b'Visa Gold Plus\n\nFederal Truth-in-Lending Account Agreement and Disclosure Statement\nEffective March 16, 2020 | X838A\n\nINTEREST RATES AND INTEREST CHARGES\n\n11.99%\n\nAnnual Percentage Rate (APR) for Purchases,\nBalance Transfers and Cash Advances\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nMy due date is at least 21 days after the close of each billing cycle. You will\nnot charge me interest on purchases if I pay my entire balance by the due\ndate of each month. You will begin charging interest on cash advances and\nbalance transfers on the transaction date.\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using\na credit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\nCash Advance: Either $2 or 2% of the amount of each cash advance, whichever is greater.\nInternational Transactions: None\nPenalty Fees\nLate Payment: up to $39\nReturned Payment: up to $28\nHow We Will Calculate Your Balance: We will use a method called \xe2\x80\x9cAverage Daily Balance (including new purchases).\xe2\x80\x9d See the\nAgreement and Disclosure Statement below for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Agreement\nand Disclosure Statement.\n\nVISA GOLD PLUS CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE STATEMENT\nIn this Visa\xc2\xae Gold Plus Credit Card Agreement and Disclosure Statement, (\xe2\x80\x9cAgreement and Disclosure Statement\xe2\x80\x9d), the words \xe2\x80\x9cI,\xe2\x80\x9d \xe2\x80\x9cme,\xe2\x80\x9d \xe2\x80\x9cmy,\xe2\x80\x9d\nand \xe2\x80\x9cmine\xe2\x80\x9d mean each and all of those who apply for or use the Bay Federal Credit Union Visa Gold Plus Card and/or Visa Credit Card Account.\n\xe2\x80\x9cCredit Union,\xe2\x80\x9d \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean Bay Federal Credit Union. \xe2\x80\x9cCard\xe2\x80\x9d means the Visa Card issued to me and any duplicates and/or\nrenewals you may issue. \xe2\x80\x9cAccount\xe2\x80\x9d means my Visa Card Account with you.\nBy requesting and receiving, signing, using, or permitting others to use the Card and/or Account issued to me by you, I agree to be bound by the\nterms and conditions as set forth herein and any amendments thereto.\nNOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A VARIABLE ANNUAL PERCENTAGE (INTEREST) RATE.\nAUTHORIZATION AND PAYMENT: I authorize you to pay and charge my Account for all Purchases, Balance Transfers, and Cash Advances\nmade or obtained by me or anyone I authorize to use my Card or Account. I will be obligated to pay all such Purchases, Balance Transfers,\nand Cash Advances charged to my Account whether resulting from: (1) actual use of my Card; (2) mail order or telephone, computer, or other\nelectronic Purchases made without presenting the Card; or (3) any other circumstance where I authorize a charge, or authorize someone else to\nmake a charge, to my Account (collectively, \xe2\x80\x9cauthorized charges\xe2\x80\x9d). I promise to pay you or to your order in U.S. Dollars with an instrument drawn\non a financial institution in the United States at your office or at the address set forth on my periodic statement all authorized charges on the\nterms and at the rates set forth herein, plus any FINANCE CHARGES assessed on my Account, and any other charges and fees which I may owe\nyou under the terms of this Agreement and Disclosure Statement (the \xe2\x80\x9cAccount Balance\xe2\x80\x9d). I must continue to make payments until I have paid the\nAccount Balance in full.\n\nBIN #423134\n\n1\n\nRev. 3/16/2020\n\n\x0cCHANGE OF TERMS: Account and agreement terms are not guaranteed for any period of time. I understand and agree that you may amend,\nmodify, add to, or delete from this Agreement and Disclosure Statement any of its terms and conditions, including financial terms such as the\nmethod of application and the amount of any INTEREST CHARGE, Transaction Fee, or other FINANCE CHARGE, ANNUAL PERCENTAGE RATE,\ndaily periodic rate, and/or fee in accordance with applicable laws. If required by applicable law, you will mail a notice of the change to me at my\nlast known address. I also understand that in the event of a significant change in account terms, as defined under the Federal Truth in Lending\nAct, any such notice will be mailed at least forty-five (45) days prior to the effective date of the significant change in account terms as required\nby applicable law. If you are required by applicable law to provide me a right to reject significant changes to this Agreement and Disclosure\nStatement prior to the effective date of such changes, you will provide me with an explanation of how to reject the significant changes, unless I\nfail to make a required minimum payment within sixty (60) days after its due date. You may change the terms of this Agreement and Disclosure\nStatement based on information in my credit report, market conditions, business strategy or for any other reason. Notice of a change in terms is\nrequired, but may be sent as late as the effective date of the change where the change has been agreed to in writing, by me.\nINTEREST RATES AND INTEREST CHARGES: I understand that a portion of my FINANCE CHARGES incurred during a billing cycle will include\nmy INTEREST CHARGES incurred during that billing cycle. The INTEREST CHARGE for a billing cycle will be calculated by applying my Daily\nPeriodic Rate to my Average Daily Balance multiplied by the number of days in the cycle. I understand and agree that under the \xe2\x80\x9cChange of\nTerms\xe2\x80\x9d section above, you have the right in your sole and absolute discretion to change the amount of any ANNUAL PERCENTAGE RATE, Daily\nPeriodic Rate and/or INTEREST CHARGE that may apply to my Account.\nVISA VARIABLE RATE PROGRAM \xe2\x80\x93 HOW YOU CALCULATE CHANGES IN MY MONTHLY PERIODIC INTEREST CHARGE, MONTHLY\nPERIODIC RATE, AND ANNUAL PERCENTAGE RATE: I understand and agree that your Visa program is a variable rate program. What this\nmeans is that, with the exception of any applicable Purchase or Balance Transfer introductory ANNUAL PERCENTAGE RATE promotional period,\nmy ANNUAL PERCENTAGE RATE may increase or decrease on a monthly basis while I maintain my Account with you.\nThe ANNUAL PERCENTAGE RATE that applies may vary with changes to the Prime Rate, which is the highest (U.S.) Prime Rate published in the\nMoney Rates section of The Wall Street Journal (the \xe2\x80\x9cIndex\xe2\x80\x9d).\nMy ANNUAL PERCENTAGE RATE for Cash Advances, Balance Transfers, and Purchases is determined by adding a \xe2\x80\x9cMargin\xe2\x80\x9d as set forth in the\ntable below to the Index in effect as of each Adjustment Date (defined below). The Initial Daily Periodic Rate in effect as of the date of this\nAgreement and Disclosure Statement is set forth in the table below. In the event that the Prime Rate ceases to be published, changes in the\nANNUAL PERCENTAGE RATE will be related to a comparable Index. You may waive an increase in the ANNUAL PERCENTAGE RATE when such an\nincrease can be made, but such a waiver shall not be construed as a waiver of your right to increase the ANNUAL PERCENTAGE RATE at a future\ndate when entitled to do so.\nMy ANNUAL PERCENTAGE RATE is subject to change monthly on the 16th day of the month based on an increase or decrease in the Index. These\ndates will be known as \xe2\x80\x9cAdjustment Dates.\xe2\x80\x9d The Index in effect on the First (1st) business day of the month will be used to calculate the ANNUAL\nPERCENTAGE RATE change effective on the Adjustment Date. For example, the Index in effect on February 1 will be used to calculate the ANNUAL\nPERCENTAGE RATE change effective on February 16th of the same year. All other Adjustment Date rate changes will follow the same pattern.\nThe maximum ANNUAL PERCENTAGE RATE during the term of this Agreement and Disclosure Statement is 18%. There is no minimum ANNUAL\nPERCENTAGE RATE during the term of this Agreement and Disclosure Statement. There are no annual (or other) limitations on changes in the\nANNUAL PERCENTAGE RATE during the term of this Agreement and Disclosure Statement. Decreases in the ANNUAL PERCENTAGE RATE\nin accordance with the terms of the Agreement and Disclosure Statement are mandatory. Increases in the ANNUAL PERCENTAGE RATE in\naccordance with the terms of this Agreement and Disclosure Statement are at your discretion. Any increase or decrease in the ANNUAL\nPERCENTAGE RATE will result in changes in the amount and/or number of payments required to repay the Account Balance. Each change in\nthe ANNUAL PERCENTAGE RATE and Daily Periodic Rate which is the result of an increase or decrease in the Index will apply to any balance\noutstanding on the effective date of such change as well as to future Purchases and Advances.\nThe Daily Periodic Rate is determined by dividing the ANNUAL PERCENTAGE RATE by 365 and will change when the ANNUAL PERCENTAGE RATE changes.\n\nPurchases, Cash Advances,\nBalance Transfers\n\nMargin\n\nInitial Index\n\nInitial Daily\nPeriodic Rate\n\nInitial ANNUAL\nPERCENTAGE RATE\n\n8.74%\n\n3.25%\n\n.03285%\n\n11.99%\n\nTRANSACTION FEES: I understand that, in addition to INTEREST CHARGES incurred during a billing cycle, another portion of my FINANCE\nCHARGES incurred during a billing cycle may include Transaction Fees incurred during that billing cycle. I understand and agree that under the\n\xe2\x80\x9cChange of Terms\xe2\x80\x9d section above, you have the right in your sole and absolute discretion to change the amount of any Transaction Fee that may\napply to my Account, in accordance with applicable law. My Transaction Fees for a billing cycle include the following fees:\n1. Cash Advance Fee: Cash Advance transactions are subject to a Cash Advance Fee of $2 or 2% of the amount of the Advance, whichever is\ngreater, is posted to the Account during the billing cycle.\nThe above Transaction Fees and other fees for the billing cycle will be shown on my periodic statement.\n\nBIN #423134\n\n2\n\nRev. 3/16/2020\n\n\x0cCREDIT INFORMATION: At your request, I will update the credit information that I have provided to you. I authorize you to investigate my credit\nstanding when opening, renewing, or reviewing the Account, and I authorize you to disclose information regarding the Account to credit bureaus\nand other creditors who inquire of you about my credit standing to the extent authorized by law. If I question the accuracy of your reported\ninformation to a credit reporting agency, I will write to you at the address listed on my periodic statement with a description of my dispute. If\navailable, I will provide you with a copy of the credit report in question.\nHOW TO COMPUTE THE PURCHASE BALANCE, CONSISTING OF TRANSACTIONS RELATED TO PURCHASES OF GOODS AND\nSERVICES, UPON WHICH PERIODIC INTEREST CHARGES ARE ASSESSED.\nAverage Daily Balance (including new purchases)\nThe periodic INTEREST CHARGES for a billing cycle are computed by applying the Daily Periodic Rate to the Average Daily Balance of Purchases\n(including new Purchase transactions). To get the Average Daily Balance of Purchase transactions, you take the beginning balance of Purchase\ntransactions on my Account each day, add any new Purchases, and subtract any payments or credits, and unpaid INTEREST CHARGES and other\nFINANCE CHARGES. This gives you the daily balance of Purchase transactions. Then, you add up all the daily balances of Purchase transactions\nfor the billing cycle and divide the total by the number of days in the billing cycle. This gives you the Average Daily Balance of Purchase\ntransactions.\nI have at least a 21 day grace period from the close of each billing cycle to pay the entire New Balance without incurring additional INTEREST\nCHARGES provided that either: (1) you received payment in full of the ending balance for the previous billing cycle by the Payment Due Date\ndisclosed in the periodic statement for the previous billing cycle; or (2) the ending balance of the previous billing cycle was $0. If I have a grace\nperiod to pay the entire New Balance for any billing cycle, and do not pay the entire New Balance in full during this grace period, INTEREST\nCHARGES will be assessed on any portion of the entire New Balance not paid during the grace period using the Average Daily Balance method\nas explained above. The Payment Due Date disclosed on each periodic statement provided to me is the last day of my grace period for that\nstatement\xe2\x80\x99s billing cycle.\nHOW TO COMPUTE THE CASH ADVANCES BALANCE (CONSISTING OF TRANSACTIONS RELATED TO CASH AND OTHER ADVANCE\nTRANSACTIONS) UPON WHICH PERIODIC INTEREST CHARGES ARE ASSESSED.\nAverage Daily Balance\n(including new Cash Advances and Other Advance Transactions)\nThe periodic INTEREST CHARGES for a billing cycle are computed by applying the Daily Periodic Rate to the Average Daily Balance of Cash\nAdvances (including new Cash Advances). To get the Average Daily Balance of Cash Advance transactions, you take the beginning balance of\nCash Advance transactions on my Account each day, add any new Cash Advances, and subtract any payments or credits, and unpaid INTEREST\nCHARGES and other FINANCE CHARGES. This gives you the daily balance of Cash Advance transactions. Then, you add up all the daily balances\nof Cash Advance transactions for the billing cycle and divide the total by the number of days in the billing cycle. This gives you the Average Daily\nBalance of Cash Advance transactions. There is no grace period in order to avoid the imposition of INTEREST CHARGES on Cash Advances.\nHOW TO COMPUTE THE BALANCE TRANSFER BALANCE UPON WHICH PERIODIC INTEREST CHARGES ARE ASSESSED.\nAverage Daily Balance (including new Balance Transfers)\nThe periodic INTEREST CHARGES for a billing cycle are computed by applying the Daily Periodic Rate to the Average Daily Balance of Balance\nTransfers (including new Balance Transfers). To get the Average Daily Balance of Balance Transfer transactions you take the beginning balance\nof Balance Transfer transactions on my Account each day, add any new Balance Transfer transactions, and subtract any payments or credits,\nand unpaid INTEREST CHARGES and other FINANCE CHARGES. This gives you the daily balance of Balance Transfer transactions. Then, you add\nup all the daily balances of Balance Transfer transactions for the billing cycle and divide the total by the number of days in the billing cycle. This\ngives you the Average Daily Balance of Balance Transfer transactions. There is no grace period in order to avoid the imposition of INTEREST\nCHARGES on Balance Transfers.\nThe calculations in the sections above determine my total INTEREST CHARGE for the billing cycle. Actual INTEREST CHARGES will be shown on\nmy periodic statement. The combination of periodic INTEREST CHARGES and Cash Advance Fees, will not exceed the ANNUAL PERCENTAGE\nRATE permitted under applicable law.\nMINIMUM PAYMENT: Every month, I must pay at least the Minimum Payment Due by the Payment Due Date shown on my periodic statement.\nBy separate agreement, I may authorize you to automatically transfer the Minimum Payment Due from my Credit Union share or share draft\naccount. I may, of course, pay more frequently, pay more, or pay the Account Balance in full, and I will reduce my periodic INTEREST CHARGE by\ndoing so. The Minimum Payment Due will be either: (a) 2.5% of my Account Balance, or $25, whichever is greater; or (b) my Account Balance, if it\nis less than $25.\nIn addition, I must pay any amount on my periodic statement listed as past due and any late charge. Lastly, at any time my Account Balance\nexceeds my Credit Limit, I must pay the excess.\n\nBIN #423134\n\n3\n\nRev. 3/16/2020\n\n\x0cI understand and agree that any Minimum Monthly Payment made by me will be applied in the following order: (a) unpaid periodic INTEREST\nCHARGES, Transaction Fees, and other FINANCE CHARGES due on Purchases, Balance Transfers, and Cash Advances; (b) outstanding balances\nof Cash Advances, Balance Transfers, and Purchases previously billed; (c) current Cash Advances, Balance Transfers, and Purchases; and (d)\nunpaid fees and charges, if any. If two or more transactions are posted on the same day, my payment will be applied first to the smaller of them.\nAny payment I make in excess of the Minimum Monthly Payment will be applied to my balances subject to the highest ANNUAL PERCENTAGE\nRATE first, then to balances subject to lower ANNUAL PERCENTAGE RATES, in descending order of ANNUAL PERCENTAGE RATES until all\nbalances subject to an ANNUAL PERCENTAGE RATE are paid in full. Thereafter, you will apply all payments in excess of the Minimum Monthly\nPayment, if applicable, in the same order as you apply the Minimum Monthly Payment.\nPREPAYMENT OR IRREGULAR PAYMENTS: Though I need only pay the Minimum Payment Due, I understand that I have the right to repay\nmy Account Balance at any time without penalty. I also understand and agree that I will only be charged INTEREST CHARGES to the date I repay\nmy entire Account Balance. I may make larger payments without penalty and this may reduce the total amount of INTEREST CHARGES that I will\nrepay. If I pay more than the Minimum Payment Due in any month and there is still a balance due, I must continue to make Minimum Payments\nin future months. Any partial payment of my Account Balance will not advance my next payment due date(s). I understand and agree that any\npayment that (a) delays or (b) accelerates the repayment of my Account Balance will (a) increase or (b) decrease my Monthly Periodic INTEREST\nCHARGE. Credits from merchants may not be applied to the Minimum Payment Due.\nPAYMENTS BY AUTOMATIC TRANSFER: If I request payment by automatic transfer, I understand and agree that no payment can or will\nbe made if there are insufficient or uncollected funds in the designated account to make the scheduled payment. Should this event occur, I\nunderstand and agree that I will not be released from making the payment. Any automatic transfer I have requested will remain in effect until I\ncancel it in writing or the Account Balance is paid in full. You may cancel this service at your discretion.\nRECURRING PAYMENTS: The use of my Account to make pre-authorized electronic recurring bill payments constitutes an Electronic Fund\nTransfer. I may be able to place a stop payment on a pre-authorized electronic recurring bill payment in accordance with the terms of your\nElectronic Funds Transfer Disclosure and Agreement with me. Any such stop payment order is subject to a Stop Payment Fee of $29 for each\nstop payment order I give. A stop payment/revocation order does not release me from the obligation to pay for goods and services purchased\nfrom merchants.\nCREDIT LIMIT AND CASH ADVANCE LIMIT: My Account has a Credit Limit that is established by you. You may make part of my Credit Limit\navailable for Cash Advances (Cash Advance Limit). There may also be a limit on the amount I can withdraw from automated teller machines\n(ATMs) in a given period. The Credit Limit and Cash Advance Limit are shown on the Welcome letter and periodic statements. I agree to manage\nmy Account so that: (1) my Account Balance (including fees and INTEREST CHARGES) is not more than my Credit Limit; and (2) my Cash Advance\nbalance (including fees and INTEREST CHARGES) is not more than my Cash Advance Limit. However, if my Account Balance exceeds my Credit\nLimit or Cash Advance Limit, I am still obligated to pay you. You may increase or decrease my Credit Limit at any time and you may notify me of\nsuch increase or decrease by mail or through a statement sent to the primary Account-holder\xe2\x80\x99s address of record, in accordance with applicable\nlegal requirements. If I object to any Credit Limit increase, I must notify you immediately. I or my joint applicant for the Account may request\nan increase to the Credit Limit orally, in writing, or electronically, but any such request must be approved by you. Any request from me or my\njoint applicant to reduce or suspend the Credit Limit must be submitted in writing. If my Credit Limit is increased, I am immediately responsible\nfor the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing.\nPurchases and Advances are subject to daily limits that may restrict the full use of my available Credit Limit.\nRETURNED PAYMENT FEE: If a payment that was applied to my Account is returned to you unpaid for any reason, I will be charged a Returned\nPayment Fee of $28. This fee will also apply to any payments made by automatic transfer that cannot be posted due to insufficient funds in my\nregular share or checking account. However, the Returned Payment Fee will not exceed the Minimum Payment Due on the last Payment Due Date\nbefore the payment is returned.\nCASH ADVANCE FEE: For each Cash Advance, a Cash Advance Fee of either $2 or 2% of the amount of the Advance will be charged, whichever\nis greater.\nLATE PAYMENT FEE: I will be charged a Late Payment Fee of up to $39 as follows: If you do not receive the minimum Payment Due by the\nPayment Due Date, the fee is $28. If I make another late payment within the next 6 billing periods, the Late Payment Fee is $39. However, the\nLate Payment Fee will not exceed the Minimum Payment Due.\nRUSH CARD FEE: I will be charged a Rush Card Fee of $30 per card for expedited delivery.\nDOCUMENT FEE: If a copy of any periodic statement, sales draft, or similar document is provided by you at my request (other than in\nconnection with a billing error inquiry), a Document Fee of $12 may be imposed by you on my Account. This fee will not be assessed, however, if\nit was requested in connection with a Billing Error.\nPROMOTIONAL RATE OFFERS: From time to time and at your discretion, you may offer a promotional ANNUAL PERCENTAGE RATE for all or\nany part of my Account Balance, Balance Transfer, or future transactions. The period of time for which the promotional ANNUAL PERCENTAGE\nRATE applies may be limited. Any applicable promotional ANNUAL PERCENTAGE RATE, the corresponding periodic rates, and the period of time\nduring which they are in effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement.\n\nBIN #423134\n\n4\n\nRev. 3/16/2020\n\n\x0cUSING THE CARD: I may use my Card to make Purchases or request Advances or Balance Transfers in accordance with the current policies,\nup to my Credit Limit. Cash advance transactions include ATM withdrawals, online funds transfers, telephonic funds transfers, and in person\nCash Advances at a financial institution\xe2\x80\x99s branch from the Account. All transactions are subject to your approval. To make a Purchase or request\nAdvances or Balance Transfers in accordance with the current policies, there are two alternative procedures to be followed. One is for me to\npresent the Card or Card number to a participating Visa plan merchant, to you, or to another financial institution, and sign or authorize a sales or\nCash Advance draft. The other is to complete the transaction by using my Personal Identification Number (PIN) in conjunction with the Card in an\nAutomated Teller Machine or other type of electronic terminal that provides access to the Visa system. To make a Balance Transfer, I must call\nyou at 831.479.6000 or toll-free at 888.4BAYFED or follow the instructions provided by you in connection with any Balance Transfer promotion\nthat you may offer\nMy Card and/or Account may not be used directly or indirectly for: (1) any illegal activity or transaction; or (2) any gambling, gaming, betting, or\nsimilar activity or transaction. Further, I may not utilize my Card and/or Account for the purchase of any goods or services on the Internet that\ninvolve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but may not be limited to, any quasi-cash or\nonline gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the\npurchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. However, in the event that a charge or transaction\ndescribed in this paragraph is approved and processed, I will still be responsible for such charges.\nELECTRONIC FUNDS TRANSFER: In the event a use of the Card or the Account number of the Card constitutes an Electronic Funds Transfer,\nthe terms and conditions of my Electronic Services Disclosure and Agreement with you shall govern such transactions to the extent the\nElectronic Services Disclosure and Agreement expands or amends this Agreement and Disclosure Statement.\nPURCHASES REBATE: Net Credit Purchases made from February 1 through January 31 of the following year using my Visa Gold Plus Card\nor Account are eligible to receive a one percent (1%) cash rebate. \xe2\x80\x9cNet Credit Purchases\xe2\x80\x9d means the total of the credit purchases I make with\nmerchants less any merchant initiated returns, credits, or adjustments. Credit Purchases do not include Cash Advances or Balance Transfers.\nIf my Account is open and in good standing, the rebate shall be posted to my Bay Federal Credit Union Membership Savings Account by the end\nof February of the same year. If my Visa Gold Plus Account is closed or not in good standing on the last business day of January of the year in\nwhich the rebate is scheduled to be paid, the rebate shall be forfeited and will not be paid. You reserve the right to amend, cancel, modify, or\ntemporarily suspend the Purchases Rebate program, in whole or in part, at any time for any or no reason.\nCHANGING OR TERMINATING AUTHORIZED USERS: Upon my request, you may issue additional cards for authorized users that I designate.\nI must notify you in writing of any termination of an authorized user\xe2\x80\x99s right to access my Account. My letter must include the name of the\nauthorized user and my Account number and/or any sub-account number issued to the authorized user along with the authorized user\xe2\x80\x99s card. If I\ncannot return the authorized user\xe2\x80\x99s card and if I request my Account to be closed, you will close my Account and I may apply for a new account.\nDEFAULT: I will be in default if: 1) I do not pay on time or in the proper amount(s); 2) I fail to live up to any of the terms of this Agreement\nand Disclosure Statement; 3) my creditworthiness is impaired; or 4) I die, become insolvent, or am the subject of bankruptcy or receivership\nproceedings. In the event of any action by you to enforce this Agreement and Disclosure Statement, I agree to pay the costs thereof, reasonable\nattorneys\xe2\x80\x99 fees, and other expenses. I understand and agree that INTEREST CHARGES at the ANNUAL PERCENTAGE RATE as permitted under\nthis Agreement and Disclosure Statement will continue to accrue until I repay my entire Account Balance.\nACCELERATION AND COLLECTION COSTS: Upon my default, I understand and agree that you have the right to temporarily or permanently\nsuspend any and all Account and Card privileges and/or you may demand immediate payment of the Account Balance, including INTEREST\nCHARGES, Transaction Fees, and other FINANCE CHARGES, late charges, and your collection costs, reasonable attorneys\xe2\x80\x99 fees, and court costs\n(collectively, \xe2\x80\x9ccollection-related charges\xe2\x80\x9d). I understand and agree that I will be subject to INTEREST CHARGES (at the applicable Daily Periodic\nRate), Transaction Fees, and other FINANCE CHARGES, late charges, and collection-related charges under the terms disclosed in this Agreement\nand Disclosure Statement, until I repay my entire Account Balance.\nRESPONSIBILITY: I agree to repay you according to the terms of this Agreement and Disclosure Statement for all Purchases, Advances,\nBalance Transfers, INTEREST CHARGES, Transaction Fees, and other FINANCE CHARGES, and late charges (if any), arising from the use of the\nAccount by me or any other person I permit to use the Account, even if that person exceeds my permission. I cannot disclaim responsibility\nby notifying you, although you will close the Account if I so request and I will return all Cards to you. My obligation to pay the Account Balance\ncontinues even though an agreement, divorce decree, or other court judgment to which you are not a party may direct me or one of the other\npersons responsible to pay the Account. Any person using the Account and/or Card is jointly and severally responsible with me for charges\nhe or she makes, but if that person signs the Card he or she becomes a party to this Agreement and is also responsible for all charges on the\nAccount, including mine. The Cards remain your property and I must recover and surrender to you all Cards upon your request and/or upon\ntermination of this Account.\nUNAUTHORIZED USE: If I notice the loss or theft of my Card, Account number, or PIN, or a possible unauthorized use of my Card, I should\nwrite to you immediately at:\nBay Federal Credit Union\n3333 Clares Street\nCapitola, CA 95010\nor call you at 831.479.6000 or toll-free at 888.4BAYFED.\n\nBIN #423134\n\n5\n\nRev. 3/16/2020\n\n\x0cI will not be liable for any unauthorized use that occurs after I notify you. I may, however, be liable for unauthorized use that occurs before my\nnotice to you. In any case, my liability will not exceed $50. My liability may be lower in cases of Visa Card fraud in accordance with Current Visa\nU.S.A., Inc. Operating Rules.\nTERMINATION: You may terminate this Agreement and Disclosure Statement upon my default. Either you or I may terminate this Agreement\nand Disclosure Statement for other good cause. In no event shall any termination relieve me of my obligation to repay the entire Account\nBalance. I agree to return all the Cards issued to me or any party designated by me.\nINACTIVE ACCOUNT: If my Account does not have any activity for twelve (12) consecutive months, it will be considered an inactive account\nand my ability to take advances against my Credit Limit may be suspended. If my Account is inactive for twenty four (24) consecutive months,\nyou may close it.\nLIEN ON SHARES: If I have voluntarily agreed to a lien on shares in my Visa Application, I understand and agree that if I am in default on the\nAccount, you may apply all shares (except IRA accounts) then on deposit needed by you to repay my loan.\nPLEDGE OF SHARES: If I have signed a separate Pledge of Shares/Certificate Agreement, I understand and agree that I am pledging, under\nthe Uniform Commercial Code, shares now on deposit in my regular share and/or certificate account(s). I understand that I must, at all times,\nkeep a sum equal to my Credit Limit on deposit in the designated regular share and/or certificate account(s) identified on the Pledge of Shares/\nCertificate Agreement until I repay my entire Account Balance and the Account is terminated. I understand and agree that this security interest\nwill cover future Purchases and Advances under this Agreement. If I default, you may apply these shares to repay my Account Balance in\naccordance with federal or other law. I understand that the ANNUAL PERCENTAGE RATE quoted above does not take into account the amount\npledged in my regular share and/or certificate account(s).\nPERIODIC BILLING STATEMENTS: My Card or other Account activity will be reflected on the periodic billing statement. My periodic statement\nwill identify the merchant, electronic terminal, or financial institution at which transactions were made, but sales, Cash Advance, credit, or other\nslips cannot be returned with the periodic statement. I will retain the copy of such slips furnished to me at the time of the transaction in order to\nreconcile my periodic statement.\nAUTHORIZATIONS: Most transactions require approval of funds. Approvals result in placing a hold against my Credit Limit. You may limit the\nnumber or amount of approvals or Purchases and Advances per day or deny transactions when you detect unusual or suspicious activity, even if\nI have sufficient credit available. You are not liable for failing to approve any transaction and you may, although you are not required to, approve\ntransactions above my available Credit Limit.\nPLAN MERCHANT DISPUTES: You are not responsible for the refusal of any plan merchant or financial institution to honor the Account and/\nor Card. You are subject to claims and defenses (other than tort claims) arising out of goods or services I purchase with the Card only if I have\nmade a good faith attempt but have been unable to obtain satisfaction from the plan merchant, and (a) my purchase was made in response to an\nadvertisement you sent or participated in sending me; or (b) my purchase cost more than $50 and was made from a plan merchant in my state\nor within 100 miles of my current mailing address. Any other dispute I must resolve directly with the plan merchant. If I dispute a charge with a\nmerchant, you may, in your discretion, credit my Account for all or part of the disputed charge. If you do so, I assign and transfer to you all rights\nand claims (excluding tort claims) against the merchant. I agree that I will not pursue any claim against the merchant for the credited amount,\nand I must cooperate with you if you decide to do so.\nJOINT ACCOUNTS: If this is a joint account, each of us will be individually and jointly responsible for paying all amounts owed under this\nAgreement and Disclosure Statement. This means that the Credit Union can require any one of us individually to repay the Account Balance.\nEach of us authorizes the other(s) to make purchases or cash advances individually. Any one of us may terminate the Account and the\ntermination will be effective as to all of us.\nINTERNATIONAL TRANSACTIONS: Purchases, Cash Advances, and credits made in foreign currencies will be billed to my Account in U.S.\ndollars. The conversion to U.S. dollars will be made in accordance with the Visa operating regulations for international transactions. In the event\nthat an international transaction is converted to U.S. dollars, the exchange rate between the transaction currency and the billing currency used\nfor processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the\napplicable central processing date. The conversion rate may be different than the rate on the day of the transaction or date of the posting of\nthe Account. When a credit to the Account does not fully offset a charge to the Account due to changes in the rate, I am responsible for the\ndifference.\nRETURNS AND ADJUSTMENTS: Merchants and others who honor the Account and/or Card may give credit for returns or adjustments, and\nthey will do so by sending you a credit slip which you will post to the Account. If a credit fails to post to my Account, I may request your help in\nhaving the credit applied to my Account by sending you a copy of the credit slip issued by the merchant. I have the sole responsibility to obtain\nwritten proof of credit and to retain copies of credit receipts until the credit is properly applied to my Account. If my credits and payments\nexceed what I owe you, you will hold and apply this credit balance against future Purchases and Cash Advances, or if it is $1 or more, refund it\non my written request or automatically after six (6) months.\nLOST OR STOLEN CARD, NOTIFICATION AND LIABILITY: I will notify you AT ONCE if I believe that the Card, Account number, PIN, or any\ncombination of the three has been lost or stolen by immediately calling you at 831.479.6000 or toll-free at 888.4BAYFED or after hours at\n866.883.4414. Telephoning is the best way of keeping my possible losses down. In the event my Card is used fraudulently, I agree to assist you\nin your investigation. I understand that my total liability to you shall not exceed $50 for any Account and/or Card transactions resulting from the\nBIN #423134\n\n6\n\nRev. 3/16/2020\n\n\x0closs, theft, or other unauthorized use of the Account and/or Card that occurs prior to the time I give notice to you. Such liability does not apply\nwhen the Account and/or Card is used to make an electronic transfer.\nPAYMENTS MARKED \xe2\x80\x9cPAID IN FULL\xe2\x80\x9d: You may accept checks, money orders, or other types of payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or\nusing other language to indicate full satisfaction of any indebtedness without being bound by such language or waiving any rights under this\nAgreement and Disclosure Statement. Full satisfaction of indebtedness shall be accepted by you only in a written agreement, signed by an\nauthorized representative.\nOVERDRAFT TRANSFER COVERAGE AUTHORIZATION: I may affirmatively requst to link my Visa credit card to my checking account for\noverdraft protection on my checking account(s). If I do this, you may clear any overdrafts from my checking by Cash Advance from my Account\nin the amount of overdraft in increments of $50, subject to the terms of this Agreement and Disclosure Statement. If there are not sufficient\nfunds available for overdraft protection, my checks may be returned unpaid. All overdraft transfers from the Account to overdrawn checking\naccounts are treated as Cash Advances on the Account\nVisa ACCOUNT UPDATER (\xe2\x80\x9cVAU\xe2\x80\x9d) SERVICE: In the event that the Credit Union issues me a replacement or renewal of my Card, my Card\nDetails (e.g., my Visa account number, expiration date, and card verification value (CVV) security code) may change. Changes to my Card\nDetails can lead to disruptions of recurring payment services and interruptions in the products/services I receive from merchants, subscription\nservices, e-commerce merchants, or others who have my Card Details \xe2\x80\x9con file\xe2\x80\x9d because, after the issuance of the replacement or renewal of\nmy Card, the \xe2\x80\x9con-file\xe2\x80\x9d information these merchants possess may no longer be accurate. In order to avoid these disruptions, Visa has developed\na service called the Visa Account Updater (\xe2\x80\x9cVAU\xe2\x80\x9d) Service through which the Credit Union may provide my new Card Details to participating and\nqualifying merchants automatically. If I wish to opt-out from this Service, I must contact you by mail at the address on my statement, complete\nand submit the form on your website to opt-out from this Service, or call you at 831.479.6000 or toll free at 888.4BAYFED before receiving the\nreplacement or renewal of my Card.\nCHANGING BENEFITS: You have the right to add, modify or delete any benefit, service or feature of my Account at your discretion.\nASSIGNING THIS AGREEMENT: You may sell, transfer, or assign this Agreement and Disclosure Statement and my Account. You may do so\nat any time without notifying me. I may not sell, assign, or transfer my Account or any of my obligations under this Agreement and Disclosure\nStatement.\nDELAY IN ENFORCEMENT: You can delay enforcing any of your rights under this Agreement and Disclosure Statement without losing them.\nTELEPHONE MONITORING: You may listen to and record telephone calls between me and you for the purpose of making a record of the call\nand improving the quality of service I receive.\nGOVERNING LAW: I understand and agree that this Agreement and Disclosure Statement is made in California and shall be governed by the\nlaws of the State of California to the extent that California law is not inconsistent with controlling federal law. I also understand and agree that\nCalifornia\xe2\x80\x99s choice of law rules shall not be applied if they would result in the application of non-California law.\nINTEGRATED DOCUMENT(S): Any separate sheet of paper labeled \xe2\x80\x9cAdditional Disclosure - Federal Truth-in-Lending Act\xe2\x80\x9d which is delivered\ntogether with this Agreement and Disclosure Statement is an integrated part of this Agreement and Disclosure Statement. Any future\namendments to this Agreement and Disclosure Statement will be labeled as such and will form an integrated part of this Agreement and\nDisclosure Statement.\nMEMBERSHIP REQUIREMENT: I understand and agree that I must be and remain a member in good standing with you to be eligible for\ncontinuing Account and/or Card privileges including future Purchases and Advances. I understand and agree that you may suspend the Account\nand/or Card privileges during any period in which I do not maintain my membership with you.\nCHANGE OF PERSONAL INFORMATION: I understand and agree that I must immediately report to you any change in my name, address,\nhome, work, or cellular telephone numbers, or employment status. I also agree to advise you of any change to my financial condition that may\naffect my creditworthiness.\nACCURACY OF INFORMATION: The information provided in my request for credit (Application) is accurate and I will notify you in writing\nimmediately if there is a change in my financial condition. You may retain the Application. I understand that it is a violation of Section 1014, Title\n18, US Code to make false statements or over value security for the purpose of influencing the action of any federally insured credit union.\nYou may gather credit and/or employment information you deem necessary and appropriate from time to time and you may give information\nconcerning your credit experience with me to others.\nSEVERABILITY AND FINAL EXPRESSION: This Agreement and Disclosure Statement are the final expression of the terms and conditions\nof my Account. This written Agreement and Disclosure Statement may not be contradicted by evidence of any alleged oral agreement. Should\nany part of this Agreement and Disclosure Statement be found to be invalid or unenforceable, all other parts of this Agreement and Disclosure\nStatement shall remain in effect and fully enforceable to the fullest extent possible under this Agreement and Disclosure Statement.\nCOPY RECEIVED: I acknowledge receipt of a copy of this Agreement and Disclosure Statement and agree to accept its terms.\nNOTICE: The statement on page 8 includes important information regarding my right to dispute billing errors.\n\nBIN #423134\n\n7\n\nRev. 3/16/2020\n\n\x0cMy Billing Rights: Keep this Notice for Future Use\nThis notice tells me about my rights and your responsibilities under the Fair Credit Billing Act.\nWhat To Do If I Find a Mistake on My Statement\n\n2. If you do not believe there was a mistake: I will have to pay the\namount in question, along with applicable interest and fees.\nYou will send me a statement of the amount I owe and the date\npayment is due. You may then report me as delinquent if I do\nnot pay the amount you think I owe.\n\nIf I think there is an error on my statement, I must write to you at:\nBay Federal Credit Union\n3333 Clares Street\nCapitola, CA 95010\n\nIf I receive your explanation but still believe my bill is wrong, I must\nwrite to you within 10 days telling you that I still refuse to pay. If I\ndo so, you cannot report me as delinquent without also reporting\nthat I am questioning my bill. You must tell me the name of anyone\nto whom you reported me as delinquent, and you must let those\norganizations know when the matter has been settled between us.\n\nIn my letter, I must give you the following information:\n\xe2\x80\xa2 Account information: My name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If I think there is an error on my bill, I\nmust describe what I believe is wrong and why I believe it is a\nmistake.\n\nIf you do not follow all of the rules above, I do not have to pay the\nfirst $50 of the amount I question even if my bill is correct.\n\nI must contact you:\n\nMy Rights If I am Dissatisfied With My Credit Card\nPurchases\n\n\xe2\x80\xa2 Within 60 days after the error appeared on my statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if I want to stop payment on the amount I think is\nwrong.\n\nIf I am dissatisfied with the goods or services that I have purchased\nwith my credit card, and I have tried in good faith to correct the\nproblem with the merchant, I may have the right not to pay the\nremaining amount due on the purchase.\n\nI must notify you of any potential errors in writing. I may call you,\nbut if I do you are not required to investigate any potential errors\nand I may have to pay the amount in question.\n\nTo use this right, all of the following must be true:\n1. The purchase must have been made in my home state or\nwithin 100 miles of my current mailing address, and the\npurchase price must have been more than $50. (Note: Neither\nof these are necessary if my purchase was based on an\nadvertisement you mailed to me, or if you own the company\nthat sold me the goods or services.)\n\nWhat Will Happen After You Receive My Letter\nWhen you receive my letter, you must do two things:\n1. Within 30 days of receiving my letter, you must tell me that\nyou received my letter. You will also tell me if you have already\ncorrected the error.\n\n2. I must have used my credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that\naccesses my credit card account do not qualify.\n\n2. Within 90 days of receiving my letter, you must either correct\nthe error or explain to me why you believe the bill is correct.\nWhile you investigate whether or not there has been an\nerror:\n\n3. I must not have fully paid for the purchase.\nIf all of the criteria above are met and I am still dissatisfied with the\npurchase, I must contact you in writing at:\n\n\xe2\x80\xa2 You cannot try to collect the amount in question, or report me\nas delinquent on that amount.\n\nBay Federal Credit Union\n3333 Clares Street\nCapitola, CA 95010\n\n\xe2\x80\xa2 The charge in question may remain on my statement, and you\nmay continue to charge me interest on that amount.\n\xe2\x80\xa2 While I do not have to pay the amount in question, I am\nresponsible for the remainder of my balance.\n\nWhile you investigate, the same rules apply to the disputed amount\nas discussed above. After you finish your investigation, you will tell\nme your decision. At that point, if you think I owe an amount and I\ndo not pay, you may report me as delinquent.\n\n\xe2\x80\xa2 You can apply any unpaid amount against my credit limit.\nAfter you finish your investigation, one of two things will\nhappen:\n1. If you made a mistake: I will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\nBIN #423134\n\n8\n\nRev. 3/16/2020\n\n\x0c'


b'Visa Gold\n\nFederal Truth-in-Lending Account Agreement and Disclosure Statement\nEffective March 16, 2020 | W333R\n\nINTEREST RATES AND INTEREST CHARGES\n\n9.99%\n\nAnnual Percentage Rate (APR) for Purchases,\nBalance Transfers and Cash Advances\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nMy due date is at least 21 days after the close of each billing cycle. You will\nnot charge me interest on purchases if I pay my entire balance by the due\ndate of each month. You will begin charging interest on cash advances and\nbalance transfers on the transaction date.\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using\na credit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\nCash Advance: Either $2 or 2% of the amount of each cash advance, whichever is greater.\nInternational Transactions: None\nPenalty Fees\nLate Payment: up to $39\nReturned Payment: up to $28\nHow We Will Calculate Your Balance: We will use a method called \xe2\x80\x9cAverage Daily Balance (including new purchases).\xe2\x80\x9d See the\nAgreement and Disclosure Statement below for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Agreement\nand Disclosure Statement.\n\nVISA GOLD CREDIT CARD ACCOUNT AGREEMENT AND DISCLOSURE STATEMENT\nIn this Visa\xc2\xae Gold Credit Card Agreement and Disclosure Statement, (\xe2\x80\x9cAgreement and Disclosure Statement\xe2\x80\x9d), the words \xe2\x80\x9cI,\xe2\x80\x9d \xe2\x80\x9cme,\xe2\x80\x9d \xe2\x80\x9cmy,\xe2\x80\x9d and\n\xe2\x80\x9cmine\xe2\x80\x9d mean each and all of those who apply for or use the Bay Federal Credit Union Visa Gold Card and/or Visa Credit Card Account. \xe2\x80\x9cCredit\nUnion,\xe2\x80\x9d \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean Bay Federal Credit Union. \xe2\x80\x9cCard\xe2\x80\x9d means the Visa Card issued to me and any duplicates and/or renewals\nyou may issue. \xe2\x80\x9cAccount\xe2\x80\x9d means my Visa Card Account with you.\nBy requesting and receiving, signing, using, or permitting others to use the Card and/or Account issued to me by you, I agree to be bound by the\nterms and conditions as set forth herein and any amendments thereto.\nNOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A VARIABLE ANNUAL PERCENTAGE (INTEREST) RATE.\nAUTHORIZATION AND PAYMENT: I authorize you to pay and charge my Account for all Purchases, Balance Transfers, and Cash Advances\nmade or obtained by me or anyone I authorize to use my Card or Account. I will be obligated to pay all such Purchases, Balance Transfers,\nand Cash Advances charged to my Account whether resulting from: (1) actual use of my Card; (2) mail order or telephone, computer, or other\nelectronic Purchases made without presenting the Card; or (3) any other circumstance where I authorize a charge, or authorize someone else to\nmake a charge, to my Account (collectively, \xe2\x80\x9cauthorized charges\xe2\x80\x9d). I promise to pay you or to your order in U.S. Dollars with an instrument drawn\non a financial institution in the United States at your office or at the address set forth on my periodic statement all authorized charges on the\nterms and at the rates set forth herein, plus any FINANCE CHARGES assessed on my Account, and any other charges and fees which I may owe\nyou under the terms of this Agreement and Disclosure Statement (the \xe2\x80\x9cAccount Balance\xe2\x80\x9d). I must continue to make payments until I have paid the\nAccount Balance in full.\n\nBIN #423133\n\n1\n\nRev. 3/16/2020\n\n\x0cCHANGE OF TERMS: Account and agreement terms are not guaranteed for any period of time. I understand and agree that you may amend,\nmodify, add to, or delete from this Agreement and Disclosure Statement any of its terms and conditions, including financial terms such as the\nmethod of application and the amount of any INTEREST CHARGE, Transaction Fee, or other FINANCE CHARGE, ANNUAL PERCENTAGE RATE,\ndaily periodic rate, and/or fee in accordance with applicable laws. If required by applicable law, you will mail a notice of the change to me at my\nlast known address. I also understand that in the event of a significant change in account terms, as defined under the Federal Truth in Lending\nAct, any such notice will be mailed at least forty-five (45) days prior to the effective date of the significant change in account terms as required\nby applicable law. If you are required by applicable law to provide me a right to reject significant changes to this Agreement and Disclosure\nStatement prior to the effective date of such changes, you will provide me with an explanation of how to reject the significant changes, unless I\nfail to make a required minimum payment within sixty (60) days after its due date. You may change the terms of this Agreement and Disclosure\nStatement based on information in my credit report, market conditions, business strategy or for any other reason. Notice of a change in terms is\nrequired, but may be sent as late as the effective date of the change where the change has been agreed to in writing, by me.\nINTEREST RATES AND INTEREST CHARGES: I understand that a portion of my FINANCE CHARGES incurred during a billing cycle will include\nmy INTEREST CHARGES incurred during that billing cycle. The INTEREST CHARGE for a billing cycle will be calculated by applying my Daily\nPeriodic Rate to my Average Daily Balance multiplied by the number of days in the cycle. I understand and agree that under the \xe2\x80\x9cChange of\nTerms\xe2\x80\x9d section above, you have the right in your sole and absolute discretion to change the amount of any ANNUAL PERCENTAGE RATE, Daily\nPeriodic Rate and/or INTEREST CHARGE that may apply to my Account.\nVISA VARIABLE RATE PROGRAM \xe2\x80\x93 HOW YOU CALCULATE CHANGES IN MY MONTHLY PERIODIC INTEREST CHARGE, MONTHLY\nPERIODIC RATE, AND ANNUAL PERCENTAGE RATE: I understand and agree that your Visa program is a variable rate program. What this\nmeans is that, with the exception of any applicable Purchase or Balance Transfer introductory ANNUAL PERCENTAGE RATE promotional period,\nmy ANNUAL PERCENTAGE RATE may increase or decrease on a monthly basis while I maintain my Account with you.\nThe ANNUAL PERCENTAGE RATE that applies may vary with changes to the Prime Rate, which is the highest (U.S.) Prime Rate published in the\nMoney Rates section of The Wall Street Journal (the \xe2\x80\x9cIndex\xe2\x80\x9d).\nMy ANNUAL PERCENTAGE RATE for Cash Advances, Balance Transfers, and Purchases is determined by adding a \xe2\x80\x9cMargin\xe2\x80\x9d as set forth in the\ntable below to the Index in effect as of each Adjustment Date (defined below). The Initial Daily Periodic Rate in effect as of the date of this\nAgreement and Disclosure Statement is set forth in the table below. In the event that the Prime Rate ceases to be published, changes in the\nANNUAL PERCENTAGE RATE will be related to a comparable Index. You may waive an increase in the ANNUAL PERCENTAGE RATE when such an\nincrease can be made, but such a waiver shall not be construed as a waiver of your right to increase the ANNUAL PERCENTAGE RATE at a future\ndate when entitled to do so.\nMy ANNUAL PERCENTAGE RATE is subject to change monthly on the 16th day of the month based on an increase or decrease in the Index. These\ndates will be known as \xe2\x80\x9cAdjustment Dates.\xe2\x80\x9d The Index in effect on the First (1st) business day of the month will be used to calculate the ANNUAL\nPERCENTAGE RATE change effective on the Adjustment Date. For example, the Index in effect on February 1 will be used to calculate the ANNUAL\nPERCENTAGE RATE change effective on February 16th of the same year. All other Adjustment Date rate changes will follow the same pattern.\nThe maximum ANNUAL PERCENTAGE RATE during the term of this Agreement and Disclosure Statement is 18%. There is no minimum ANNUAL\nPERCENTAGE RATE during the term of this Agreement and Disclosure Statement. There are no annual (or other) limitations on changes in the\nANNUAL PERCENTAGE RATE during the term of this Agreement and Disclosure Statement. Decreases in the ANNUAL PERCENTAGE RATE\nin accordance with the terms of the Agreement and Disclosure Statement are mandatory. Increases in the ANNUAL PERCENTAGE RATE in\naccordance with the terms of this Agreement and Disclosure Statement are at your discretion. Any increase or decrease in the ANNUAL\nPERCENTAGE RATE will result in changes in the amount and/or number of payments required to repay the Account Balance. Each change in\nthe ANNUAL PERCENTAGE RATE and Daily Periodic Rate which is the result of an increase or decrease in the Index will apply to any balance\noutstanding on the effective date of such change as well as to future Purchases and Advances.\nThe Daily Periodic Rate is determined by dividing the ANNUAL PERCENTAGE RATE by 365 and will change when the ANNUAL PERCENTAGE RATE changes.\n\nPurchases, Cash Advances,\nBalance Transfers\n\nMargin\n\nInitial Index\n\nInitial Daily\nPeriodic Rate\n\nInitial ANNUAL\nPERCENTAGE RATE\n\n6.74%\n\n3.25%\n\n.02737%\n\n9.99%\n\nTRANSACTION FEES: I understand that, in addition to INTEREST CHARGES incurred during a billing cycle, another portion of my FINANCE\nCHARGES incurred during a billing cycle may include Transaction Fees incurred during that billing cycle. I understand and agree that under the\n\xe2\x80\x9cChange of Terms\xe2\x80\x9d section above, you have the right in your sole and absolute discretion to change the amount of any Transaction Fee that may\napply to my Account, in accordance with applicable law. My Transaction Fees for a billing cycle include the following fees:\n1. Cash Advance Fee: Cash Advance transactions are subject to a Cash Advance Fee of $2 or 2% of the amount of the Advance, whichever is\ngreater, is posted to the Account during the billing cycle.\nThe above Transaction Fees and other fees for the billing cycle will be shown on my periodic statement.\n\nBIN #423133\n\n2\n\nRev. 3/16/2020\n\n\x0cCREDIT INFORMATION: At your request, I will update the credit information that I have provided to you. I authorize you to investigate my credit\nstanding when opening, renewing, or reviewing the Account, and I authorize you to disclose information regarding the Account to credit bureaus\nand other creditors who inquire of you about my credit standing to the extent authorized by law. If I question the accuracy of your reported\ninformation to a credit reporting agency, I will write to you at the address listed on my periodic statement with a description of my dispute. If\navailable, I will provide you with a copy of the credit report in question.\nHOW TO COMPUTE THE PURCHASE BALANCE, CONSISTING OF TRANSACTIONS RELATED TO PURCHASES OF GOODS AND\nSERVICES, UPON WHICH PERIODIC INTEREST CHARGES ARE ASSESSED.\nAverage Daily Balance (including new purchases)\nThe periodic INTEREST CHARGES for a billing cycle are computed by applying the Daily Periodic Rate to the Average Daily Balance of Purchases\n(including new Purchase transactions). To get the Average Daily Balance of Purchase transactions, you take the beginning balance of Purchase\ntransactions on my Account each day, add any new Purchases, and subtract any payments or credits, and unpaid INTEREST CHARGES and other\nFINANCE CHARGES. This gives you the daily balance of Purchase transactions. Then, you add up all the daily balances of Purchase transactions\nfor the billing cycle and divide the total by the number of days in the billing cycle. This gives you the Average Daily Balance of Purchase\ntransactions.\nI have at least a 21 day grace period from the close of each billing cycle to pay the entire New Balance without incurring additional INTEREST\nCHARGES provided that either: (1) you received payment in full of the ending balance for the previous billing cycle by the Payment Due Date\ndisclosed in the periodic statement for the previous billing cycle; or (2) the ending balance of the previous billing cycle was $0. If I have a grace\nperiod to pay the entire New Balance for any billing cycle, and do not pay the entire New Balance in full during this grace period, INTEREST\nCHARGES will be assessed on any portion of the entire New Balance not paid during the grace period using the Average Daily Balance method\nas explained above. The Payment Due Date disclosed on each periodic statement provided to me is the last day of my grace period for that\nstatement\xe2\x80\x99s billing cycle.\nHOW TO COMPUTE THE CASH ADVANCES BALANCE (CONSISTING OF TRANSACTIONS RELATED TO CASH AND OTHER ADVANCE\nTRANSACTIONS) UPON WHICH PERIODIC INTEREST CHARGES ARE ASSESSED.\nAverage Daily Balance\n(including new Cash Advances and Other Advance Transactions)\nThe periodic INTEREST CHARGES for a billing cycle are computed by applying the Daily Periodic Rate to the Average Daily Balance of Cash\nAdvances (including new Cash Advances). To get the Average Daily Balance of Cash Advance transactions, you take the beginning balance of\nCash Advance transactions on my Account each day, add any new Cash Advances, and subtract any payments or credits, and unpaid INTEREST\nCHARGES and other FINANCE CHARGES. This gives you the daily balance of Cash Advance transactions. Then, you add up all the daily balances\nof Cash Advance transactions for the billing cycle and divide the total by the number of days in the billing cycle. This gives you the Average Daily\nBalance of Cash Advance transactions. There is no grace period in order to avoid the imposition of INTEREST CHARGES on Cash Advances.\nHOW TO COMPUTE THE BALANCE TRANSFER BALANCE UPON WHICH PERIODIC INTEREST CHARGES ARE ASSESSED.\nAverage Daily Balance (including new Balance Transfers)\nThe periodic INTEREST CHARGES for a billing cycle are computed by applying the Daily Periodic Rate to the Average Daily Balance of Balance\nTransfers (including new Balance Transfers). To get the Average Daily Balance of Balance Transfer transactions you take the beginning balance\nof Balance Transfer transactions on my Account each day, add any new Balance Transfer transactions, and subtract any payments or credits,\nand unpaid INTEREST CHARGES and other FINANCE CHARGES. This gives you the daily balance of Balance Transfer transactions. Then, you add\nup all the daily balances of Balance Transfer transactions for the billing cycle and divide the total by the number of days in the billing cycle. This\ngives you the Average Daily Balance of Balance Transfer transactions. There is no grace period in order to avoid the imposition of INTEREST\nCHARGES on Balance Transfers.\nThe calculations in the sections above determine my total INTEREST CHARGE for the billing cycle. Actual INTEREST CHARGES will be shown on\nmy periodic statement. The combination of periodic INTEREST CHARGES and Cash Advance Fees, will not exceed the ANNUAL PERCENTAGE\nRATE permitted under applicable law.\nMINIMUM PAYMENT: Every month, I must pay at least the Minimum Payment Due by the Payment Due Date shown on my periodic statement.\nBy separate agreement, I may authorize you to automatically transfer the Minimum Payment Due from my Credit Union share or share draft\naccount. I may, of course, pay more frequently, pay more, or pay the Account Balance in full, and I will reduce my periodic INTEREST CHARGE by\ndoing so. The Minimum Payment Due will be either: (a) 2.5% of my Account Balance, or $25, whichever is greater; or (b) my Account Balance, if it\nis less than $25.\nIn addition, I must pay any amount on my periodic statement listed as past due and any late charge. Lastly, at any time my Account Balance\nexceeds my Credit Limit, I must pay the excess.\n\nBIN #423133\n\n3\n\nRev. 3/16/2020\n\n\x0cI understand and agree that any Minimum Monthly Payment made by me will be applied in the following order: (a) unpaid periodic INTEREST\nCHARGES, Transaction Fees, and other FINANCE CHARGES due on Purchases, Balance Transfers, and Cash Advances; (b) outstanding balances\nof Cash Advances, Balance Transfers, and Purchases previously billed; (c) current Cash Advances, Balance Transfers, and Purchases; and (d)\nunpaid fees and charges, if any. If two or more transactions are posted on the same day, my payment will be applied first to the smaller of them.\nAny payment I make in excess of the Minimum Monthly Payment will be applied to my balances subject to the highest ANNUAL PERCENTAGE\nRATE first, then to balances subject to lower ANNUAL PERCENTAGE RATES, in descending order of ANNUAL PERCENTAGE RATES until all\nbalances subject to an ANNUAL PERCENTAGE RATE are paid in full. Thereafter, you will apply all payments in excess of the Minimum Monthly\nPayment, if applicable, in the same order as you apply the Minimum Monthly Payment.\nPREPAYMENT OR IRREGULAR PAYMENTS: Though I need only pay the Minimum Payment Due, I understand that I have the right to repay\nmy Account Balance at any time without penalty. I also understand and agree that I will only be charged INTEREST CHARGES to the date I repay\nmy entire Account Balance. I may make larger payments without penalty and this may reduce the total amount of INTEREST CHARGES that I will\nrepay. If I pay more than the Minimum Payment Due in any month and there is still a balance due, I must continue to make Minimum Payments\nin future months. Any partial payment of my Account Balance will not advance my next payment due date(s). I understand and agree that any\npayment that (a) delays or (b) accelerates the repayment of my Account Balance will (a) increase or (b) decrease my Monthly Periodic INTEREST\nCHARGE. Credits from merchants may not be applied to the Minimum Payment Due.\nPAYMENTS BY AUTOMATIC TRANSFER: If I request payment by automatic transfer, I understand and agree that no payment can or will\nbe made if there are insufficient or uncollected funds in the designated account to make the scheduled payment. Should this event occur, I\nunderstand and agree that I will not be released from making the payment. Any automatic transfer I have requested will remain in effect until I\ncancel it in writing or the Account Balance is paid in full. You may cancel this service at your discretion.\nRECURRING PAYMENTS: The use of my Account to make pre-authorized electronic recurring bill payments constitutes an Electronic Fund\nTransfer. I may be able to place a stop payment on a pre-authorized electronic recurring bill payment in accordance with the terms of your\nElectronic Funds Transfer Disclosure and Agreement with me. Any such stop payment order is subject to a Stop Payment Fee of $29 for each\nstop payment order I give. A stop payment/revocation order does not release me from the obligation to pay for goods and services purchased\nfrom merchants.\nCREDIT LIMIT AND CASH ADVANCE LIMIT: My Account has a Credit Limit that is established by you. You may make part of my Credit Limit\navailable for Cash Advances (Cash Advance Limit). There may also be a limit on the amount I can withdraw from automated teller machines\n(ATMs) in a given period. The Credit Limit and Cash Advance Limit are shown on the Welcome letter and periodic statements. I agree to manage\nmy Account so that: (1) my Account Balance (including fees and INTEREST CHARGES) is not more than my Credit Limit; and (2) my Cash Advance\nbalance (including fees and INTEREST CHARGES) is not more than my Cash Advance Limit. However, if my Account Balance exceeds my Credit\nLimit or Cash Advance Limit, I am still obligated to pay you. You may increase or decrease my Credit Limit at any time and you may notify me of\nsuch increase or decrease by mail or through a statement sent to the primary Account-holder\xe2\x80\x99s address of record, in accordance with applicable\nlegal requirements. If I object to any Credit Limit increase, I must notify you immediately. I or my joint applicant for the Account may request\nan increase to the Credit Limit orally, in writing, or electronically, but any such request must be approved by you. Any request from me or my\njoint applicant to reduce or suspend the Credit Limit must be submitted in writing. If my Credit Limit is increased, I am immediately responsible\nfor the new Credit Limit and any increase in the Account Balance even when it differs from an amount previously agreed to orally or in writing.\nPurchases and Advances are subject to daily limits that may restrict the full use of my available Credit Limit.\nRETURNED PAYMENT FEE: If a payment that was applied to my Account is returned to you unpaid for any reason, I will be charged a Returned\nPayment Fee of $28. This fee will also apply to any payments made by automatic transfer that cannot be posted due to insufficient funds in my\nregular share or checking account. However, the Returned Payment Fee will not exceed the Minimum Payment Due on the last Payment Due Date\nbefore the payment is returned.\nCASH ADVANCE FEE: For each Cash Advance, a Cash Advance Fee of either $2 or 2% of the amount of the Advance will be charged, whichever\nis greater.\nLATE PAYMENT FEE: I will be charged a Late Payment Fee of up to $39 as follows: If you do not receive the minimum Payment Due by the\nPayment Due Date, the fee is $28. If I make another late payment within the next 6 billing periods, the Late Payment Fee is $39. However, the\nLate Payment Fee will not exceed the Minimum Payment Due.\nRUSH CARD FEE: I will be charged a Rush Card Fee of $30 per card for expedited delivery.\nDOCUMENT FEE: If a copy of any periodic statement, sales draft, or similar document is provided by you at my request (other than in\nconnection with a billing error inquiry), a Document Fee of $12 may be imposed by you on my Account. This fee will not be assessed, however, if\nit was requested in connection with a Billing Error.\nPROMOTIONAL RATE OFFERS: From time to time and at your discretion, you may offer a promotional ANNUAL PERCENTAGE RATE for all or\nany part of my Account Balance, Balance Transfer, or future transactions. The period of time for which the promotional ANNUAL PERCENTAGE\nRATE applies may be limited. Any applicable promotional ANNUAL PERCENTAGE RATE, the corresponding periodic rates, and the period of time\nduring which they are in effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement.\n\nBIN #423133\n\n4\n\nRev. 3/16/2020\n\n\x0cUSING THE CARD: I may use my Card to make Purchases or request Advances or Balance Transfers in accordance with the current policies,\nup to my Credit Limit. Cash advance transactions include ATM withdrawals, online funds transfers, telephonic funds transfers, and in person\nCash Advances at a financial institution\xe2\x80\x99s branch from the Account. All transactions are subject to your approval. To make a Purchase or request\nAdvances or Balance Transfers in accordance with the current policies, there are two alternative procedures to be followed. One is for me to\npresent the Card or Card number to a participating Visa plan merchant, to you, or to another financial institution, and sign or authorize a sales or\nCash Advance draft. The other is to complete the transaction by using my Personal Identification Number (PIN) in conjunction with the Card in an\nAutomated Teller Machine or other type of electronic terminal that provides access to the Visa system. To make a Balance Transfer, I must call\nyou at 831.479.6000 or toll-free at 888.4BAYFED, or follow the instructions provided by you in connection with any Balance Transfer promotion\nthat you may offer\nMy Card and/or Account may not be used directly or indirectly for: (1) any illegal activity or transaction; or (2) any gambling, gaming, betting, or\nsimilar activity or transaction. Further, I may not utilize my Card and/or Account for the purchase of any goods or services on the Internet that\ninvolve gambling, gaming, betting, or any similar transaction or activity. Such transactions include, but may not be limited to, any quasi-cash or\nonline gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the\npurchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. However, in the event that a charge or transaction\ndescribed in this paragraph is approved and processed, I will still be responsible for such charges.\nELECTRONIC FUNDS TRANSFER: In the event a use of the Card or the Account number of the Card constitutes an Electronic Funds Transfer,\nthe terms and conditions of my Electronic Services Disclosure and Agreement with you shall govern such transactions to the extent the\nElectronic Services Disclosure and Agreement expands or amends this Agreement and Disclosure Statement.\nCHANGING OR TERMINATING AUTHORIZED USERS: Upon my request, you may issue additional cards for authorized users that I designate.\nI must notify you in writing of any termination of an authorized user\xe2\x80\x99s right to access my Account. My letter must include the name of the\nauthorized user and my Account number and/or any sub-account number issued to the authorized user along with the authorized user\xe2\x80\x99s card. If I\ncannot return the authorized user\xe2\x80\x99s card and if I request my Account to be closed, you will close my Account and I may apply for a new account.\nDEFAULT: I will be in default if: 1) I do not pay on time or in the proper amount(s); 2) I fail to live up to any of the terms of this Agreement\nand Disclosure Statement; 3) my creditworthiness is impaired; or 4) I die, become insolvent, or am the subject of bankruptcy or receivership\nproceedings. In the event of any action by you to enforce this Agreement and Disclosure Statement, I agree to pay the costs thereof, reasonable\nattorneys\xe2\x80\x99 fees, and other expenses. I understand and agree that INTEREST CHARGES at the ANNUAL PERCENTAGE RATE as permitted under\nthis Agreement and Disclosure Statement will continue to accrue until I repay my entire Account Balance.\nACCELERATION AND COLLECTION COSTS: Upon my default, I understand and agree that you have the right to temporarily or permanently\nsuspend any and all Account and Card privileges and/or you may demand immediate payment of the Account Balance, including INTEREST\nCHARGES, Transaction Fees, and other FINANCE CHARGES, late charges, and your collection costs, reasonable attorneys\xe2\x80\x99 fees, and court costs\n(collectively, \xe2\x80\x9ccollection-related charges\xe2\x80\x9d). I understand and agree that I will be subject to INTEREST CHARGES (at the applicable Daily Periodic\nRate), Transaction Fees, and other FINANCE CHARGES, late charges, and collection-related charges under the terms disclosed in this Agreement\nand Disclosure Statement, until I repay my entire Account Balance.\nRESPONSIBILITY: I agree to repay you according to the terms of this Agreement and Disclosure Statement for all Purchases, Advances,\nBalance Transfers, INTEREST CHARGES, Transaction Fees, and other FINANCE CHARGES, and late charges (if any), arising from the use of the\nAccount by me or any other person I permit to use the Account, even if that person exceeds my permission. I cannot disclaim responsibility\nby notifying you, although you will close the Account if I so request and I will return all Cards to you. My obligation to pay the Account Balance\ncontinues even though an agreement, divorce decree, or other court judgment to which you are not a party may direct me or one of the other\npersons responsible to pay the Account. Any person using the Account and/or Card is jointly and severally responsible with me for charges\nhe or she makes, but if that person signs the Card he or she becomes a party to this Agreement and is also responsible for all charges on the\nAccount, including mine. The Cards remain your property and I must recover and surrender to you all Cards upon your request and/or upon\ntermination of this Account.\nUNAUTHORIZED USE: If I notice the loss or theft of my Card, Account number, or PIN, or a possible unauthorized use of my Card, I should\nwrite to you immediately at:\nBay Federal Credit Union\n3333 Clares Street\nCapitola, CA 95010\nor call you at 831.479.6000 or toll-free at 888.4BAYFED.\nI will not be liable for any unauthorized use that occurs after I notify you. I may, however, be liable for unauthorized use that occurs before my\nnotice to you. In any case, my liability will not exceed $50. My liability may be lower in cases of Visa Card fraud in accordance with Current Visa\nU.S.A., Inc. Operating Rules.\nTERMINATION: You may terminate this Agreement and Disclosure Statement upon my default. Either you or I may terminate this Agreement\nand Disclosure Statement for other good cause. In no event shall any termination relieve me of my obligation to repay the entire Account\nBalance. I agree to return all the Cards issued to me or any party designated by me.\n\nBIN #423133\n\n5\n\nRev. 3/16/2020\n\n\x0cINACTIVE ACCOUNT: If my Account does not have any activity for twelve (12) consecutive months, it will be considered an inactive account\nand my ability to take advances against my Credit Limit may be suspended. If my Account is inactive for twenty four (24) consecutive months,\nyou may close it.\nLIEN ON SHARES: If I have voluntarily agreed to a lien on shares in my Visa Application, I understand and agree that if I am in default on the\nAccount, you may apply all shares (except IRA accounts) then on deposit needed by you to repay my loan.\nPLEDGE OF SHARES: If I have signed a separate Pledge of Shares/Certificate Agreement, I understand and agree that I am pledging, under\nthe Uniform Commercial Code, shares now on deposit in my regular share and/or certificate account(s). I understand that I must, at all times,\nkeep a sum equal to my Credit Limit on deposit in the designated regular share and/or certificate account(s) identified on the Pledge of Shares/\nCertificate Agreement until I repay my entire Account Balance and the Account is terminated. I understand and agree that this security interest\nwill cover future Purchases and Advances under this Agreement. If I default, you may apply these shares to repay my Account Balance in\naccordance with federal or other law. I understand that the ANNUAL PERCENTAGE RATE quoted above does not take into account the amount\npledged in my regular share and/or certificate account(s).\nPERIODIC BILLING STATEMENTS: My Card or other Account activity will be reflected on the periodic billing statement. My periodic statement\nwill identify the merchant, electronic terminal, or financial institution at which transactions were made, but sales, Cash Advance, credit, or other\nslips cannot be returned with the periodic statement. I will retain the copy of such slips furnished to me at the time of the transaction in order to\nreconcile my periodic statement.\nAUTHORIZATIONS: Most transactions require approval of funds. Approvals result in placing a hold against my Credit Limit. You may limit the\nnumber or amount of approvals or Purchases and Advances per day or deny transactions when you detect unusual or suspicious activity, even if\nI have sufficient credit available. You are not liable for failing to approve any transaction and you may, although you are not required to, approve\ntransactions above my available Credit Limit.\nPLAN MERCHANT DISPUTES: You are not responsible for the refusal of any plan merchant or financial institution to honor the Account and/\nor Card. You are subject to claims and defenses (other than tort claims) arising out of goods or services I purchase with the Card only if I have\nmade a good faith attempt but have been unable to obtain satisfaction from the plan merchant, and (a) my purchase was made in response to an\nadvertisement you sent or participated in sending me; or (b) my purchase cost more than $50 and was made from a plan merchant in my state\nor within 100 miles of my current mailing address. Any other dispute I must resolve directly with the plan merchant. If I dispute a charge with a\nmerchant, you may, in your discretion, credit my Account for all or part of the disputed charge. If you do so, I assign and transfer to you all rights\nand claims (excluding tort claims) against the merchant. I agree that I will not pursue any claim against the merchant for the credited amount,\nand I must cooperate with you if you decide to do so.\nJOINT ACCOUNTS: If this is a joint account, each of us will be individually and jointly responsible for paying all amounts owed under this\nAgreement and Disclosure Statement. This means that the Credit Union can require any one of us individually to repay the Account Balance.\nEach of us authorizes the other(s) to make purchases or cash advances individually. Any one of us may terminate the Account and the\ntermination will be effective as to all of us.\nINTERNATIONAL TRANSACTIONS: Purchases, Cash Advances, and credits made in foreign currencies will be billed to my Account in U.S.\ndollars. The conversion to U.S. dollars will be made in accordance with the Visa operating regulations for international transactions. In the event\nthat an international transaction is converted to U.S. dollars, the exchange rate between the transaction currency and the billing currency used\nfor processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the\napplicable central processing date. The conversion rate may be different than the rate on the day of the transaction or date of the posting of\nthe Account. When a credit to the Account does not fully offset a charge to the Account due to changes in the rate, I am responsible for the\ndifference.\nRETURNS AND ADJUSTMENTS: Merchants and others who honor the Account and/or Card may give credit for returns or adjustments, and\nthey will do so by sending you a credit slip which you will post to the Account. If a credit fails to post to my Account, I may request your help in\nhaving the credit applied to my Account by sending you a copy of the credit slip issued by the merchant. I have the sole responsibility to obtain\nwritten proof of credit and to retain copies of credit receipts until the credit is properly applied to my Account. If my credits and payments\nexceed what I owe you, you will hold and apply this credit balance against future Purchases and Cash Advances, or if it is $1 or more, refund it\non my written request or automatically after six (6) months.\nLOST OR STOLEN CARD, NOTIFICATION AND LIABILITY: I will notify you AT ONCE if I believe that the Card, Account number, PIN, or any\ncombination of the three has been lost or stolen by immediately calling you at 831.479.6000 or toll-free at 888.4BAYFED or after hours at\n866.883.4414. Telephoning is the best way of keeping my possible losses down. In the event my Card is used fraudulently, I agree to assist you\nin your investigation. I understand that my total liability to you shall not exceed $50 for any Account and/or Card transactions resulting from the\nloss, theft, or other unauthorized use of the Account and/or Card that occurs prior to the time I give notice to you. Such liability does not apply\nwhen the Account and/or Card is used to make an electronic transfer.\nPAYMENTS MARKED \xe2\x80\x9cPAID IN FULL\xe2\x80\x9d: You may accept checks, money orders, or other types of payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or\nusing other language to indicate full satisfaction of any indebtedness without being bound by such language or waiving any rights under this\n\nBIN #423133\n\n6\n\nRev. 3/16/2020\n\n\x0cAgreement and Disclosure Statement. Full satisfaction of indebtedness shall be accepted by you only in a written agreement, signed by an\nauthorized representative.\nOVERDRAFT TRANSFER COVERAGE AUTHORIZATION: I may affirmatively requst to link my Visa credit card to my checking account for\noverdraft protection on my checking account(s). If I do this, you may clear any overdrafts from my checking by Cash Advance from my Account\nin the amount of overdraft in increments of $50, subject to the terms of this Agreement and Disclosure Statement. If there are not sufficient\nfunds available for overdraft protection, my checks may be returned unpaid. All overdraft transfers from the Account to overdrawn checking\naccounts are treated as Cash Advances on the Account\nVisa ACCOUNT UPDATER (\xe2\x80\x9cVAU\xe2\x80\x9d) SERVICE: In the event that the Credit Union issues me a replacement or renewal of my Card, my Card\nDetails (e.g., my Visa account number, expiration date, and card verification value (CVV) security code) may change. Changes to my Card\nDetails can lead to disruptions of recurring payment services and interruptions in the products/services I receive from merchants, subscription\nservices, e-commerce merchants, or others who have my Card Details \xe2\x80\x9con file\xe2\x80\x9d because, after the issuance of the replacement or renewal of\nmy Card, the \xe2\x80\x9con-file\xe2\x80\x9d information these merchants possess may no longer be accurate. In order to avoid these disruptions, Visa has developed\na service called the Visa Account Updater (\xe2\x80\x9cVAU\xe2\x80\x9d) Service through which the Credit Union may provide my new Card Details to participating and\nqualifying merchants automatically. If I wish to opt-out from this Service, I must contact you by mail at the address on my statement, complete\nand submit the form on your website to opt-out from this Service, or call you at 831.479.6000 or toll free at 888.4BAYFED before receiving the\nreplacement or renewal of my Card.\nCHANGING BENEFITS: You have the right to add, modify or delete any benefit, service or feature of my Account at your discretion.\nASSIGNING THIS AGREEMENT: You may sell, transfer, or assign this Agreement and Disclosure Statement and my Account. You may do so\nat any time without notifying me. I may not sell, assign, or transfer my Account or any of my obligations under this Agreement and Disclosure\nStatement.\nDELAY IN ENFORCEMENT: You can delay enforcing any of your rights under this Agreement and Disclosure Statement without losing them.\nTELEPHONE MONITORING: You may listen to and record telephone calls between me and you for the purpose of making a record of the call\nand improving the quality of service I receive.\nGOVERNING LAW: I understand and agree that this Agreement and Disclosure Statement is made in California and shall be governed by the\nlaws of the State of California to the extent that California law is not inconsistent with controlling federal law. I also understand and agree that\nCalifornia\xe2\x80\x99s choice of law rules shall not be applied if they would result in the application of non-California law.\nINTEGRATED DOCUMENT(S): Any separate sheet of paper labeled \xe2\x80\x9cAdditional Disclosure - Federal Truth-in-Lending Act\xe2\x80\x9d which is delivered\ntogether with this Agreement and Disclosure Statement is an integrated part of this Agreement and Disclosure Statement. Any future\namendments to this Agreement and Disclosure Statement will be labeled as such and will form an integrated part of this Agreement and\nDisclosure Statement.\nMEMBERSHIP REQUIREMENT: I understand and agree that I must be and remain a member in good standing with you to be eligible for\ncontinuing Account and/or Card privileges including future Purchases and Advances. I understand and agree that you may suspend the Account\nand/or Card privileges during any period in which I do not maintain my membership with you.\nCHANGE OF PERSONAL INFORMATION: I understand and agree that I must immediately report to you any change in my name, address,\nhome, work, or cellular telephone numbers, or employment status. I also agree to advise you of any change to my financial condition that may\naffect my creditworthiness.\nACCURACY OF INFORMATION: The information provided in my request for credit (Application) is accurate and I will notify you in writing\nimmediately if there is a change in my financial condition. You may retain the Application. I understand that it is a violation of Section 1014, Title\n18, US Code to make false statements or over value security for the purpose of influencing the action of any federally insured credit union.\nYou may gather credit and/or employment information you deem necessary and appropriate from time to time and you may give information\nconcerning your credit experience with me to others.\nSEVERABILITY AND FINAL EXPRESSION: This Agreement and Disclosure Statement are the final expression of the terms and conditions\nof my Account. This written Agreement and Disclosure Statement may not be contradicted by evidence of any alleged oral agreement. Should\nany part of this Agreement and Disclosure Statement be found to be invalid or unenforceable, all other parts of this Agreement and Disclosure\nStatement shall remain in effect and fully enforceable to the fullest extent possible under this Agreement and Disclosure Statement.\nCOPY RECEIVED: I acknowledge receipt of a copy of this Agreement and Disclosure Statement and agree to accept its terms.\nNOTICE: The statement on page 8 includes important information regarding my right to dispute billing errors.\n\nBIN #423133\n\n7\n\nRev. 3/16/2020\n\n\x0cMy Billing Rights: Keep this Notice for Future Use\nThis notice tells me about my rights and your responsibilities under the Fair Credit Billing Act.\nWhat To Do If I Find a Mistake on My Statement\n\n2. If you do not believe there was a mistake: I will have to pay the\namount in question, along with applicable interest and fees.\nYou will send me a statement of the amount I owe and the date\npayment is due. You may then report me as delinquent if I do\nnot pay the amount you think I owe.\n\nIf I think there is an error on my statement, I must write to you at:\nBay Federal Credit Union\n3333 Clares Street\nCapitola, CA 95010\n\nIf I receive your explanation but still believe my bill is wrong, I must\nwrite to you within 10 days telling you that I still refuse to pay. If I\ndo so, you cannot report me as delinquent without also reporting\nthat I am questioning my bill. You must tell me the name of anyone\nto whom you reported me as delinquent, and you must let those\norganizations know when the matter has been settled between us.\n\nIn my letter, I must give you the following information:\n\xe2\x80\xa2 Account information: My name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If I think there is an error on my bill, I\nmust describe what I believe is wrong and why I believe it is a\nmistake.\n\nIf you do not follow all of the rules above, I do not have to pay the\nfirst $50 of the amount I question even if my bill is correct.\n\nI must contact you:\n\nMy Rights If I am Dissatisfied With My Credit Card\nPurchases\n\n\xe2\x80\xa2 Within 60 days after the error appeared on my statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if I want to stop payment on the amount I think is\nwrong.\n\nIf I am dissatisfied with the goods or services that I have purchased\nwith my credit card, and I have tried in good faith to correct the\nproblem with the merchant, I may have the right not to pay the\nremaining amount due on the purchase.\n\nI must notify you of any potential errors in writing. I may call you,\nbut if I do you are not required to investigate any potential errors\nand I may have to pay the amount in question.\n\nTo use this right, all of the following must be true:\n1. The purchase must have been made in my home state or\nwithin 100 miles of my current mailing address, and the\npurchase price must have been more than $50. (Note: Neither\nof these are necessary if my purchase was based on an\nadvertisement you mailed to me, or if you own the company\nthat sold me the goods or services.)\n\nWhat Will Happen After You Receive My Letter\nWhen you receive my letter, you must do two things:\n1. Within 30 days of receiving my letter, you must tell me that\nyou received my letter. You will also tell me if you have already\ncorrected the error.\n\n2. I must have used my credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that\naccesses my credit card account do not qualify.\n\n2. Within 90 days of receiving my letter, you must either correct\nthe error or explain to me why you believe the bill is correct.\nWhile you investigate whether or not there has been an\nerror:\n\n3. I must not have fully paid for the purchase.\nIf all of the criteria above are met and I am still dissatisfied with the\npurchase, I must contact you in writing at:\n\n\xe2\x80\xa2 You cannot try to collect the amount in question, or report me\nas delinquent on that amount.\n\nBay Federal Credit Union\n3333 Clares Street\nCapitola, CA 95010\n\n\xe2\x80\xa2 The charge in question may remain on my statement, and you\nmay continue to charge me interest on that amount.\n\xe2\x80\xa2 While I do not have to pay the amount in question, I am\nresponsible for the remainder of my balance.\n\nWhile you investigate, the same rules apply to the disputed amount\nas discussed above. After you finish your investigation, you will tell\nme your decision. At that point, if you think I owe an amount and I\ndo not pay, you may report me as delinquent.\n\n\xe2\x80\xa2 You can apply any unpaid amount against my credit limit.\nAfter you finish your investigation, one of two things will\nhappen:\n1. If you made a mistake: I will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\nBIN #423133\n\n8\n\nRev. 3/16/2020\n\n\x0c'