nPRESENT EMPLOYER \t\t\t\t\t\t\nNO. OF YEARS\n\nWORK PHONE \t\t\n\nEXT \t\t\n\nGROSS MONTHLY INCOME \t\t\t\t\t\nOTHER MONTHLY INCOME \t\t\t\t\t\nAPPLICANT SIGNATURE \t\t\t\n\nDATE \t\t\n\nRight of Off-set: I give you security interest in all funds now or hereafter to my share and share-draft accounts associated with numbers (please indicate share and share draft numbers below) and I authorize you to apply any or all\nsuch funds to the payment of any amount in the default on this account.\n\nSHARE/SHARE DRAFT ACCOUNT NUMBERS \t\t\t\t\nI/we hereby certify that all statements made on this application which shall remain the property of Nutmeg State Financial Credit Union are true and\ncomplete, that no unfavorable information known to me or called for herein has been omitted and that these statements are made for the purpose of\nobtaining credit and a VISA credit Card. I/we authorize Nutmeg State Financial Credit Union to investigate my/our credit worthiness, credit history and\nfinancial responsibility through any credit bureau, including direct contact with past and present creditors and employers for the purpose of approving\nthis application and in connection with the renewal of continuation of the credit account for which I/we are applying. I/we authorize all my creditors\nand employers to release information to Nutmeg State Financial Credit Union upon request and also authorize the credit union to release information\nconcerning the credit union experience with me/us upon this request. I/we understand that this VISA Credit Card is covered with Credit Life or Disability\nInsurance and the balance is payable upon death, not to exceed $30,000 of combined VISA and LOAN liability. I/we have read the terms and conditions\nof the VISA Credit Card Agreement, and my/our use of the VISA Credit Card will constitute acceptance of the terms and conditions contained in the\nAgreement.\n\nFOR OFFICE USE ONLY\n\nAPPROVED BY:\n\n\t\t\n\nCREDIT LIMIT:\n\nDATE: \t\t\n\n\xef\x81\xaf INCREASE\n\n\xef\x81\xaf JOINT\n\nIf you would like us to authorize transactions that go over your credit limit,\nyou can request Over-the-Credit-Limit coverage. Otherwise, transactions\nthat exceed your limit will be declined.\nIf you have Over-the-Credit-Limit coverage and you go over your limit, your\naccount will be charged a $25.00 fee. This fee is applied if the credit limit\nis exceeded at any time during the statement period, even if the balance is\nreduced before the close of the statement period. Even if you request Overthe-Credit-Limit coverage, in some cases we may still decline transactions\nthat cause you to go over your credit limit, such as if you are past due or\nsignificantly over your credit limit.\n\n\xef\x81\xaf PLEASE CHECK THE BOX IF YOU WANT OVER-THE-CREDIT-LIMIT\nCOVERAGE AND TO ALLOW US TO AUTHORIZE TRANSACTIONS THAT\nGO OVER YOUR CREDIT LIMIT.\n\xef\x81\xaf Please be sure to include a copy of two recent paychecks or other\nproof of income.\n\nAnd other added benefits and\nenhancements:\n\xe2\x80\xa2 Identity theft protection through Verified by\nVISA\xc2\xae\n\xe2\x80\xa2 Online access to statement details through\ne-Banking\n\xe2\x80\xa2 FREE extended warranty service\n\xe2\x80\xa2 Travel and emergency assistance services\n\xe2\x80\xa2 Auto rental collision damage reimbursement\n\xe2\x80\xa2 Dispute resolution help\n\nTransfer Balances for\nLong-term Savings!\nCheck the interest rates on your other credit\ncards and loans. We can help you transfer\nthese balances over to a new NSFCU VISA\xc2\xae\nPlatinum credit card.\nCall, visit a branch or go online for more\ninformation. www.nutmegstatefcu.org.\n\n\x0c'


b'Golden 1 Credit Union\n8945 Cal Center Drive\nSacramento, CA 95826\n1-877-GOLDEN 1 (1-877-465-3361)\nTelecommunications Devices for the Deaf: 916-363-7407\ngolden1.com\n\nPLATINUM REWARDS CREDIT CARD AGREEMENT\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "ACCOUNT" MEANS YOUR CREDIT CARD ACCOUNT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS GOLDEN 1 CREDIT\nUNION OR ITS SUCCESSORS. BY USING OR ACTIVATING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST\nIN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW\nAND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED\nUNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR\nSTATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF\nYOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE\nAMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other account\nthat would lose special tax treatment under state or federal law if given are not\nsubject to this security interest.\nYOUR RESPONSIBILITIES\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cash\nadvances, and balance transfers made by you or anyone whom you authorize to\nuse the Card; (b) all interest charges and all other charges or fees as allowed by\nlaw; (c) collection costs and attorney\'s fees as permitted by applicable law, and\nany costs incurred in the recovery of the Card as allowed by applicable law; and\n(d) credit in excess of your credit limit that we may extend to you. We may limit or\nclose your Account, but the terms of this Agreement will apply until you repay us in\nfull.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction under the\nAccount. If you close your joint Account, you will continue to be jointly and\nseverally obligated to repay the outstanding balance of the Account under the\nterms of this Agreement.\nOthers Using Your Account. If you request, we may issue Cards to authorized\nusers that allow access your Account. Use of your Account by an authorized user\nis subject to the terms of this Agreement. You understand that an authorized user\nwill have access to your Account and Account information. You are responsible for\nany use of your Account by an authorized user or anyone else that you permit to\nuse your Account. You must notify us if you want an authorized user to stop using\nyour Account. If an authorized user is removed from your Account, you will be\nmailed a new Card with a new number.\nNotification of Address Change. You will notify us promptly if you change your\naddress for any reason. In order to prevent identity theft, your identity may need to\nbe verified before we act upon the notification.\nUSING YOUR ACCOUNT\nYour Card. Please sign the Card immediately after you receive it. The Card is\nvalid during the dates provided on the front. We may replace your Card with\nanother card at any time. You agree to take reasonable steps to prevent the\nunauthorized use of your Card and Account. Each Card issued on your Account is\nour property, and you agree to return it to us or destroy it upon our request. Use of\nyour Card is subject to the terms of the Visa Core Rules and Visa Product and\nService Rules, as those rules may be revised from time to time.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from any\nGolden 1 branch or other financial institution or Automated Teller Machine ("ATM")\nthat accepts the Card, up to your allowable limit. You agree not to present your\nCard or obtain a cash advance for any extension of credit in excess of your\navailable credit limit; however, if you do exceed your credit limit, you agree to make\nimmediate payment sufficient to bring the balance below the credit limit. Certain\npurchases and cash advances require authorization prior to completion of the\ntransaction. In some cases, you may be asked to provide identification. If our\nsystem is not working, we may not be able to authorize a transaction, even though\nyou have sufficient credit available. Also, for security reasons, we may block the\nuse of your Card in certain countries or geographic areas. We will have no liability\nto you or others if any of these events occur.\nCredit Limit. Your credit limit is disclosed to you when you open your Account and\non each monthly billing statement. Purchases will not be authorized if they exceed\nyour available credit limit. Your Account balance may exceed your credit limit due\nto interest and/or fees that are imposed on your Account.\nYou must pay the excess amount immediately. You are responsible for the total\nbalance at all times, even if your balance exceeds your credit limit. We may\nchange your credit limit at any time. If we accept a payment from you in excess of\n9011 LASER FPDF FI1000406 Rev 5-2019\n\nyour outstanding balance, your available credit limit will not be increased by the\namount of the overpayment, nor will we be required to authorize transactions for\nan amount in excess of your credit limit.\nPersonal Identification Number (PIN). We may issue a Personal Identification\nNumber (PIN) for use with your Card. This PIN is confidential and should not be\ndisclosed to anyone. You may use your PIN and your Card to access your\nAccount, and all sums advanced will be added to your Account balance. In the\nevent a use of your PIN constitutes an Electronic Funds Transfer, the terms and\nconditions of your Electronic Funds Transfer Agreement may affect your rights.\nConsumer Purposes. You may use your Account only for personal, family, or\nhousehold purposes. You are not permitted to use your Account for business or\ncommercial purposes. If you use your Account for business purposes, this\nAgreement still applies and you must pay us for the transactions incurred. In\naddition, we may close your Account.\nImpermissible Transactions. We prohibit the use of your Account for any\ntransaction that is unlawful under applicable laws. You must not use or try to use\nyour Card and/or Account for Internet gambling or any transactions that are illegal\nor not permitted by us. Any such use will constitute an event of default under this\nAgreement. Impermissible transactions include activities that abuse our products\nand services, including, without limitation, excessive cash- equivalent transactions\nor a pattern of payments in excess of your outstanding balance, and any other\nactivities deemed by us to be suspicious, fraudulent, dishonest or deceptive. If you\nuse your Account for such transactions, you agree that we will have no liability or\nresponsibility for those transactions. In such case, this Agreement still applies and\nyou must pay us for those transactions according to the terms of this Agreement.\nYou also agree that we will have no liability or responsibility if we decline such\ntransactions. You may also have to reimburse the payment card network and us\nfor any damages and/or expenses resulting from that use. If we have reason to\nbelieve that your Card is used for unlawful or fraudulent activities, Internet\ngambling, or transactions deemed by us impermissible or likely to cause a loss to\nGolden 1, we may, at our option, restrict or suspend access to your Account or any\nof its features, or close your Account without prior notice.\nThird Party or Mobile Devices. Smart phones, tablets, and other electronic\ndevices allow you to store or electronically present your Account information, and\nengage in credit transactions without presenting your Card (such as through a\nmobile wallet). Any purchases or transactions made through such third party or\nmobile devices are covered by this Agreement and subject to its terms and\nconditions. We do not control third party or mobile devices and cannot guarantee\nthe performance of any such device or any third party. You agree to protect the\nsecurity of the device the same as you would your Card.\nTransaction Limits. Transaction limits, including, without limitation, on cash\nadvances at an ATM, may be imposed for security reasons by us or ATM owners.\nNotice Regarding ATM Fees by Others. When you use an ATM not owned by\nus, you may be charged a fee by the ATM operator of any network used to\ncomplete the transaction. You may be charged a fee for a balance inquiry even if\nyou do not complete a funds transfer. Any such fees must be displayed at the ATM\nor point of sale terminal location.\nPAYMENTS AND FEES\nBilling Statements. You will receive a billing statement in the mail each month\nthere is a balance on your Account. You may receive your billing statements\nelectronically by enrolling in Visa Online Statements by signing on to your online\naccount at www.golden1.com. Your billing statement will provide instructions for\nmaking payments, including the amounts due and the due date for receiving your\npayment. If applicable, your billing statement will show your minimum payment\namount, which includes any past due amounts. Your payment due date is typically\nthe same day of the month every month. You may request a change to your\nmonthly due date.\nMinimum Monthly Payments. To avoid a late payment fee, you must pay us at\nleast the minimum payment amount within 15 days after the date and time\nprovided in the billing statement. The monthly minimum payment will equal 2% of\nthe balance on the date the billing cycle closes or $10.00, whichever is greater. If\nthe balance is less than $10.00, your minimum payment will equal that amount.\nYou also agree to pay any amount which is past due or over your credit limit. In\naddition to the minimum payment due, you may pay all or any part of the entire\noutstanding balance on your Account at any time. You can pay down balances\nfaster by paying more than the minimum payment on your Account.\n\npage 1 of 4\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "ACCOUNT" MEANS YOUR CREDIT CARD ACCOUNT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS GOLDEN 1 CREDIT\nUNION OR ITS SUCCESSORS. BY USING OR ACTIVATING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nApplication of Payments. We will apply your payments first to finance charges,\nthen to late fees (if any), and then to the principal balance. All payments in excess\nof the minimum monthly payment will be applied first to the balance with the\nhighest interest rate, and then to each successive balance with the next highest\ninterest rate, until the payment is exhausted.\nMethod of Payment. You may pay by check using the remittance coupon on your\nbilling statement, by automatic payment from your Golden 1 checking account, by\nautomatic payment from an account with another financial institution, or online by\nsigning in to your Online Banking account at www.golden1.com. You may also pay\nin person at any Golden 1 branch. Payments received in person by an employee\nat a Golden 1 branch no later than close of business on any business day will be\ncredited to your Account effective on that day. Payments received after the close\nof business on any business day will be credited on the next business day. We do\nnot accept cash payments through the mail. All payments are subject to verification\nand collection by Golden 1. We may accept and process any payments marked\n\xe2\x80\x9cpaid in full\xe2\x80\x9d without losing our rights. All payments must be in U.S. Dollars.\nAs long as you make your payment in accordance with the instructions in your\nbilling statement by the date and time it is due, we will generally credit the payment\nto your Account as of the day it is received. If you do not follow our payment\ninstructions, we may not accept your payment or there may be a delay in crediting\nyour Account.\nLate or Partial Payments. Any payment that delays the reduction of your balance\nwill increase your total interest costs. Partial payments or prepayments will not\ndelay your next scheduled payment - you will still need to make the minimum\nscheduled payment by the next scheduled due date to keep your Account current.\nWe may accept late payments, partial payments, checks or money orders marked\n"payment in full" and such action shall not constitute final settlement of your\nAccount or a waiver or forgiveness of any amounts owing under this Agreement.\nLiability for Payments. If your Account is cancelled or closed, whether by you or\nus, you remain obligated to pay the outstanding balance plus any interest charges,\nfees and other charges imposed on your Account. Any time your payment is\nreturned for insufficient funds, we may place a temporary freeze on all or part of\nthe credit available to you under this Agreement until your payment is actually\ncollected by us.\nFEES AND FOREIGN CURRENCY CONVERSION\nFees. In addition to the interest charges set forth herein, you agree to also pay any\nand all fees that you incur as disclosed to you on your Credit Card Account\nOpening Disclosure or similar disclosures (as may be amended from time to time),\nor as disclosed to you during the term of your Account, and the following fees:\nLate Payment Fee: Up to $15\nExpedited Card Fee: $18\nCopy of Billing Statement of Transaction Receipt (sales slip): $10\nForeign Transactions; Currency Conversion. Purchases and cash advances\nmade in foreign currencies will be billed to you in U.S. dollars. The conversion rate\nin dollars will be a rate selected by the card network from a range of rates available\nin wholesale currency markets for the applicable central processing date, which\nrate may vary from the rate the card network itself receives, or the governmentmandated rate in effect for the applicable central processing date in each instance.\nConversion may occur after the date of the transaction, and the conversion rate in\neffect on the processing date may differ from the rate in effect on the transaction\ndate or posting date. All transactions processed outside of the United States\n(which may include internet transactions) will be charged a foreign transaction fee\nin the amount disclosed on your Credit Card Account Opening Disclosure (as\namended from time to time).\nANNUAL PERCENTAGE RATES AND INTEREST CHARGES\nAnnual Percentage Rate (\xe2\x80\x9cAPR\xe2\x80\x9d). We use APR to calculate interest charges on\nyour Account. The APR is a variable rate and may increase or decrease based on\nthe U.S. Prime Rate as published in the Money Rates section of The Wall Street\nJournal. In the event that the Index ceases to be published, changes to the APR\nwill be related to a comparable Index. The APR for purchases, balance transfers,\nand cash advances, applicable to your Account is determined by adding a Margin,\nas set forth in the Credit Card Account Opening Disclosure, to the Index in effect\nas of the first day of each billing cycle.\nAny increase or decrease to the APR may result in changes to the number of\npayments required to repay the unpaid balance.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at the\ntime you open your Account and as may be changed from time to time in\naccordance with applicable law. We calculate interest on your Account by applying\nthe periodic rate to the Average Daily Balance. To determine the Average Daily\nBalance, we take the beginning balance each day, add any new purchases, cash\nadvances, balance transfers or other advances, fees and unpaid interest charges,\nand subtract any payments, or credits. This gives us the daily balance. Then, we\nadd up all the daily balances for the billing cycle and divide that by the number of\ndays in the billing cycle. This gives us the Average Daily Balance. At the end of\neach billing cycle, we determine your interest charge by multiplying your Average\nDaily Balance by the monthly periodic rate (your applicable APR divided by 12). In\n9011 LASER FPDF FI1000406 Rev 5-2019\n\ngeneral, interest charges begin to accrue from the date of transaction or the date\nthe transaction posts to your Account. Interest charges accrue on every unpaid\namount until it is paid in full. Interest will be assessed on fees and penalties.\nUnless otherwise stated, we will charge interest starting on the transaction date for\nall cash advances and balance transfers. Transaction fees are also included in the\ncalculation of interest charges. If any interest charge is due and not paid, it will be\nadded to the principal and thereafter bear interest as the principal.\nGrace Period on Purchases Only: You can avoid interest charges on purchases\nby paying the entire statement balance for purchases each month by the date on\nwhich the payment is due. Otherwise, the balance for purchases on your Account,\nand subsequent advances from the date they are posted to the Account, will be\nsubject to an interest charge. You cannot avoid interest charges on cash\nadvances, balance transfers and transaction fees; even if you pay the entire cash\nadvance balance or balance transfer balance by the payment due date, you will\nincur the interest charges accrued from the date the cash advance or balance\ntransfer is posted to your Account.\nCANCELLED, LOST OR STOLEN CARDS\nTermination; Change-in-Terms. We may, by written notice, terminate, cancel, or\nrevoke your Account, suspend your ability to make charges or cancel any feature\nof your Account or your Card at any time, subject to applicable law, even if you are\nnot in default. You may terminate your Account by written notice. Termination by\neither party shall not affect your obligation to repay any balance on your Account\nresulting from use of the Card as well as interest charges and fees incurred. We\nmay change the terms of this Agreement, including the method of calculating the\nperiodic rate, at any time, by written notice, subject to applicable law. Use or\nactivation of the Card constitutes agreement and acceptance of any change in\nterms, unless applicable law requires otherwise. Our failure to exercise any of our\nrights or to take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\nEffect of Cancellation. Cancellation or revocation of your Card will not affect your\nobligation to pay any and all amounts due under this Agreement. If your Account is\nclosed or suspended for any reason, you must stop using your Card. You must\ndestroy all cancelled or expired Cards or return them to us upon request. You must\nalso cancel all billing arrangements to the Account. You will be liable for any\nautomated or recurring charges to your Account even if they are charged after\nyour Account is closed. You can limit your liability by destroying or returning the\nCard(s) to us and cancelling any automated or recurring charges to your Account.\nUnauthorized Use. You agree to take reasonable steps to prevent the\nunauthorized use of your Card and Account. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. For your\nprotection, we highly recommend that you continually monitor your monthly billing\nstatements to identify any unauthorized transactions. You will not be responsible\nfor charges made to your Account that are found by us to be unauthorized if you\nnotify us of such charges within 60 days after the transmittal of the periodic billing\nstatement where such charges appear. If your Card and/or Account is used\nfraudulently, you agree to assist us in our investigation. Your help includes giving\nus documents that we ask for and that are acceptable to us.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree to\nnotify us immediately if your Card is ever lost or stolen or if an unauthorized use or\nfraud may have occurred.\nTo report a lost or stolen card or suspected unauthorized use, please call us at 1877-GOLDEN 1 (1-877-465-3361). If you are on vacation or out of the country,\nVisa offers an emergency credit card replacement service. To contact Visa\nregarding emergency credit card replacement, please call 1-800-VISA-911 (1-800847-2911), 24 hours a day, 7 days a week. You also agree to assist us in\ndetermining the facts, circumstances and other pertinent information relating to\nany loss, theft or possible unauthorized use of your Card and comply with such\nprocedures as we may require in connection with our investigation.\nDEFAULT; ACCELERATION; CREDIT SUSPENSION; COLLECTION COSTS.\nDefault: The following provision applies to borrowers in Idaho, Kansas, and\nMaine: You will be in default if (1) you do not make a payment of the required\namount when due; or (2) we believe the prospect of payment, performance, or\nrealization on any property given as security is significantly impaired.\nThe following provision applies to borrowers subject to the Wisconsin\nConsumer Act: You shall be in default under this Agreement if any of the following\noccur: (a) you fail to make a payment when due on 2 occasions within any 12month period; OR (b) you breach any term or condition of this Agreement, which\nbreach materially impairs your ability to pay amounts when due or materially\nimpairs the condition, value, or protection of our rights to or in any collateral\nsecuring this transaction.\nThe following provision applies to all other borrowers: You will be in default if:\n(1) you fail to make any payment on time; (2) you fail to keep any promises you\nhave made under this Agreement or under other Agreements you have with us; (3)\nyou die; (4) you file a petition in bankruptcy or have a bankruptcy petition filed\nagainst you, or if you become involved in any insolvency, receivership or custodial\nproceeding; (5) anyone attempts to take any of your funds held by us via legal\n\npage 2 of 4\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "ACCOUNT" MEANS YOUR CREDIT CARD ACCOUNT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS GOLDEN 1 CREDIT\nUNION OR ITS SUCCESSORS. BY USING OR ACTIVATING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nprocess or if you have a judgment or tax lien filed against you; (6) you make any\nfalse, inaccurate, or misleading statements in any credit application or credit\nupdate; (7) we, in good faith, believe that your ability to repay what you owe is or\nsoon will be impaired, or that you are unwilling to make your payments; (8) you\nexceed your available credit limit; (9) you become subject to incompetency; (10)\nyour payment is returned for any reason; (11) your Golden 1 membership is\nterminated or your membership privileges are suspended; or (12) there has been\na material adverse change in your creditworthiness.\nSuspension of Electronic Services and Access to Share Accounts. Subject to\napplicable law, we may suspend some or all electronic services and access to\nyour checking or other account(s) if you become delinquent on any of your credit\ncard or deposit obligations to us or you cause a loss to us. We shall not be liable to\nyou in any regard in connection with such suspension of services.\nActions Upon Default: If applicable law requires a notice of default and an\nopportunity to cure that default, we will grant you those rights before we exercise\nour remedies. If you default, upon the expiration of any applicable rights to cure\nthat default, we may declare all amounts immediately due and payable, and you\nmust immediately pay us the total unpaid balance (as well as interest charges to\ndate, if allowed by applicable law), any late charges, and all collection costs\npermitted under law. The principal balance in default shall bear interest at the\ncontract rate, or another rate if required by applicable law. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what you\nowe has been paid, and any shares that were given as security for your Account\nmay be applied towards what you owe. Even if your unpaid balance is less than\nyour credit limit, you will have no credit available during any time that any aspect of\nyour Account is in default.\nCosts of Collection: You shall pay all costs incurred by us in collecting any\namount you owe or in enforcing or protecting our rights. Costs of collection include,\nbut are not limited to, collection agency fees. The following applies to all borrowers\nexcept Wisconsin borrowers: Costs of collection include reasonable attorney\'s fees\nfor any action taken by an attorney who is not a salaried employee of the credit\nunion in order to collect this loan or preserve or protect our rights and remedies,\nincluding, without limitation, pre-suit demands for payment, pre-suit mediation or\nsettlement negotiations, investigation and assessment of our rights, participation in\nbankruptcy cases, matters, and proceedings (including, without limitation, filing\nproofs of claim, pursuing reaffirmation agreements, attending meetings of\ncreditors, and pursuing complaints, motions, and objections that relate in any way\nto the Credit Union\'s collateral or right to payment), collateral disposition, nonbankruptcy suits and/or administrative actions, and appeals. For Alabama\nborrowers: attorney\'s fees after default shall not exceed 15% of the unpaid debt, or\nsuch higher amount as a court may allow. For Georgia borrowers: attorney\'s fees\nshall not exceed 15% of principal and accrued interest, or such higher amount as\na court may allow. For Wisconsin borrowers: We may collect only those costs and\nfees allowed by the Wisconsin Consumer Act, other applicable Wisconsin law, or\nby a court of competent jurisdiction. For Kansas borrowers: Attorney fees shall not\nbe in excess of 15% of the unpaid debt after default. Costs of collection may\ninclude collection agency fees or attorney fees, but not both.\nMISCELLANEOUS\nCommunications. We may send Card(s), billing statements and other\ncommunications to you at any mailing address or email address in our records. If\nmore than one person is responsible for the Account, we can provide billing\nstatements and communications to only one of you.\nWhen you give us a telephone number (including a cellular or mobile device\nnumber) or place a telephone call to us, you are providing your express consent\npermitting us (and any party acting on our behalf) to contact you at that number\nabout the Account and all of your other Golden 1 accounts. Your consent allows us\nto make live telephone calls, send text messages, leave prerecorded or artificial\nvoice messages, and use automatic telephone dialing technology for informational\nand Account service purposes. For example, we may place such calls or texts to\nprovide certain notices, investigate or prevent fraud, or contact you about the\namounts you owe to us. This express consent applies to each telephone number\nthat you provide to us now or in the future. Message and data rates may apply.\nYou may change your communication preferences at any time by any reasonable\nmeans, including calling us at 1\xe2\x80\x93877\xe2\x80\x93723-3010, sending an email to\nmembercare@golden1.com, or writing to us at Golden 1 Credit Union, Attn:\nMember Care, P.O. Box 15966, Sacramento, CA 95852-0966.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You understand\nthat we are not obligated to offer such services and may withdraw or change them\nat any time.\nConvenience Checks. We may, at our discretion, issue checks to you which may\nbe used for any purpose other than making a payment for credit to your Account or\nany other loan you have with us, so long as that purpose is consistent with the\nterms of this Agreement. By signing such check, you authorize us to pay the item\nfor the amount indicated and post such amount as a cash advance to your\nAccount. We do not have to pay any item which would cause the outstanding\nbalance in your Account to exceed your credit limit.\n9011 LASER FPDF FI1000406 Rev 5-2019\n\nCredit Information. We may from time to time request personal information from\nyou or obtain credit reports from the credit reporting agencies for the purpose of\nupdating your credit status. We may reduce your credit limit or refuse to extend\nnew credit as a result of periodic review of your creditworthiness. Your failure to\nprovide such information when requested by us may result in suspension of credit\nprivileges under this Agreement, including your ability to obtain any future\nadvances by any means. You authorize us to investigate your credit standing when\nopening or reviewing your Account. You authorize us to disclose information\nregarding your Account to consumer reporting agencies and others. The\ninformation we provide may appear on your consumer reports. If you think we\nprovided incorrect information, write to us and we will investigate in accordance\nwith the billing rights provision contained herein.\nEnforcement. We do not lose our rights under this or any related agreement if we\ndelay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full force\nand effect.\nReturns and Adjustments. Merchants and others who honor the Card may give\ncredit for returns or adjustments, and they will do so by submitting a credit slip\nwhich will be posted to your Account. We do not control when a merchant sends\nus your refund. We also need a reasonable amount of time after we receive a\nmerchant refund to process it. If your credits and payments exceed what you owe\nus, the amount will be applied against future purchases and cash advances. If the\ncredit balance amount is $1 or more, it will be refunded upon your written or verbal\nrequest. If a credit balance amount of $1 or more remains in the account for more\nthan six months, we will make a good faith effort to refund the amount to you.\nMerchant Disputes. We are not responsible for the refusal of any merchant or\nfinancial institution to honor your Card. Also, we are not responsible for disputes\nregarding goods or services that you purchase with the Card unless: (a) your\npurchase was made in response to an advertisement we sent or participated in\nsending you; or (b) your purchase cost more than $50 and was made from a\nmerchant in your state or within 100 miles of your home; and only if you have\nmade a good faith attempt, but have been unable to obtain satisfaction from the\nmerchant. You must resolve all other disputes directly with the merchant. We do\nnot warrant any merchandise or services purchased by you with the Card.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and state\nlaw in the state of California. All disputes shall be venued in Sacramento County,\nCalifornia. Operating regulations of Visa may also apply. This Agreement is the\ncontract that applies to all transactions even though the sales, cash advance,\nconvenience check, credit or other slips you sign or receive may contain different\nterms.\nPlatinum Rewards Cash Rebate Program. You will earn cash rebates on net\nqualified purchases (less credits, returns and adjustments) for each $1 spent.\nCash rebates have no maximum limit. Balance transfers, cash advances and\ncash-equivalent transactions, such as purchases of money orders or gift cards,\nand certain other purchases/transactions do not earn rebates. We reserve the right\nto determine in our sole discretion whether a particular transaction is a qualified\npurchase. A 3% cash rebate is offered on net qualified purchases at eligible gas,\ngrocery and restaurant merchants. A 1% cash rebate is offered on all other net\nqualified purchases.\nA 3% cash rebate is available on purchases processed under specific Merchant\nCategory Codes (MCC). Merchants are assigned an MCC based on the type of\nproducts or services they primarily offer. We do not determine the MCC\nclassifications, but we use these classifications to define our cash-back rebate\ncategories. Our 3% cash rebate is available only on purchases with eligible\nService Stations (MCC 5541), Automated Fuel Dispensers (MCC 5542), Grocery\nStores or Supermarkets (MCC 5411), and Eating Places and Restaurants (MCC\n5812). Our 3% cash rebate does not include wholesale clubs or eating\nestablishments such as quick-service restaurants. Purchases processed through\nthird-party payment accounts (such as PayPal), online or mobile wallets, or similar\ntechnology will not qualify for a rebate if the technology is not set up to process the\npurchase in an eligible merchant category.\nIf your Account is in default under this Agreement, it will forfeit all accumulated\nrebates. Additionally, rebates are only calculated for accounts that are not in\nbankruptcy status, that have not been closed or frozen and have no amount that\nhas been charged-off. To receive a rebate, a Golden 1 share account with the\nrequired minimum balance must be maintained. The rebate will be credited by\ndeposit to your Golden 1 share account by the end of each month and after the\nclose of the Account\'s monthly billing cycle. Accounts closed prior to their monthly\nclosing statement date forfeit all unpaid rebates earned during the prior period. We\nreserve the right to change or discontinue this program and its benefits and\nfeatures at any time in our sole discretion.\nSTATE NOTICES:\nNOTICE FOR COSIGNERS IN ARIZONA:\nMarital Community Property Joinder: If you are a married Arizona resident\nsigning documents in connection with this loan as a cosigner, your signature\n\npage 3 of 4\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "ACCOUNT" MEANS YOUR CREDIT CARD ACCOUNT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS GOLDEN 1 CREDIT\nUNION OR ITS SUCCESSORS. BY USING OR ACTIVATING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nconfirms that this loan obligation is being incurred in the interest of your marriage\nor family and that you will promptly notify your spouse and cause your spouse to\nconsent to your and your spouse\'s marital property being bound by your loan\nobligations in accordance with Ariz. Rev. Stat. \xc2\xa7 25-214 or other applicable law.\nYou agree that the lender may delay disbursing your loan until the lender has\nreceived your spouse\'s consent in a form reasonably acceptable to the lender. You\nfurther affirm that no provision of any marital property agreement or court decree\nadversely affects your or lenders interest in this loan obligation.\nNOTICE TO UTAH BORROWERS: This written agreement is a final expression\nof the agreement between you and the Credit Union. This written agreement may\nnot be contradicted by evidence of any oral agreement.\n\nNOTICES TO WISCONSIN BORROWERS: (1) If you are married and are\nextended individual credit, Wis. Stat. 766.56(3)(b) requires us to notify your spouse\nof the extension of credit. If we receive written notice of termination from your\nspouse pursuant to Wis. Stat. Section 766.565(5), we may declare you in default\nof the Agreement and call the entire extension of credit due and payable\nnotwithstanding Wis. Stat. Sections 425.103 and 425.105. If the Agreement is\ncalled due and payable, you may have certain rights to cure the default. (2)\nAdditionally, no provision of a marital property agreement, a unilateral agreement\nunder Wis. Stat. 766.59, or a court decree under Wis. Stat. 766.70 adversely\naffects our interests unless prior to the time the credit is extended, we are\nfurnished with a copy of the agreement or statement, or have actual knowledge of\nthe adverse provision when the obligation is incurred.\n\nIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d)), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 844-536-7431 24 hours a day, 7 days a week.\n2. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n3. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nGolden 1 Credit Union\nAttention: Card Investigations\nP.O. Box 15966\nSacramento, CA 95852-0966\nIn your letter, give us the following information:\n1. Your name and Account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is wrong\nand why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do,\nwe are not required to investigate any potential errors and you may have to pay\nthe amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your\nletter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on\nthat amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue\nto charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for\nthe remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\n9011 LASER FPDF FI1000406 Rev 5-2019\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us\nwithin 10 days telling us that you still refuse to pay. If you do so, we cannot report you\nas delinquent without also reporting that you are questioning your bill. We must tell\nyou the name of anyone to whom we reported you as delinquent, and we must let\nthose organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the\namount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your\ncredit card, and you have tried in good faith to correct the problem with the merchant,\nyou may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles\nof your current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the company that sold\nyou the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses your credit card\nAccount do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase,\ncontact us in writing at:\nGolden 1 Credit Union\nAttention: Card Investigations\nP.O. Box 15966\nSacramento, CA 95852-0966\nWhile we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that point, if\nwe think you owe an amount and you do not pay, we may report you as delinquent.\n\npage 4 of 4\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'